CSBS survey: 20% of community banks could offer tokenized deposits, and 17% stablecoins
Banks planning stablecoin offerings favor core service providers over stablecoin networks, the survey found.
At a glance
About 20% of community banks could offer tokenized deposits and 17% could offer stablecoins in 12 months if planned launches proceed, according to the Conference of State Bank Supervisors' 2026 survey reported by Ledger Insights.
The survey also found 61.8% of community banks already piloting or using artificial intelligence, with another 17.6% planning to do so within two years, Ledger Insights reported.
Banks planning stablecoin offerings are far more likely to use their core service providers than to partner with stablecoin networks, according to the survey.
About 20% of community banks could offer tokenized deposits and 17% could offer stablecoins in 12 months if planned launches proceed, according to the Conference of State Bank Supervisors' 2026 survey reported by Ledger Insights.
The survey also found 61.8% of community banks already piloting or using artificial intelligence, with another 17.6% planning to do so within two years, Ledger Insights reported. On a five-year horizon, 23% of respondents called tokenized deposits potential opportunities and 21% said the same of stablecoins.
Banks planning stablecoin offerings are far more likely to use their core service providers than to partner with stablecoin networks, according to the survey.
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