The GENIUS Act Is Already Law. Banks Shouldn't Try to Rewrite It Now
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最新报道：Major financial institutions are lobbying Congress to amend the bipartisan GENIUS Act, arguing that stablecoin growth threatens bank profits and could cause up to $6.6 trillion in deposit outflows. However, a 2025 analysis found no significant link between stablecoin adoption and bank deposit losses, with most stablecoin reserves remaining within the traditional financial system. Critics warn that repealing key provisions would fragment regulation and stifle innovation, urging banks to embrace competition rather than resist it. The GENIUS Act maintains strong consumer protections while positioning the U.S. as a leader in digital finance.
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