Stablecoins are unlikely to erode U.S. banks\' market share in the near term, as existing payment systems are already fast, low-cost and trusted, Moody\'s Investors Service said. Avi Srivastava (아비 스리바스타바) cited the ban on interest-bearing stablecoins as another factor reducing incentives to replace deposits. He said market capitalization topped $300 billion late last year and use is expanding in payments, cross-border commerce and on-chain finance. Moody\'s said combined growth with real-world assets could pressure banks through deposit outflows and reduced lending capacity.