2026-01-15 11:41:37

#数字资产市场动态 ## Stablecoin Storm: Banking Industry Anxiety and the Shifting Financial Landscape

The US banking sector has issued a stern warning — if interest-bearing stablecoins are not regulated, the banking system could face up to 30% deposit withdrawals. This is not just a commercial competition; it’s a battle over the system itself.

**How opposing are the positions of the three parties?**

Banks have made their stance clear: they want to use the existing regulatory framework to protect their business and incorporate stablecoins into current rules. Their ideal solution is to require stablecoin issuers to fulfill reserve obligations like banks and subject them to the same level of regulation.

What about the crypto camp? They emphasize innovation and efficiency. They insist that a stablecoin system based on blockchain and transparent reserves is the truly open and efficient financial infrastructure. Restrictions on interest? That’s equivalent to stifling market competition and depriving users of choices.

**Regulators are caught in the middle and face the toughest challenge.**

They must protect financial stability, safeguard consumers, leave room for innovation, and prevent the banking system from collapsing — these goals are often in conflict. The current provisions of the CLARITY Act reflect this dilemma: it neither outright bans stablecoins nor allows them to freely disrupt traditional banks. Instead, it aims to "guide" the use of stablecoins toward socially meaningful directions in the eyes of regulators — such as supporting crypto economic activities rather than turning into tools for financial arbitrage.

**The true face of this battle**

From small skirmishes on exchanges and Wall Street to a major showdown on Capitol Hill. This is no longer a fringe issue; it’s a critical battle that could influence the flow of trillions of dollars.

Next, we’ll see whether the bill can finally pass, what specific provisions it will include, whether banks will launch their own digital asset products (like tokenized deposits) to counter, and whether crypto projects can still attract large-scale funding under the new "activity-based rewards" model.

Whichever side wins, the outcome of this contest will profoundly reshape the future of global finance over the next decade.

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

9 Likes

Reward
9
4
Repost
Share

Comment

0/400

CryptoSurvivor

· 4h ago

30% deposit loss? Who are banks scaring? Users are not fools; if there are better returns, why stay with traditional banks? --- The clarity act really puts us in a dilemma. Can't ban innovation but also need to protect vested interests. In the end, no one is satisfied. --- This time, it all depends on who has stronger lobbying power. The money on Capitol Hill is much more than in exchanges. --- If tokenized deposits come, banks will have to step up their game. It’s actually good for users. --- Basically, it’s still about money. Whoever can make regulators money wins. --- I predict there will be big news within half a year. This deadlock can't last much longer. --- Transparent reserves are indeed more conscientious than traditional banks. This is an advantage that can’t be changed. --- Again, arbitrage tools vs. innovative infrastructure. These two arguments could clash for a year. --- It feels like the financial landscape is really changing. Looking back ten years from now, this will be the watershed moment. --- Waiting to see what tricks banks will pull out; they probably won’t just sit and wait to be defeated.

View OriginalReply0

ApeDegen

· 4h ago

Banks are afraid of what? Honestly, they’re just afraid of losing pricing power. A 30% deposit outflow? That’s because your interest rates are too stingy, not the stablecoin’s fault. --- The Clarity Act is just a compromise, anyway no one’s satisfied, I’ll just watch. --- Wait, banks are also going to tokenize deposits? Now this is really interesting, traditional finance is starting to learn our tricks. --- At the end of the day, it’s all about money. Whoever provides the returns wins, it’s that simple. --- Stop talking so much. Whether the bill passes or not depends on the market reaction; on-chain data is the real truth.

View OriginalReply0

FantasyGuardian

· 4h ago

Banks are scared, with a 30% deposit loss being so alarming, which shows that stablecoins really hit a nerve. The CLARITY Act is just a compromise, no one can expect to win, and everyone can survive. The key still depends on the specific terms that follow; tokenized deposits as a countermeasure are quite interesting. Honestly, this round of game theory is just for retail investors to watch the show; the real beneficiaries are those big players. Traditional finance still wants to keep innovation in a cage, and they've already found all the excuses.

View OriginalReply0

NewPumpamentals

· 4h ago

Bank panic like this clearly shows that stablecoins have hit a nerve. Is the 30% loss just to scare regulators or is it real data? Anyway, I don’t believe the traditional financial narrative anymore. --- The Clarity Act is basically trying to lock stablecoins in a cage. Honestly, they just don’t want us to have real choices. --- Wait, are banks pushing tokenized deposits to fight back? That’s just being forced into the game. What does that imply? --- NGL, this is a power struggle. Users caught in the middle are the most miserable—end up with nothing and double losses. --- Looking back ten years from now, this war will definitely be a turning point in financial history. Those who went all-in on stablecoins will be the prophets in a few years.

View OriginalReply0