clarityact

🏛️ Was ist dieses Gesetzesvorhaben?

Das sogenannte Gesetz zur Struktur des Kryptomarktes (manchmal verbunden mit dem Digital Commodity Intermediaries Act oder Teil des Gesetzgebungsverfahrens im CLARITY Act) ist eine Gesetzesinitiative im Senat der Vereinigten Staaten, die darauf abzielt:

Einen
klaren bundesstaatlichen Regulierungsrahmen
für die Kryptowährungsmärkte.
Zu definieren

wer welchen Markt reguliert

(zum Beispiel, ob die

Commodity Futures Trading Commission – CFTC

oder die

Securities and Exchange Commission – SEC

die Autorität über verschiedene Vermögenswerte hat)

In early February 2026, cryptocurrency firms proposed significant concessions to the banking industry in a high-stakes effort to break a legislative deadlock over the CLARITY Act, a key digital asset market structure bill. The move comes after a series of White House-led meetings, including a critical summit on February 2, 2026, failed to resolve deep-seated disputes over stablecoin rewards.
The Proposed Concessions
To address banking industry fears of "disintermediation" (where customers move deposits from banks to crypto platforms), several crypto firms have suggested new compromises:
Direct Bank Participation: Some proposals would allow banks to issue their own stablecoins through partnerships with crypto firms.
Reserve Management: Crypto firms have offered to let community banks hold a significant portion of the reserves backing stablecoins, providing these banks with new revenue opportunities.
Revenue Sharing: New ideas include requiring stablecoin issuers to hold specific percentages of their tokens at community banks to maintain local liquidity.
The "Yield vs. Rewards" Impasse
The primary roadblock remains a disagreement over whether crypto exchanges like Coinbase can offer users "rewards" for holding stablecoins.
The Banking Position: Banks argue that these rewards function as interest, which the GENIUS Act (passed in July 2025) prohibits for stablecoin issuers. They fear this creates an uneven playing field that could drain deposits from traditional bank accounts.
The Crypto Position: Industry leaders contend that rewards are essential for competitiveness in the payments space and are distinct from the interest payments banned by the GENIUS Act.
Current Legislative Status (February 2026)
The CLARITY Act has already passed the House but remains stalled in the Senate Banking Committee.
White House Deadline: Administration officials have reportedly directed both parties to reach a substantive compromise on yield-related language by the end of February 2026.
Senate Outlook: Senate Banking Chairman Tim Scott (R-SC) expressed optimism on February 4, 2026, stating that a compromise would help keep financial innovation within the United States. However, a closed-door meeting of Senate Democrats on the same day showed progress but ended without a final agreement.

#CryptoBill #Stablecoins #CLARITYAct #DigitalAssets #TrumpProCrypto

The US government (White House + lawmakers) is trying to make clear new rules for crypto — it's called the
CLARITY Act.
This law will decide many things, like:

Which government office watches what parts of crypto (less confusion, no more "wild west").

How stablecoins (like USDC or USDT — digital dollars that stay ~$1) should work.

The biggest fight right now is about "yield" or "rewards" on stablecoins:

.Crypto companies (like Coinbase, Circle, Ripple) want to give people a little extra money (like 4-5% interest/rewards) if they hold stablecoins on their apps/platforms.

.→ They say: "This is good! It helps people earn something on their digital cash + brings more innovation."

.Traditional banks say: "No way!"

.→ They think if stablecoins pay good interest, people will move money OUT of normal bank accounts → banks get less money to lend → it hurts regular people getting loans, small businesses, etc.

.→ Banks are scared they could lose a LOT of deposits.

So there was a special meeting at the White House on Feb 2, 2026 with big crypto bosses + big bank groups.
They talked for hours to try and find a middle way (compromise) so the law can finally pass.

.No full deal yet... but everyone says talks were "positive" and they're pushing hard to fix this by end of February.

.The government really wants this law done soon because other countries (Europe, Asia) already have clearer crypto rules — USA doesn't want to fall behind.

Bottom line in super simple words:

Crypto world vs Banks are arguing over whether your stablecoins should earn you a little extra cash or not.

White House called a meeting to help them agree.

If they fix it → big step for real crypto rules in USA → good for Bitcoin, altcoins, adoption, prices long-term.

If not → more delay and uncertainty.

c
#StablecoinSafety
#CLARITYAct
#MarketCorrection
#US
#BinanceAlphaAlert
$BIRB
$BULLA
$arc