The post Finish the job on digital asset market structure appeared on BitcoinEthereumNews.com.

In Washington, the safest vote is often no vote at all, and the most convenient timeline is “next session.” But when it comes to the future of banking, financial markets and financial services, inaction is unacceptable. The United States needs crypto regulatory clarity to compete and succeed in the digitally networked financial system of the 21st Century. The Senate is today at a crossroads on market structure legislation—policy designed to bring order to digital asset innovation, an increasingly important component of global finance. Failing to codify the “rules of the road” doesn’t just stall crypto; it invites regulatory chaos that harms banks and consumers alike, saps economic dynamism and forces innovation to drift offshore. Congress must choose whether America leads the next generation of finance or watches from the sidelines. The current stalemate centers on a perceived conflict between banks and crypto platforms regarding interest yield and rewards on stablecoins—an issue already addressed by the GENIUS Act, signed into law by President Trump last year. The law permits crypto companies to offer rewards and incentives to customers for holding and using stablecoins made available by separate providers. Banks counter that such reward structures closely resemble traditional bank savings and checking products and, if left unchecked, could shift customer balances away from insured deposits without the same prudential requirements. Framed this way, the disagreement carries more weight than it should. Yield and rewards are questions of design within a payments framework, not questions of systemic safety or financial stability. Treating them as existential risks has delayed an otherwise straightforward resolution, stalling progress on crucial market structure issues. If one looks past talking points, a workable compromise is already available. Congress can explicitly enable federally regulated banks—including community banks—to offer yield on payment stablecoins. Banks gain a clear, federally sanctioned revenue and…

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Filed under: News - @ February 19, 2026 7:24 pm