Stablecoin rewards have become a major obstacle to cryptocurrency legislation in the United States. Despite calls for action from the political sphere, the Market Structure Bill remains stalled. The core conflict lies in whether platforms like Coinbase can offer yields to stablecoin holders. Banks believe this practice threatens financial stability, while cryptocurrency companies see it as a necessary condition to stay competitive. This debate has evolved from a regulatory conflict into a direct commercial contest between traditional financial institutions and cryptocurrency companies over control of the transfer of dollar value, and the growing negotiating power of the crypto industry ensures that this issue remains a focal point of friction between the two sides.