What's Really Holding Up Crypto Legislation (It's Not What You Think) Banks have held a monopoly on passive interest since 1913 and they don't want a wallet that earns yield while you spend out of it competing with their deposit base. Wade Preston explains where the negotiations are stuck, what's likely to give, and what it means for regular Americans who just want to earn 5-8% on money sitting in a wallet instead of the fraction banks currently pay. States aren't waiting on Washington. Florida,
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