3.8 Stablecoins Coinbase反对银行团体推动禁止稳定币商户奖励，认为超出GENIUS法案范围并抑制创新。争议焦点在于是否应限制第三方奖励，影响支付创新。
Coinbase强烈反对美国银行业团体试图禁止与稳定币支付相关的商户奖励、返现和折扣，认为此举超出了GENIUS法案的本意并扼杀创新。GENIUS法案禁止稳定币发行方向代币持有者支付利息或收益，但并未明确禁止商户或交易所提供的第三方奖励。银行业团体声称这些奖励属于“间接利息”，希望监管机构扩大禁令，理由是担心存款外流和对传统支付系统的威胁。Coinbase则反驳称该法律仅适用于发行方，扩大禁令将损害消费者利益、限制支付创新，并保护既得金融利益。该争议凸显了传统银行与新兴稳定币行业之间日益加剧的紧张关系，对支付成本、消费者选择以及美国数字金融的未来具有重大影响。
Coinbase Opposes Bank Effort to Block Stablecoin Payment Benefits
Coinbase Pushes Back Against Banks Over Stablecoin Rewards Ban
Coinbase Challenges Bank Push Against Stablecoin Rewards
Coinbase Slams Banks for Trying to Ban Stablecoin Rewards
Stablecoin Payment Rewards at Risk Amid Banking Pressure
Ban on rewards tied to stablecoin payments is un-American: Coinbase
Coinbase Calls Bank Push Against Stablecoin Rewards ‘Unamerican’
Coinbase Opposes Banking Groups’ Bid to Restrict Stablecoin Merchant Rewards
