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总结
报道称，随着美国加密相关法案进入参议院委员会审议与“加价审议”(markup)阶段，Coinbase因向用户提供稳定币“奖励/收益”等做法面临更严格的国会与监管关注。多家社区银行警告稳定币可能削弱存款基础并带来竞争与风险外溢，而部分大型银行态度相对平静。围绕稳定币类似“交换手续费(interchange)”的商业模式及GENIUS法案潜在漏洞的争论升温，若立法收紧奖励与支付规则，可能影响Coinbase相关收入预期与稳定币生态发展，进而引发市场对金融稳定与监管合规成本的再评估。
正文
Coinbase Stock (COIN) Faces Senate Review on Stablecoin Rewards TipRanks Coinbase Raises Pressure as Crypto Bill Moves to Senate Markup Bloomberg.com Community banks sound Alarm on stablecoins as JPMorgan remains calm CoinDesk Stablecoin "Interchange" - And Why It Doesn't Work paradigm.xyz Community Bankers Want GENIUS Act Loophole Closed BadCredit.org
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