{"id":63987,"date":"2026-02-20T12:00:42","date_gmt":"2026-02-20T09:00:42","guid":{"rendered":"https:\/\/coinengineer.net\/blog\/?p=63987"},"modified":"2026-02-20T09:14:21","modified_gmt":"2026-02-20T06:14:21","slug":"tensions-over-stablecoin-continue-at-the-white-house","status":"publish","type":"post","link":"https:\/\/coinengineer.net\/blog\/tensions-over-stablecoin-continue-at-the-white-house\/","title":{"rendered":"Tensions Over Stablecoin Continue at the White House!"},"content":{"rendered":"<p data-start=\"68\" data-end=\"521\">Debate over the future of U.S. crypto regulation continues to intensify as lawmakers work toward a comprehensive market structure bill. In recent weeks, representatives from the crypto industry and the banking sector have convened at the <a href=\"https:\/\/coinengineer.net\/blog\/white-house-post-sends-token-price-up-564\/\"><strong>White House<\/strong><\/a> for a third round of discussions. This latest meeting focused squarely on one of the most contentious issues in the draft legislation: how <strong>stablecoin<\/strong> rewards should be structured and potentially limited.<\/p>\n<p data-start=\"523\" data-end=\"745\">As the Senate seeks to advance a bill defining regulatory oversight of digital assets, provisions related to stablecoins have emerged as a primary sticking point between traditional financial institutions and crypto firms.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/coinengineer.net\/blog\/tensions-over-stablecoin-continue-at-the-white-house\/#Transaction-Based_Rewards_Instead_of_Balance_Yield\" title=\"Transaction-Based Rewards Instead of Balance Yield\">Transaction-Based Rewards Instead of Balance Yield<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/coinengineer.net\/blog\/tensions-over-stablecoin-continue-at-the-white-house\/#Banking_Sector_Concerns_Competition_Over_Deposits\" title=\"Banking Sector Concerns: Competition Over Deposits\">Banking Sector Concerns: Competition Over Deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/coinengineer.net\/blog\/tensions-over-stablecoin-continue-at-the-white-house\/#Legislative_Path_Remains_Uncertain\" title=\"Legislative Path Remains Uncertain\">Legislative Path Remains Uncertain<\/a><\/li><\/ul><\/nav><\/div>\n<h2 data-start=\"747\" data-end=\"800\"><span class=\"ez-toc-section\" id=\"Transaction-Based_Rewards_Instead_of_Balance_Yield\"><\/span>Transaction-Based Rewards Instead of Balance Yield<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"802\" data-end=\"1120\">A key proposal discussed during the meeting would allow third-party platforms \u2014 such as crypto exchanges \u2014 to offer stablecoin rewards tied exclusively to transaction activity rather than to idle account balances. Under this framework, users could earn incentives based on usage, but not on simply holding stablecoins.<\/p>\n<p data-start=\"1122\" data-end=\"1542\">This distinction is significant. Banking groups have strongly objected to models that resemble interest payments on deposited funds, arguing that such structures could blur the line between stablecoins and bank deposits. According to participants in the discussions, the concept of earning yield on passive balances is now largely off the table, narrowing negotiations to whether activity-based rewards can be permitted.<\/p>\n<p data-start=\"1544\" data-end=\"1735\">While no final agreement was reached, attendees described the tone as constructive, with detailed examination of legislative language. Discussions are expected to continue in the coming days.<\/p>\n<p data-start=\"1544\" data-end=\"1735\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-177068 aligncenter\" src=\"https:\/\/coinmuhendisi.com\/blog\/wp-content\/uploads\/2025\/10\/stablecoin-usdt-usdc-dai.jpg\" alt=\"\" width=\"1200\" height=\"675\" \/><\/p>\n<h2 data-start=\"1737\" data-end=\"1790\"><span class=\"ez-toc-section\" id=\"Banking_Sector_Concerns_Competition_Over_Deposits\"><\/span>Banking Sector Concerns: Competition Over Deposits<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1792\" data-end=\"2115\">Banking organizations including the Bank Policy Institute, the American Bankers Association, and the Independent Community Bankers of America have been involved in the talks. Although these groups have not publicly commented on the most recent meeting, their concerns center on the competitive impact of stablecoin rewards.<\/p>\n<p data-start=\"2117\" data-end=\"2450\">The U.S. Treasury estimated in April that widespread stablecoin adoption could potentially lead to as much as $6.6 trillion in deposit outflows from the banking system. However, at least one banking representative reportedly suggested that competitive pressures \u2014 rather than immediate deposit flight \u2014 are the more pressing concern.<\/p>\n<h2 data-start=\"2452\" data-end=\"2489\"><span class=\"ez-toc-section\" id=\"Legislative_Path_Remains_Uncertain\"><\/span>Legislative Path Remains Uncertain<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2491\" data-end=\"2748\">This marks the third meeting between the parties following earlier sessions in early February. While the House previously passed a related bill known as the CLARITY Act, the Senate has yet to secure sufficient bipartisan support to move its version forward.<\/p>\n<p data-start=\"2750\" data-end=\"2928\" data-is-last-node=\"\" data-is-only-node=\"\">With negotiations ongoing, the final treatment of stablecoin rewards may play a decisive role in shaping the broader regulatory framework for digital assets in the United States.<\/p>\n<p data-start=\"2750\" data-end=\"2928\" data-is-last-node=\"\" data-is-only-node=\"\"><em class=\"darkmysite_style_txt_border darkmysite_processed\" data-darkmysite_alpha_bg=\"rgba(0, 0, 0, 0)\">You can also freely share your thoughts and comments about the topic in the comment section. Additionally, don\u2019t forget to follow us on our\u00a0<a class=\"darkmysite_style_txt_border darkmysite_style_link darkmysite_processed\" href=\"https:\/\/t.me\/coinengineernews\" target=\"_blank\" rel=\"noreferrer noopener\" data-darkmysite_alpha_bg=\"rgba(0, 0, 0, 0)\">Telegram,\u00a0<\/a><a class=\"darkmysite_style_txt_border darkmysite_style_link darkmysite_processed\" href=\"https:\/\/www.youtube.com\/@CoinEngineer\" target=\"_blank\" rel=\"noreferrer noopener\" data-darkmysite_alpha_bg=\"rgba(0, 0, 0, 0)\">YouTube<\/a>,\u00a0and\u00a0<a class=\"darkmysite_style_txt_border darkmysite_style_link darkmysite_processed\" href=\"https:\/\/twitter.com\/coinengineers\" data-darkmysite_alpha_bg=\"rgba(0, 0, 0, 0)\">Twitter<\/a>\u00a0channels for the latest news and updates.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Debate over the future of U.S. crypto regulation continues to intensify as lawmakers work toward a comprehensive market structure bill. In recent weeks, representatives from the crypto industry and the banking sector have convened at the White House for a third round of discussions. This latest meeting focused squarely on one of the most contentious<\/p>\n","protected":false},"author":29,"featured_media":38352,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9,2],"tags":[17173,393,20279,488,6017],"class_list":["post-63987","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crypto-news","category-news","tag-clarity-act","tag-crypto","tag-reward","tag-stablecoin","tag-white-house"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tensions Over Stablecoin Continue at the White House! - Coin Engineer<\/title>\n<meta name=\"description\" content=\"The focus of the recent meeting at the White House was on how to limit the reward and yield models offered to stablecoin users.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/coinengineer.net\/blog\/tensions-over-stablecoin-continue-at-the-white-house\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tensions Over Stablecoin Continue at the White House! 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