參議員比爾·哈格蒂（Bill Bill Hagerty

該法案稱為天才（指導和建立在美國Stablecoins中的民族創新），旨在為Stablecoins提供明確的法規。

Senator Bill Hagerty is set to introduce legislation in the Senate to establish a regulatory framework for stablecoins, part of a broader effort to promote crypto-friendly policies that have been championed by Donald Trump.

參議員比爾·哈格蒂（Bill Hagerty）將在參議院介紹立法，以建立一個為穩定的監管框架，這是促進唐納德·特朗普（Donald Trump）倡導的加密友好政策的更廣泛努力的一部分。

The bill, called the GENIUS (Guiding and Establishing National Innovation in U.S. Stablecoins) Act, aims to provide clear regulations for stablecoins, a type of cryptocurrency that is pegged to the value of the U.S. dollar.

該法案被稱為天才（指導和建立美國Stablecoins的國家創新）法案，旨在為Stablecoins提供明確的法規，該法規是一種與美元價值有關的加密貨幣。

According to the bill’s draft, which was obtained by Bloomberg, the aim is to have stablecoins serve as a bridge between crypto and traditional finance. Supporters believe that federal regulation will legitimize the asset class and lead to broader adoption.

根據彭博社獲得的法案草案，其目的是讓穩定幣充當加密貨幣和傳統金融之間的橋樑。支持者認為，聯邦法規將使資產類別合法化並導致更廣泛的採用。

Here are the key points of the bill, as shared by Wu on Twitter:

WU在Twitter上共享的是法案的要點：

According to Hagerty's October draft, the bill sets clear rules for stablecoins, which are digital assets pegged to the U.S. dollar to ensure stability in value. Stablecoin issuers must meet specific licensing and reserve requirements to ensure they have sufficient backing. Issuers with over $10 billion in stablecoin assets will follow Federal Reserve rules, while smaller issuers will follow state regulations. The bill aims to promote financial inclusion, make transactions more efficient and strengthen the U.S. dollar globally.

根據Hagerty的十月草稿，該法案為Stablecoins制定了明確的規則，該規則是將數字資產固定到美元的數字資產，以確保價值穩定。 Stablecoin發行人必須滿足特定的許可和預備要求，以確保他們具有足夠的支持。超過100億美元的Stablecoin資產的發行人將遵守美聯儲規則，而較小的發行人將遵守州法規。該法案旨在促進金融包容性，使交易效率更高，並在全球範圍內加強美元。

“My legislation establishes a safe and pro-growth regulatory framework that will unleash innovation and advance the President’s mission to make America the world capital of crypto,” Hagerty, a Tennessee Republican, said in a statement.

田納西州共和黨人哈格蒂（Hagerty）在一份聲明中說：“我的立法建立了一個安全而增長的監管框架，該框架將釋放創新並促進總統使美國成為全球加密貨幣的使命。”

The bill is being co-sponsored by Senators Kirsten Gillibrand (D-NY), Tim Scott (R-SC) and Cynthia Lummis (R-WY). It also mandates that stablecoin issuers file audited monthly reports on the reserves backing their stablecoins. Falsifying reports would be subject to criminal penalties.

該法案由參議員Kirsten Gillibrand（D-NY），Tim Scott（R-SC）和Cynthia Lummis（R-WY）共同贊助。它還要求Stablecoin發行人對支持其穩定的儲備金進行審核的月度報告。偽造的報告將受到刑事處罰。

According to Senate staffers, the bill is expected to move quickly through committees and will be discussed further in an upcoming press conference with David Sacks.

參議院工作人員認為，該法案有望通過委員會迅速進行，並將在即將舉行的新聞發布會上與大衛·薩克斯（David Sacks）進行進一步討論。

Nonbank stablecoin issuers would be regulated by the Office of the Comptroller of the Currency, which is part of the Treasury Department. Last month, Trump signed an executive order that encourages the development of lawful, dollar-backed stablecoins around the world. The order also halted further progress on a central bank digital currency, which is seen as a competitor to stablecoins.

非銀行Stablecoin發行人將由貨幣審計長辦公室（是財政部的一部分）監管。上個月，特朗普簽署了一項行政命令，該命令鼓勵全球合法的，以美元支持的穩定者的發展。該命令還停止了中央銀行數字貨幣的進一步進展，該貨幣被視為穩定幣的競爭對手。

While the order does set up a group to recommend a digital asset regulatory framework, any actual policy changes would need to be approved by Congress. Notably, both Democrats and Republicans have expressed interest in regulating stablecoins.

雖然該訂單確實成立了一個小組，以推薦數字資產監管框架，但任何實際的政策更改都需要得到國會的批准。值得注意的是，民主黨人和共和黨都對調節穩定的股份表示興趣。