US Bank Lobby Makes Stablecoin Yield Restrictions a Top 2026 Priority

TheNewsCryptoPublicado a 2026-01-23Actualizado a 2026-01-23

Resumen

The American Bankers Association (ABA) has identified yield-paying stablecoins as a top policy priority for 2026, warning they could act as deposit substitutes and drain funds from traditional banks, potentially destabilizing the financial system and reducing community bank lending. The ABA is urging Congress to prohibit stablecoins from paying interest, yield, or rewards. This stance is supported by Bank of America CEO Brian Moynihan, who previously warned such stablecoins could pull up to $6 trillion from banks, making loans more scarce and expensive. Conversely, Circle CEO Jeremy Allaire has rejected these claims, highlighting the ongoing debate between the traditional banking and crypto industries.

The American Bankers Association (ABA), a leading financial body in the United States, says that yield-paying stablecoins are a major concern in 2026. As the group says, stablecoins giving interest could take away funds from traditional banks and destabilize the financial system, prompting a debate between banks and the crypto industry.

According to the ABA Banking Journal report, “Stop payment stablecoins from becoming deposit substitutes that slash community bank lending by prohibiting paying interest, yield, or rewards regardless of the platform,” was mentioned as one of the top priorities of concern.

ABA President and CEO Rob Nichols said, “Our new Blueprint for Growth is guided by input from banks of all sizes and business models, providing important strategic direction as we work to advance policies that bolster the economy, expand access to credit, and enhance competition in the financial services marketplace,” noted in the ABA report.

The ABA called Congress to take serious action on several concerns, like combating financial fraud, modernizing outdated regulatory frameworks, preventing limits on interest rates that restrict access to credit, and asking for support to revitalize communities and encourage entrepreneurship. Out of all concerns, the crypto-related stablecoin payment is being placed as the first concern.

Banks and Crypto Clash Over Stablecoin

In addition to this, earlier this month, according to Bank of America CEO Brian Moynihan, interest-paying stablecoins could drain up to $6 trillion from US banks. As he warned, if a large amount of money moves from banks to these stablecoins, banks may lend less and make loans more expensive, as shared by the crypto investor on the X platform.
On the contrary note, Circle CEO Jeremy Allaire at the World Economic Forum rejected claims that stablecoin yields could cause bank funds to drain, pointing to money market funds and broader shifts in finance. With that, it highlights the growing arguments between banks and the crypto industry.

Highlighted Crypto News:

‌Kansas Bill Aims to Establish Bitcoin and Digital Asset Reserve Fund

Preguntas relacionadas

QWhat is the American Bankers Association's (ABA) top concern regarding stablecoins in 2026?

AThe ABA's top concern is yield-paying stablecoins, which they believe could take away funds from traditional banks and destabilize the financial system.

QAccording to the ABA, what specific action should be taken against stablecoins?

AThe ABA called for Congress to prohibit stablecoins from paying interest, yield, or rewards to stop them from becoming deposit substitutes that could slash community bank lending.

QWhat potential financial impact did Bank of America's CEO warn about concerning interest-paying stablecoins?

ABank of America CEO Brian Moynihan warned that interest-paying stablecoins could drain up to $6 trillion from US banks, potentially leading to reduced lending and more expensive loans.

QHow did Circle's CEO Jeremy Allaire respond to the claims that stablecoin yields could drain bank funds?

ACircle CEO Jeremy Allaire rejected these claims, pointing to money market funds and broader shifts in finance as context, highlighting the ongoing debate between the banking and crypto industries.

QBesides stablecoins, what other policy areas did the ABA's 'Blueprint for Growth' ask Congress to address?

AThe ABA also called on Congress to combat financial fraud, modernize outdated regulatory frameworks, prevent limits on interest rates that restrict credit access, and support initiatives to revitalize communities and encourage entrepreneurship.

Lecturas Relacionadas

From Survival to Accelerated Growth: The Journey of Zcash's Three-Year Rise as Told by the Founder of ZODL

**From Survival to Accelerated Growth: Zcash Founder Details the 3-Year Rise** Three years ago, Zcash (ZEC) was a struggling pioneer in privacy technology, with a price near $30, low shielded supply (11%), and a community mired in governance disputes. Today, ZEC trades around $600, with over 31% of its supply (~$3B) in user-controlled shielded pools. This transformation resulted from breaking key constraints. First, **governance shackles were removed**. The old model guaranteed funding to two entities (ECC and ZF) regardless of performance, creating a monopoly. In 2024, ECC rejected further direct funding, forcing a change. The NU6 upgrade ended direct funding, allocating 8% to community grants and 12% to a protocol-controlled treasury for retroactive rewards, expiring in 2028 unless renewed by overwhelming consensus. The entities also relinquished their trademark-based veto power, freeing community governance. Second, the **product focus shifted** from pure cryptography to user growth. Previously, engineering excelled at privacy tech but failed to attract users. In early 2024, the team (later ZODL) pivoted to building products users wanted, like the Zodl wallet (default privacy, hardware support, cross-asset swaps). This drove shielded supply to grow over 400% in ZEC terms, with 86.5% of recent transactions being shielded, representing real user adoption. Third, the **narrative evolved** from the limiting "privacy coin" label to "unstoppable private money." This clarified Zcash's value proposition: a Bitcoin-like monetary policy with verifiable private payments via advanced cryptography. This structural narrative—protocol (Zcash), asset (ZEC), gateway (Zodl)—enabled broader exchange listings, institutional interest, and ETF filings. Finally, **organizational constraints were broken**. In early 2026, the ECC team left its non-profit structure after disputes over control, forming Zcash Open Development Lab (ZODL). ZODL raised $25M from top VCs (Paradigm, a16z, etc.), gaining the capital and agility of a startup to scale consumer products. Current metrics show strong momentum: social discussion volume for ZEC surged 15,245% in a year, with 81% positive sentiment. The focus is now on enhancing user experience (Zodl wallet), scalability (Tachyon project targeting Visa-level throughput with 25-second blocks), and post-quantum security (quantum-recoverable wallets coming soon). Zcash is positioned to become faster, more usable, scalable, and quantum-resistant.

marsbitHace 9 min(s)

From Survival to Accelerated Growth: The Journey of Zcash's Three-Year Rise as Told by the Founder of ZODL

marsbitHace 9 min(s)

Five Counterparty Risk Architectures: A Settlement-Layer Methodology for Classifying TradFi Models in Crypto Exchanges

**Summary:** This companion piece reframes the five TradFi-on-crypto exchange architectures, previously classified by "architectural fingerprint," through the lens of counterparty risk. The core question is: whose balance sheet bears the loss first in a stress scenario, and has it historically done so? Each of the five models corresponds to a distinct risk holder with its own documented failure modes. * **Model 1 (Stablecoin-Settled CEX Perpetuals):** Risk is held by the stablecoin issuer (e.g., reserve composition, bank connectivity) and the CEX's own book. History includes Tether's banking disconnections (2017) and reserve misrepresentations (CFTC 2021 Order). * **Model 2 (CFD Brokers):** Risk resides on the broker's balance sheet (B-book model). Regulatory differences (e.g., ESMA's mandatory negative balance protection vs. Mauritius FSC's lack thereof) define loss allocation rules, as seen in the 2015 SNB event (Alpari UK insolvency). * **Model 3 (Off-Chain Custody & Transfer Agent Chain):** Risk lies with the off-chain custodian/platform. User asset recovery depends on Terms of Use and corporate structure, exemplified by the Celsius bankruptcy ruling (2023) where Earn Account assets were deemed property of the estate. * **Model 4 (DEX Perpetual Protocols):** No single balance sheet bears risk. Loss absorption relies on a protocol's insurance fund and Auto-Deleveraging (ADL) mechanism, as demonstrated in the GMX V1 (2022) and dYdX v3 YFI (2023) incidents. * **Model 5 (Regulated CCP - DCM-DCO-FCM):** The most institutionalized model concentrates risk in the Central Counterparty (CCP). However, history shows CCPs can employ non-standard tools under extreme stress, such as mass trade cancellation (LME Nickel, 2022) or enabling negative price settlements (CME WTI, 2020). The report argues that regulatory choices and counterparty risk structures are co-extensive, not in an upstream-downstream relationship. It concludes with five separate observation checklists (not predictions) for monitoring the structural vulnerabilities of each risk model.

marsbitHace 26 min(s)

Five Counterparty Risk Architectures: A Settlement-Layer Methodology for Classifying TradFi Models in Crypto Exchanges

marsbitHace 26 min(s)

White House Crypto Advisor Fires Back At Bank CEOs In Stablecoin Rewards Clash

As a key crypto market structure bill nears a markup, the White House's top crypto advisor has criticized bank CEOs for reigniting a debate over stablecoin rewards. This follows a letter from American Bankers Association CEO Rob Nichols urging bank executives to pressure lawmakers to revise the CLARITY Act, claiming its current language inadequately prevents crypto firms from offering "interest-like rewards" on payment stablecoins, which could risk bank deposits and financial stability. The bill prohibits interest-equivalent payments but allows rewards for specific activities like staking. Patrick Witt, a White House digital assets advisor, rebuked the banking CEOs for refusing to attend White House mediation meetings on this issue, which has delayed the bill for months. While Senate sources suggest the banking lobby's push is weak and the committee is focused on other bill aspects, the debate could resurface when the legislation reaches the full Senate.

bitcoinistHace 1 hora(s)

White House Crypto Advisor Fires Back At Bank CEOs In Stablecoin Rewards Clash

bitcoinistHace 1 hora(s)

Here Are The Major Bitcoin Levels To Watch After Breaking $80,000

Bitcoin has closed a week above $80,000 for the first time since late January, strengthening the bullish case after breaking through the $78,000 to $80,000 bearish order block. The key to future price action now depends on whether bulls can hold two critical levels. The first is the $78,000 floor, which must be defended to confirm the former resistance zone has turned into support. The second is the $82,000 lower-high area; a clean break above it could open the path toward the next major resistance at $90,000. However, a truly bullish trend shift would only be confirmed with a high-timeframe close above the $97,900 "Change of Character" level, which would break the pattern of lower highs formed since late 2025. While currently trading around $81,000, analysis suggests there remains a significant chance Bitcoin retests the $60,000 zone before any sustained upward move.

bitcoinistHace 1 hora(s)

Here Are The Major Bitcoin Levels To Watch After Breaking $80,000

bitcoinistHace 1 hora(s)

Zcash Is Up 1,500% And Its Biggest Backer Says This Is Why

Zcash (ZEC) has surged approximately 1,500%, a rally attributed by prominent backer Josh Swihart to fundamental resets in governance, product strategy, narrative, and organization. Three years ago, Zcash had strong cryptography but weak momentum. Today, shielded transaction adoption has risen dramatically, and over $3 billion in value is held in shielded wallets. Key changes include a governance reset where direct funding to core institutions ended, breaking a perceived "stranglehold" and empowering the broader community. Product focus shifted to user adoption, exemplified by the Zodl wallet, which contributed to shielded supply rising from 11% to about 30%. The narrative moved from "privacy coin" to "unstoppable private money," improving institutional perception and leading to listings and investment. Organizationally, key developers formed the Zcash Open Development Lab (ZODL), raising $25 million to scale adoption. Current priorities are improving user experience, scalability (targeting faster block times), and post-quantum security. Swihart concluded these compounded efforts explain Zcash's accelerated growth.

bitcoinistHace 2 hora(s)

Zcash Is Up 1,500% And Its Biggest Backer Says This Is Why

bitcoinistHace 2 hora(s)

Trading

Spot

Futuros

Artículos destacados

Qué es $BANK

Banco AI: Un Paso Revolucionario en el Futuro de la Banca Introducción En una era marcada por avances rápidos en tecnología, Banco AI se sitúa en la intersección de la inteligencia artificial (IA) y los servicios bancarios. Este proyecto innovador busca redefinir el panorama financiero, mejorando la eficiencia operativa, las medidas de seguridad y las experiencias del cliente a través del poder de la IA. Al embarcarnos en esta exploración de Banco AI, profundizaremos en lo que implica el proyecto, sus dinámicas operativas, su contexto histórico y hitos significativos. ¿Qué es Banco AI? En su esencia, Banco AI representa una iniciativa transformadora destinada a integrar la inteligencia artificial en varias operaciones bancarias. Este proyecto aprovecha las capacidades de la IA para automatizar procesos, mejorar los protocolos de gestión de riesgos y mejorar la interacción con los clientes a través de servicios personalizados. Los objetivos principales de Banco AI incluyen: Automatización de Funciones Bancarias: Al aprovechar las tecnologías de IA, Banco AI tiene como objetivo automatizar tareas rutinarias, reduciendo la carga sobre los recursos humanos y mejorando la eficiencia. Mejora en la Gestión de Riesgos: El proyecto utiliza algoritmos de IA para predecir e identificar riesgos, fortaleciendo así las medidas de seguridad contra fraudes y otras amenazas. Personalización de Servicios Bancarios: Banco AI se centra en ofrecer productos y servicios financieros a medida al analizar datos y comportamientos de los clientes. Mejoramiento de la Experiencia del Cliente: La implementación de soluciones impulsadas por IA, como chatbots y asistentes virtuales, tiene como objetivo proporcionar a los usuarios interacciones más humanas, revolucionando la forma en que los clientes se relacionan con los bancos. Con estos objetivos, Banco AI se posiciona como un jugador crucial para hacer que la banca sea más eficiente, segura y centrada en el usuario. ¿Quién es el Creador de Banco AI? Los detalles sobre el creador de Banco AI siguen siendo desconocidos. Como tal, no se ha identificado a ninguna persona u organización específica en la información disponible. El anonimato que rodea el inicio del proyecto plantea preguntas, pero no resta valor a su ambiciosa visión y objetivos. ¿Quiénes Son los Inversores de Banco AI? Al igual que con el creador del proyecto, no se ha divulgado información específica sobre los inversores u organizaciones que apoyan a Banco AI. Sin esta información, es un desafío delinear el respaldo financiero y el apoyo institucional que podrían estar impulsando el proyecto hacia adelante. No obstante, la importancia de contar con una sólida base de inversión es fundamental para sostener el desarrollo en un campo tan innovador. ¿Cómo Funciona Banco AI? Banco AI opera en múltiples frentes innovadores, centrándose en factores únicos que lo diferencian de los marcos bancarios tradicionales. A continuación, se presentan las características operativas clave: Automatización: Al aplicar algoritmos de aprendizaje automático, Banco AI automatiza varios procesos manuales dentro de los bancos. Esto resulta en la reducción de costos operativos y permite que los trabajadores humanos redirijan sus esfuerzos hacia actividades más estratégicas. Gestión Avanzada de Riesgos: La integración de la IA en las prácticas de gestión de riesgos equipa a los bancos con herramientas para predecir con precisión amenazas potenciales como el fraude, garantizando que la información y los activos de los clientes permanezcan seguros. Recomendaciones Financieras Personalizadas: A través del aprendizaje continuo a partir de las interacciones con los clientes, los sistemas de IA desarrollan una comprensión matizada de las necesidades del usuario, lo que les permite ofrecer consejos adaptados sobre decisiones financieras. Interacciones Mejoradas con los Clientes: Al utilizar chatbots y asistentes virtuales impulsados por IA, Banco AI permite una experiencia más atractiva para el cliente, permitiendo a los usuarios resolver sus consultas rápidamente, reduciendo así los tiempos de espera y mejorando los niveles de satisfacción. En conjunto, estas características operativas posicionan a Banco AI como un pionero en el sector bancario, estableciendo nuevos parámetros para la entrega de servicios y la excelencia operativa. Línea de Tiempo de Banco AI Entender la trayectoria de Banco AI requiere mirar su contexto histórico. A continuación, se presenta una línea de tiempo que destaca hitos y desarrollos importantes: Inicios de 2010: La conceptualización de la integración de la IA en los servicios bancarios comenzó a ganar atención a medida que las instituciones bancarias reconocieron los posibles beneficios. 2018: Se produjo un aumento notable en la implementación de tecnologías de IA cuando los bancos comenzaron a utilizar herramientas de IA como chatbots para el servicio al cliente básico y sistemas de gestión de riesgos para mejorar la seguridad. 2023: La sofisticación de la IA continuó avanzando, con la introducción de IA generativa para tareas más complejas como el procesamiento de documentos y análisis de inversiones en tiempo real. Este año marcó un salto significativo en las capacidades que la tecnología de IA otorgó a los bancos. 2024-Estatus Actual: A partir de este año, Banco AI se encuentra en una trayectoria ascendente, con investigaciones y desarrollos en curso que pronto mejorarán las capacidades en las operaciones bancarias. La continua exploración de las aplicaciones de IA sugiere emocionantes desarrollos aún por venir. Puntos Clave Sobre Banco AI Integración de la IA en la Banca: Banco AI se centra en adoptar inteligencia artificial para optimizar los procesos bancarios y mejorar la experiencia del usuario. Enfoque en Automatización y Gestión de Riesgos: El proyecto enfatiza fuertemente estas áreas, con el objetivo de desplazar la carga de tareas rutinarias mientras mejora los marcos de seguridad a través de análisis predictivos. Soluciones Bancarias Personalizadas: Al aprovechar los datos de los clientes, Banco AI permite servicios bancarios adaptados a las necesidades individuales de los usuarios. Compromiso con el Desarrollo: Banco AI se mantiene comprometido con esfuerzos de investigación y desarrollo continuos, asegurando su adaptabilidad y relevancia continua a medida que la tecnología sigue evolucionando. Conclusión En resumen, Banco AI ejemplifica un paso crucial hacia adelante en la industria bancaria, aprovechando la inteligencia artificial para redefinir los paradigmas operativos, mejorar la seguridad y promover la satisfacción del cliente. A pesar de las lagunas en la información sobre el creador y los inversores, los objetivos claros y los mecanismos funcionales de Banco AI proporcionan una sólida base para su evolución continua. A medida que la tecnología de IA sigue avanzando y fusionándose con el sector bancario, Banco AI está bien posicionado para impactar significativamente el futuro de los servicios financieros, mejorando la forma en que entendemos e interactuamos con la banca.

143 Vistas totalesPublicado en 2024.04.06Actualizado en 2024.12.03

Cómo comprar BANK

¡Bienvenido a HTX.com! Hemos hecho que comprar Lorenzo Protocol (BANK) sea simple y conveniente. Sigue nuestra guía paso a paso para iniciar tu viaje de criptos.Paso 1: crea tu cuenta HTXUtiliza tu correo electrónico o número de teléfono para registrarte y obtener una cuenta gratuita en HTX. Experimenta un proceso de registro sin complicaciones y desbloquea todas las funciones.Obtener mi cuentaPaso 2: ve a Comprar cripto y elige tu método de pagoTarjeta de crédito/débito: usa tu Visa o Mastercard para comprar Lorenzo Protocol (BANK) al instante.Saldo: utiliza fondos del saldo de tu cuenta HTX para tradear sin problemas.Terceros: hemos agregado métodos de pago populares como Google Pay y Apple Pay para mejorar la comodidad.P2P: tradear directamente con otros usuarios en HTX.Over-the-Counter (OTC): ofrecemos servicios personalizados y tipos de cambio competitivos para los traders.Paso 3: guarda tu Lorenzo Protocol (BANK)Después de comprar tu Lorenzo Protocol (BANK), guárdalo en tu cuenta HTX. Alternativamente, puedes enviarlo a otro lugar mediante transferencia blockchain o utilizarlo para tradear otras criptomonedas.Paso 4: tradear Lorenzo Protocol (BANK)Tradear fácilmente con Lorenzo Protocol (BANK) en HTX's mercado spot. Simplemente accede a tu cuenta, selecciona tu par de trading, ejecuta tus trades y monitorea en tiempo real. Ofrecemos una experiencia fácil de usar tanto para principiantes como para traders experimentados.

754 Vistas totalesPublicado en 2025.05.09Actualizado en 2025.05.09

Discusiones

Bienvenido a la comunidad de HTX. Aquí puedes mantenerte informado sobre los últimos desarrollos de la plataforma y acceder a análisis profesionales del mercado. A continuación se presentan las opiniones de los usuarios sobre el precio de BANK (BANK).