担心6.6万亿美元存款外流，美国银行业游说阻止稳定币付息规则

Core Viewpoint - The new stablecoin regulations in the U.S. may create regulatory loopholes that could lead to significant capital outflows from the banking system, potentially amounting to trillions of dollars [1][2]. Group 1: Regulatory Concerns - Banking lobby groups have warned lawmakers about regulatory "loopholes" in the new stablecoin regulations, which could allow users to earn interest on funds held in crypto platforms while banks are restricted from doing so [1][2]. - The recently passed "Genius Act" aims to regulate the $288 billion global stablecoin market but prohibits issuers from paying interest to customers, creating an uneven playing field between banks and crypto platforms [2]. Group 2: Potential Economic Impact - The banking industry estimates that stablecoins could siphon off approximately $6.6 trillion in deposits from banks, which could weaken lending capabilities and impact the overall economy [2]. - Experts warn that a mass migration of deposits could lead to higher interest rates and increased borrowing costs for businesses and households [3]. Group 3: Crypto Industry Response - The crypto sector has pushed back against banks' claims, arguing that banks are attempting to stifle competition by preventing exchanges from offering interest on stablecoin holdings [4]. - Crypto advocates assert that enforcing banks' demands would favor large traditional banks, which often do not provide attractive yields to consumers, thus limiting consumer choice [4].