According to Eleanor Terrett, the latest 278-page bipartisan Senate draft says companies cannot pay interest solely for holding stablecoin balances, with the restriction detailed on page 189 (source: Eleanor Terrett on X, Jan 13, 2026, https://x.com/EleanorTerrett/status/2010939486168105173). Rewards are allowed only when tied to account opening or activity such as transactions, staking, providing liquidity, posting collateral, or participating in network governance (source: Eleanor Terrett on X, Jan 13, 2026, https://x.com/EleanorTerrett/status/2010939486168105173). Terrett also reports Senators have 48 hours to propose amendments, so these provisions may change before Thursday (source: Eleanor Terrett on X, Jan 13, 2026, https://x.com/EleanorTerrett/status/2010939486168105173). For traders, this draft structure implies passive APY on idle stablecoin balances would be disallowed if enacted, while activity-based yield via staking/liquidity/governance pathways could remain permissible (source: Eleanor Terrett on X, Jan 13, 2026, https://x.com/EleanorTerrett/status/2010939486168105173). Near term, monitor issuer and exchange updates to stablecoin reward terms and any shifts toward activity-linked programs as the 48-hour amendment window progresses (source: Eleanor Terrett on X, Jan 13, 2026, https://x.com/EleanorTerrett/status/2010939486168105173).