The days of earning 4% just by holding USDC might really be coming to an end. The American Bankers Association (ABA) spent $56.7 million lobbying for the 'Clarity Act,' with one core goal: to stop users from earning treasury-like yields by holding stablecoins. What banks are truly worried about is this: if stablecoins can offer 4%-5% annualized returns, up to $1.5 trillion in retail deposits might quietly flow away.