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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 sharply decreased from about 10,000 in the mid-1990s to 4,046. He pointed out on social media that these banks could have built competitive barriers through innovative technologies such as real-time payment systems, crypto asset custody, and stablecoin channels, but missed the opportunity due to slow action, ultimately becoming targets for mergers and acquisitions. As a major blockchain industry association in the United States, the Digital Chamber is currently promoting legislation related to stablecoins and market structure to establish a clear regulatory framework. Carbone believes that if community banks can quickly adopt blockchain technology and crypto services, they can not only avoid being swallowed by large banks but also regain an advantage in the field of financial innovation. Analysis indicates that although large banks are gradually upgrading digital services, small and medium-sized institutions lacking effective digital strategies are already facing a survival crisis.