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A bill meant to bring order to the US crypto market is stuck in Congress, caught between two powerful groups that cannot agree on one key question: should stablecoins be allowed to pay interest? Banks

A bill meant to bring order to the US crypto market is stuck in Congress, caught between two powerful groups that cannot agree on one key question: should stablecoins be allowed to pay interest?

Banks And Crypto In A Legislative Standoff

The Digital Asset Market Clarity Act of 2025 — known as the CLARITY Act — was drafted to establish rules for how crypto assets are classified and overseen in the US. But the bill hit a wall after Coinbase and other crypto companies publicly opposed earlier versions of it.

Among their objections: the bill would ban yield-bearing stablecoins. Banks, for their part, have pushed hard to keep that ban in place.

Senator Thom Tillis of North Carolina has been working on a revised draft aimed at satisfying both sides, but reports say it has already drawn pushback and has yet to be released publicly.

The standoff reflects a deeper anxiety in the banking industry — one that a senior Moody’s analyst says may be premature, at least for now.

🏦 Analyst from Moody’s agency states that stablecoins do not pose a threat to banks in the near future. #stablecoin#crypto pic.twitter.com/jP8aB5uN1r

— CryptOpus (@ImCryptOpus) April 20, 2026

Near-Term Risk Remains Low, Analyst Says

Abhi Srivastava, associate vice president at Moody’s Investors Service Digital Economy Group, said that the threat stablecoins pose to traditional banks is limited at this point in the adoption cycle.

The US already has payment systems that are fast, low-cost, and trusted, he said, which reduces the appeal of stablecoin-based alternatives for everyday transactions.

According to Srivastava, the current legal prohibition on stablecoins paying yield is a key reason they are unlikely to pull deposits away from banks at any meaningful scale in the near

A bill meant to bring order to the US crypto market is stuck in Congress, caught between two powe

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A push to delay the Senate markup of the CLARITY Act to May has emerged as disputes over stablecoin yield continue to stall progress. Summary Senator Thom Tillis has urged a delay of the CLARITY Act m

A push to delay the Senate markup of the CLARITY Act to May has emerged as disputes over stablecoin yield continue to stall progress. Summary Senator Thom Tillis has urged a delay of the CLARITY Act markup to May as talks over stablecoin yield remain unresolved. Banking groups warn that yield-bearing stablecoins could pull deposits from community banks and raise funding costs. Crypto firms and advocacy groups are pushing lawmakers to move the bill forward despite ongoing disagreements. According to Punchbowl News, US Senator Thom Tillis has advised Senate Banking Chair Tim Scott to skip an April markup of the crypto market structure bill, citing the need for more time to resolve differences between banking and crypto stakeholders. Tillis, who has been leading talks between the two sides, made clear he is not in favor of rushing the process. "It's very important to me not to accelerate things, to hear everybody, and give them a rational basis for what we do accept," he said. Stablecoin yield remains the key hurdle Ongoing disagreement over stablecoin yield has kept the legislation from moving forward. Banking groups have warned that allowing yield on stablecoins could draw deposits away from traditional banks, with community lenders seen as the most exposed due to limited balance sheet flexibility and reliance on higher-cost funding if outflows rise. You might also like: Arbitrum locks $71M in ETH linked to Kelp DAO exploit Crypto firms have continued to press for more flexible rules. Recent discussions pointed to a possible middle ground that would allow rewards tied to crypto activity on third-party platforms, while excluding passive returns on idle holdings. Calls to move ahead have grown louder despite the lack of full agreement. The Digital Chamber sent a letter to the Senate Banking

A push to delay the Senate markup of the CLARITY A

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Bitcoin Up 2 Weeks: Beginning or End?HTX DAO's First Hackathon Launches!HTX Community April Creation ContestA group of 12 European banks led by Qivalis has chosen Fireblocks to provide infrastructure 

A group of 12 European banks led by Qivalis has chosen Fireblocks to provide infrastructure for a MiCA-compliant euro stablecoin.  Summary Qivalis and 12 European banks are building a MiCA-compliant euro stablecoin with Fireblocks infrastructure support. The euro token will target institutional settlement, treasury, and tokenized asset use across Europe. European banks are pushing local stablecoins as dollar-backed tokens continue dominating the global market. The project is targeting a launch in the second half of 2026, pending approval from De Nederlandsche Bank under the European Union’s Markets in Crypto-Assets Regulation framework. Qivalis said the token will be fully regulated and backed 1:1 with euros. The company plans to structure the product as an electronic money institution under Dutch supervision. The group includes bank-backed support from firms such as BBVA, BNP Paribas, ING, and UniCredit. You might also like: Bitcoin price breaks above $76K ahead of potential U.S.-Iran deal Fireblocks to provide core stablecoin infrastructure Fireblocks will supply the tokenization system, wallet infrastructure, and lifecycle management tools for the project. The platform will also support compliance functions such as identity verification and sanctions screening, which are central to regulated digital asset products in Europe. A Fireblocks spokesperson said the project is being built as a ”regulated euro-native settlement instrument” for European institutions. The spokesperson added that the platform is designed to support issuance, custody, treasury management, and payment orchestration across several banking use cases. Moreover, the planned stablecoin is intended for institutional uses such as settlement, treasury operations, and tokenized assets. The banks involved are aiming to provide a euro-denominated digital payment tool that can work across mul

A group of 12 European banks led by Qivalis has ch

The U.S. CLARITY Act, a groundbreaking bill aiming to create a federal framework for stablecoins, has encountered a major legislative obstacle, with its review by the Senate Banking Committee now sche

Stalled Progress: Banking Lobbyists Force Delay of CLARITY Act Stablecoin Bill - EconoTimes

Bitcoin Up 2 Weeks: Beginning or End?HTX DAO's First Hackathon Launches!Post To Earn BonusMultichainz Integrates CHAINZ Token On Fjord Foundry’s Launchpad To Drive RWA Lending Opportunities To Web3 Co

Multichainz Integrates CHAINZ Token On Fjord Foundry’s Launchpad To Drive RWA Lending Opportunities To Web3 Communities



As part of efforts to advance its network accessibility to Web3 communities, Multichainz, an omnichain credit protocol, today announced the launch of its native token (CHAINZ) on Fjord Foundry, a decentralized launchpad platform. According to the announcement shared today on the X platform, Multichainz embraced this strategic integration to combine with Fjord Foundry’s large-scale community-oriented launchpad platform, aiming to position its token in front of Web3 users to drive adoption and utility of its cross-chain RWA lending protocol.

Multichainz is an omnichain credit platform that allows crypto users to borrow against yield-bearing real-world assets (RWAs). By connecting borrowers and lenders together through its interoperability platform that supports multiple chains and enables seamless cross-chain transactions, Multichainz bridges DeFi and TradFi and unlocks seamless access to multi-chain liquidity while maintaining exposure to real-world yields.

🚨 $CHAINZ IS OFFICIALLY LIVE ON @FjordFoundry.

Agentic omnichain credit for RWAs and DeFi is officially in motion.

This is your early entry window. Don't miss it!
https://t.co/sXp6JYC6si pic.twitter.com/gpMQnGjNyM

— MultichainZ (@MultichainZ_) April 20, 2026

Multichainz Taps Foundry’s Launchpad Ecosystem To Drive Growth

The strategic alliance enabled Multichainz to launch its native token (CHAINZ) on Fjord Foundry’s launchpad to bring its omnichain lending protocol closer to the Web3 masses. Fjord Foundry is a decentralized launchpad platform recognized for its expertise in launching crypto projects and connecting them to target users and potential customers. Fjord is supported on various blockchain networks, including Optimism, Avalanche, Polygon, Arbitrum, BNBChain, Solana, Base, and Ether

Multichainz Integrates CHAINZ Token On Fjord Found

On April 21, Aave officially updated the latest progress on the rsETH hacking incident: the WETH reserves in the Ethereum Core V3 market have been unfrozen, and users can once again supply WETH to Eth

Aave: WETH Reserves in Ethereum Core V3 Market Unfrozen

Claim1,200 USDT in the Monthly Creation ChallengePost To Earn BonusHTX Community Spring Creation ContestNetwork co-founder Nicolas Kokkalis is set to speak at Consensus 2026 in Miami on May 7, joining

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Network co-founder Nicolas Kokkalis is set to speak at Consensus 2026 in Miami on May 7, joining a panel titled “How to Prove You’re Human in an AI World Without Doxing Yourself” at the Convergence Stage from 10:15 to 10:45 AM EDT.

The session addresses what Pi’s core team describes as one of the most urgent problems facing the internet: verifying real human identity online as AI systems become capable of generating convincing fake profiles and bot interactions at scale. The challenge is doing that without requiring users to expose private identity data in the process.

The Consensus appearance arrives at a moment when Pi’s development momentum

Pi Network News: Founder at Consensus 2026 as Proj

Bitcoin Up 2 Weeks: Beginning or End?HTX DAO's First Hackathon Launches!Daily 5K USDT Airdrop - Join & Win!Once I was sitting with a friend I hadn’t seen in 6 years. He asks me, “do you make money lik

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