Svmuu News: U.S. lawmakers recently resumed discussions on stablecoin yield mechanisms, with some legislators expressing concern that the returns offered by stablecoins could lead to outflows from bank deposits and blur the line between crypto products and traditional bank deposits.At a Senate Banking Committee hearing, Senator Angela Alsobrooks stated that while she supports financial innovation, stablecoin yield mechanisms could create products similar to bank deposits but lacking corresponding regulatory oversight and protective measures, thereby potentially triggering future risks of deposit outflows. The issue of stablecoin yields has long been one of the central topics in legislative negotiations regarding the crypto market.The GENIUS stablecoin bill, passed in 2025, prohibits stablecoin issuers from directly paying interest to holders, but does not prohibit third-party platforms such as Coinbase from offering holding rewards to users. Banking industry representatives believe that allowing stablecoins to offer yields would erode the deposit base of the traditional banking system.A previous study by the National Association of Community Banks (NACB) in the U.S. stated that if stablecoin yield mechanisms were fully liberalized, banking deposits could decrease by approximately $1.3 trillion, leading to a reduction in community bank lending of about $850 billion. The crypto industry, however, counters that restricting stablecoin yields would stifle innovation.Some industry insiders note that there is currently no evidence of a significant correlation between the widespread adoption of stablecoins and the outflow of bank deposits.Senator Thom Tillis stated that he will require regulators to conduct an independent assessment of the risks of deposit outflows that stablecoins may trigger. Meanwhile, the White House has recently organized multiple rounds of meetings between banks and crypto firms and hopes to reach a solution on the issue of stablecoin yields by the end of this month.