Crypto Market Structure Win-Win Gains Momentum, Says Coinbase CEO

Can a Crypto Market Structure Win-Win Satisfy Banks and Users?

On February 12, 2026, Coinbase CEO Brian Armstrong shared a vital update about the future of crypto in America. After high-stakes meetings at the White House, Armstrong is confident that a Coinbase US market structure win-win is close. This deal aims to balance the government's crypto plans with the concerns of traditional banks. Armstrong made it clear that Coinbase is "all in" and has been fighting for these rules long before they were popular. The goal is to create a fair system that helps the economy while keeping crypto users safe.

Source: X(formerly Twitter)

The push for a Coinbase US market structure win-win comes at a busy time for the industry. Coinbase recently attended two major meetings at the White House where different groups tried to find common ground. Armstrong’s main focus is to protect what matters most to people: core benefits like rewards. By staying at the table, Coinbase wants to ensure that any new laws passed in 2026 actually help the average person rather than just big financial institutions.

How the Coinbase US Market Structure Win-Win Benefits Users

A major part of the exchange US market structure win-win is about protecting stablecoin rewards. About six months ago, a law called the GENIUS Act was passed to help the industry. However, some lawmakers are now trying to change that law. They want to limit the rewards that crypto users can earn. Banks argue that these rewards are too similar to traditional bank deposits, creating unfair competition.

To reach this US market structure win-win, the industry is focusing on these key points:

• Protecting Rewards: Ensuring users can still earn benefits on their digital assets.

• Fair Rules for Banks: Addressing bank concerns without stifling new technology.

• Stronger Oversight: Giving the CFTC clear power to oversee the market.

• Innovation First: Making sure that decentralized finance (DeFi) can still grow in the U.S.

Recently, the Senate Agriculture Committee approved a version of the crypto bill with a narrow 12-11 vote. This shows how divided the government is on these rules. Armstrong has been vocal, saying, "We’d rather have no bill than a bad bill." This bold stance highlights why the exchange is fighting so hard for a deal that truly works for everyone.

Expert Analysis: The Path to a Triple Win

The current progress toward a US market structure win-win represents a "triple win" for the White House, banks, and crypto users. For the first time, the entire crypto industry is aligned on what needs to happen. By working together, these groups can finally create the "bright lines" that companies need to grow safely.

As we move toward the final vote in the Senate later this year, the focus will remain on finding a middle ground. While Coinbase recently faced a small technical glitch that was quickly fixed, its main priority is still the law. If a deal is reached, 2026 could be the year that the U.S. finally sets clear rules for the future of money. This would provide the stability needed for more people and businesses to use digital assets with confidence.

Your Money Your Life (YMYL) Disclaimer: U.S. crypto laws are changing quickly. New rules can affect the value of your assets. This report is for info only and is not financial advice.