參議員比爾·哈格蒂（Bill Hagerty

該法案被稱為指導和建立針對美國穩定法或天才法案的國家創新。

Senator Bill Hagerty (R-TN) will introduce a bill on Tuesday to establish a framework for stablecoins, a type of cryptocurrency that stays stable by being backed by the US dollar or other assets.

參議員比爾·哈格蒂（Bill Hagerty）（R-TN）將於週二提出一項法案，為Stablecoins建立一個框架，Stablecoins是一種加密貨幣，通過以美元或其他資產的支持來保持穩定。

The bill is called the "Guiding and Establishing National Innovation for US Stablecoins, or GENIUS Act." It has the support of Democratic Senator Kirsten Gillibrand (D-NY) and Republican Senators Tim Scott (R-SC) and Cynthia Lummis (R-WY).

該法案被稱為“為美國穩定者或天才法案的指導和建立國家創新”。它得到了民主黨參議員柯斯滕·吉利布蘭（D-NY）和共和黨參議員蒂姆·斯科特（R-SC）和辛西婭·盧米斯（R-WY）的支持。

"This legislation will provide a clear and predictable regulatory framework that encourages innovation and supports President Trump's goal of making the U.S. a leader in crypto," Hagerty said in a statement.

哈格蒂在一份聲明中說：“這項立法將提供一個明確，可預測的監管框架，鼓勵創新，並支持特朗普總統使美國成為加密貨幣領導者的目標。”

The legislation outlines rules for issuing stablecoin payments. It requires stablecoin payments to be backed with cash, Treasury bills, or other safe assets. Companies issuing stablecoins must also submit monthly audited reports on their reserves, with penalties for false reporting.

該立法概述了發行Stablecoin付款的規則。它要求使用現金，國庫賬單或其他安全資產來支持Stablecoin付款。發行Stablecoins的公司還必須提交有關其儲備金的每月審核報告，並對虛假報告處罰。

The stablecoin market reached a valuation of $205 billion by the end of 2024. The market is largely dominated by cryptocurrency firm Tether Holdings Ltd. Cantor Fitzgerald, owned by incoming Commerce Secretary Howard Lutnick, has a stake in Tether.

到2024年底，Stablecoin市場的估值達到了2050億美元。該市場在很大程度上由加密貨幣公司Tether Holdings Ltd. Cantor Fitzgerald主導，由即將上任的商務部長Howard Lutnick擁有。

The bill would require stablecoin issuers to submit monthly audited reports on their reserves. Providing false information would be subject to criminal penalties.

該法案將要求Stablecoin發行人每月提交有關其儲備金的審計報告。提供虛假信息將受到刑事處罰。

Regulators have raised concerns about whether stablecoin issuers, such as Tether's USDT, have sufficient reserves to handle large withdrawals during market stress. Nonbank stablecoin issuers would be regulated by the Office of the Comptroller of the Currency (OCC), a bureau within the Treasury Department.

監管機構對Tether的USDT等發行人是否有足夠的儲備來處理在市場壓力期間進行大型撤離的擔憂。非銀行Stablecoin發行人將由貨幣審計長辦公室（OCC）（歐洲局）的局內部的局監管。

Trump has pledged to support the crypto industry by easing regulations and appointing crypto-friendly officials. Trump was once skeptical of crypto, but he shifted his position during the 2024 election as crypto executives backed his campaign.

特朗普已承諾通過放鬆法規並任命對加密貨幣友好的官員來支持加密貨幣行業。特朗普曾經對加密貨幣持懷疑態度，但他在2024年大選期間轉移了自己的立場，因為加密高管支持了他的競選活動。

Last month, Trump issued an executive order to promote the development of digital assets in the United States. He also halted work on a central bank digital currency (CBDC), which some view as a competitor to stablecoins.

上個月，特朗普發布了一項行政命令，以促進美國數字資產的發展。他還停止了中央銀行數字貨幣（CBDC）的工作，其中有些人認為這是競爭對手的穩定者。

While his order created a team to recommend new crypto rules, any actual policy changes would need approval from Congress. Both Democrats and Republicans have expressed interest in setting stablecoin regulations.

儘管他的命令創建了一個團隊推薦新的加密規則，但任何實際的政策更改都需要獲得國會的批准。民主黨人和共和黨人都對製定穩定法規表示興趣。

Trump's approach stands in contrast to that of former President Biden, who was skeptical of crypto and focused on investigations and enforcement rather than establishing clear rules.

特朗普的做法與前總統拜登（Biden）相反，後者對加密貨幣持懷疑態度，專注於調查和執法，而不是製定明確的規則。