兩黨的支持增長了《天才法》，增加了穩定法案的機會

特朗普政府一直是加密貨幣和穩定法案的強有力的倡導者。但是現在，兩黨對加密貨幣的支持正在增長

The Trump administration was a vocal supporter of crypto and advocated for a stablecoin bill during his term. Now, the Biden administration is also showing interest in crypto regulation as bipartisan support for cryptocurrency is growing, which might increase the chances of the stablecoin bill passing.

特朗普政府是加密貨幣的聲音支持者，並在任期期間提倡制定法案。現在，隨著兩黨對加密貨幣的支持正在增長，拜登政府也表現出對加密法規的興趣，這可能會增加穩定法案通過的機會。

According to a latest Bloomberg report, the Financial Services Committee will be reviewing the stablecoin bill on April 2. This development showcases the cryptocurrency industry’s expanding footprint in Washington, D.C., fueled by bipartisan support from figures like Senator Kirsten Gillibrand and substantial campaign contributions that have solidified industry allies.

根據彭博社的最新報告，金融服務委員會將於4月2日審查Stablecoin法案。這項發展展示了加密貨幣行業在華盛頓特區的擴大足跡，這是由參議員Kirsten Gillibrand等兩黨支持的支持，以及具有鞏固工業的實質性競選貢獻的人物。

The GENIUS Act, which aims to regulate stablecoins and introduce consumer protection measures, has secured support from both Republicans and Democrats. A key House Committee is set to vote in favor of the bill, indicating the increasing momentum behind it. The act will serve to regulate stablecoins and add more consumer protection policies.

《天才法》旨在規範穩定劑並採取消費者保護措施，並獲得了共和黨和民主黨人的支持。一個主要的眾議院委員會將投票支持該法案，表明其背後的勢頭越來越大。該法案將有助於規範穩定劑並添加更多的消費者保護政策。

Senators Bill Hagerty (R-TN) and Tim Scott (R-SC) took the initiative to introduce the bill, which has quickly garnered support from both Republicans and Democrats. On March 13, the Senate Banking Committee voted to advance the Genius Act, with five Democrats joining the Republican majority in backing it.

參議員比爾·哈格蒂（Bill Hagerty）（R-TN）和蒂姆·斯科特（Tim Scott）（R-SC）主動提出了該法案，該法案迅速獲得了共和黨和民主黨人的支持。 3月13日，參議院銀行委員會投票決定推進《天才法》，五名民主黨人加入了共和黨多數派的支持。

If the House approves the bill, stablecoin issuers can choose between federal or state charters, depending on their market size. Foreign issuers will also be required to follow U.S. rules on reserves, anti-money laundering, and sanctions compliance and liwuiduty.

如果眾議院批准該法案，Stablecoin發行人可以根據其市場規模在聯邦或州憲章之間進行選擇。外國發行人還必須遵守我們關於儲備金，反洗錢以及製裁合規性和利瓦特迪的規則。

“The reserve requirements and anti-money laundering requirements all fall neatly for RLSUD and USDC,” said Jeremy Hogan, partner at the law firm Hogan & Hogan.

律師事務所Hogan＆Hogan的合夥人Jeremy Hogan說：“儲備要求和反洗錢的要求都對RLSUD和USDC進行了整齊。”

The bill's supporters, including Chairman French Hill, highlight the urgency of regulating the stablecoin market to mitigate risks and ensure stability. They believe that regulating stablecoins would ultimately strengthen the dollar and enhance payment systems.

該法案的支持者（包括法國山地主席）強調了規範Stablecoin市場以減輕風險並確保穩定的緊迫性。他們認為，調節穩定劑最終將加強美元並增強支付系統。

Crypto firms have actively lobbied for the bill, presenting it as an opportunity to boost financial inclusion and provide cheaper, faster transactions. However, critics like Top Democrat Maxine Waters and Senator Elizabeth Warren maintain that the bill does not go far enough in protecting consumers.

加密公司已積極遊說該法案，這是一個促進金融包容性並提供更便宜，更快的交易的機會。但是，諸如民主黨頂級麥克西恩·沃特斯（Maxine Waters）和伊麗莎白·沃倫（Elizabeth Warren）參議員之類的批評者認為，該法案在保護消費者方面還不夠遠。

Moreover, they advocated for a ban on tech companies, particularly Elon Musk's X or Meta Platforms Inc.'s Facebook, to prevent them from issuing their own stablecoins.

此外，他們提倡禁止科技公司，尤其是埃隆·馬斯克（Elon Musk）的X或Meta Platform Inc.的Facebook，以防止他們發行自己的穩定者。

Despite the support, the bill has faced criticism. Some critics are concerned about the lack of FDIC insurance for stablecoins, which could leave users vulnerable to significant losses if a token crashes.

儘管得到了支持，該法案仍面臨批評。一些批評家擔心stablecoins缺乏FDIC保險，如果代幣墜毀，這可能會使用戶容易遭受巨大的損失。