When the stablecoin bill was passed earlier, banks agreed to the legality of stablecoins but prohibited interest payments. At that time, the crypto industry thought it was better to agree first, secure legal status, and then work on interest-bearing products under clearer regulations. Currently, banks represented by Morgan are holding firm on this bottom line, demanding that 'tokenized deposits' must be issued by banks. However, the crypto industry, led by Coinbase, disagrees, feeling that all the good opportunities are being taken away by traditional finance~