stablecoinrevolution

$BTC $ETH $XRP
​After weeks of whispers in Washington, I have finally analyzed the latest draft of the Digital Asset Market Structure Bill (January 2026), and the findings are a wake-up call for every crypto investor.
​If you think your stablecoin "rewards" are safe, think again. The government is moving to close what they call the "yield loophole," and it could happen as early as this quarter.
​1. The Death of the "Passive Yield"
​My research into the draft text reveals a surgical strike against Passive Income. Section 404 of the proposal explicitly prohibits digital asset service providers from paying interest or yield "solely in connection with the holding" of a payment stablecoin.
​What this means for you:
The days of "park and earn"—where you leave USDT or USDC on an exchange and collect 5% to 10% for doing nothing—are officially under threat. The Senate's goal is to treat stablecoins like cash in a wallet, not like a high-yield savings account.
​2. The "Activity" Loophole: How to Stay Ahead
​However, my analysis shows a critical "carve-out" that smart traders will exploit. The bill allows rewards IF they are tied to specific actions. This includes
​Active Staking: Incentives for securing a network.​Liquidity Provision: Rewards for providing depth to DeFi pools.​Transaction-Based Incentives: Rewards for actually using your stablecoins for payments.
​This is a massive shift from Passive to Active earning. If you want to keep making money, you will have to move your funds from centralized exchanges to decentralized protocols (DeFi).
​3. Why the Banks are Behind This
​Following the "GENIUS Act" passed last year, traditional banks have been lobbying hard. My investigation suggests that banks are terrified of "Deposit Flight." They cannot compete with 8% crypto yields while they offer 0.5% on savings accounts. By banning stablecoin interest, the Senate is essentially protecting the legacy banking system from crypto competition.
​My 3-Step Strategy for This Week:
​To profit from this regulatory shift before the masses catch on, here is what I am doing:
​Front-run the DeFi Migration: As centralized exchange (CEX) rewards are capped, capital will flood into Decentralized Exchanges (DEXs). I am watching tokens like AAVE, Uniswap, and Curve very closely.​Short the "Yield-Dependent" Platforms: Platforms that rely heavily on attracting users with high stablecoin interest will see their TVL (Total Value Locked) tank. Be cautious of holding their native utility tokens.​The Bitcoin Rotation: Historically, when the government attacks stablecoins, capital rotates into Bitcoin—the ultimate "non-stable" safe haven.
​Final Thought
​Regulation isn't the end of crypto; it's the end of the "Easy Mode." The winners this week will be those who move their assets into compliant, activity-based rewards before the draft becomes law.
#MarketRebound #BTC100kNext? #Altcoins! #StablecoinRevolution #Write2Earn!

"I just finished reading the new Senate Market Draft so you don't have to. The news for stablecoin holders is not good. Here's my full breakdown."

According to Cointelegraph, a group of seventy economists and policy experts has addressed the members of the European Parliament (MEP) with a request to support the digital euro, aimed at serving the interests of citizens. They argue that such action is necessary to preserve Europe's monetary sovereignty and ensure access to central bank money in an economy increasingly moving away from cash. The open letter, titled "Digital Euro: Let Citizens' Interests Prevail!", published on Sunday, warns that without a strong public option, private stablecoins and foreign giants in the payments sector could further dominate the digital payments market in Europe.

#HotTrends I #StablecoinRevolution I #USJobsData I #CPI数据 I #BTC走势分析

The traditional payment system advances and transforms toward digital money platforms.
Bloomberg Intelligence projections anticipate that the volume of payments using these cryptocurrencies will exceed 56.6 trillion dollars by 2030, a magnitude that would place them on par with interbank clearing and national settlement systems in the United States. If these calculations are realized, the sector would experience an annual growth rate close to 80% in the coming years, consolidating stablecoins as a cornerstone of the digital economy.

USDC surpassed USDT in activity
2025 marked a turning point for stablecoins. Support for crypto policy and institutional adoption drove exponential growth in the sector, with a remarkable shift toward real-world usage.
🔸 The total transaction volume of stablecoins increased by 72% compared to the previous year, reaching an impressive 33 trillion dollars in 2025.

The cryptocurrency market has just received its first major liquidity injection this year. Tether has officially restarted its money printing press, signaling new demand entering the ecosystem.
🔸 According to blockchain data, Tether issued 1 billion USDT on the Tron network.
🔸 This is the first event of the 2026 release for the stablecoin giant. After a quiet start to the year, this move indicates that institutional or large-scale demand is awakening.

A $360 billion U.S. banking revenue stream faces pressure as lawmakers revisit stablecoin rewards, a move Coinbase warns could reshape dollar payments, ignite competition in fees, and accelerate commerce moving onchain across the U.S. financial system.
Stablecoin Rewards Aren’t a Banking Crisis—They’re a Payments Revolution
Coinbase Chief Policy Officer Faryar Shirzad shared on social media platform X on Jan. 7 a warning that a $360 billion U.S. banking revenue machine is under threat as lawmakers reopen the fight over stablecoin rewards and the future of U.S. dollar payments moving onchain.
“The Senate Banking Committee marks up the Market Structure bill next week, and stablecoin rewards remain under debate,” he began, adding:
Congress already settled this in GENIUS—reopening it now only creates uncertainty and risks the future of the US dollar as commerce moves onchain.
Shirzad framed resistance as economically motivated, writing: “It’s no mystery why big banks want rewards banned.” He detailed that U.S. banks generate about $176 billion per year from roughly $3 trillion held at the Federal Reserve and another $187 billion annually from card swipe fees, bringing total revenue from payments and deposits to more than $360 billion each year.
The Coinbase chief policy officer asserted that “ stablecoin rewards threaten those margins—not because it reduces banks’ ability to lend, but because they introduce real competition in payments,” arguing that lower payment costs could translate into billions in savings for consumers and businesses and support broader economic growth.
Stablecoin Market Takes a Breather After December’s $310B Peak
Addressing financial stability concerns, Shirzad pointed to academic findings, writing: “Independent research from Cornell confirms it: stablecoin adoption does not reduce bank lending.” He emphasized that “rewards would need to approach 6% to meaningfully affect deposits,” a threshold far above current offerings.
The Coinbase policy chief also highlighted the strategic implications for incumbents, stating:
The irony is that stablecoins present a huge transformational opportunity for banks.
Concluding the thread, Shirzad summarized his position, noting: “Bottom line: banks oppose rewards not out of prudential concern, but because competition threatens protected revenue streams.” He argued that protecting the GENIUS Act and preserving the ability to offer rewards would result in lower costs, more consumer choice, and a more competitive U.S. payments system as commerce increasingly moves to blockchain rails.
#RegulationDebate
#StablecoinRevolution
#cryptocurreny

According to Cointelegraph, stablecoins are transitioning from a tool that emerged in the crypto sphere to a fundamental element of institutional market infrastructure, as highlighted in Moody's latest interdisciplinary analysis. The report, published on Monday, indicates that stablecoins, according to industry estimates, could handle approximately 87% more transaction volume in 2025 compared to the previous year, reaching an estimated value of $9 trillion. This growth is based on industry projections regarding blockchain transactions, not traditional banking transfers.