A CLARITY Act, destinada a fornecer clareza regulatória para ativos digitais, avança em Washington com esperanças de aprovação até meados de 2026. As negociações concentram-se nos rendimentos de stablecoins, atraindo o envolvimento do Presidente Trump e líderes da indústria. O projeto de lei poderia beneficiar moedas compatíveis com ISO 20022, como XRP e Stellar, em meio a debates contínuos entre bancos e empresas de cripto.
A Lei de Clareza do Mercado de Ativos Digitais, conhecida como a CLARITY Act, é uma legislação proposta nos EUA projetada para estabelecer regras claras para ativos digitais e delimitar a autoridade regulatória entre a Securities and Exchange Commission (SEC) e a Commodity Futures Trading Commission (CFTC). Atualmente navegando pelo Senado, o projeto aborda ambiguidades que têm impedido a adoção institucional de criptomoedas nos Estados Unidos. Key advocates, including Kristin Smith, project passage by July 2026, aligning with JPMorgan analysts' mid-year timeline. Ripple CEO Brad Garlinghouse expressed optimism, estimating a 90% probability by April. Earlier this year, Coinbase CEO Brian Armstrong withdrew support, citing provisions that favor traditional banks over crypto-native companies, but the bill has since regained momentum. Central to negotiations are provisions on stablecoin yields. Banks argue that rewarding stablecoin holdings could undermine deposits essential to their operations, with Standard Chartered estimating potential reductions by one-third of stablecoin market capitalization. Crypto representatives, however, see shared challenges with community banks. Blockchain Association CEO Summer Mersinger noted that White House involvement adds momentum, while Digital Chamber CEO Cody Carbone expressed optimism about discussions with Senator Thom Tillis on stablecoin yields. President Donald Trump has intervened, arguing on Truth Social that banks should not undermine the recently passed Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act. After meeting Armstrong, Trump emphasized advancing the CLARITY Act to position the US as the crypto capital. JPMorgan CEO Jamie Dimon indicated openness to limited stablecoin rewards, provided they do not mimic savings interest and crypto firms adhere to banking regulations. Eric Trump criticized banks as “anti-consumer and straight-up anti-American” on X. Support comes from Senators Chuck Schumer and Ruben Gallego, with Trump advisors David Sacks and Patrick Witt aiding policy disputes, countering opposition from Senator Elizabeth Warren over consumer protections. Senators Tillis and Angela Alsobrooks are reviewing banker proposals on stablecoin rewards. If advanced through the Senate Banking Committee markup, it would merge with a prior Agriculture Committee version, requiring Democratic backing for full Senate passage. The timeline is tight, with Senate floor time limited before midterm elections. Passage could accelerate integration of ISO 20022-compliant assets like XRP, Stellar (XLM), Algorand (ALGO), Hedera (HBAR), and IOTA into financial infrastructure, particularly cross-border payments. Bitcoin holders also stand to gain from reduced regulatory uncertainty.
