According to @iampaulgrewal, big banks earn over $360B annually from payments and deposits and are lobbying to kill crypto rewards because real competition threatens those margins, Source: @iampaulgrewal on X dated January 13, 2026. He urges Congress not to pick winners and losers, framing potential limits on crypto rewards as harmful to everyday Americans, Source: @iampaulgrewal on X dated January 13, 2026. Active U.S. products include the Coinbase Visa debit card that pays crypto rewards on everyday purchases, indicating any federal restriction on crypto rewards would directly affect these offerings, Source: Coinbase Help Center Coinbase Card rewards page accessed prior to 2024-10. For trading, U.S. policy risk around rewards-linked crypto products is a known overhang for platforms such as Coinbase because regulatory changes can materially impact product availability and financial performance, so traders should monitor Congressional headlines for sentiment and COIN exposure, Source: Coinbase 2023 Form 10-K Risk Factors and @iampaulgrewal on X dated January 13, 2026.