According to Chainalysis data, stablecoins now represent 84% of all illicit cryptocurrency transaction volume—a striking figure that underscores a critical regulatory gap. The current yield loophole continues to fuel financial risks that extend far beyond the crypto ecosystem, creating vulnerabilities that smaller financial institutions and rural communities are particularly exposed to. Tightening enforcement around these mechanisms isn't just a technical policy adjustment; it's about protecting the financial stability of underserved regions and the people who depend on traditional banking infrastructure. The time to close these gaps before they widen further is now.