代币化存款可能会从美国银行贷款中流失 5800 亿美元，但加密货币领域却没有人谈论这个问题

[ZRO] A research paper published this week quantifies what happens when bank deposits move at blockchain speed.LayerZero and Keeta launched tokenized bank deposits across Ethereum, Solana, Base, and Keeta in July 2026, covering nine fiat currencies and making the theoretical risk operationally real.The cross chain interoperability means a deposit tokenized on Ethereum can move to Solana in minutes, a level of fungibility that traditional banking infrastructure cannot match.Stablecoins like USDC and USDT are backed by Treasury bills, commercial paper, and bank deposits.