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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U.S. Senators Thom Tillis and Angela Alsobrooks released compromise text Friday for the CLARITY Act, addressing stablecoin yields as the final major hurdle in the crypto market structure bill. The agreement bans yields equivalent to bank deposits but allows rewards for bona fide activities. Crypto industry leaders quickly endorsed it and urged the Senate Banking Committee to schedule a markup.
The Senate Banking Committee plans to mark up the CLARITY Act next week, but Democratic demands for conflict-of-interest rules and banking opposition to stablecoin rewards threaten to derail the effort. Negotiators reached a compromise on stablecoin yields earlier this month, yet banks argue the language still permits evasion. A long-delayed vote on the bill, which aims to clarify digital asset oversight between the SEC and CFTC, now hangs in the balance.
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Following last week's stablecoin yield compromise by Senators Tillis and Alsobrooks, crypto stocks rallied and markup expectations grew for the Digital Asset Market Clarity Act. Circle shares surged 18% amid optimism for Senate Banking Committee action the week of May 11, despite banking pushback.
Analysts and investors say the Hong Kong Monetary Authority’s (HKMA) cautious issuance of only two stablecoin licences to traditional banks prioritises risk control but limits Hong Kong’s digital asset ambitions. The market had expected at least three licences for issuers from broader backgrounds.
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The Senate Banking Committee voted 15-9 to advance the Digital Asset Market Clarity Act on May 17. The move signals progress toward a regulatory framework for cryptocurrencies in the United States, though the bill still requires a full Senate vote.