Banks profit from earning the spread by creating choice dilemmas, and stablecoins are the real universal capital pool that breaks the binary divide.

CoinJiex.com news: Coinbase CEO Brian Armstrong said banks force users to choose between zero-yield checking accounts and savings accounts that they can’t access for spending, in order to achieve a larger net interest spread. He noted that stablecoins eliminate this split, allowing users to use them as payment tools, for trading, and for DeFi. He asked, “Why can’t there be a pool of funds that can both be spent and earn a reasonable return?”