Seeds of Wisdom RV and Economics Updates Tuesday Morning 1-13-26

Good Morning Dinar Recaps,

Senate CLARITY Act Update: Stablecoin Rewards Get a Green Light

Washington draws a sharp line between payments incentives and bank-style yield

Overview

A revised draft of the U.S. Senate’s CLARITY Act would allow activity-based stablecoin rewards tied to payments, wallets, staking, and network participation — while explicitly banning interest or yield paid solely for holding stablecoins. The update aims to give crypto firms clearer rules without treating stablecoins as securities or bank deposits, a long-running point of contention between fintech, crypto firms, and traditional banking groups.

Key Developments

Activity-Based Rewards Explicitly Permitted

The amended Digital Asset Market Clarity Act makes clear that rewards linked to actual use of stablecoins are allowed. These include incentives tied to payments, transfers, remittances, and settlements, as well as benefits connected to wallets, accounts, platforms, or blockchain networks.
Crucially, the draft states that offering such rewards does not transform a stablecoin into a security or bank-like product, providing long-sought regulatory clarity for issuers and service providers.

Loyalty, Promotions, and Crypto-Native Incentives Covered

Beyond everyday payments, the exemption extends to loyalty programs, promotional incentives, subscriptions, and rebates involving stablecoins.
The draft also embraces crypto-native activity, permitting rewards associated with providing liquidity or collateral, governance participation, validation, staking, and broader ecosystem engagement — signaling congressional recognition that blockchain networks operate differently from traditional finance.

Clear Prohibition on “Passive” Stablecoin Yield

While activity-based rewards are allowed, the bill draws a firm boundary: digital asset service providers may not pay interest or yield solely for holding a payment stablecoin, regardless of whether compensation is delivered in cash, tokens, or other consideration.
This distinction directly addresses concerns from banking groups that yield-bearing stablecoins resemble deposit-taking without oversight.

Political and Industry Tensions Continue

Senate Banking Chair Tim Scott framed the revised draft as providing “clear rules of the road” for families and small businesses, emphasizing consumer protection and certainty.
However, community banks remain alarmed, arguing that reward programs could pull deposits away from local lenders, weakening credit access for small businesses and households. Crypto advocacy groups counter that stablecoins do not fund loans and that excessive restrictions would curb innovation and consumer choice.

Why It Matters

The CLARITY Act draft represents a regulatory compromise: allowing innovation in payments and blockchain ecosystems while preventing stablecoins from morphing into shadow banking products. By separating usage incentives from passive yield, lawmakers are attempting to modernize financial rules without destabilizing the existing banking system.

Why It Matters to Foreign Currency Holders

For foreign currency holders watching broader financial system reform and global reset narratives, this legislation matters because stablecoins increasingly function as cross-border payment rails. Clear U.S. rules around rewards and usage could accelerate adoption in remittances and trade settlement, indirectly influencing currency flows, liquidity, and valuation dynamics outside the dollar system.

Implications for the Global Reset

Under Global Reset Pillar One, regulated stablecoin usage strengthens alternative payment infrastructure without collapsing banks. Under Pillar Two, political pushback from community banks highlights resistance to rapid change. Together, the CLARITY Act draft points to incremental integration of crypto into the financial system, not disruption overnight.

This isn’t a green light for crypto yield — it’s Washington defining what counts as real financial activity.

Seeds of Wisdom Team  

Newshounds News™ Exclusive

Sources

• Cointelegraph — New Senate CLARITY Act draft allows activity-based stablecoin rewards

• Reuters — U.S. lawmakers seek clearer rules for stablecoins amid bank concerns
  

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BRICS De-Dollarization in 2026: A Turning Point for Global Dollar Use

Local currencies rise, payment rails multiply, and the dollar’s role quietly adjusts

Overview

BRICS de-dollarization efforts heading into 2026 are accelerating through local currency settlements and alternative payment systems, not through an abrupt rejection of the U.S. dollar. While Russia and China now settle roughly 90% of their trade in rubles and yuan, other members — notably India — are signaling restraint, emphasizing the dollar’s continued role in global stability. The result is a measured, infrastructure-driven shift rather than a dramatic currency overthrow.

Key Developments

Local Currency Trading Gains Ground

Bilateral trade among BRICS members is increasingly conducted in national currencies, reducing transaction costs and exposure to sanctions. Russian President Vladimir Putin has emphasized that this shift is pragmatic rather than ideological, noting that alternatives are pursued only when access to the dollar system is restricted.
The expansion of ruble, yuan, and other friendly currencies in settlements reflects a functional diversification, not a wholesale abandonment of the greenback.

Alternative Infrastructure Takes Shape

Instead of launching a single BRICS currency, the bloc is prioritizing interoperable payment systems. Platforms such as BRICS Pay aim to link domestic networks like Russia’s SPFS, China’s CIPS, and India’s UPI.
Meanwhile, mBridge enables near-instant cross-border settlements using central bank digital currencies, signaling how future trade may bypass traditional correspondent banking rails.

Political Pressure Influences the Pace

Former U.S. President Donald Trump has warned of potential 100% tariffs against countries aggressively pursuing de-dollarization, framing the issue as a strategic and political threat.
Brazilian President Lula da Silva responded by criticizing the use of tariffs as economic coercion, underscoring how geopolitical pressure is shaping BRICS strategy as much as economics.

India Signals Caution, Not Confrontation

India has distanced itself from rhetoric about replacing the dollar. External Affairs Minister S. Jaishankar has stressed that the dollar remains a cornerstone of global economic stability, and that BRICS lacks a unified stance on dethroning it.
This cautious approach highlights that BRICS de-dollarization is uneven and pragmatic, with each member prioritizing its own financial stability.

Why It Matters

The 2026 BRICS de-dollarization push is less about collapsing dollar dominance and more about building parallel systems. As trade increasingly flows through local currencies and new payment rails, the dollar’s exclusive centrality erodes — even if its reserve status remains intact.
This gradual shift could reshape global liquidity flows, reduce sanctions leverage, and introduce a more multipolar financial order.

Why It Matters to Foreign Currency Holders

For foreign currency holders watching potential revaluations and a broader global reset, this evolution is critical. Expanded local currency trade and alternative settlement systems increase demand for non-dollar currencies, especially those tied to commodities and regional trade hubs.
Rather than a sudden dollar collapse, the opportunity lies in incremental currency realignments as global finance diversifies.

Implications for the Global Reset

Under Global Reset Pillar One, BRICS infrastructure-building weakens single-system dependence. Under Pillar Two, political resistance and dollar stability slow any abrupt transition. Together, they point to a controlled financial rebalancing, not chaos.

This is not a dollar crash — it’s a quiet rewiring of how the world settles trade.

Seeds of Wisdom Team  

Newshounds News™ Exclusive

Sources

• BRICS De-Dollarization in 2026: Turning Point for Global Dollar Use

• Reuters — BRICS nations push local currency trade to cut dollar reliance

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🌱 A Message to Our Currency Holders🌱

If you’ve been holding foreign currency for many years, you were not foolish.
You were not wrong to believe the global financial system would change.

What failed was not your patience — it was the information you were given.

For years, dates, rumors, and personalities replaced facts, structure, and proof. “This week” predictions created cycles of hope and disappointment that were never based on how currencies actually change.

That is not your failure.

Our mission here is different:   • No dates • No rates • No hype • No gurus

Instead, we focus on:
• Verifiable developments • Institutional evidence
• Global financial structure • Where countries actually sit in the process

Currency value changes only come after sovereignty, trade, banking, settlement systems, and fiscal coordination are in place. History and institutions confirm this sequence.

You will see silence. You will see denials. That is not delay — that is discipline.

Protect your identity. Organize your documents.      Verify everything.
Never hand your discernment to anyone who cannot show proof.

You deserve truth — not timelines.

Seeds of Wisdom Team
Newshounds News

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