U.S. Senator Cynthia Lummis has called on American banks to adopt stablecoins and digital assets, emphasizing their potential as innovative financial products rather than threats. Speaking on Fox Business on February 6, Lummis highlighted the benefits of stablecoins, such as faster and cheaper payments, and new custody services, which could enhance banking operations. She argued that blockchain technology could surpass traditional banking systems for both domestic and international transactions while maintaining regulatory compliance with the Federal Reserve. Lummis's comments come amid stalled negotiations over the Digital Asset Market Clarity Act of 2025, primarily due to disagreements on whether stablecoin issuers can offer rewards or yield-like incentives. While banks express concerns about potential impacts on deposits, crypto firms view these features as crucial. Lummis proposed compromises, such as allowing bonuses without classifying them as interest, as lawmakers aim to revisit the legislation in spring 2026.