Simulation Levers 24-Mo Horizon
Scenario Presets
4.5%
1.2%
6.5%
$18,500B
$180B
24-Month Reserve Trajectory
Bank Deposits
Stablecoins
Reserve Telemetry LIVE MODEL
Final Bank Deposits
$20,120.4B
Final Stablecoins
$412.8B
Net Deposit Trend
Rising
Peak Flight Pressure
2.1%
DEPOSIT FLIGHT IS A MYTH: VALIDATED
Bank Deposits Expand Despite Yield Gap
Macro liquidity inflow (+6.5%) and domestic credit creation outweigh the 3.3% APY stablecoin yield arbitrage, allowing banking sector balances to expand to $20,120.4B.
Witt Hypothesis Calibration
Under the CLARITY Act, stablecoin issuers holding short-duration US Treasuries share rewards. Historical stress reveals flight fears assume static money supply rather than dynamic fiat expansion.