Stablecoin settlement never sleeps. Bank liquidity rules do. Tuongvy Le, General Counsel at @veda_labs and a former GC at a federally regulated bank, walked through what 24/7 programmable money does to safety and soundness on the latest episode of Tokenized with hosts @sytaylor and @cuysheffield. Wholesale deposits are hot money. Consumer deposits are sticky. Silicon Valley Bank showed what happens once the hot money can move instantly. One bank modelled the hit to its liquidity coverage ratio from offering weekend stablecoin settlement to institutional clients. The result was some deposit flight and a real balance sheet cost. "You can offset that by charging fees for people to make payments over a weekend that they couldn't before." 🎙️ Listen to the latest episode on