ChainCatcher 消息，美国银行家协会（ABA）表示，将在 2026 年把“遏制支付型稳定币提供利息/收益/奖励”作为首要政策优先事项，表现出对稳定币成为银行存款替代品的担忧。
美国银行首席执行官莫伊尼汉本月中警告称，如果美国国会不限制计息稳定币，高达 6 万亿美元的存款可能会从银行转移，这一数字约占美国商业银行存款总额的 30% 至 35%。
莫伊尼汉表示，稳定币的结构类似于货币市场共同基金，其储备金持有短期工具（例如美国国债），而不是像传统银行那样用于银行贷款。在这种模式下资金游离于传统银行体系之外，导致银行赖以支持家庭和企业贷款的存款基础萎缩。
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