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总结
在美国国会推进稳定币立法之际，社区银行业者警告，草案若允许稳定币向持有人提供“奖励/收益”，可能变相吸收存款、对中小银行负债端造成挤压并形成监管套利，因而呼吁在GENIUS法案等框架中堵住相关漏洞。相比之下，摩根大通对稳定币竞争与潜在存款流失态度更为淡定。参议院委员会已发布法案文本并准备进入审议，交易所等行业也在加大游说，最终规则将影响支付格局与金融稳定监管边界。
正文
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