Stripe co-founder Patrick Collison has highlighted the need for stablecoin issuers and banks to offer competitive interest rates to customers. In a recent tweet, Collison noted that the current average interest rate on US savings deposits is a mere 0.4%, with around $4 trillion in deposits earning no interest. European deposit rates are similarly low, with non-corporate deposits at 0.25% and corporate deposits at 0.51%. Collison emphasized that depositors should receive returns closer to market levels, criticizing the current low-interest environment as disrespectful to consumers. He also mentioned that some lobbying groups are advocating for restrictions on incentives related to stablecoin deposits, following the GENIUS Act, but argued that such measures fail to serve consumer interests.