According to CoinMeta, as reported by Decrypt, the current annual scale of corporate stablecoin payments is approximately 390 billion US dollars, accounting for 0.02% of the global cross-border payment market, which amounts to 208 trillion US dollars. The reason lies in the high dependence on regulated banking systems for fiat currency deposits and withdrawals as well as local settlements. Corporate payment funds start and end in bank accounts, with stablecoins only serving as an intermediate link in cross-border settlements. Dependence on a single bank is an operational risk that is often underestimated in the field of crypto payments. Events such as Silvergate and Signature, as well as cases where US regulatory authorities issued "risk mitigation" orders and cease-and-desist letters, have shown that if the sole cooperating bank withdraws from the business, a company could face operational paralysis.