A major U.S. banking executive recently floated an intriguing figure: roughly $6 trillion could potentially flow out of the traditional banking system into stablecoins—but there's a crucial catch. The shift would only materialize if regulators greenlight interest-bearing stablecoins. Right now, most stablecoins sit idle as store-of-value instruments. Once they earn yield, the calculus changes dramatically. That $6T figure isn't pulled from thin air—it represents the scale of deposits that might find stablecoins more attractive than conventional bank accounts, especially if the rate environment shifts. The takeaway: permitting yield-bearing stablecoins could fundamentally reshape capital flows between traditional finance and on-chain settlement layers. It's a reminder that mainstream adoption hinges as much on policy frameworks as on technology itself.