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Coinbase Institutional says shifting market structure, not hype cycles, will shape crypto trading and adoption in 2026 as activity concentrates in a few key areas.
What to know:
Coinbase Institutional argues that the crypto market’s behavior is being reshaped by structural forces rather than traditional boom-and-bust cycles.The firm highlights several fast-growing areas where activity is accelerating despite tighter financial conditions.Coinbase believes these shifts could define how crypto markets function in 2026 and beyond.
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👋 Hey dear friends!!
Let's break down some hot news that clearly shows what the fight between traditional finance and the crypto industry over our financial future actually looks like.
👉 Coinbase CEO Brian Armstrong issued a sharp warning. He called the potential revival of discussions around the GENIUS Act, one of the stablecoin bills,a "red line."
His main point: this isn't about security; it's a lobbying attack by banks on their competitors. 😏🔥
👉What's the Core Conflict?
Currently, the law in question prohibits stablecoin issuers (like companies issuing USDC) from paying interest to holders directly. But there's a workaround: crypto platforms (like Coinbase) or other third parties can do this through various rewards programs.
👉The banks don't like this. Why? It's simple:
Banks take public deposits, park some reserves at the Fed earning ~4%, but pay customers close to 0% on traditional savings accounts.
Crypto platforms, using stablecoins, can afford to share some of that yield with users by offering these "rewards."
📝 As noted by Max Avery of Digital Ascension Group, banks are lobbying, under the guise of "safety" and "protecting deposits", for amendments that would ban any rewards for stablecoins, even those offered through platforms. In other words, they want to completely strip the industry of this competitive advantage.
👉💥 Armstrong's Stance: This is a War for the Future of Finance
Armstrong doesn't mince words:
⬇️
He is "impressed" by the audacity of bank lobbying so openly trying to stifle competition through Congress.He believes this is an attack not just on stablecoins, but on the entire fintech industry.He gives an interesting prediction: in a few years, the banks themselves will lobby for the ability to pay interest on stablecoins once they understand the potential. So, their current fight is a "100% waste of effort."
👉 The Regulatory Paradox:
The irony is that while one group of lawmakers (under bank pressure) tries to restrict stablecoins, another group is proposing tax breaks for them. Recently, a group of congressmen introduced a discussion draft to exempt small, everyday stablecoin payments (up to $200) from capital gains tax. The goal is to encourage their use as real payment methods.
👉 So, a real battle of ideas is underway in Washington: some see stablecoins as a threat, others see them as a tool for innovation and financial inclusion. 🤷
➡️ Question for you❓
Who do you think will ultimately win this fight: banking lobbyists striving to maintain the status quo, or the crypto industry offering people a real alternative and yield? And are traditional institutions ready to adapt, as Armstrong predicts❓❓❓❓

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Halo semua. Mari kita uraikan beberapa berita hangat yang jelas menunjukkan seperti apa pertarungan antara keuangan tradisional dan industri crypto atas masa depan keuangan kita.
CEO Coinbase Brian Armstrong mengeluarkan peringatan tajam. Ia menyebut potensi kebangkitan diskusi seputar Undang-Undang GENIUS—salah satu rancangan undang-undang stablecoin—sebagai "garis merah." Poin utamanya: ini bukan tentang keamanan; ini adalah serangan lobi oleh bank terhadap pesaing mereka.
Apa Inti Konfliknya?
Saat ini, hukum yang dipertanyakan melarang penerbit stablecoin (seperti perusahaan yang menerbitkan USDC) untuk membayar bunga langsung kepada pemegang. Namun, ada solusi: platform crypto (seperti Coinbase) atau pihak ketiga lainnya dapat melakukan ini melalui berbagai program hadiah.

Let’s break down a major development that clearly shows what the real fight between traditional finance and crypto looks like 👇

Coinbase CEO Brian Armstrong has issued a strong warning over renewed discussions around the GENIUS Act, a proposed stablecoin bill. He called it a “red line”, arguing that this isn’t about safety or consumer protection — it’s about banks lobbying to crush competition.

⚔️ What’s the real conflict?

The current framework prevents stablecoin issuers (like USDC issuers) from paying interest directly to holders. However, crypto platforms such as Coinbase can still offer yield through rewards programs or third-party structures.

Banks don’t like this — and the reason is simple:

• Banks take public deposits

• Park reserves at the Fed earning ~4%

• Pay customers close to 0% on savings

Crypto platforms, using stablecoins, can share yield with users, giving everyday people a better deal.

According to Max Avery (Digital Ascension Group), banks are now lobbying lawmakers — under the banner of “safety” — to ban all stablecoin rewards, even when offered by platforms. The goal? Remove crypto’s competitive edge entirely.

🔥 Armstrong’s stance: This is a war for the future of finance

Armstrong didn’t hold back:

• He says he’s “impressed” by how openly banks are trying to block competition through Congress

• He believes this is an attack not just on stablecoins, but on fintech as a whole

• He predicts banks will eventually reverse course and lobby to pay interest on stablecoins themselves once they realize the opportunity

In his words, the current fight is a “100% waste of effort.”

⚖️ The regulatory paradox

Here’s the irony:

While some lawmakers — under bank pressure — are trying to restrict stablecoins, others are pushing to support them.

A group of US congressmen recently proposed exempting small stablecoin payments (up to $200) from capital gains tax. The goal is to encourage stablecoins as real payment tools, not just speculative assets.

So right now, Washington is split:

• One side sees stablecoins as a threat

• The other sees innovation, efficiency, and financial inclusion

❓ Big question

Who do you think wins this battle?

• Banking lobbyists fighting to protect the status quo?

• Or the crypto industry offering better yields, alternatives, and transparency?

And are traditional institutions really ready to adapt — just as Armstrong predicts?

👇 Share your thoughts and keep the discussion going.

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