Patrick Collison, co-founder of Stripe, has highlighted an evolving trend in the stablecoin market where issuers will need to share yields with others. Collison suggests this is part of a broader movement where everyone will have to share returns. He noted that the average interest rate on U.S. savings deposits is just 0.4%, with approximately $4 trillion in deposits earning zero interest, while non-corporate deposit rates in Europe are only 0.25%. Collison argues that savers should receive returns closer to market rates and criticized lobbying groups that, following the GENIUS Act, have pushed to limit stablecoin yield mechanisms, describing them as overly consumer-hostile and destined to fail.