Crypto banking is entering a period of hard strategic choices. As bank deposit rates climb, the financial incentives that once pushed businesses toward stablecoins are shifting—and a landmark BIS crypto study from the Bank for International Settlements, published October 13, 2026, has put numbers on the effect. The research finds that a single basis‑point increase in US deposit rates is associated with a 4.8% drop in cumulative USDC growth over ten weeks, a sensitivity nearly two‑and‑a‑half times that of USDT. For corporate treasurers, DAO operators, and global startups that rely on business crypto accounts to straddle fiat and digital currencies, that finding isn’t academic: it’s an immediate factor in deciding where to…