# 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.

The Banking Industry's Resistance: The Endless Debate Over Stablecoin Interest Payments

The article discusses the ongoing regulatory debate in the U.S. regarding interest payments on stablecoins. The proposed *GENIUS Act* currently prohibits stablecoin *issuers* from paying interest to holders. However, platforms like Coinbase can still offer yields (e.g., 3.35% on USDC) because they act as *distributors*, not issuers. This loophole has sparked a significant political battle. The American Bankers Association (ABA) is leading efforts to expand the interest ban to include distributors in the upcoming *Crypto Market Structure Bill*. Banks argue that stablecoins threaten their deposit base, reduce lending capacity, and lack FDIC insurance, thereby endangering their traditional business model. The crypto industry strongly opposes this expansion. Coinbase's Chief Policy Officer argues stablecoins haven't caused significant bank deposit outflows. Think tank Paradigm suggests that banning interest on stablecoins used for payments would be akin to a "holding tax" on consumers. The article contrasts the U.S. situation with approaches in China and South Korea. China's digital yuan (a CBDC) pays interest to promote adoption, while South Korea's policy mirrors the current U.S. stance—banning issuer interest but not distributor interest. The conclusion warns that if the ABA's lobbying succeeds, it would cripple the crypto industry. It argues that traditional finance should adapt to innovation, citing examples of banks and asset managers (like BNY Mellon, JPMorgan, and BlackRock) already embracing opportunities in stablecoins and tokenization.

marsbit01/09 12:44

The Banking Industry's Resistance: The Endless Debate Over Stablecoin Interest Payments

marsbit01/09 12:44

The Biggest Variable in the Post-Encryption Market: Can the CLARITY Act Pass the Senate?

The CLARITY Act (Digital Asset Market Clarity Act of 2025), a key U.S. crypto market structure bill, faces a critical Senate Banking Committee vote on January 15. The bill aims to establish a clear regulatory framework by classifying digital assets into three categories: digital commodities, investment contract assets (securities), and regulated payment stablecoins. It also delineates regulatory jurisdiction between the SEC and CFTC. Recent closed-door meetings between Wall Street representatives (including SIFMA) and crypto industry players have been "constructive," particularly on contentious issues like DeFi regulatory exemptions and yield-bearing stablecoins. However, significant disagreements remain. Wall Street opposes broad DeFi exemptions and wants to restrict yield-paying stablecoins to protect traditional banks, while the crypto industry defends these provisions. Having passed the House with strong support in July, CLARITY's Senate progress has been delayed multiple times due to these disputes. The upcoming committee vote is crucial for the bill to advance to the full Senate. Supporters warn that postponement beyond April could jeopardize its passage due to midterm election politics. The outcome will determine whether the U.S. can resolve long-standing regulatory uncertainties and provide a clearer path for crypto market growth.

Odaily星球日报01/09 09:51

The Biggest Variable in the Post-Encryption Market: Can the CLARITY Act Pass the Senate?

Odaily星球日报01/09 09:51

BNB Chain 2025 Year-End Review: Self-Transcendence, Trading Everything

BNB Chain 2025 Year-End Review: Self-Transformation and Trading Everything In 2025, BNB Chain underwent a qualitative transformation, evolving from a low-cost alternative to a robust infrastructure capable of handling real-world financial and payment scenarios. Key achievements include a 40.5% growth in TVL, a 100% increase in on-chain stablecoin market cap to $14.7 billion, and over $1.8 billion in RWA assets. The network maintained zero downtime despite high transaction loads, processing a record 31 million daily transactions. Technical upgrades through Lorentz and Maxwell hard forks reduced block time to sub-second levels and increased throughput to 133 million gas/second, significantly improving speed, reducing MEV attacks by 95%, and lowering costs. These enhancements enabled high-frequency applications like stablecoin payments and DEX interactions, driving daily active addresses to 4.4 million, the highest among blockchains. Stablecoin adoption flourished, with BNB Chain becoming a leading network for efficient, low-cost payments. Initiatives like United Stables' multi-collateral model and a $1 billion Builder Fund fostered ecosystem growth. RWA integration accelerated with major institutions like BlackRock and Franklin Templeton tokenizing assets on-chain, leveraging BNB Chain’s user base and liquidity for deeper adoption. BNB Chain’s 2025 progress validated its capacity as reliable infrastructure under sustained demand, setting the stage for 2026 goals: enhancing user experience, reducing latency and costs, and supporting advanced use cases like AI and global payments, moving toward seamless Web3 integration into everyday economies.

marsbit01/09 09:39

BNB Chain 2025 Year-End Review: Self-Transcendence, Trading Everything

marsbit01/09 09:39

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