美國眾議院金融服務委員會促進“穩定法案”，旨在為Stablecoin法規創建專門的框架

據報導，旨在為Stablecoin法規創建專門的聯邦框架的穩定法案，據報導獲得了兩黨的大量支持。

The U.S. House Financial Services Committee took a major step forward Wednesday in advancing the “STABLE Act,” designed to create a dedicated federal framework specifically for stablecoin regulation.

美國眾議院金融服務委員會周三邁出了一步，旨在推進“穩定法案”，旨在創建專門針對Stablecoin法規的專門聯邦框架。

The bill, which has reportedly garnered significant bipartisan support, would provide essential regulatory clarity for the stablecoin sector, a market that has faced considerable uncertainty due to the rapid growth and evolution of digital assets generally in recent years.

據報導，該法案獲得了兩黨的大量支持，該法案將為Stablecoin行業提供基本的監管清晰度，該市場由於近年來數字資產的快速增長和發展，該市場面臨著相當大的不確定性。

Prominent members of the committee, including French Hill (R-AR), Ritchie Torres (D-NY), Tom Emmer (R-MN), and Bill Huizenga (R-MI), are among the key sponsors of the STABLE Act. The legislation is expected to pass out of the committee in the coming weeks.

委員會的傑出成員，包括法國山（R-AR），Ritchie Torres（D-NY），Tom Emmer（R-MN）和Bill Huizenga（R-MI），是該穩定法案的主要贊助商之一。預計該立法將在未來幾週內退出委員會。

See Also: Bitcoin Price Today: BTC Edges Up As Fed Minutes Show More Rate Hikes Likely

另請參閱：今天的比特幣價格：BTC邊緣上升，因為美聯儲會議記錄顯示更多的加息可能

What Is the STABLE Act?

什麼是穩定行為？

The STABLE Act, an acronym for Stablecoin Transparency and Accountability for a Better Ledger Economy, aims to establish a clear and practical regime for stablecoins used in or affecting U.S. commerce.

穩定的法案是穩定的透明度和對更好的分類帳經濟的責任的首字母縮寫，旨在為用於或影響美國商業的穩定機構建立清晰而實用的製度。

The bill would create a licensing regime for stablecoin issuers, setting forth capital and liquidity requirements, and consumer protection and anti-money laundering standards that must be met.

該法案將為Stablecoin發行人創建許可製度，制定資本和流動性要求，以及必須滿足的消費者保護和反洗錢標準。

The legislation would also require stablecoin issuers to maintain adequate reserves in a highly liquid, low-risk asset, such as Treasury securities, to ensure the stability of the pegged value of the stablecoin.

該立法還將要求Stablecoin發行人在高度流動的低風險資產（例如國庫券）中維持足夠的儲備，以確保Stablecoin固定價值的穩定性。

Why Is There a Need for STABLE Act?

為什麼需要穩定的行為？

The committee chairman, French Hill, highlighted the urgency of having clear federal regulations to ensure the safe and effective use of stablecoins within the U.S. financial system.

委員會主席法國山（French Hill）強調了製定明確的聯邦法規的緊迫性，以確保在美國金融體系內安全有效地利用Stablecoins。

“We need to set up the framework, the regimes, the rules of the road, and provide the certainty that is required for the U.S. to be the leader in this emerging technology,” Chairman Hill said.

主席希爾說：“我們需要建立框架，政權，道路規則，並提供美國成為這項新興技術領導者所需的確定性。”

He added that the bill aims to create practical “guardrails, not roadblocks” for ongoing financial innovation in this space.

他補充說，該法案旨在創建實用的“護欄，而不是障礙”，以在此領域進行持續的金融創新。

This perspective reportedly reflects the apparent bipartisan consensus reached within the committee: while stablecoin innovation is viewed as vital, it requires careful management to mitigate potential consumer protection and financial stability risks.

據報導，這種觀點反映了委員會中明顯的兩黨共識：雖然Stablecoin創新被認為是至關重要的，但它需要仔細的管理來減輕潛在的消費者保護和財務穩定風險。

What Are Stablecoins and Their Potential Benefits?

什麼是Stablecoins及其潛在的好處？

Stablecoins are a type of digital asset typically pegged to the value of a reserve asset, in this case, fiat currency as the U.S. dollar.

Stablecoins是一種數字資產，通常將其固定在儲備資產的價值上，在這種情況下，菲亞特貨幣為美元。

They offer a faster, more efficient alternative to traditional payment systems, making them appealing for facilitating low-cost global payments.

他們為傳統支付系統提供了更快，更有效的替代方案，使它們有吸引力促進低成本的全球付款。

Supporters of the STABLE Act argue that with a robust U.S. regulatory framework, dollar-pegged stablecoins could even help strengthen the U.S. dollar’s international position as the world’s primary reserve currency.

《穩定法案》的支持者認為，借助美國強大的監管框架，Dollar-Pegggggging Stablecoins甚至可以幫助加強美元作為全球主要儲備貨幣的國際地位。

Several other related digital asset bills were also discussed during Wednesday’s committee hearing.

在周三的委員會聽證會上還討論了其他幾項相關的數字資產法案。

These included H.R. 2392, titled the “Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025,” and H.R. 2384, the “Financial Technology Protection Act of 2025.”

其中包括HR 2392，標題為“ 2025年更好的分類帳（穩定）法案（穩定）法案的“ Stablecoin透明度和問責制”和HR 2384，“ 2025年的《金融技術保護法》。

These related bills, along with various proposed amendments discussed, broadly aim to address wider regulatory concerns surrounding new digital financial technologies and help ensure the safety of consumers and businesses interacting with them.

這些相關的法案以及討論的各種提議的修正案，旨在解決有關新的數字金融技術的更廣泛的監管問題，並有助於確保消費者和企業與他們互動的安全。

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