美國參議員提議全面穩定幣監管以保護消費者

作為全球穩定幣監管推動的一部分，兩位美國參議員提出了一項法案，提議建立穩定幣的全面監管框架，以平衡消費者保護和創新。 《Lummis-Gillibrand 支付穩定幣法案》規定 1:1 的現金或現金等價物儲備支持，禁止非儲備支持的穩定幣，旨在透過 FDIC 監管和解決流程防止非法活動並確保用戶安全。

Stablecoin Regulation Gains Momentum: US Senators Propose Comprehensive Oversight Framework

穩定幣監管勢頭強勁：美國參議員提出全面監督框架

Amidst growing global scrutiny and concerns over the stability and regulation of stablecoins, the United States has taken a significant step towards establishing a comprehensive legal framework for these digital assets. United States Senators Kirsten Gillibrand and Cynthia Lummis have introduced a groundbreaking bill, the "Lummis-Gillibrand Payment Stablecoin Act," aimed at striking a delicate balance between consumer protection and fostering innovation within the burgeoning stablecoin ecosystem.

在全球對穩定幣穩定性和監管日益嚴格的審查和擔憂之際，美國在為這些數位資產建立全面的法律框架方面邁出了重要一步。美國參議員克爾斯滕·吉利布蘭德(Kirsten Gillibrand) 和辛西婭·盧米斯(Cynthia Lummis) 提出了一項開創性的法案，即“盧米斯-吉利布蘭德支付穩定幣法案” ，旨在在消費者保護和新興穩定幣生態系統中促進創新之間取得微妙的平衡。

A Call for Clear and Comprehensive Regulation

呼籲明確和全面的監管

The Lummis-Gillibrand Payment Stablecoin Act seeks to establish a robust legal foundation for stablecoins, ensuring their safety, legality, and practicality within the financial system. This legislation comes as global authorities actively work to address the myriad challenges and opportunities posed by stablecoins.

Lummis-Gillibrand支付穩定幣法案旨在為穩定幣建立堅實的法律基礎，確保其在金融體系中的安全性、合法性和實用性。這項立法出台之際，全球當局正積極努力應對穩定幣帶來的無數挑戰和機會。

Key provisions of the bill mandate that stablecoin issuers maintain one-to-one reserves in cash or cash equivalents to back their tokens. This crucial measure aims to prevent potential market manipulations or financial instability that could arise from unbacked stablecoins.

該法案的關鍵條款要求穩定幣發行人維持一對一的現金或現金等價物儲備以支持其代幣。這項重要措施旨在防止無支持的穩定幣可能引起的潛在市場操縱或金融不穩定。

Recognizing the potential of stablecoins to enhance cross-border transactions, the bill seeks to facilitate faster and cheaper international payments. Senator Gillibrand emphasized the importance of this legislation, stating that it is essential to maintaining the US dollar's dominance, promoting responsible innovation, and protecting consumers.

該法案認識到穩定幣增強跨境交易的潛力，旨在促進更快、更便宜的國際支付。吉利布蘭德參議員強調了這項立法的重要性，並表示這對於維持美元的主導地位、促進負責任的創新和保護消費者至關重要。

User Safety at the Forefront

用戶安全放在首位

The proposed bill places user safety at its core. Stablecoin issuers would be integrated into the existing dual banking system of the United States, bringing them under the regulatory authority of both federal and state entities. This oversight structure would enable thorough monitoring of stablecoin activities, ensuring adherence to regulations.

擬議的法案將用戶安全置於其核心。穩定幣發行人將被納入美國現有的雙銀行體系，將其置於聯邦和州實體的監管之下。這種監督結構將能夠對穩定幣活動進行徹底監控，確保遵守法規。

In the event of issuer insolvency, the bill introduces measures for protecting consumers and maintaining stability in the financial system. It includes provisions for Federal Deposit Insurance Corporation (FDIC) conservatorship and resolution processes, providing a safety net for users.

如果發行人破產，該法案引入了保護消費者和維持金融體系穩定的措施。它包括聯邦存款保險公司 (FDIC) 監管和解決程序的規定，為用戶提供安全網。

Addressing Financial Misconduct, Fostering Innovation

解決財務不當行為，促進創新

The bill also seeks to prohibit the use of stablecoins for illegal activities such as money laundering. By reinforcing the legal framework within which stablecoins must operate, it aims to prevent illicit activities from tainting the digital asset industry.

該法案還旨在禁止使用穩定幣進行洗錢等非法活動。透過加強穩定幣必須運作的法律框架，旨在防止非法活動污染數位資產產業。

At the same time, the legislation recognizes the promise of stablecoins in supporting digital-native applications while fostering innovation in the financial sector. By providing a clear regulatory framework, the bill seeks to promote sector growth while safeguarding the interests of investors and the broader public.

同時，該立法認可了穩定幣在支持數位原生應用、同時促進金融領域創新的前景。透過提供明確的監管框架，該法案旨在促進行業成長，同時維護投資者和廣大公眾的利益。

Echoing Global Regulatory Momentum

響應全球監管勢頭

The Lummis-Gillibrand Payment Stablecoin Act aligns with the growing global focus on stablecoin regulation. The collapse of the TerraUSD (UST) stablecoin in 2022 has highlighted the urgent need for robust oversight of these assets.

Lummis-Gillibrand 支付穩定幣法案符合全球對穩定幣監管日益增長的關注。 TerraUSD (UST) 穩定幣在 2022 年的崩潰凸顯了對這些資產進行強有力監管的迫切需要。

Countries around the world are taking steps to establish clear regulatory frameworks for stablecoins. The United Kingdom has plans to issue new legislation on cryptocurrencies and stablecoins, while the European Union is set to implement the comprehensive Market in Crypto-assets (MiCA) regulation.

世界各國正在採取措施建立明確的穩定幣監管框架。英國計劃頒布有關加密貨幣和穩定幣的新立法，而歐盟也將實施全面的加密資產市場（MiCA）監管。

A Framework for Stability and Growth

穩定與成長的框架

The proposed Lummis-Gillibrand Payment Stablecoin Act exemplifies the increasing recognition of the need for stablecoin regulation. By establishing a clear and comprehensive legal framework, this legislation aims to promote safety, legality, and financial stability, while fostering responsible innovation in the digital asset ecosystem. As global regulatory efforts continue to gain momentum, it remains crucial for the United States to play a leading role in shaping a future where stablecoins contribute to the evolution of the financial landscape.

擬議的《魯米斯-吉利布蘭德支付穩定幣法案》體現了人們日益認識到穩定幣監管的必要性。透過建立清晰、全面的法律框架，該立法旨在促進安全、合法和金融穩定，同時促進數位資產生態系統中負責任的創新。隨著全球監管努力不斷增強，美國在塑造穩定幣促進金融格局演變的未來方面發揮主導作用仍然至關重要。