On 15 September 2026, the US Senate voted 49–50 against invoking cloture on the motion to proceed to the CLARITY Act, H.R. 3633. The bill needed 60 votes to advance. It did not even secure a simple majority, with multiple Republicans voting against the motion. Senator Cynthia Lummis said the result meant “it’s over” for the bill. For digital-asset businesses, the immediate reaction was sharp. Bitcoin fell by roughly 3% to around US$76,000, Coinbase dropped about 8% and Circle

The next payments infrastructure race is not simply crypto versus banks. It is a contest between fragmented private rails and interoperable, regulated money movement. On 26 August 2026, 39 US state banking associations announced the formation of the BankChain Alliance, an industry-owned initiative targeting a 2027 blockchain network for tokenised deposits, regulated digital money, smart payments and automated settlement. Separately, major US banks are backing a tokenised-depo

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