最新报道:The GENIUS Act establishes a federal stablecoin framework requiring full collateralization and transparent reserves, while prohibiting direct yield payments. Banks are pushing back over a loophole allowing crypto exchanges to offer yield on third-party stablecoins like USDC and USDT, potentially triggering deposit flight. However, banks could issue their own non-interest stablecoins to modernize payments and strengthen balance sheets. Community banks stand to benefit most by leveraging stablecoins for faster, cheaper international transactions and enhanced competitiveness.