Coinbase’s decision to lower yields on USDC has reignited a familiar debate in crypto: who really benefits when centralized platforms tighten the screws? For years, stablecoin yields were sold as a low-risk way to earn passive income, especially for investors seeking the best crypto to buy now without extreme volatility. But as market conditions shift,

Digital banking has grown fast, and more than 1.75 billion accounts now move about $1.4 trillion each year. That scale is impressive, but the core problems haven’t changed much. Transfers are still slow, fees can add up quickly, and most of the system is controlled by a few central players. That gap has opened the