《福布斯》援引埃森哲發布的2026年銀行業趨勢報告指出，銀行業正步入「去約束化（Unconstrained Banking）」時代，其中穩定幣、加密資產與代幣化存款正從試點階段邁向規模化應用，對傳統銀行構成實質性競爭。報告稱，穩定幣正與銀行存款展開正面競爭；加密貨幣與支付機構取得銀行執照、私募信貸衝擊貸款市場，再疊加人工智慧驅動的金融代理服務，導緻銀行面臨超過200萬億美元存貸規模的潛在重構風險。埃森哲預估，到本十年結束前，約有13萬億美元的交易額可能轉移至替代性支付方式；若銀行未能及時應對，恐將流失數十億美元的手續費收入。

Citing Accenture's 2026 Banking Trends Report, Forbes points out that the banking industry is entering the era of **Unconstrained Banking**, where stablecoins, crypto assets and tokenized deposits are evolving from pilot programs to large-scale applications, posing substantial competition to traditional banks. The report states that stablecoins are directly competing with bank deposits. Meanwhile, crypto and payment firms obtaining banking licenses, private credit impacting the loan market, coupled with AI-driven financial agents, expose banks to potential restructuring risks involving over $200 trillion in deposit and loan volumes. Accenture forecasts that by the end of this decade, approximately $13 trillion in transaction volume may shift to alternative payment methods. If banks fail to respond effectively, they risk losing billions of dollars in fee income.