{"id":3689801,"date":"2026-04-29T04:03:55","date_gmt":"2026-04-29T08:03:55","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3689801"},"modified":"2026-04-28T21:34:01","modified_gmt":"2026-04-29T01:34:01","slug":"the-hidden-problem-slowing-community-banks-crypto-adoption","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/cryptocurrency\/2026\/the-hidden-problem-slowing-community-banks-crypto-adoption\/","title":{"rendered":"The Hidden Problem Slowing Community Banks\u2019 Crypto Adoption"},"content":{"rendered":"<p><strong>Watch more:<\/strong> <a href=\"https:\/\/tv.pymnts.com\/detail\/video\/6393244582112\" target=\"_blank\" rel=\"noopener\">The Digital Shift With Stablecore\u2019s Alex Treece<\/a><\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2699550-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2699550\">\n<div 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\/>\n\t\t\t<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"email\" \/>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"newsLetterChoice\"><span class=\"wpcf7-form-control wpcf7-checkbox me-1\" id=\"checkNewsletter\"><span class=\"wpcf7-list-item first last\"><input type=\"checkbox\" name=\"newsLetterChoice[]\" value=\"yes\" checked=\"checked\" \/><span class=\"wpcf7-list-item-label\">yes<\/span><\/span><\/span><\/span><span class=\"small\">Subscribe to our daily newsletter, PYMNTS Today.<\/span>\n\t\t\t\t<\/p>\n\t\t\t\t<p class=\"small lh-base\" style=\"font-size:.9rem;\">By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3689801\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/cryptocurrency\/2026\/the-hidden-problem-slowing-community-banks-crypto-adoption\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"213\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p>For all the momentum behind digital assets, the banking industry\u2019s biggest hurdle isn\u2019t conceptual. It\u2019s operational.<\/p>\n<p>The tools to support cryptocurrencies, stablecoins and tokenized deposits already exist, but what\u2019s missing is the connective infrastructure that allows traditional financial institutions to use them seamlessly.<\/p>\n<p>\u201cFor everyone outside those top 10, 15 banks, it\u2019s a really big task to take on,\u201d <a href=\"https:\/\/tracking.us.nylas.com\/l\/05c79636ae4e42d0adeb494030035681\/7\/9db1e48b1d0c645e64d48de3b08dd50a6f4138d22935ba6d887bce17c6213b34?cache_buster=1775660680\">Alex Treece<\/a>, co-founder and CEO at <a href=\"https:\/\/stablecore.com\/\">Stablecore<\/a>, said in conversation with PYMNTS CEO <a href=\"https:\/\/www.linkedin.com\/in\/karenwebsterboston\/\">Karen Webster<\/a>, noting that even something as foundational as connecting to a digital asset custodian can stretch internal capabilities.<\/p>\n<p>Or, as Webster put it, \u201cPlug and play is never actually that easy.\u201d<\/p>\n<p>And one of the most persistent misconceptions held by traditional institutions looking to integrate crypto is that digital asset adoption can be achieved through simple vendor integration. Selecting a custodian or wallet provider is only a small piece of the puzzle.<\/p><div id=\"pymnt-2067267815\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p>\u201cA great custodian provider, that\u2019s maybe 10 to 15% of the work,\u201d Treece said. \u201cBut you\u2019ve got another 80, 85% to get that integrated with your internal systems \u2026 as it relates to regulated financial institutions, there\u2019s a lot of other pieces that have to come together.\u201d<\/p>\n<h2><strong>Giving Regional and Community Banks a Crypto Bridge<\/strong><\/h2>\n<p>For regional and community institutions, crypto\u2019s integration burden can often be prohibitive as these smaller lenders frequently lack the sizable engineering and compliance teams their larger peers boast. But that integration gap, or the \u201clast mile\u201d of crypto adoption, is where\u00a0Stablecore has staked its own claim in the market.<\/p>\n<p>\u201cWe focus on connecting pieces together because we found that that\u2019s where 80% of the work is,\u201d Treece said.<\/p>\n<p>Rather than building custody or core banking systems, the company focuses on connecting the disparate components banks need to offer digital asset services, from wallets and custodians to compliance tools and customer interfaces. The company\u2019s investor base of nearly 300 banks and credit unions is itself a signal of demand for that capability.<\/p>\n<p>For banks, the implications are both defensive and strategic. Webster framed it succinctly: \u201cIt\u2019s more because they want to retain the deposits, and attract and retain a younger client base.\u201d<\/p>\n<p>In Treece\u2019s view, the competitive landscape is converging toward a single objective: \u201cEveryone wants to be the primary financial account.\u201d<\/p>\n<p>\u201cThis market\u2019s being driven by non-bank participants,\u201d he added, noting that over the past decade, FinTechs and crypto-native firms have scaled independently, building products and capturing users while banks remained on the digital asset sidelines due to regulatory uncertainty.<\/p>\n<h3><strong>Stablecoins, Tokenized Deposits and the Infrastructure Bet<\/strong><\/h3>\n<p>Unlike real-time payments infrastructure, which has been constrained by bank\u2019s own adoption cycles, digital assets have grown rapidly outside the traditional system.<\/p>\n<p>And for years, regulatory uncertainty was the primary barrier to bank participation in digital assets. That constraint has eased significantly and made it more permissible for banks to engage directly in the blockchain finance space.<\/p>\n<p>\u201cThe real blocker has been on the technology side,\u201d Treece said.<\/p>\n<p>Integrating digital asset infrastructure into existing banking stacks\u2014while maintaining compliance and passing regulatory exams\u2014remains a complex undertaking, one that must be executed with surgical precision.<\/p>\n<p>As a result, within banks, the conversation often begins with use cases\u2014whether to prioritize stablecoins, tokenized deposits or broader digital asset offerings. Stablecoins alone have grown from roughly $10 billion in supply five years ago to around $300 billion today, with projections reaching trillions by 2030. Meanwhile, tokenized deposits have gained traction in industry discourse, fueled by consortium efforts and experimentation.<\/p>\n<p>But Treece argued that the more important consideration for banks is an architectural one.<\/p>\n<p>\u201cWhether you start with stablecoins, ditcoin, or tokenized deposits, these all use the same infrastructure,\u201d he said, underscoring how that shared foundation allows banks to enter the market through a single use case while preserving flexibility to expand over time.<\/p>\n<p>Even after the technical hurdles are cleared, operational challenges persist. Banks must design products, train staff and align internal processes with new capabilities, all while maintaining the reliability expected of regulated institutions. Fortunately, early adopters, typically the most innovative institutions within each tier, are setting precedents that others can follow with greater confidence.<\/p>\n<p>\u201cThis year is really about that first five-to-20% coming in the market,\u201d Treece said. \u201cNext year I think you\u2019re going to see accelerated adoption.\u201d<\/p>\n<p><em>PYMNTS CEO <\/em><a href=\"https:\/\/www.linkedin.com\/in\/karenwebsterboston\/\"><em>Karen Webster<\/em><\/a><em>\u00a0is one of the world\u2019s leading experts in payments innovation and the digital economy, advising multinational companies and sitting on boards of emerging AI, healthtech and real-time payments firms, including a non-executive director on the Sezzle board, a publicly traded BNPL provider. She founded PYMNTS.com in 2009, a top media platform covering innovation in payments, commerce and the digital economy. Webster is also the author of the NEXT newsletter and a co-founder of Market Platform Dynamics, specializing in driving and monetizing innovation across industries.<\/em><\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 2;\r\n\twindow.pymntsPostID = 3689801;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Watch more: The Digital Shift With Stablecore\u2019s Alex Treece Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing communications from PYMNTS and to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3689835,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[34410],"tags":[6132,15885,13328,9206,133069,60852,41360,167709,4072],"class_list":["post-3689801","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cryptocurrency","tag-blockchain","tag-digital-assets","tag-featured-news","tag-news","tag-pymnts-news","tag-pymnts-tv","tag-stablecoins","tag-stablecore","tag-video"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The Hidden Problem 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