美国参议院的银行家及其盟友正在反对指导和建立国家创新（Genius）法案（GENIUS）法案

根据美国银行家的一篇文章，该法案需要60票才能通过参议院，这意味着至少有7名民主党人必须向共和党投票

Bankers and their allies in the US Senate are pushing back against the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act over fears that stablecoins will disintermediate banks and erode banking market share.

银行家及其在美国参议院的盟友正在反对指导和建立国家创新（Genius）（GENIUS）法案（GENIUS），因为担心Stablecoins会剥夺了中级银行和侵蚀银行市场份额。

According to an article from American Banker, the bill requires 60 votes to pass in the Senate, meaning that at least seven Democrats will have to vote with Republicans to push through the Act.

根据美国银行家的一篇文章，该法案要求60票通过参议院通过，这意味着至少有7名民主党人将不得不向共和党人投票，以推动该法案。

This could prove a difficult proposition, as US Senator Elizabeth Warren, one of crypto’s staunchest political critics, is proposing an amendment prohibiting tech firms from issuing stablecoins. Warren wrote:

这可能会证明一个艰难的主张，因为美国参议员伊丽莎白·沃伦（Elizabeth Warren）是加密货币最坚定的政治批评家之一，他提出了一项修正案，禁止科技公司发行Stablecoins。沃伦写道：

Digital assets continue to be a disruptive force in finance and banking due to near-instant settlement times and cheaper transaction fees, which significantly reduce the burden of cross-border payments and introduce peer-to-peer transactions.

由于近乎建立的时间和更便宜的交易费用，数字资产仍然是金融和银行业务的破坏力，这大大减轻了跨境支付的负担并引入了点对点交易。

Page one of the GENIUS Act of 2025. Source: US Senate

第2025年《天才法》的第一页。资料来源：美国参议院

Related: The GENIUS stablecoin bill is a CBDC trojan horse — DeFi exec

相关：天才Stablecoin法案是CBDC特洛伊木马 - Defi Exec

Stablecoins: The way forward for USD in the 21st century?

Stablecoins：21世纪美元的前进方向？

The GENIUS stablecoin bill was introduced by Senator Bill Hagerty on Feb. 4 as a comprehensive regulatory framework for tokenized US dollars.

Genius Stablecoin法案是由参议员Bill Hagerty于2月4日提出的，是用于代币的全面监管框架。

Shortly after the bill was introduced to the US Senate, Federal Reserve Bank Governor Christopher Waller said non-banks should be allowed to issue stablecoins.

联邦储备银行州长克里斯托弗·沃勒（Christopher Waller）表示，该法案被介绍给美国参议院后不久，应允许非银行发行稳定的人。

Waller argued that stablecoins could expand payment use cases, particularly in the developing world, due to their cost-savings and efficiency.

沃勒（Waller）辩称，由于其成本节省和效率，Stablecoins可以扩大付款用例，尤其是在发展中国家。

Stablecoin fees vs. legacy payment processing solutions. Source: Simon Taylor

Stablecoin费用与传统付款处理解决方案。资料来源：西蒙·泰勒（Simon Taylor）

Bank of America CEO Brian Moynihan told an audience at the Economic Club of Washington DC that the bank may enter the stablecoin business — likely launching its own dollar-pegged stable token.

美国银行首席执行官布莱恩·莫伊尼汉（Brian Moynihan）在华盛顿特区经济俱乐部的听众说，该银行可能会进入Stablecoin业务 - 可能会推出自己的Dollar-peggggggggggggggggggggggne stable代币。

During the first White House Crypto Summit on March 7, Treasury Secretary Scott Bessent said the US will use stablecoins to extend US dollar dominance.

在3月7日的第一次白宫加密峰会上，财政部长斯科特·贝森特（Scott Bessent）表示，美国将使用Stablecoins扩大美元的统治地位。

Overcollateralized stablecoin issuers are collectively the 18th largest buyers of US government debt in the world — putting these firms ahead of countries like Germany and South Korea.

过度补充的Stablecoin发行人是美国政府债务的第18大买家，将这些公司领先于德国和韩国等国家。

By adopting pro-stablecoin policies and promoting stablecoin usage worldwide, the US government can use stablecoins as a sponge to soak up inflation and protect the dollar’s status as the global reserve currency.

通过采用Pro-Stablecoin政策并促进全球范围内的Stablecoin使用，美国政府可以使用Stablecoins作为海绵来吸收通货膨胀并保护美元作为全球储备货币的地位。