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Summary The American Bankers Association says yield‑bearing payment stablecoins could accelerate deposit flight from community banks once the market scales to $1–2 trillion. ABA modeling suggests pote

Summary The American Bankers Association says yield‑bearing payment stablecoins could accelerate deposit flight from community banks once the market scales to $1–2 trillion. ABA modeling suggests potential loan reductions of $4.4–$8.7 billion in Iowa alone if stablecoins pull $5.3–$10.6 billion of deposits from local banks. The group’s critique directly challenges a White House report that finds banning stablecoin yield would add just $2.1 billion, or 0.02%, to U.S. bank lending. The American Bankers Association is escalating its campaign against interest‑bearing payment stablecoins, arguing they could drain deposits from community banks and cut local lending by billions of dollars even if a White House study downplays the risk. In an article for the ABA Banking Journal, the association’s chief economist writes that “the live policy concern is not whether prohibiting yield on payment stablecoins would impact bank lending,” but “whether allowing yield on payment stablecoins would encourage deposit flight — especially from community banks — thus raising banks’ funding costs and reducing local lending.”bankingjournal. The ABA’s critique targets a recent report from the White House Council of Economic Advisers, which modeled the effects of banning yield on payment stablecoins and found that eliminating interest would increase total U.S. bank loans by only $2.1 billion, or 0.02%, at the cost of about $800 million a year in lost consumer welfare. “Policymakers should not take comfort from a study showing that prohibiting stablecoin yield might have a small, near-term effect on aggregate lending,” the ABA article says, calling that “not the contested scenario.” ABA’s Iowa numbers and the community‑bank argument In its own work, the association asks what happens if yield‑bearing payment stablecoins reach 5–10% of U.S. bank deposits and become genuine competitors to insured savings. A one‑pager on “Implications for Community Banks in Iowa” estimates that if $5.3–$10.6 billi

Summary The American Bankers Association says yiel

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Bitcoin Price Prediction: Why $68,000 Is the Last Line of Defense Before the Iran Ceasefire Expires April 22

The bitcoin price is range-bound between $68,000 support and $75,000 resistance heading into the most consequential two-week window of 2026, with three catalysts arriving back to back: the Iran ceasefire expiry on April 22, the CLARITY Act Senate markup targeted for late April, and the FOMC meeting on April 28 and 29.

Bitcoin ($BTC) has spent 46 consecutive days in extreme fear territory, with the Crypto Fear and Greed Index reading between 8 and 12. Despite that, whale wallets accumulated 270,000 $BTC over the past 30 days, the largest sustained buying spree since 2013, while exchange reserves hit their lowest level since December 2017 at 2.21 million $BTC. Those on-chain signals suggest long-term holders are absorbing the selling from retail and tax-driven exits rather than liquidating.

One analyst described the level plainly: “$68,000: This is the line in the sand.”

Bitcoin Price: What Each of the Three April Catalysts Could Do

The three catalysts between April 22 and April 29 interact with each other in ways that matter. If the ceasefire extends and oil drops toward $90, rate cut expectations improve going into the FOMC meeting and bitcoin gets a macro tailwind at the same time the CLARITY Act markup could add a crypto-specific catalyst. If all three resolve favorably in sequence, analysts at 24/7 Wall St project a move toward $75,000 to $80,000 by the end of April. That scenario requires a lot to go right simultaneously.

Why the Ceasefire Expiry Is the First Domino

The Islamabad talks ran 21 hours and ended without agreement on the two core issues: Iran’s nuclear program and control of the Strait of Hormuz. Iran’s parliament speaker returned home saying Iran would not bow to any threats. With the US Navy now blockading Iranian ports, the conditions for a

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HTX Community Spring Creation ContestDaily BTC Guess: Win 18M HTX!Post To Earn Bonus Former CFTC chair J. Christopher "CryptoDad" Giancarlo has quit his senior role at Willkie to focus full-time on cr

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"CryptoDad" Giancarlo has quit his senior role at Willkie to focus full-time on crypto, Al and policy work, including a new book on digital money under Trump's second term. Summary Former CFTC chair J. Christopher Giancarlo has retired from his senior role at law firm Willkie Farr & Gallagher to focus full-time on digital assets, Al and policy work. Known as "Crypto Dad," he plans to expand strategic advisory work, private investments and think-tank research, while promoting a new book on crypto's evolution through Trump's second term. The move cements Giancarlo's shift from big-law partner to full-time crypto advocate as Washington rewrites U.S. rules for stablecoins, DeFi and tokenized markets. Former Commodity Futures Trading Commission chairman J. Christopher Giancarlo has stepped down as senior counsel and digital-assets lead at New York law firm Willkie Farr & Gallagher to focus on cryptocurrency, artificial intelligence and public-policy work, he confirmed on Linkedin and in remarks reported by Crypto in America and Phemex. You might also like: Ondo seeks SEC green light for tokenized securities on Ethereum Giancarlo, who joined Willkie in 2020 and helped build its "Digital Works" crypto practice, said he is pivoting toward "strategic advisory services to founders and boards in the fintech and digital asset sectors," as well as nonprofit projects such as the Digital Dollar Project.creators.spotify+3 In an April post, Giancarlo told followers "after six rewarding years helping Willkie build one of the world's leading digital asset legal practices

Former CFTC chair J. Christopher

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HTX Community Spring Creation ContestTap Now, Claim Airdrop Tomorrow!Daily BTC Guess: Win 18M HTX! BTC Exceeded 73,000 USDT, Up 2.6% in 24H Bitcoin broke above 73,000 USDT during the latest 24-hour tr

BTC Exceeded 73,000 USDT, Up 2.6% in 24H

Bitcoin broke above 73,000 USDT during the latest 24-hour trading session, posting a gain of nearly 3% and reaching its highest level since the March 2024 all-time high print. The move pushed BTC into a zone that traders had been watching as a key psychological threshold, with market data confirming the price cleared that level convincingly.

BTC Exceeded 73,000 USDT, Up 2.6% in 24H Bitcoin

On April 14, data from ASXN revealed that the supply of stablecoins on HyperLiquid has been steadily increasing since February of this year. Today, the stablecoin supply reached an all-time high of $1

Stablecoin Supply on HyperLiquid Reaches All-Time High of $1.78 Billion

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In a significant policy shift, White House economic advisers have expressed support for allowing stablecoin issuers to offer yield to users, marking a notable change in the long-running debate between

In a significant policy shift, White House economic advisers have expressed support for allowing stablecoin issuers to offer yield to users, marking a notable change in the long-running debate between the traditional banking sector and the crypto industry.
A Major Change in Regulatory Tone
According to a recent study by the Council of Economic Advisers, permitting stablecoin yields would have only a minimal impact on traditional banks—potentially increasing bank lending by just 0.02% if such yields were restricted.
Based on these findings, some White House advisers argue that digital asset platforms can offer competitive interest rates without threatening the stability of the banking system. This perspective represents a more balanced approach compared to earlier concerns raised by banking groups.
CLARITY Act Becomes the Key Legislative Vehicle
The policy shift is being channeled through the CLARITY Act, which is expected to face a crucial Senate Banking Committee markup in late April 2026.
Although the bill has already passed the Agriculture Committee, more than 100 proposed amendments have complicated its progress. One of the most contentious issues remains whether stablecoin issuers should be allowed to legally offer yield to customers.
A potential Senate floor vote could follow as early as May, depending on the outcome of ongoing negotiations.
Toward a Clearer Regulatory Framework
If passed, the CLARITY Act would establish clearer definitions distinguishing “digital commodities” from “securities,” a long-standing regulatory ambiguity in the U.S. crypto market.
This clarity could have several major effects:
Stronger legal framework for stablecoins
Broader adoption of USDT, USDC, and similar assets
Increased institutional participation
Reduced overlap between SEC and CFTC jurisdictions
Many industry participants view this as a key step toward reducing the regulatory uncertainty that has weighed on the sector.


U.S. Policy Shift on Stablecoin Yields Could Resha

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