Stablecoins, as highlighted by Standard Chartered and Zodia, could potentially comprise up to 10% of the U.S. money supply. This estimation indicates a significant shift in financial systems, where stablecoins provide a digital alternative to traditional banking systems. As stablecoins are pegged to stable currencies, they manage to maintain their value more effectively than typical cryptocurrencies which are often volatile. However, concerns are raised about the regulatory landscape surrounding stablecoins, questioning whether they are merely a new form of unregulated banking. User comments reflect skepticism about the legitimacy and usefulness of stablecoins compared to traditional banking, particularly in how they are already integrated into the money supply.