<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"><url><loc>https://genfinity.io/2026/04/22/pace-act-national-payments-license-fintechs-crypto-fed-access/</loc><lastmod>2026-04-22T11:20:16-04:00</lastmod><priority>0.9</priority><news:news><news:publication><news:name>Genfinity</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-04-22T11:20:12-04:00</news:publication_date><news:title>Bipartisan PACE Act Would Create a National Payments License for Fintechs and Crypto Firms</news:title><news:keywords>Crypto, Regulation, CLARITY Act, Congress, FedNow, Fedwire, FinTech, GENIUS Act, legislation, OCC, payment, regulation</news:keywords></news:news><image:image><image:loc>https://i0.wp.com/genfinity.io/wp-content/uploads/2026/04/image-9.jpg?fit=1440%2C720&#038;ssl=1</image:loc></image:image></url></urlset>