美國參議院的銀行家及其盟友正在反對指導和建立國家創新（Genius）法案（GENIUS）法案

根據美國銀行家的一篇文章，該法案需要60票才能通過參議院，這意味著至少有7名民主黨人必須向共和黨投票

Bankers and their allies in the US Senate are pushing back against the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act over fears that stablecoins will disintermediate banks and erode banking market share.

銀行家及其在美國參議院的盟友正在反對指導和建立國家創新（Genius）（GENIUS）法案（GENIUS），因為擔心Stablecoins會剝奪了中級銀行和侵蝕銀行市場份額。

According to an article from American Banker, the bill requires 60 votes to pass in the Senate, meaning that at least seven Democrats will have to vote with Republicans to push through the Act.

根據美國銀行家的一篇文章，該法案要求60票通過參議院通過，這意味著至少有7名民主黨人將不得不向共和黨人投票，以推動該法案。

This could prove a difficult proposition, as US Senator Elizabeth Warren, one of crypto’s staunchest political critics, is proposing an amendment prohibiting tech firms from issuing stablecoins. Warren wrote:

這可能會證明一個艱難的主張，因為美國參議員伊麗莎白·沃倫（Elizabeth Warren）是加密貨幣最堅定的政治批評家之一，他提出了一項修正案，禁止科技公司發行Stablecoins。沃倫寫道：

Digital assets continue to be a disruptive force in finance and banking due to near-instant settlement times and cheaper transaction fees, which significantly reduce the burden of cross-border payments and introduce peer-to-peer transactions.

由於近乎建立的時間和更便宜的交易費用，數字資產仍然是金融和銀行業務的破壞力，這大大減輕了跨境支付的負擔並引入了點對點交易。

Page one of the GENIUS Act of 2025. Source: US Senate

第2025年《天才法》的第一頁。資料來源：美國參議院

Related: The GENIUS stablecoin bill is a CBDC trojan horse — DeFi exec

相關：天才Stablecoin法案是CBDC特洛伊木馬 - Defi Exec

Stablecoins: The way forward for USD in the 21st century?

Stablecoins：21世紀美元的前進方向？

The GENIUS stablecoin bill was introduced by Senator Bill Hagerty on Feb. 4 as a comprehensive regulatory framework for tokenized US dollars.

Genius Stablecoin法案是由參議員Bill Hagerty於2月4日提出的，是用於代幣的全面監管框架。

Shortly after the bill was introduced to the US Senate, Federal Reserve Bank Governor Christopher Waller said non-banks should be allowed to issue stablecoins.

聯邦儲備銀行州長克里斯托弗·沃勒（Christopher Waller）表示，該法案被介紹給美國參議院後不久，應允許非銀行發行穩定的人。

Waller argued that stablecoins could expand payment use cases, particularly in the developing world, due to their cost-savings and efficiency.

沃勒（Waller）辯稱，由於其成本節省和效率，Stablecoins可以擴大付款用例，尤其是在發展中國家。

Stablecoin fees vs. legacy payment processing solutions. Source: Simon Taylor

Stablecoin費用與傳統付款處理解決方案。資料來源：西蒙·泰勒（Simon Taylor）

Bank of America CEO Brian Moynihan told an audience at the Economic Club of Washington DC that the bank may enter the stablecoin business — likely launching its own dollar-pegged stable token.

美國銀行首席執行官布萊恩·莫伊尼漢（Brian Moynihan）在華盛頓特區經濟俱樂部的聽眾說，該銀行可能會進入Stablecoin業務 - 可能會推出自己的Dollar-peggggggggggggggggggggggne stable代幣。

During the first White House Crypto Summit on March 7, Treasury Secretary Scott Bessent said the US will use stablecoins to extend US dollar dominance.

在3月7日的第一次白宮加密峰會上，財政部長斯科特·貝森特（Scott Bessent）表示，美國將使用Stablecoins擴大美元的統治地位。

Overcollateralized stablecoin issuers are collectively the 18th largest buyers of US government debt in the world — putting these firms ahead of countries like Germany and South Korea.

過度補充的Stablecoin發行人是美國政府債務的第18大買家，將這些公司領先於德國和韓國等國家。

By adopting pro-stablecoin policies and promoting stablecoin usage worldwide, the US government can use stablecoins as a sponge to soak up inflation and protect the dollar’s status as the global reserve currency.

通過採用Pro-Stablecoin政策並促進全球範圍內的Stablecoin使用，美國政府可以使用Stablecoins作為海綿來吸收通貨膨脹並保護美元作為全球儲備貨幣的地位。