On February 10, the White House will host an important meeting about stablecoins and a major crypto regulation bill.
Lawmakers and crypto leaders have been given a deadline: end of February to fix their disagreements. Right now, the entire bill is stuck because of one big issue.
⚠️ THE MAIN ISSUE: STABLECOIN YIELD
The core question is very simple:
👉 Should stablecoin users be allowed to earn yield (interest)?
This one decision could change everything.
Banks say NO
Crypto companies say YES
Because of this fight, the most important crypto law in the U.S. has stalled.
🏦 WHY BANKS ARE AGAINST IT
Banks are worried that yield-paying stablecoins will pull money out of traditional bank accounts.
Here’s their logic:
Savings accounts pay around 0.3%–0.4%
Checking accounts pay almost 0%
Stablecoins could offer 3%–4% returns
If people can earn more from stablecoins, banks fear that huge amounts of money could leave the banking system over time.
Banking groups warn that up to $6 trillion in deposits could be at risk in the long run.
🚀 WHY CRYPTO COMPANIES WANT YIELD
Crypto firms see yield as essential to their business.
Many exchanges and crypto platforms have made it clear:
👉 If yield is completely banned, they would rather have no law at all than accept rules they feel only protect banks.
That shows how serious this disagreement is.
🏛️ HOW WE GOT HERE
This crypto regulation effort has been building for months:
The House passed the CLARITY Act in July 2025 with strong support
The Senate started working on its own version
Talks stopped once the stablecoin yield issue exploded
Since then:
Drafts were rewritten
Committee votes were delayed
Industry support broke apart
That’s why the White House is stepping in now.
⏳ WHY THIS MEETING MATTERS
The February 10 meeting is meant to force a decision.
If leaders reach an agreement, these steps can move forward:
1️⃣ Senate committee approval
2️⃣ Senate vote (needs 60 votes)
3️⃣ Final agreement between House & Senate
4️⃣ Bill sent to the President
Without a deal on yield, nothing moves forward.
🗳️ MIDTERM ELECTION PRESSURE
There’s also a time limit.
The 2026 midterm elections are coming. If this bill isn’t finished soon, politics could delay it for years.
That’s why lawmakers are racing against the clock.
🌍 WHY STABLECOINS MATTER SO MUCH
Stablecoins are now a key part of the financial system:
Hundreds of billions in value
Trillions in yearly transactions
Essential for crypto trading and payments
Clear rules will impact:
Crypto exchanges
DeFi growth
Big institutional investors
Everyday payments
🔥 THE BOTTOM LINE
The February 10 White House meeting is a turning point.
✅ If a deal is reached
The CLARITY Act moves forward
Senate action resumes
Full crypto regulation becomes possible
❌ If talks fail
The bill could stall again
Elections may delay progress
Uncertainty continues — and markets may stay weak.