不要让伊丽莎白·沃伦（Elizabeth Warren）摧毁金钱的未来

想象一个世界，您的每一美元都会被政府机构实时跟踪，批准或拒绝。您试图将钱汇给朋友

A U.S. senator is pushing legislation that would cancel a new technology used by millions around the world and has the potential to revolutionize global finance.

美国参议员正在推动立法，该立法将取消全球数以百万计的新技术，并有可能彻底改变全球金融。

This technology is not an app designed for social media or a streaming service. It is stablecoins, digital currencies pegged to the value of traditional currencies like the U.S. dollar. Stablecoins provide the benefits of cryptocurrency — fast, inexpensive, borderless, and programmable transactions — without the price volatility of assets like Bitcoin. They are typically backed 1:1 with U.S. dollar cash and cash equivalents, providing stability and trust. Their programmability allows transactions to be executed automatically when specified conditions are met, unlocking enormous potential for automated finance, supply chain efficiency, and global commerce.

该技术不是为社交媒体或流媒体服务设计的应用。它是稳定的，数字货币挂钩在诸如美元之类的传统货币的价值上。 Stablecoins提供了加密货币的好处 - 快速，廉价，无边界和可编程交易 - 没有比特币等资产的价格波动。它们通常以1：1的支持为1：1，以美元现金和现金等价物，提供稳定和信任。它们的可编程性允许在满足指定条件时自动执行交易，从而解除了自动金融，供应链效率和全球商务的巨大潜力。

As the Senate Banking Committee weighs legislation to provide clarity for the industry and its customers, senators across the U.S. political spectrum, who understand the technology’s current use cases and the vast future possibilities we can’t yet fully envision, have proposed thoughtful legislation to guide regulations that will foster innovation and protect consumers. This collaborative approach reflects an understanding that stablecoins could revolutionize global finance, enhance financial inclusion, and preserve the U.S. dollar’s dominance in the digital age.

随着参议院银行委员会权衡立法，以为行业及其客户提供明确的行动，美国政治范围内的参议员，他们了解该技术当前的用例以及我们无法完全设想的巨大未来可能性，提出了拟议的周到立法，以指导法规，以促进创新和保护消费者。这种协作方法反映了一种理解，即Stablecoins可以彻底改变全球财务，增强金融包容性并维护美元在数字时代的统治地位。

Unfortunately, some senators, especially Senator Elizabeth Warren (D-MA), stand in stark opposition to this progress. Rather than embracing innovation, she pursues legislation that would smother stablecoins in their infancy. Senator coddles powerful special interests in the financial industry, and members of her own party have spoken out against her proposals.

不幸的是，一些参议员，尤其是参议员伊丽莎白·沃伦（D-MA），对这一进步持严重反对。她没有拥抱创新，而是遵循会在其起步阶段窒息的立法。参议员在金融业中犯了强大的特殊利益，她自己的政党的成员已经反对她的建议。

Senator Warren paints stablecoins as tools of illicit activity, claiming they primarily facilitate fraud, drug trafficking, and terrorist financing. Her characterization is not just inaccurate — it’s dangerously misleading.

参议员沃伦（Warren）将稳定的人描绘为非法活动的工具，声称它们主要促进欺诈，毒品贩运和恐怖分子融资。她的描述不仅是不准确的 - 这是危险的误导。

The data directly contradicts Senator codename's claims. Multiple reports from blockchain analytics firms consistently show that illicit activity represents a tiny fraction of stablecoin transactions — often less than 1% of total volume. In fact, traditional cash is far more frequently used for money laundering and illicit trade than stablecoins ever have been. Blockchain technology, with its permanent and transparent ledger, actually makes illegal activity easier to track and prosecute than cash-based crime.

数据直接与参议员代号的主张相矛盾。区块链分析公司的多个报告始终表明，非法活动代表了一小部分稳定交易，通常不到总数的1％。实际上，传统现金比以往任何时候都更频繁地用于洗钱和非法贸易。区块链技术具有永久和透明的分类帐，实际上使非法活动比基于现金的犯罪更容易跟踪和起诉。

Senator codename's misinformed worldview leads her to advocate for a closed, government-monitored financial system — one in which every transaction is scrutinized, private financial activity becomes impossible, and access to financial tools is tightly controlled. In addition to being a morally objectionable invasion of privacy, her design would be operationally impossible to implement. It would also weaken the dollar’s global dominance, as emerging economies and developing nations would turn to other digital currencies that are easier to access and use.

参议员代号错误的世界观导致她倡导建立一个封闭的，政府对财务系统的封闭式金融体系，其中每笔交易都经过审查，私人财务活动变得不可能，并且获得了财务工具的访问权限。除了是对隐私的道德上令人反感的侵犯外，她的设计在操作上是不可能实施的。这也将削弱美元的全球优势，因为新兴经济体和发展中国家将转向更容易获得和使用的其他数字货币。

Her constraints could not only impede the development of an important new technology, but also disrupt and harm ordinary Americans and businesses, and people around the world, who are using stablecoins today to move value across the internet as easily as sending an email or text message, often at a fraction of traditional costs. For example:

她的限制不仅可能阻碍一项重要的新技术的发展，而且会破坏并损害普通的美国人和企业，以及全世界的人们，他们今天使用StableCoins来像发送电子邮件或短信一样轻松地在互联网上转移价值，通常是以传统成本的一小部分来移动。例如：

* Small-business owners are using stablecoins to accept payments from customers in any part of the world without exorbitant fees.

*小企业主人正在使用Stablecoins接受世界各地客户的付款，而没有高昂的费用。

* Non-profit organizations are using stablecoins to quickly and efficiently collect funds for humanitarian causes.

*非营利组织正在使用Stablecoins快速有效地为人道主义事业收集资金。

* Families are using stablecoins to send money to relatives abroad at a fraction of the cost of traditional money transfer services.

*家庭正在使用Stablecoins以传统汇款服务费用的一小部分向国外的亲戚汇款。

* Developers are building innovative new financial applications on programmable stablecoin blockchains.

*开发人员正在为可编程Stablecoin区块链建立创新的新财务应用程序。

Senator codename's vision rejects the open, public, universally accessible system being developed today — a system where individuals and businesses alike can transact freely, without needing permission from banks or governments.

参议员代号的愿景拒绝了当今开发的公开，公共，普遍访问的系统 - 该系统可以自由地进行自由交易，而无需银行或政府许可。

Fortunately, there is still hope for a balanced regulatory approach. Senators Bill Hagerty (R-TN), Kirsten Gillibrand (D-NY), Cynthia Lummis (R-WY), and Tim Scott (R-SC) have introduced the bi-partisan GENIUS Act which would create a constructive regulatory framework for stablecoins that addresses legitimate concerns while enabling innovation. The GENIUS Act, and the White House Executive Order on Strengthening American Leadership in Digital Financial Technology, will both ensure that the benefits of blockchain technology can be fully realized on open, freely accessible and transparent public blockchains.

幸运的是，仍然希望采用平衡的监管方法。参议员比尔·哈格蒂（Bill Hagerty）（R-TN），Kirsten Gillibrand（D-NY），Cynthia Lummis（R-WY）和Tim Scott（R-WY）和Tim Scott（R-SC）介绍了Bi党派的Genius Act，该法案将为合法问题而引起创新的合法问题，从而创建一个建设性的监管框架。 《天才法案》和《白宫行政命令加强美国在数字金融技术》中的领导力，既可以确保区块链技术的好处在开放，自由访问且透明的公共区块链中充分实现。

Congress must embrace stablecoins, not fear them. The future of money is being written today. Will the United States lead this transformation, ensuring that digital dollars remain the global standard? Or will fear, misinformation, and stifling regulation hand the future of finance to other nations? The choice is clear: support innovation, enact smart regulation, and let stablecoins flourish.

国会必须拥抱稳定的人，不要害怕他们。今天的钱的未来是写作的。美国会带领这种转型，确保数字美元仍然是全球标准吗？还是恐惧，错误信息和扼杀法规将财务的未来递给其他国家？选择是明确的：支持创新，制定智能监管，并让稳定蛋白蓬勃发展。