Leading financial institutions, including JPMorgan, PayPal, and BlackRock, are increasingly adopting stablecoins to enhance cross-border payment systems and improve financial efficiency. JPMorgan's JPM Coin, launched in 2019, facilitates internal enterprise settlements on a private blockchain. PayPal collaborates with Circle's USDC to enable retail transactions with stablecoins, while BlackRock is exploring stablecoins to boost settlement efficiency in asset management. Additionally, banks like Citi and Standard Chartered are experimenting with stablecoins for trade finance and CBDC integration. Despite these advancements, regulatory scrutiny and trust in reserve assets remain significant challenges.