PANews reported on October 5 that Patrick Collison, co-founder of Stripe, tweeted that the stablecoin market structure is evolving, and issuers will have to offer competitive interest rates to customers. Patrick Collison pointed out that the average interest rate on U.S. savings deposits is only 0.4% (FDIC data), with about 4 trillion dollars in deposits still earning 0%; in Europe, the non-corporate deposit rate is only 0.25%, and corporate deposits only 0.51%. This situation will change: savers will (and should) receive capital returns closer to market levels. "After the GENIUS Act, some lobbying groups are currently pushing for further restrictions on any form of rewards associated with stablecoin deposits. The business imperative here is clear—low-interest deposits are certainly good—but in my view, such disrespectful practices toward consumers are doomed to fail."