EconomySmart AI deposits could force banks to raise loan rates for everyday borrowers

A Dallas Fed analysis says AI-directed accounts could let customers move deposits rapidly between banks, weakening the stable funding that supports long-term lending. Greater deposit sensitivity could push banks toward wholesale funding or more liquid assets, raising borrowing costs for consumers and businesses. Tokenized deposits are still early, and the scale of the effect remains uncertain.

AI depositstokenized depositsbank lendinginterest-rate risk

CCryptoSlate★★☆☆☆2026-08-27 05:00Original