# Сопутствующие статьи по теме Banking

Новостной центр HTX предлагает последние статьи и углубленный анализ по "Banking", охватывающие рыночные тренды, новости проектов, развитие технологий и политику регулирования в криптоиндустрии.

The Stablecoin Yield Debate: How It's Stalling U.S. Crypto Regulatory Legislation?

The debate over stablecoin yields has become a central obstacle to U.S. cryptocurrency regulatory legislation, stalling the Senate’s proposed CLARITY Act. The conflict centers on whether dollar-pegged stablecoins should function solely as payment tools or also offer yield-bearing features that compete with traditional bank deposits and money market funds. Banks argue that yield offerings could drain deposits—potentially up to $500 billion by 2028—undermining their lending capacity and harming local economies. They are pushing Congress to explicitly prohibit such returns. In contrast, crypto firms contend that limited incentives could help digital dollars compete with traditional payment systems and drive mainstream adoption. A Congressional Research Service report highlighted legal ambiguities in the earlier GENIUS bill, which banned direct issuer-yield payments but left room for intermediaries to distribute benefits. This regulatory gap has intensified the legislative standoff. With political deadlines tightening ahead of elections, the window for passing the bill is narrow—likely closing by late April or early May. If Congress fails to act, regulators may impose rules independently, such as the OCC’s proposed restrictions on indirect yield mechanisms. The outcome will shape not only the future of stablecoin yields but also broader crypto market structure, including asset classification and regulatory clarity. Failure could delay legal certainty, forcing the industry to rely on organic adoption rather than legislative support.

marsbit03/23 02:07

The Stablecoin Yield Debate: How It's Stalling U.S. Crypto Regulatory Legislation?

marsbit03/23 02:07

Trump’s crypto advisor confirms ‘agreement in principle’ on CLARITY Act

Trump's crypto advisor Patrick Witt confirmed a bipartisan 'agreement in principle' has been reached between the Senate and White House to advance the stalled CLARITY Act, a major crypto market structure bill. The breakthrough addresses banking industry concerns over stablecoin yields by blocking rewards on passive balances to prevent deposit flight, while permitting activity-based rewards for transactions and utility. This compromise, brokered by Senators Tillis and Alsobrooks, aims to unblock the legislation which had been stalled since January 2026. The bill's passage now depends on banking industry support, with a Senate markup expected after Easter recess if approved. The legislation faces a tight timeline to pass before the August recess and upcoming elections.

ambcrypto03/21 09:20

Trump’s crypto advisor confirms ‘agreement in principle’ on CLARITY Act

ambcrypto03/21 09:20

CNBC Teases Deal Between Banks And Crypto For Long-Awaited Market Structure Bill

CNBC reports that banking and cryptocurrency representatives are nearing a tentative agreement, potentially advancing the stalled CLARITY Act. Senate Banking Committee lawmakers may have reached a compromise, with a markup and vote expected soon. Key discussions involve stablecoin reward structures, though staff indicate negotiators are "99% of the way there." Additionally, Republicans are considering adding community bank deregulatory provisions from a House housing bill into the crypto legislation as part of a broader political trade-off to secure support. Talks remain fluid, and no final decisions have been made.

bitcoinist03/20 22:01

CNBC Teases Deal Between Banks And Crypto For Long-Awaited Market Structure Bill

bitcoinist03/20 22:01

NeoPass Introduces a Compliant Way To Buy Crypto in CIS

NeoPass has launched a compliant solution for users in CIS countries and the ruble zone to purchase cryptocurrencies using rubles directly from a bank card or account, eliminating the need for P2P services. The service supports both centralized and decentralized platforms, with transactions typically completing in 3–4 minutes. Built on a regulated banking model with a licensed partner, it includes mandatory AML checks to ensure regulatory compliance. The company aims to reduce operational risks and provide a transparent, legally sound framework for crypto purchases, with plans to expand support for additional local currencies and integrate with more international exchanges in the region.

TheNewsCrypto03/20 12:20

NeoPass Introduces a Compliant Way To Buy Crypto in CIS

TheNewsCrypto03/20 12:20

Crypto Structure Bill Progress: ‘99%’ Settlement Reached In Stablecoin Yield Talks

After intensive negotiations on the CLARITY Act's stablecoin rewards provision, Republican senators, including Cynthia Lummis, expressed cautious optimism. Lummis described a breakthrough, stating "major light bulbs were switched on," with staff reporting 99% agreement reached on stablecoin yield terms. Digital asset portions are also progressing well. Discussions included potentially adding community banking deregulation to the crypto bill in exchange for House acceptance of the Senate's housing package, though this remains uncertain. The overall tone was productive, addressing key hurdles in the stalled market-structure legislation.

bitcoinist03/20 01:02

Crypto Structure Bill Progress: ‘99%’ Settlement Reached In Stablecoin Yield Talks

bitcoinist03/20 01:02

Tim Scott Signals Breakthrough on Stablecoin Yield Dispute

U.S. Senator Tim Scott has indicated that a breakthrough may be imminent in the dispute over stablecoin yield provisions within the Senate's crypto market structure bill, the Digital Asset Market Clarity Act. He expects to receive the first compromise proposal this week. The bill's progress had stalled due to disagreements on a clause that would ban third parties from offering yields on stablecoins. Traditional bankers argue such yields create a loophole diverting deposits from banks, while crypto advocates view the restriction as anti-competitive. Recent closed-door meetings between banks and crypto lobbyists have aimed to find a middle ground, though no official updates to the legislative calendar have been made.

TheNewsCrypto03/18 11:30

Tim Scott Signals Breakthrough on Stablecoin Yield Dispute

TheNewsCrypto03/18 11:30

How the Stablecoin Yield Debate Is Stalling U.S. Crypto Regulatory Legislation?

The debate over whether stablecoin issuers should be allowed to offer yield to users has become a central obstacle to U.S. cryptocurrency regulatory legislation, particularly the Senate’s CLARITY Act. Banking industry groups are pressuring lawmakers to prohibit yield on stablecoins, arguing it could draw deposits away from banks—especially smaller community banks—and reduce lending capacity. In contrast, crypto firms argue that incentives could help digital dollars compete with traditional payment systems. A Congressional Research Service report highlighted legal ambiguities in the current draft of the GENIUS Act, which entities may distribute returns. While the White House attempted a compromise—allowing limited rewards for specific uses like peer-to-peer payments but not for idle funds—banks rejected the proposal, stalling negotiations. Time is a critical factor: if the CLARITY Act does not advance by late April or early May, its chances of passing in 2026 drop significantly. If Congress fails to act, regulators such as the OCC may impose restrictions administratively. The outcome will influence not only stablecoin policy but also broader crypto market structure, including how tokens are classified. Failure could leave the industry dependent on regulatory guidance and real-world adoption rather than legislative certainty.

比推03/17 12:47

How the Stablecoin Yield Debate Is Stalling U.S. Crypto Regulatory Legislation?

比推03/17 12:47

Crypto Push In Korea: Hana Financial And Standard Chartered Unveil New Deal

One of South Korea's largest financial groups, Hana Financial, has partnered with UK-based Standard Chartered to strengthen cooperation in global finance and crypto assets. The two institutions signed a memorandum of understanding (MOU) on March 15, aiming to develop stablecoins and digital assets as new growth drivers alongside their traditional banking operations. The agreement covers areas including stablecoins, deposit tokens, and tokenized financial instruments. Hana’s Chairman, Ham Young-joo, emphasized the importance of building a comprehensive ecosystem for won-denominated stablecoins, from issuance to circulation. Standard Chartered’s CEO, Bill Winters highlighted South Korea’s key role in Asian financial markets. This partnership reflects a broader trend among major Korean banks to develop regulated digital asset infrastructure—such as stablecoins and tokenized bonds—rather than focusing on retail crypto speculation. Both institutions have prior experience in the digital asset space, with Hana having established a crypto custody venture and Standard Chartered actively involved in tokenization projects and stablecoin initiatives in Asia.

bitcoinist03/16 15:01

Crypto Push In Korea: Hana Financial And Standard Chartered Unveil New Deal

bitcoinist03/16 15:01

Crypto’s CLARITY Act May Miss 2026 Window Without April Action

Reports indicate the CLARITY Act, a key crypto regulation bill, may miss its 2026 legislative window without committee approval by the end of April. Analysts warn that failure to advance by then could delay passage until 2027 or later. The bill faces significant hurdles, including tight Senate scheduling and deep divisions between banks and crypto firms over stablecoin rewards. Compromise is needed, but lawmakers acknowledge neither side will be fully satisfied. Political priorities and limited floor time further complicate its progress. If delayed, the legislation could extend into the next congressional session or require reworking under new leadership, impacting crypto market structure and stablecoin regulation.

bitcoinist03/16 10:53

Crypto’s CLARITY Act May Miss 2026 Window Without April Action

bitcoinist03/16 10:53

Circle CEO's Latest Interview: Stablecoins Are Not Crypto Assets

Circle CEO Jeremy Allaire discusses the transformative potential of stablecoins in a recent interview, emphasizing that they represent a new form of digital dollar infrastructure rather than just crypto assets. Having led Circle through its 2025 IPO, Allaire reflects on the company’s 12-year journey and its vision to integrate the US dollar into the internet as a native, open monetary protocol. Stablecoins like USDC enable fast, low-cost, borderless transactions, serving as a practical alternative to traditional systems—especially in regions with volatile currencies. Allaire highlights their regulated, reserve-backed nature, which offers security and trust. Looking forward, he envisions internet-native financial platforms reshaping global finance, with Circle positioned as a key infrastructure builder. The discussion also touches on AI’s impact on jobs, the need for quantum-resistant cryptography, and the early-stage potential of stablecoin technology despite its already significant scale.

marsbit03/15 10:23

Circle CEO's Latest Interview: Stablecoins Are Not Crypto Assets

marsbit03/15 10:23

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