原文：The banking lobby is wrong about stablecoins and community banks
Congress is debating whether stablecoins will hollow out community banking.银行大堂说是的。数据却另有说法。
我不是随便得出这个结论的。 My father has worked for more than 30 years at a community bank in rural Illinois. I grew up in that town of about 5,000 people, where customers did not choose the local bank because it had the fastest technology.他们选择它是因为它了解他们。
That experience is one reason I take community banks seriously. It is also why I do not buy the argument that stablecoins are about to drain their deposits.
Stablecoins are the most important upgrade to payment infrastructure in a generation. They make money faster, more programmable and more available across borders than the banking rails most businesses still depend on today.
然而，随着《数字资产市场清晰度法案》以 15 比 9 的两党投票通过参议院银行委员会，并在国会获得通过，银行游说团体正试图将辩论范围缩小到一个主张：。 If stablecoins are allowed to grow, deposits will drain out of local banks.