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Community Banks Warn of Loophole in GENIUS Yield-Bearing Stablecoin

Community Banks Warn of Loophole in GENIUS Yield-Bearing Stablecoin

A coalition of U.S. community bankers claims exchanges exploit a GENIUS Act gap to offer stablecoin yields, urging Congress to strengthen protections for local deposits.

事实核查
在多方高权威来源高度一致的情况下，将该声明评估为“极有可能属实”且信心高，是有充分依据的。专注加密货币与金融领域的知名新闻媒体，如The Block和American Banker，提供了详尽报道，直接且一致地支持声明的每一个要点。这些一手来源确认，社区银行已明确表达了对一项名为GENIUS的稳定币法案中立法漏洞的担忧（即“敲响警钟”或发出警告）。据报道，该漏洞的具体性质涉及具有收益的稳定币。The Block的官方社交媒体账号进一步强化并呼应了其自身的报道。虽然其他来源的权威评分较低，例如一家专注加密货币的媒体及Reddit上的讨论，但它们与更高权威媒体的信息完全一致，表明该消息已被广泛报道。所提供来源之间不存在相互矛盾的证据；唯一不支持该声明的来源，其相关性评分极低且几乎无关主题。综合来看，证据的重量和一致性强有力地支持该声明的真实性。
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摘要

U.S. community banks have accused crypto exchanges of exploiting a loophole in the GENIUS Act that allows them to pay yields on stablecoins through indirect arrangements, bypassing prohibitions. The American Bankers Association's Community Bankers Council, representing over 200 banking leaders, urged Congress to amend the legislation to close this gap, warning it could divert deposits from local institutions and undermine regulatory oversight. The GENIUS Act seeks to regulate yield-bearing stablecoins but currently permits certain practices that banks say amount to 'backdoor' yield payments.

术语与概念
  • Yield-bearing stablecoin: A cryptocurrency pegged to a stable value that also generates returns, typically through lending or staking mechanisms.
  • GENIUS Act: Legislation under consideration in the U.S. Senate addressing standards and regulations for yield-bearing stablecoins.