两党的支持增长了《天才法》，增加了稳定法案的机会

特朗普政府一直是加密货币和稳定法案的强有力的倡导者。但是现在，两党对加密货币的支持正在增长

The Trump administration was a vocal supporter of crypto and advocated for a stablecoin bill during his term. Now, the Biden administration is also showing interest in crypto regulation as bipartisan support for cryptocurrency is growing, which might increase the chances of the stablecoin bill passing.

特朗普政府是加密货币的声音支持者，并在任期期间提倡制定法案。现在，随着两党对加密货币的支持正在增长，拜登政府也表现出对加密法规的兴趣，这可能会增加稳定法案通过的机会。

According to a latest Bloomberg report, the Financial Services Committee will be reviewing the stablecoin bill on April 2. This development showcases the cryptocurrency industry’s expanding footprint in Washington, D.C., fueled by bipartisan support from figures like Senator Kirsten Gillibrand and substantial campaign contributions that have solidified industry allies.

根据彭博社的最新报告，金融服务委员会将于4月2日审查Stablecoin法案。这项发展展示了加密货币行业在华盛顿特区的扩大足迹，这是由参议员Kirsten Gillibrand等两党支持的支持，以及具有巩固工业的实质性竞选贡献的人物。

The GENIUS Act, which aims to regulate stablecoins and introduce consumer protection measures, has secured support from both Republicans and Democrats. A key House Committee is set to vote in favor of the bill, indicating the increasing momentum behind it. The act will serve to regulate stablecoins and add more consumer protection policies.

《天才法》旨在规范稳定剂并采取消费者保护措施，并获得了共和党和民主党人的支持。一个主要的众议院委员会将投票支持该法案，表明其背后的势头越来越大。该法案将有助于规范稳定剂并添加更多的消费者保护政策。

Senators Bill Hagerty (R-TN) and Tim Scott (R-SC) took the initiative to introduce the bill, which has quickly garnered support from both Republicans and Democrats. On March 13, the Senate Banking Committee voted to advance the Genius Act, with five Democrats joining the Republican majority in backing it.

参议员比尔·哈格蒂（Bill Hagerty）（R-TN）和蒂姆·斯科特（Tim Scott）（R-SC）主动提出了该法案，该法案迅速获得了共和党和民主党人的支持。 3月13日，参议院银行委员会投票决定推进《天才法》，五名民主党人加入了共和党多数派的支持。

If the House approves the bill, stablecoin issuers can choose between federal or state charters, depending on their market size. Foreign issuers will also be required to follow U.S. rules on reserves, anti-money laundering, and sanctions compliance and liwuiduty.

如果众议院批准该法案，Stablecoin发行人可以根据其市场规模在联邦或州宪章之间进行选择。外国发行人还必须遵守我们关于储备金，反洗钱以及制裁合规性和利瓦特迪的规则。

“The reserve requirements and anti-money laundering requirements all fall neatly for RLSUD and USDC,” said Jeremy Hogan, partner at the law firm Hogan & Hogan.

律师事务所Hogan＆Hogan的合伙人Jeremy Hogan说：“储备要求和反洗钱的要求都对RLSUD和USDC进行了整齐。”

The bill's supporters, including Chairman French Hill, highlight the urgency of regulating the stablecoin market to mitigate risks and ensure stability. They believe that regulating stablecoins would ultimately strengthen the dollar and enhance payment systems.

该法案的支持者（包括法国山地主席）强调了规范Stablecoin市场以减轻风险并确保稳定的紧迫性。他们认为，调节稳定剂最终将加强美元并增强支付系统。

Crypto firms have actively lobbied for the bill, presenting it as an opportunity to boost financial inclusion and provide cheaper, faster transactions. However, critics like Top Democrat Maxine Waters and Senator Elizabeth Warren maintain that the bill does not go far enough in protecting consumers.

加密公司已积极游说该法案，这是一个促进金融包容性并提供更便宜，更快的交易的机会。但是，诸如民主党顶级麦克西恩·沃特斯（Maxine Waters）和伊丽莎白·沃伦（Elizabeth Warren）参议员之类的批评者认为，该法案在保护消费者方面还不够远。

Moreover, they advocated for a ban on tech companies, particularly Elon Musk's X or Meta Platforms Inc.'s Facebook, to prevent them from issuing their own stablecoins.

此外，他们提倡禁止科技公司，尤其是埃隆·马斯克（Elon Musk）的X或Meta Platform Inc.的Facebook，以防止他们发行自己的稳定者。

Despite the support, the bill has faced criticism. Some critics are concerned about the lack of FDIC insurance for stablecoins, which could leave users vulnerable to significant losses if a token crashes.

尽管得到了支持，该法案仍面临批评。一些批评家担心stablecoins缺乏FDIC保险，如果代币坠毁，这可能会使用户容易遭受巨大的损失。