Stablecoins are not always cheaper or faster than other payments, but some experts say they will provide real value in the future.

As the U.S. Senate considers putting the Clarity Act on President Trump’s desk for signature, Chris Nichols of SouthState Bank says he believes stablecoins will start to have an impact on financial institutions in the next two to three years.

With more financial institutions embracing digital assets, automated blockchain transactions could streamline and speed up both operations and lending.