🏦 Wall Street’s "Silent War": Why the Crypto Clarity Act Stalled in 2026?

What seemed to be the "year of redemption" for crypto regulation in the United States has hit a major roadblock: the banking lobby. The Clarity Act, which was supposed to bring definitive rules to the industry, has become the battlefield for a fierce dispute between Traditional Finance (TradFi) and the decentralized future.
🛑 Who is hindering the approval?
The main deadlock in the Senate is no longer just ideological; it is purely economic. Large banking associations, such as the ABA (American Bankers Association), are pressuring lawmakers to include clauses that severely limit the competitiveness of cryptocurrencies.
The "Yield Blockade": The most critical point is an amendment that prohibits exchanges from paying rewards or yields on stablecoins. Banks fear a massive "deposit flight." If you can earn 4% on digital dollars with instant liquidity, why would you keep your money in a traditional savings account that yields nearly zero?
Coinbase's Retreat: In January 2026, giants like Coinbase withdrew their support for the bill because the revised text started favoring banking institutions, attempting to "suffocate" exchange incentives.
⚖️ Is there a chance for approval in 2026?
Despite recent pessimism (with Polymarket odds dropping from 80% to around 50%), there is still hope:
Critical Deadline: The White House and Congress are pushing for an agreement by March 1st, 2026.
The Compromise: A "middle-ground" proposal is being discussed that would allow rewards based on activity (such as staking and transactions) rather than just passive deposits. This could be the saving grace for the SocialFi sector.

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