The regional bank tokenized deposit network launching on ZKsync isn't just competing with stablecoins—it's beta testing the infrastructure for programmable fiscal policy. When treasury operations can execute automatically through smart contracts, the distinction between monetary and fiscal policy collapses into code. This matters because AI agents need predictable, programmable money to operate at scale. Traditional banking rails can't handle microsecond decision-making across thousands of autonomous transactions. The banks building this aren't trying to capture crypto users; they're positioning themselves as the infrastructure layer for an economy where most economic actors are algorithmic. The real signal is timing. Regional banks are moving first because they understand the disintermediation risk better than the majors. When AI agents can custody, trade, and settle directly through programmable deposits, correspondent banking becomes obsolete overnight.