According to CoinMeta, Wu said that the Budget Office of the South Korean National Assembly analyzed that under different assumptions regarding the penetration rate and fees of stablecoin payments, South Korean won-based stablecoins could save Korean merchants approximately 370 billion to 5.15 trillion won (about 275 million to 3.8 billion US dollars) in payment costs each year. The report also pointed out that widespread adoption of stablecoins could lead to a flow of funds out of bank deposits, weakening the banks' role as credit intermediaries. In the event of concentrated redemptions, issuers might be forced to sell their reserve assets, which could also increase the risk of stablecoins becoming unhinged from their underlying assets. Therefore, it is recommended to establish reserve requirements, limit stablecoin incentives, and strengthen regulation of stablecoins that may affect financial stability.