# Low Bank Deposit Rates Could Make Stablecoins More Appealing By John Kim Canonical URL: https://www.tokenpost.com/news/business/37987 Published: 2026-10-22T14:59:13.000Z Updated: 2026-10-22T14:59:13.000Z Section: Business > Bank deposits could pay interest during a 2022–2025 high-rate period when stablecoins generally did not. Earlier analysis linked deposit pricing to a 2.8-percentage-point decline in stablecoin growth over 10 weeks. Some banks offer deposit rates of 0.1% to 0.4%, a level that could make stablecoins more appealing to people comparing where to hold funds. Stablecoins are digital currencies designed to maintain a stable value, often through a peg to fiat currencies. Financial regulators are monitoring their effects on the banking sector as their use grows. During a high-rate period from 2022 through 2025, stablecoins generally did not pay interest, while bank deposits could. An [earlier analysis of deposit pricing and stablecoin growth]() associated deposit pricing with a 2.8-percentage-point decline in stablecoin growth over 10 weeks. The analysis measured overall growth, not individual depositors’ choices. ## Links in this article - [earlier analysis of deposit pricing and stablecoin growth](https://www.tokenpost.com/news/business/34069)