Thursday, July 16, 2026

Coinbase CPO says USDC and bank deposits are growing together, not competing

  • Coinbase CPO Faryar Shirzad argues that USDC growth has not competed with, but rather grown alongside, traditional bank demand deposits.
  • A study commissioned by Coinbase found no statistically significant negative impact of USDC adoption on community bank deposits.
  • Coinbase's strategy involves expanding USDC's utility beyond trading, including direct deposit functionality and payment partnerships, which has substantial economic implications for the company.

Topics: Asset types, Institutional adoption, Integration with defi, Stablecoins digital cash, Asset manager initiatives, Rwa collateral lending

Tags: #usdc #coinbase #stablecoins #bankdeposits #demanddeposits #financialsystem #revenueshare #yieldprogram #payments #investors

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