The Conference of State Bank Supervisors (CSBS) has released its 2026 community bank survey, which now includes questions about the adoption of tokenized deposits, stablecoins and cryptocurrencies. If all banks that plan to launch within the next 12 months follow through, then by this time next year roughly 20% of community banks will offer tokenized deposits and around 17% stablecoins.
These figures lagged artificial intelligence adoption by a wide margin, with 61.8% already piloting or using AI and another 17.6% planning to in the coming two years. Over a longer five year timeframe, interest in tokenized deposits and stablecoins was only marginally higher, with 23% and 21% of respondents respectively saying they could offer promising opportunities.
One of the takeaways was that banks planning to offer stablecoins are far more likely to do so through their core service providers rather than by partnering with stablecoin networks. Beyond the numbers, the most illuminating feedback came from deeper answers provided by five community banks.
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