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Banking 2.0: The Stablecoin Banking Revolution -- How Digital Assets Are Reshaping Global Finance
Kevin McNamara, Rhea Pritham Marpu
https://arxiv.org/abs/2508.11395 https://

Banking 2.0: The Stablecoin Banking Revolution -- How Digital Assets Are Reshaping Global Finance
The global financial system stands at an inflection point. Stablecoins represent the most significant evolution in banking since the abandonment of the gold standard, positioned to enable "Banking 2.0" by seamlessly integrating cryptocurrency innovation with traditional finance infrastructure. This transformation rivals artificial intelligence as the next major disruptor in the financial sector. Modern fiat currencies derive value entirely from institutional trust rather than physical backing, …