According to @iampaulgrewal, large U.S. banks earn over $360B annually from payments and deposits and are lobbying to end crypto rewards that threaten those margins, source: @iampaulgrewal (Jan 13, 2026). He argues Congress should not pick winners and losers, framing action against crypto rewards as anti-competitive and harmful to everyday consumers, source: @iampaulgrewal (Jan 13, 2026). For traders, this flags a policy risk to U.S. crypto rewards programs and warrants monitoring of Congressional discussions on payments and rewards that address crypto incentives and platform activity, source: @iampaulgrewal (Jan 13, 2026).