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Washington has been quietly fighting over a question that sounds boring but isn't: should the people holding digital dollars get to earn interest on them?
Banks say no. Crypto companies say obviously yes. The White House tried to get everyone in a room in February and failed. Now a federal banking regulator is trying to settle it by fiat.
The stakes are bigger than they sound. Stablecoins, tokens pegged to the dollar, backed by Treasuries, are sitting on yield that someone is collecting. Right now that someone is mostly the issuer. The fight is over whether any of it flows back to you, and it's a fight that will determine where trillions of dollars in cash-like savings end up living.
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