This article is devoted to a comprehensive study of the macroeconomic consequences of the introduction of smart contracts in the banking sector and their impact on the development of the modern financial system. The paper examines in detail the theoretical foundations and technological principles of smart contracts, as well as the mechanisms of their impact on key macroeconomic indicators, including the speed of capital circulation, inflation, lending and investment activity, as well as the overall stability of the national economy. Particular attention is paid to identifying the advantages of using this technology, such as reducing transaction costs, speeding up settlements, and increasing transparency and trust among financial market participants. At the same time, an analysis of the risks associated with technological disruptions, cyber threats and legal uncertainty is carried out. The article also provides examples of international experience and concludes that an integrated approach to the digital transformation of the banking sector is important for sustainable economic development and increased stability.