银行计划实施 CLARITY 法案，导致 Circle 和 Coinbase 股价下跌

银行计划实施 CLARITY 法案，导致 Circle 和 Coinbase 股价下跌

Circle (CRCL) and Coinbase (COIN) shares both fell more than 3% after reports that JPMorgan Chase and a consortium of major banks were moving toward issuing their own stablecoins following the advancement of the CLARITY Act. The news focused attention on the potential for traditional lenders to compete with crypto-native issuers such as Circle and Tether.

The selloff followed a Wall Street Journal report that U.S. banks are warming to stablecoins as nonbank issuers expand and executives worry the tokens could encroach on traditional banking. JPMorgan Chase has explored a potential stablecoin, though the discussions remain preliminary and no product is under development.

刚刚：🇺🇸 美国银行、富国银行、桑坦德银行和十几家主要银行正在推进推出加密稳定币的计划。 —Watcher.Guru (@WatcherGuru) 2026 年 8 月 26 日

Separately, a consortium of more than a dozen banks, including Bank of America, Wells Fargo, and Santander, is advancing plans for a commercial-focused stablecoin. The consortium has discussed a stablecoin covering the U.S. dollar, the euro, and other Group of Seven currencies.

CRCL retail sentiment on Stocktwits slipped from the extremely bullish zone to the bullish zone as chatter stayed at high levels over the past day. COIN 情绪仍处于极度看涨区域，而讨论也保持在高位。

发现：实现投资组合多元化的最佳加密货币

银行链联盟计划建立银行拥有的网络

The BankChain Alliance announced an industry-owned and industry-governed blockchain network intended to enable banks of all sizes to build modern payment rails. According to the Wall Street Journal, the organizations involved, modeled on the Federal Home Loan Bank system, represent about 3,283 institutions and $21.8 trillion in assets.该平台预计将于 2027 年上半年推出。

Planned use cases include treasury management, supply-chain financing, cash management, tokenized deposits, stablecoins, smart payment tools, and automated settlement. The Alliance said it is seeking a technology partner and that the network would be interoperable with other networks and open to ownership by banks nationwide.

Kathy Kraninger, interim chair of the BankChain Alliance and president and CEO of the Florida Bankers Association, said the collaboration is intended to help banks of all sizes build their future and continue serving customers safely and efficiently across rural, urban, and regional communities.

凯西·克兰宁格 (Kathy Kraninger) 在两党政策中心活动上发表讲话。

这些公告指出，银行正在探索链上支付和结算服务以及代币化存款和稳定币。摩根大通所报告的计划仍处于初步阶段，而银行链联盟网络计划于 2027 年推出。

CLARITY 法案的不确定性和 Coinbase 的推动

Coinbase has become one of the most vocal industry supporters of the CLARITY Act, with CEO Brian Armstrong and senior executives repeatedly urging the Senate to advance the crypto market structure bill. The company has also backed industry lobbying efforts, including a June letter signed by more than 200 crypto organizations calling for a Senate floor vote.

🎥观看：Coinbase 首席执行官布莱恩·阿姆斯特朗 (Brian Armstrong) 表示，自我托管钱包是“终极主权”。

问：你不会因为加密货币而失去银行账户，对吗？

"Many people including the president himself and his kids got debanked in the United States.”

“如果你有自我保管…… pic.twitter.com/3ERrK095b1 - Coin Bureau (@coinbureau) 2026 年 8 月 28 日

More recently, Coinbase Vice Chair Ryan VanGrack publicly pushed for passage as lawmakers faced mounting pressure to act, while Coinbase backed advocacy group Stand With Crypto, which endorsed congressional candidates who previously supported the legislation.

For now, the bank news arrived as the Digital Asset Market Clarity Act, or CLARITY Act, had yet to pass the Senate, with the bill’s treatment of stablecoin yield among the remaining issues to be resolved.

Pexels 上 Ramaz Bluashvili 拍摄的照片

Shay Boloor, a market strategist at Futurum Equities, said Circle stock was under pressure amid concern that a dollar stablecoin issued and distributed at scale by major banks could reduce the share of the market flowing through Circle and USDC.

有两个进展值得关注。 The BankChain Alliance network is anticipated for the first half of 2027, and the Alliance is still seeking a technology partner.

与此同时，参议院对《澄清法案》的处理，包括对稳定币收益率的处理，仍未解决。银行举措和立法的进展仍将是围绕稳定币竞争讨论的核心。