According to CoinMeta, global banks are adopting on-chain tokenized deposit clearing to utilize margining for efficient capital utilization. Although stablecoins offer faster transaction speeds, they require 100% prepaid funds and face challenges such as price volatility and cross-system exchanges. Systems like chips, cls, rtp, and ls demonstrate efficient net settlement and cost savings, yet banks still rely on their existing clearing architectures. The article argues that stablecoins and tokenized deposits will coexist, facilitating 24/7, net-clearing payments and settlements, and shaping the future monetary cycle.