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.
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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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.
Lawmakers are accelerating efforts to advance the Digital Asset Market Clarity Act through the Senate, with a key committee markup scheduled for the week of May 11. White House and congressional officials are pushing for passage by July 4 amid ongoing negotiations over stablecoin rules and ethics provisions.
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The US Senate Banking Committee voted 15 to 9 on May 14 to advance the Digital Asset Market Clarity Act. The bill now heads to the full Senate floor for further consideration.
Crypto sentiment platform Santiment has highlighted growing euphoria around Bitcoin linked to momentum behind the US CLARITY Act.
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China has added 12 banks to its digital yuan (e-CNY) system, more than doubling the number of institutions using it in day-to-day operations. The expansion deepens the currency's role in the financial system after Beijing pledged to “steadily develop the digital yuan” in its latest five-year plan.