# Banking İlgili Makaleler

HTX Haber Merkezi, kripto endüstrisindeki piyasa trendleri, proje güncellemeleri, teknoloji gelişmeleri ve düzenleyici politikaları kapsayan "Banking" hakkında en son makaleleri ve derinlemesine analizleri sunmaktadır.

ABA Challenges White House Report On Stablecoins, Flags Major Concerns

The American Bankers Association (ABA) is challenging a White House Council of Economic Advisers (CEA) report on stablecoins, arguing it misrepresents the core policy risks. The ABA contends the report focuses incorrectly on the minor near-term lending effects of prohibiting yield on payment stablecoins, which it deems a "rounding error." Instead, the ABA emphasizes the real concern is the potential consequence of allowing yield, which could accelerate deposit flight—especially from community banks—as the stablecoin market grows from $300 billion to a projected $1–$2 trillion. This migration could raise banks' funding costs and significantly reduce local lending, with state-level impacts potentially reaching billions of dollars. The association warns policymakers against complacency, urging them to address the risks of an expanding yield-paying stablecoin ecosystem.

bitcoinist22 saat önce

ABA Challenges White House Report On Stablecoins, Flags Major Concerns

bitcoinist22 saat önce

Crypto Gains Ally As Former CFTC Chair Becomes Full-Time Adviser

Former CFTC Chairman Chris Giancarlo, known as "Crypto Dad," has retired from legal practice to work full-time as an adviser in the cryptocurrency and fintech sectors. He will focus on advising founders, CEOs, and boards, along with policy research and nonprofit work. Giancarlo, who served as CFTC commissioner and later chairman, played a key role in approving the first Bitcoin futures markets in the U.S. He has been a vocal advocate for clear crypto regulations rather than restrictive policies. His move follows a trend of senior regulators transitioning into the industry, similar to Caroline Pham’s shift to MoonPay last year. Giancarlo believes current regulators have sufficient authority to bring structure to crypto, though he acknowledges that regulatory uncertainty continues to hinder broader banking involvement.

bitcoinistDün 08:02

Crypto Gains Ally As Former CFTC Chair Becomes Full-Time Adviser

bitcoinistDün 08:02

Crypto Traders On Alert: Is CLARITY The Last Chance To Protect Stablecoin Yield?

A U.S. Senator is preparing to release a compromise draft of the CLARITY Act to resolve the ongoing dispute over stablecoin yields. The key issue is whether crypto firms can pay interest on idle stablecoin holdings, which banks oppose as it competes with traditional deposits. The draft aims to distinguish between prohibited passive yield and permitted activity-based rewards. This legislation will significantly impact stablecoin yields, liquidity, and where traders hold their capital, potentially affecting competition with foreign digital currencies and offshore platforms.

bitcoinistDün 20:06

Crypto Traders On Alert: Is CLARITY The Last Chance To Protect Stablecoin Yield?

bitcoinistDün 20:06

The White House Did the Math: How Much More Could Banks Lend If Stablecoin Interest Is Banned?

The White House Council of Economic Advisers (CEA) refuted a previous claim that interest-bearing stablecoins could reduce bank lending by $1.5 trillion, estimating the actual impact at just $2.1 billion—nearly 700 times smaller. The key argument centers on where stablecoin reserves are allocated. Most major issuers, like Tether and Circle, hold the majority of reserves in U.S. Treasuries and repurchase agreements, not bank deposits. Only a small portion (around 12% for USDC) is held in bank deposits subject to 100% reserve requirements—the only scenario that meaningfully reduces bank lending capacity. Even if a ban on stablecoin interest payments drove an estimated $54.4 billion back to banks, only 12% of that would affect lending capacity. After accounting for reserve requirements and banks’ existing excess liquidity, the net increase in lending would be minimal. The report also highlights negative side effects: an $800 million annual welfare loss for stablecoin holders and potential reduced foreign demand for U.S. Treasuries, which could raise borrowing costs. The cost-benefit ratio of an interest ban is estimated at 6.6, making it an inefficient policy with clear costs and uncertain benefits.

marsbit04/13 09:52

The White House Did the Math: How Much More Could Banks Lend If Stablecoin Interest Is Banned?

marsbit04/13 09:52

US Stablecoins Welcome New Regulations: Interpreting the FDIC Draft, How Bank-Issued Stablecoins Should Operate According to the Rules

The FDIC has released a proposed rule in April 2026 to implement the GENIUS Act, establishing clear guidelines for FDIC-supervised banks and their subsidiaries issuing payment stablecoins. Key provisions mandate that stablecoins must be fully backed 1:1 by high-quality, liquid reserve assets, with segregated reserves for different brands. Redemptions must be processed within two business days (T+2), and issuers are prohibited from paying interest to holders or implying federal deposit insurance coverage. The draft rules also define permitted activities, capital and liquidity requirements, and mandate detailed monthly public disclosures of reserve composition, supplemented by weekly confidential reports to the FDIC and third-party audits. This framework aims to ensure safety, prevent misleading practices, and solidify the regulatory landscape for bank-issued stablecoins, favoring established institutions with strong compliance capabilities. The proposal is open for public feedback until June 9.

marsbit04/12 07:09

US Stablecoins Welcome New Regulations: Interpreting the FDIC Draft, How Bank-Issued Stablecoins Should Operate According to the Rules

marsbit04/12 07:09

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

The Era of Easy Money with Stablecoins Is Over, DeFi Native Stablecoins May Become the New Engine in Regulatory Gaps

The era of passive income from stablecoins is ending due to regulatory changes, particularly the proposed CLARITY Act in the U.S., which aims to restrict centralized exchanges (CEXs) like Coinbase from offering interest on stablecoin holdings such as USDC. This legislation, backed by banking industry lobbying, seeks to prevent stablecoins from functioning as "chain-based deposits" that compete with traditional banks by offering Treasury-like yields without banking regulations. However, the CLARITY Act carves out exceptions for rewards based on "identifiable activities," including platform engagement, transactions, and contributions to blockchain infrastructure. This creates an opportunity for DeFi-native stablecoins like USDe and USDS, which generate yields through mechanisms such as staking, derivatives hedging, and protocol revenue sharing—activities framed as active participation rather than passive income. As a result, centralized stablecoins may revert to their core roles in payments and settlements, while DeFi alternatives could thrive by offering compliant, activity-based yields, reshaping the stablecoin landscape into a dual structure of utility-focused and yield-generating assets.

marsbit04/09 09:33

The Era of Easy Money with Stablecoins Is Over, DeFi Native Stablecoins May Become the New Engine in Regulatory Gaps

marsbit04/09 09:33

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

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

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