According to CoinMeta, research papers indicate that tokenized deposits could lead to a reduction of $580 billion in U.S. bank loans. This figure is sufficient to reshape the way the banking financing economy functions, and while the crypto industry is building the necessary infrastructure, it has not fully considered the consequences. The study shows that the rapid liquidity of tokenized deposits may affect the stability of banks' deposits, which in turn could impact their lending capacity. The paper simulated three scenarios of tokenized deposits being adopted within the U.S. banking system and found that in a moderate adoption scenario, lending capacity would be reduced by $580 billion, affecting the credit availability for small businesses and first-time homebuyers.