๐จ NEXT WEEK COULD SHAPE THE FUTURE OF CRYPTO RULES $PEPE $PENGU $BTC
On February 10, a crucial meeting on stablecoins and a broader crypto market structure bill will take place at the White House.
Lawmakers have set a goal by the end of February to resolve disputes, as the entire bill is currently one of the main topics.
MAIN NUMBER: STABLECOIN IS BACK
The fundamental debate is simple:
Should stablecoin users be allowed to earn returns?
This question carries huge implications.
Traditional banks are strongly opposed to this. Crypto companies strongly support it.
And this single disagreement has slowed down the most significant crypto regulations that the United States has attempted so far.
WHY BANKS ARE CONCERNED
Banks argue that stablecoins offering returns could slowly siphon money out of the banking system.
Their reasoning is based on basic numbers:
โข Savings accounts pay about 0.3%โ0.4% โข Checking accounts pay close to 0% โข Stablecoins can offer around 3%โ4% incentives
If stablecoins grow along with these returns, banks fear that large amounts of deposits could gradually
Some banking groups have warned that long-term risk could reach trillions in shifted funds.
WHY CRYPTO COMPANIES HOLD THEIR GROUND
Crypto platforms see yield features as a key part of their ecosystem.
Several companies have made their position clear:
If returns are fully restricted, they would prefer to not offer an account at all rather than a system they believe favors banks instead.
This disagreement has become so intense.
WHAT HAS HAPPENED SO FAR
A broader market structure plan has been building for months:
โข The House passed the TRANSPARENCY bill in July 2025 with strong bipartisan support โข Senate committees started preparing their own versions โข Progress has slowed as the debate over stablecoin returns
Since then:
โข Reviews have been postponed โข Draft versions have been changed multiple times.
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