美国加密货币倡导者以与中国利息型e-CNY竞争为由，推动稳定币收益立法清晰，但银行反对导致Clarity Act停滞。中国则推进以主权e-CNY为核心的不同路径。
美国加密货币倡导者日益将与中国新型利息型e-CNY的竞争作为论据，要求立法明确稳定币收益问题，但这与银行利益冲突，导致美国立法进程放缓，包括Clarity Act的停滞。与此同时，中国正走上数字货币未来的完全不同道路，专家表示。香港金杜律师事务所合伙人Andrew Fei表示：“世界上两个最大经济体在数字资产上并非真正竞争，而是追求截然不同的策略。”纽约大学法学院兼职教授兼全球公共投资基金论坛执行主任Winston Ma将美中数字资产竞争描述为“激烈但不对称”。Ma说：“在现阶段，北京故意选择与华盛顿不同的数字货币模式：中国将主权e-CNY置于其架构中心，而美国则实质上让私人发行的美元稳定币引领方向。”银行认为，稳定币收益会吸引存款流失，削弱其向实体经济放贷能力；加密公司则称，允许稳定币持有奖励将促进数字资产创新。
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The US CLARITY Act has hit an impasse after major banks rejected a White House compromise limiting stablecoin yield rewards to peer-to-peer payments. This follows President Trump's recent criticism of banks and builds on stalled talks over incentives that crypto firms say are vital for innovation. Trump met with Coinbase CEO Brian Armstrong amid the deadlock.
Citi analysts report growing momentum for the CLARITY Act, a key U.S. crypto market structure bill, but highlight risks of delays beyond 2026 due to disputes over decentralized finance definitions and stablecoin rewards. The Senate Agriculture Committee has advanced its version, while the Banking Committee grapples with contentious issues. A White House meeting on February 2 aims to address stablecoin concerns.
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In the latest on the stalled Digital Asset Market Clarity Act, former CFTC Chair Christopher Giancarlo argues banks require regulatory clarity more urgently than crypto companies for digital payments. The bill remains deadlocked over stablecoin rewards after missing a March 1 White House deadline, amid banks' fears of capital flight.
The U.S. Senate Banking Committee has postponed a key vote on the Digital Asset Market Clarity Act, amid disagreements over stablecoin provisions and opposition from Coinbase. The delay, originally set for January 15, 2026, highlights tensions between crypto innovators and regulators. While the White House has reportedly threatened to withdraw support, Coinbase CEO Brian Armstrong refuted such rumors, praising the administration's constructive role.
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美国财政部长斯科特·贝森特在参议院银行委员会作证时表示，他对北京利用香港的数字资产“沙盒”来挑战美国金融主导地位并不感到惊讶。他敦促通过《数字资产市场清晰法案》以维护美国的全球领导力。贝森特提到有关中国数字资产的传闻，但强调美国无法证实这些说法。
Lawmakers are working on a compromise over stablecoin rewards to revive the Digital Asset Market Clarity Act, stalled by banking disputes and President Trump's legislative priorities. On March 8, 2026, Trump elevated the unrelated SAVE America Act, freezing Senate time for other bills. The crypto industry, meanwhile, highlighted AI agents' reliance on existing infrastructure without new laws.
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The U.S. Senate Banking Committee is set to mark up the Digital Asset Market Clarity Act of 2025 on January 15, 2026, aiming to establish a federal framework for digital assets. The bill would divide regulatory oversight between the Securities and Exchange Commission and the Commodity Futures Trading Commission. Controversy surrounds provisions related to decentralized finance, with advocacy groups launching ads to oppose them.