According to online reports, Cody Carbone, the new CEO of the cryptocurrency advocacy organization Digital Chamber, recently warned that the number of community banks in the United States has dropped sharply from about 10,000 in the mid-1990s to 4046. He pointed out on social media that these banks could have built competitive barriers through innovative real-time payment systems, cryptographic asset custody and stablecoin channels, but they missed opportunities due to slow action and eventually became targets of mergers and acquisitions. As the main blockchain industry association in the United States, the Digital Chamber of Commerce is currently promoting legislation related to stablecoins and market structures to establish a clear regulatory framework. Carbone believes that if community banks can quickly adopt blockchain technology and encryption services, they can not only avoid being swallowed by large banks, but also regain their advantages in the field of financial innovation. The analysis pointed out that although large banks are gradually upgrading digital services, small and medium-sized institutions lacking effective digital strategies are already facing survival crises.