# Stablecoin Reserve Rules Could Lift Treasury Demand and Affect Banks

By Riza Dagoc

Canonical URL: https://www.tokenpost.com/news/regulation/39525
Published: 2026-10-24T01:53:33.000Z
Updated: 2026-10-24T01:53:33.000Z
Section: Regulation

> The Treasury Borrowing Advisory Committee said deposit effects may depend on stablecoins’ yields and payment features, while broader effects would depend on U.S. regulation and market growth.

Proposed stablecoin reserve requirements could increase demand for U.S. Treasury bills and concentrate holdings in short-dated bills, with possible effects on bank deposits.

The scale of possible effects would depend on U.S. regulatory requirements and growth in the stablecoin market. The reserve-related outcomes are projections tied to proposed requirements.

Deposit effects may depend on stablecoins’ yields and payment features. If the tokens compete with bank products, banks might raise rates to retain deposits or seek other funding, including wholesale funding.