# Сопутствующие статьи по теме Stablecoin

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

Treasury, CFTC ramp up pressure on Congress to pass CLARITY Act

Senior U.S. Treasury and CFTC officials are increasing public pressure on Congress to advance the long-stalled CLARITY Act, signaling a coordinated push from the executive branch to move crypto legislation forward. Officials emphasized urgency, framing the bill as essential for providing regulatory clarity and future-proofing digital asset markets. The push comes shortly after a White House report challenged a key point of contention—whether stablecoin issuers should be allowed to offer yield—by concluding that a ban would have minimal impact on bank lending but reduce consumer welfare. The CLARITY Act aims to define market structure, jurisdictional boundaries, and oversight roles, but has been delayed due to debates between traditional finance and crypto industry interests. While executive agencies are shaping the narrative, Congress holds the key to turning policy alignment into law. The renewed pressure suggests the push for a unified crypto regulatory framework may be entering a more decisive phase.

ambcrypto04/09 15:29

Treasury, CFTC ramp up pressure on Congress to pass CLARITY Act

ambcrypto04/09 15:29

U.S. Treasury moves forward with GENIUS Act – New rules protect stablecoin issuers

The U.S. Treasury, through FinCEN and OFAC, has proposed a new rule under the GENIUS Act (signed into law in July 2025) that treats permitted payment stablecoin issuers similarly to banks under the Bank Secrecy Act. This aims to combat money laundering, terrorist financing, and sanctions evasion by imposing anti-money laundering obligations on issuers. The rule is designed to protect national security without hindering innovation in the payment system. This action follows multiple cases of illicit stablecoin use, including seizures of millions of dollars linked to scams and criminal activities. Treasury Secretary Scott Bessent stated the proposal strengthens U.S. leadership in digital finance while safeguarding the financial system.

ambcrypto04/09 14:03

U.S. Treasury moves forward with GENIUS Act – New rules protect stablecoin issuers

ambcrypto04/09 14:03

Crypto Traders Shrugs Off Inflation Data as Iran Tensions Simmer

Crypto traders are largely dismissing the potential impact of the upcoming U.S. March inflation data, despite expectations that it may reflect inflationary pressures from the Iran conflict. Market analysis indicates a predicted Bitcoin price fluctuation of only 2.5%, which falls within its recent average volatility. This sentiment is reflected in the low implied volatility index, which has dropped to a multi-month low. Options and derivatives pricing suggests that investors do not view the inflation report as a significant market-moving event. Additionally, interest rate markets have already scaled back expectations for Federal Reserve rate cuts this year due to inflation risks from the Middle East tensions and oil price shocks.

TheNewsCrypto04/09 12:28

Crypto Traders Shrugs Off Inflation Data as Iran Tensions Simmer

TheNewsCrypto04/09 12:28

Not A Threat: Stablecoin Yield Won’t Harm Banks, White House Economists Say

In a positive development for crypto, a White House economic study by the Council of Economic Advisers (CEA) concludes that prohibiting stablecoin yield would have a negligible impact on bank lending, particularly for community banks. The study, addressing a key debate around bills like the GENIUS Act, found that eliminating yield would boost overall bank lending by only $2.1 billion, a mere 0.02% increase. Even under worst-case assumptions requiring implausible conditions like a sixfold growth in stablecoins, the increase would be moderate. The report contradicts banking industry claims that yield-bearing stablecoins could trigger massive deposit flight, arguing a yield prohibition would do little to protect lending while denying consumers competitive returns. It also highlights that regulatory uncertainty harms banks more than the crypto industry, as it prevents investment in new technology.

bitcoinist04/09 11:06

Not A Threat: Stablecoin Yield Won’t Harm Banks, White House Economists Say

bitcoinist04/09 11:06

Hyperbeat: Launching a 'Bank' on Hyperliquid

Hyperbeat, a protocol built on Hyperliquid, has launched "Liquid Banking," a self-custodial banking solution deployed on HyperEVM. It integrates stablecoin deposits, VISA card spending, perpetual trading, and multi-currency fiat on/off ramps into a single on-chain smart wallet. The core feature is "Credit Mode," powered by Morpho's lending engine. Users deposit assets like BTC or ETH as collateral. When spending with the VISA card, the system instantly borrows stablecoins via Morpho to complete payments, while the collateral remains on-chain earning yield. There is no grace period—interest accrues immediately upon spending. Hyperbeat uses its native stablecoin, beatUSD, issued in partnership with Paxos. Deposit yields come from real borrowing interest generated by consumer spending. Fiat services are provided by Noah, supporting multiple currencies, and the VISA card is issued by Third National via infrastructure from Rain. As a self-custodial system, user assets stay in their smart wallet. To prevent fraud, withdrawals require a cooling period and operator approval for collateral removal. The system emphasizes transparency and on-chain security but places responsibility on users to manage their account health, with no customer support to reverse errors.

marsbit04/09 10:12

Hyperbeat: Launching a 'Bank' on Hyperliquid

marsbit04/09 10:12

Stablecoin Rules Face 144 Questions In New FDIC Proposal

The FDIC has proposed a new regulatory framework for stablecoin issuers, giving the public 60 days to respond to its 144 specific questions. The rules would set standards for reserves, redemptions, capital, and risk management for over 2,700 FDIC-supervised institutions, implementing the GENIUS Act signed in July 2025. A key point is that while the reserves backing stablecoins would be insured, the stablecoin holders themselves would not be covered by federal deposit insurance, as explicitly barred by the law. The FDIC argues the rules will still benefit users by ensuring issuers meet stricter standards. This proposal is part of a broader regulatory effort, with the OCC running a parallel process for other institutions.

bitcoinist04/09 05:01

Stablecoin Rules Face 144 Questions In New FDIC Proposal

bitcoinist04/09 05:01

CoinFound × OSL Research Launches Stablecoin Research Collaboration, First Phase Focuses on USDGO

CoinFound and OSL Research have launched a stablecoin research partnership, with the initial phase centered on USDGO. The collaboration will conduct thematic research on the USDGO stablecoin ecosystem, utilizing on-chain data analysis and market structure observations. The study aims to explore the development path of stablecoins within the digital financial system and their application potential in trading, settlement, and on-chain financial scenarios. As stablecoins increasingly serve as a bridge between traditional finance and on-chain financial infrastructure, there is growing demand for research into their issuance mechanisms, liquidity structures, and ecosystem synergies. CoinFound and OSL Research will collaborate on building research frameworks and sharing industry insights. Their joint efforts will include co-developing research content, establishing data analysis frameworks, and publishing findings through reports, market observations, and thematic analyses. OSL Research, part of the OSL Group, focuses on in-depth digital asset research and provides forward-looking market insights. CoinFound specializes in Web3 data and research, offering analysis of asset structures and capital flow trends through on-chain analytics. Together, they aim to advance stablecoin research and provide clearer industry benchmarks for the digital asset market.

marsbit04/09 03:32

CoinFound × OSL Research Launches Stablecoin Research Collaboration, First Phase Focuses on USDGO

marsbit04/09 03:32

Market Analysis: Circle's Pricing Logic Is Outdated, Still Has 80% Upside Potential

Market Analysis: Circle's current valuation as an interest-rate-sensitive money market fund is outdated, with an estimated 80% upside potential. Despite a 75 bps Fed rate cut in H2 2025, USDC supply grew 72% to $75.3B, indicating demand is driven by utility, not just yield-seeking. The baseline forecast predicts a $1.5T stablecoin market by 2030, with USDC averaging $284B in supply. Reserve revenue is projected to grow 3.5x to $9.24B by 2030, as supply growth outweighs rate compression. Circle’s Payment Network (CPN) and other services add diversification, with total revenue reaching $9.8B and net income ~$1.8B by 2030. Key growth drivers include AI agent commerce (McKinsey forecasts $3-5T by 2030), B2B payments, and regulatory tailwinds like the GENIUS Act. A 25x terminal P/E on 2030 EPS of $6.73 implies a $168 target price. Risks include white-label competition, rate sensitivity, and reliance on Coinbase, but Circle’s liquidity depth and regulatory moat provide mitigation.

marsbit04/09 03:22

Market Analysis: Circle's Pricing Logic Is Outdated, Still Has 80% Upside Potential

marsbit04/09 03:22

White House report challenges case for banning stablecoin yield as CLARITY Act debate intensifies

A White House report from the Council of Economic Advisers challenges the argument that banning yield on stablecoins is necessary to protect the banking system. The analysis, published on April 8, finds that prohibiting such yields would only increase bank lending by $2.1 billion (0.02% of total loans) while causing an estimated $800 million annual welfare loss for consumers. The report disputes claims that stablecoin yield draws significant deposits away from banks, noting that most reserves are held in Treasury bills and similar instruments, meaning capital largely remains within the financial system. Only about 12% of reserves held as cash-like deposits affect banks’ lending capacity. These findings come amid debates over the CLARITY Act, which proposes restricting yield-bearing stablecoins. The report suggests that a yield ban offers limited benefits to banks while reducing consumer returns and potentially hindering innovation in digital payments. It also frames stablecoins as part of a broader shift toward “narrow banking,” emphasizing benefits like faster settlement and reduced credit risk.

ambcrypto04/08 15:02

White House report challenges case for banning stablecoin yield as CLARITY Act debate intensifies

ambcrypto04/08 15:02

Wirex and Utorg Bring Seamless Crypto-to-Card Spending to 2M+ Users Worldwide

Wirex, a leading crypto card issuer and Banking-as-a-Service (BaaS) provider, has partnered with global fintech company Utorg to integrate seamless crypto-to-card spending for Utorg's 2 million+ users across 190+ countries. Through Wirex BaaS, Utorg gains access to non-custodial card issuance, EUR/USD IBAN accounts, real-time crypto-to-fiat conversion, and DeFi yield services. This enables Utorg users to spend their digital assets at over 80 million merchants worldwide while maintaining full self-custody of their funds. The partnership accelerates Utorg’s vision of bridging traditional finance with the stablecoin economy, offering a unified experience for buying, holding, and spending crypto in everyday transactions.

TheNewsCrypto04/08 12:17

Wirex and Utorg Bring Seamless Crypto-to-Card Spending to 2M+ Users Worldwide

TheNewsCrypto04/08 12:17

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