[S&P Global: Despite the Continued Expansion of the Stablecoin Market, the Banking Industry Remains Cautiously Observant] Deep Tide TechFlow reports, on April 9, according to CoinDesk, S&P Global Market Intelligence released a report indicating that although the stablecoin market has surpassed $316 billion in scale, the banking industry's strategic approach to stablecoins remains in the early exploratory stages. S&P Global's first-quarter 2026 survey shows that among 100 surveyed banks, only 7% are developing relevant frameworks, with none conducting actual pilot programs. The main concerns faced by banks include risks of deposit outflows, intensified competition from non-bank institutions, and unclear impacts on revenue. Regarding strategic differentiation, the report predicts that large banks will explore issuing tokenized deposits, while small and medium-sized institutions are more likely to participate through fiat on/off ramps. Regardless of the strategy adopted, banks will need to undertake significant upgrades to their existing systems to support real-time digital asset operations.