# Bài viết Liên quan Loophole

Trung tâm Tin tức HTX cung cấp những bài viết mới nhất và phân tích chuyên sâu về "Loophole", bao gồm xu hướng thị trường, cập nhật dự án, phát triển công nghệ và chính sách quản lý trong ngành tiền kỹ thuật số.

BIS Warns Crypto Self-Custody Could Become New AML Loophole

A new BIS paper warns that self-custodied crypto wallets could become a significant loophole in anti-money laundering (AML) enforcement if regulatory gaps are not addressed. The report highlights that as regulated payment channels face stricter rules, illicit financial flows may shift towards self-hosted wallets, which operate without intermediaries and thus avoid customer due diligence, transaction monitoring, and suspicious activity reporting. The paper argues that these wallets may be more attractive for illegal activities than cash due to their digital ease of transfer, cross-border efficiency, and lack of physical constraints. This creates a “waterbed effect,” where tightening one area of regulation simply displaces risk to another. Using the EU as a case study, the authors note that while hosted crypto services are now integrated into AML frameworks, self-custody wallets remain largely outside direct oversight. The absence of transaction limits, unlike the €10,000 cap on cash, could incentivize malicious actors to migrate to self-hosted crypto assets, thereby undermining overall AML efforts.

bitcoinist03/11 05:32

BIS Warns Crypto Self-Custody Could Become New AML Loophole

bitcoinist03/11 05:32

Will The GENIUS Act Shift $6.6T From US Banks? Critics Warn Stablecoin ‘Loophole’ Could Damage Small Businesses, Mortgages and More

A coalition of banking groups warns that a perceived "loophole" in the GENIUS Act could put up to $6.6 trillion in U.S. bank deposits at risk, potentially undermining community lending that supports small businesses, homebuyers, and local economies. The dispute centers on the Act’s ban on stablecoin issuers paying interest or yield directly to holders, which was intended to prevent stablecoins from competing with bank deposits. However, critics argue that some issuers are circumventing this by indirectly funding rewards through exchanges and partners. Banking associations, including the Bank Policy Institute, urge lawmakers to clarify that all forms of inducements—direct or indirect—should be prohibited. They warn that without this, stablecoins could incentivize customers to move savings out of banks, jeopardizing traditional lending. Crypto advocates and industry groups strongly reject these concerns, calling them a "last-ditch effort" by big banks to block competition. They argue there is little evidence that stablecoins threaten the banking system and that rewards benefit everyday users. Pro-crypto figures also warn that tightening the law could have geopolitical consequences, potentially pushing users toward foreign alternatives like China’s Digital Yuan. The stablecoin market, led by Tether’s USDT and Circle’s USDC, has grown to nearly $318 billion, partly driven by reward programs. Banking groups view these incentives as blurring the line between payment tools and deposit-like products, while crypto advocates see them as legitimate competitive features. If lawmakers restrict these rewards, the sector’s growth could slow significantly.

ccn.com01/08 10:55

Will The GENIUS Act Shift $6.6T From US Banks? Critics Warn Stablecoin ‘Loophole’ Could Damage Small Businesses, Mortgages and More

ccn.com01/08 10:55

The GENIUS Act can drain $6.6T from U.S. banks – THIS is how

The GENIUS Act of 2025 has drawn sharp criticism from major U.S. banks, warning it could drain $6.6 trillion from the banking system due to a regulatory loophole. Banking groups, including the Bank Policy Institute, argue that the act prohibits stablecoin issuers from paying interest but allows crypto affiliate companies to offer high yields, effectively acting as shadow banks. This could trigger massive migration of deposits away from traditional banks, potentially restricting credit access for mortgages and business loans. Critics like Rep. Marjorie Taylor Greene also opposed the act, fearing it enables a central bank digital currency (CBDC). As the stablecoin market grows—now valued at $317.8 billion—the yield loophole drives adoption. Closing it may reduce stablecoins’ appeal as high-return investments and revert them to payment tools, posing a critical question: whether Congress will act to eliminate this risk or allow crypto shadow banking to persist.

ambcrypto01/08 07:06

The GENIUS Act can drain $6.6T from U.S. banks – THIS is how

ambcrypto01/08 07:06

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