The cryptocurrency industry has proposed sharing stablecoin reserves with community banks in an effort to gain support from skeptical financial institutions. This initiative aims to preserve a stalled crypto market structure bill that could significantly impact the financial system. The proposal includes requiring stablecoin issuers to hold a portion of their reserves at community banks and facilitating these banks' ability to issue their own dollar-pegged digital assets. Despite these efforts, no agreement has been reached, and concerns remain about the potential withdrawal of up to $500 billion in bank deposits by 2028 due to stablecoins. The proposal has also sparked division within the crypto sector, with disagreements over whether platforms like Coinbase should offer rewards for holding stablecoins. Talks between crypto and banking groups, facilitated by the Trump administration, have yet to yield a resolution, but there is optimism that a compromise can be reached to advance the market-structure bill in Congress.