白宫报告称禁止稳定币利息将损害消费者和贷款人. White House report says banning stablecoin interest would harm consumers and lenders.

白宫2026年4月的一份报告发现,禁止稳定币的利息几乎不会促进银行贷款, 增加总贷款仅为21亿美元 - 比12万亿美元市场少0.02%. A White House report from April 2026 finds that banning interest on stablecoins would barely boost bank lending, increasing total loans by only $2.1 billion—less than 0.02% of the $12 trillion market. 经济顾问委员会分析的结果显示,不利因素超过好处, 每年净福利损失约为8亿美元, 而消费者收益也受到影响. The analysis by the Council of Economic Advisers concludes the downsides outweigh the benefits, estimating a net annual welfare loss of about $800 million while harming consumer returns. 调查结果是在关于"数字资产市场透明度法案"的立法辩论中得出的. The findings come amid ongoing legislative debates over the Digital Asset Market Clarity Act.