Caroline D. Pham has dismissed the notion that banks are hindering cryptocurrency adoption, highlighting recent developments as evidence of growing activity. In a discussion with Jenn Sanasie, Pham pointed to the increasing number of stablecoin patents, trademark filings, and the emergence of tokenized deposit networks as indicators that the financial sector is actively engaging with digital assets. These advancements suggest that rather than slowing down, the integration of cryptocurrencies into traditional banking systems is accelerating.