在白宫相关博弈中，银行对稳定币监管立场趋于强硬，关键加密货币法案仍搁置不前

Core Viewpoint - The U.S. banking industry is taking a stronger stance against the cryptocurrency sector, leading to a stalemate in important legislative progress in Congress regarding digital assets [1][4]. Group 1: Legislative Developments - The banking sector submitted a document during a closed-door meeting hosted by the White House's cryptocurrency committee, advocating for a ban on institutions paying interest on stablecoin balances [1][4]. - This document has become the basis for discussions on the stalled "2025 Digital Asset Market Clarity Act," which was originally hoped to be passed before the midterm elections [1][4]. - The document states that no entity should provide any form of financial or non-financial consideration to holders of payment stablecoins [2][5]. Group 2: Implications for the Banking Sector - The proposed ban on interest payments on stablecoin balances is seen as a survival threat to the banking industry, particularly impacting mid-sized and community banks, which could weaken their lending capabilities to the real economy [2][5]. - The document warns that allowing interest on stablecoins could lead to deposit outflows, thereby undermining credit availability for the general public [2][5]. Group 3: Industry Reactions - The American Bankers Association and other banking organizations have called for policies that embrace financial innovation without compromising financial stability and local credit support [2][5]. - Executives from cryptocurrency advocacy groups described the discussions as constructive, indicating a willingness to address unresolved issues [2][5]. Group 4: Broader Context - The conflict over stablecoin policies is not the only issue raised by the banking sector regarding cryptocurrencies; there are ongoing efforts to lower the barriers for the crypto industry to apply for banking licenses and accounts within the Federal Reserve payment system [3][6]. - U.S. Treasury Secretary Scott Bentsen emphasized the necessity of passing the "2025 Digital Asset Market Clarity Act" for the continued vitality and development of crypto assets [3][6]. - The Senate Banking Committee has postponed hearings on the stalled bill twice since January, with the latest delay occurring after a key compromise was rejected by Coinbase's CEO [3][6].