The Wolf Of All Streets US Senate Drops Crypto Draft. Rules Incoming #CryptoTownHall
Jan 13, 2026
Explore the latest U.S. Senate draft on crypto regulation, highlighting compromises on stablecoin rewards. The banking lobby's influence creates uncertainty as discussions emerge around tokenization's future impact. Guests debate whether stablecoin yield distributions classify tokens as securities. Inflation concerns surface with CPI data, raising questions about Bitcoin's role as a hedge. The potential for DeFi regulations could complicate bipartisan efforts, while Bitcoin's supply dynamics hint at an imminent breakout. Overall, a lively debate on the evolving crypto landscape!
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Senate Draft Gives Short-Term Win To Banks
- The Senate draft offers a bipartisan compromise allowing limited stablecoin "rewards," tilting outcomes toward banks in the short term.
- Panelists warn the deal is fluid and the text may change before committee markups in mid- to late-month.
Tokenization Will Shrink Bank Deposits
- Tokenization and automated sweeps will let fintechs minimize deposit balances and route funds into yield-bearing instruments.
- That structural change could erode bank deposit franchise value within five years regardless of today's legislation.
Plan For Long Rulemaking After Passage
- Expect the banking and agriculture committee votes to advance separate halves before combining into a final Senate bill.
- Anticipate 12–18 months of agency rulemaking after enactment, so plan roadmap timelines accordingly.