# Stablecoins impact on banks' liquidity - Charles-Enguerrand Coste

- Channel: [Stable Summit](https://streameth.org/stable_summit)
- Date: 2025-10-07
- Duration: 15:41
- Watch: https://streameth.org/watch/yt-ESWIn6f-c14
- YouTube: https://www.youtube.com/watch?v=ESWIn6f-c14

## Description

Charles-Enguerrand Coste from the European Central Bank explains how stablecoins could disrupt traditional banking. He breaks down the liquidity risks, capital ratio effects, and regulatory asymmetries banks face when stablecoins enter the system. 

This talk also explores how both bank- and non-bank-issued stablecoins change the way banks manage deposits and why regulators might need to rethink their frameworks.

---
00:00 Intro and Role at ECB
00:35 What Stablecoins Are Covered
01:10 Reserve Requirements by Region
02:00 Liquidity Classifications Explained
03:25 Financial Sector Deposit Rules
04:54 Bank-Issued Stablecoins and Risk
06:07 Impact on Lending and Capital Ratios
07:16 Deposit Shift Scenarios
09:02 Targeting New Clients via Stablecoins
10:47 Safe vs Risky Bank Strategies
11:53 Non-Bank Stablecoin Issuers
13:01 Disintermediation and Treasury Allocation
14:18 Regulatory Dilemma and Conclusion

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About: 
By Stake Capital Group and Party Action People, and presented by Curve Finance, Stable Summit has been gathering leaders in stablecoins almost quarterly since 2023. Our content is curated through hours of one-on-one research with the leading minds in the stablecoin space. Each program is a highlight reel of what leaders in stables are curious about in real time. Our audience consistently features the full spectrum of the stablecoin ecosystem, from DeFi protocols to institutions, from stablecoin issuers to central banks, and every llama in between.