參議員Bill Hagerty介紹了規範Stablecoins的法案

《天才法》為穩定發行人建立了許可和儲備要求。資產超過100億美元的公司將由美聯儲監管

Senator Bill Hagerty (R-TN) has introduced a bill in the Senate that would regulate stablecoins in the United States. The legislation, officially titled the "Guiding and Establishing National Innovation for US Stablecoins Act," aims to provide a structured regulatory framework for stablecoin issuers.

參議員比爾·哈格蒂（Bill Hagerty）（R-TN）在參議院提出了一項法案，該法案將在美國規範穩定菌。該立法正式命名為“為美國Stablecoins法案的指導和建立國家創新”，旨在為Stablecoin發行人提供結構化的監管框架。

The bill, also known as the GENIUS Act, proposes clear guidelines on issuing and managing stablecoins, a type of cryptocurrency pegged to the US dollar. The legislation seeks to establish licensing and reserve requirements for stablecoin issuers.

該法案也稱為《天才法》，提出了有關發行和管理Stablecoins的明確指南，這是一種與美元掛鉤的加密貨幣。該立法旨在為Stablecoin發行人建立許可和保留要求。

Under the bill, companies with stablecoin assets exceeding $10 billion would be regulated by the Federal Reserve, while those with assets below that threshold would follow state-level regulations. The bill also mandates that stablecoin reserves consist of US currency, Treasury bills, and other approved assets.

根據該法案，穩定資產超過100億美元的公司將受到美聯儲的監管，而資產低於該門檻的公司將遵循州級法規。該法案還規定，穩定儲備由美國貨幣，國庫券和其他批准的資產組成。

The legislation outlines strict reporting requirements for stablecoin issuers to ensure transparency. Issuers would be required to submit audited reports every month detailing the reserves backing their stablecoins. False reporting would carry criminal penalties.

該立法概述了對Stablecoin發行人的嚴格報告要求，以確保透明度。發行人將被要求每月提交經過審核的報告，詳細介紹支持其穩定的儲備金。虛假報告將受到刑事處罰。

Nonbank stablecoin issuers would fall under the supervision of the Office of the Comptroller of the Currency (OCC), an independent bureau within the Treasury Department. This measure aims to establish federal oversight while allowing innovation in the crypto industry.

非銀行Stablecoin發行人將屬於貨幣審計長辦公室的監督（OCC），這是財政部內的獨立局。該措施旨在建立聯邦監督，同時允許加密行業的創新。