美国参议院的天才法案

美国参议院银行委员会选择推进指导和建立为美国稳定法（GENIUS）法案的国家创新

The U.S. Senate Banking Committee has voted to advance the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act in a 18-6 vote on Friday, according to a press release by the committee.

根据该委员会的新闻稿，美国参议院银行委员会已投票通过周五以18票对6票推进指导和建立国家创新（GENIUS）法案。

None of the amendments proposed by Senator Elizabeth Warren (D-MA) made it into the bill, which will now go to the full Senate for a vote.

参议员伊丽莎白·沃伦（Elizabeth Warren）（D-MA）提出的任何修正案都没有纳入该法案，该法案现在将全部参议院进行投票。

One of the amendments proposed by Senator Warren would have limited the issuance of stablecoins to banking institutions.

沃伦参议员提出的一项修正案将限制将稳定的签发给银行机构。

“Without changes, this bill will supercharge the financing of terrorism. It will make sanctions evasion by Iran, North Korea, and Russia easier,” said Senator Warren.

“没有变化，该法案将增强恐怖主义的融资。这将使伊朗，朝鲜和俄罗斯的逃避制裁更加容易。”参议员沃伦说。

Senator Elizabeth Warren proposes amendments to be included in the bill. Source: US Senate Banking Committee GOP

伊丽莎白·沃伦（Elizabeth Warren）参议员提议将修正案包括在该法案中。资料来源：美国参议院银行委员会共和党

However, Senator Tim Scott (R-SC), chairman of the Senate Banking Committee, said the bill is a victory for innovation.

但是，参议院银行委员会主席蒂姆·斯科特（R-SC）说，该法案是创新的胜利。

“This legislation is a major step forward in providing clear, comprehensive guidance for the future of crypto in the U.S.,” said Senator Scott. “It will create jobs, boost the economy, and ensure that the U.S. remains a leader in this rapidly developing industry.”

斯科特参议员说：“这项立法是为美国加密货币的未来提供明确，全面的指导的重要一步。” “它将创造就业机会，促进经济，并确保美国在这个迅速发展的行业中仍然是领导者。”

The bill must still pass a vote in both chambers of Congress before it is turned over to President Trump and ultimately signed into law.

该法案仍必须在国会的两个会议厅中投票，然后将其移交给特朗普总统并最终签署为法律。

However, the Senate Banking Committee advancing the bill represents the first step in clear, comprehensive legislation requested by the crypto industry.

但是，参议院银行委员会推进该法案是加密货币行业要求明确，全面立法的第一步。

Senator Tim Scott, chairman of the Senate Banking Committee, leads the hearing. Source: US Senate Banking Committee GOP

参议院银行委员会主席蒂姆·斯科特（Tim Scott）主持了听证会。资料来源：美国参议院银行委员会共和党

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

GENIUS Act gets overhaul to feature stricter provisions

天才法案大修以更严格的规定

Senator Bill Hagerty (R-TN), who introduced the bill in February 2025, defended the legislation against the proposed amendments from Senator.

参议员比尔·哈格蒂（Bill Hagerty）（R-TN）于2025年2月提出了该法案，他辩护了该立法，反对参议员提议的修正案。

Hagerty said the bill already includes provisions for consumer protection, Anti-Money Laundering, and crime prevention.

哈格蒂说，该法案已经包括消费者保护，反洗钱和预防犯罪的规定。

On March 10, Hagerty announced that the bill was updated to include stricter reserve requirements for stablecoin issuers, AML provisions, safeguards against terrorist financing, transparent risk management procedures, and stipulations for sanctions compliance.

3月10日，Hagerty宣布，该法案已更新，以包括对Stablecoin发行人，AML规定，防止恐怖主义融资的保障措施，透明风险管理程序以及对制裁合规规定的更严格的储备要求。

According to Dom Kwok, founder of the Web3 learning platform Easy A, the newly added provisions will make it harder for foreign stablecoin issuers to comply, giving US-based firms a competitive edge.

Web3 Learning Platform Easy A的创始人Dom Kwok表示，新添加的规定将使外国Stablecoin发行人更难遵守，从而使我们的基于我们的公司具有竞争优势。

Senator Bill Hagerty defends his bill from proposed amendments. Source: Senate Banking Committee GOP

参议员比尔·哈格蒂（Bill Hagerty）捍卫了他的法案免于拟议的修正案。资料来源：参议院银行委员会共和党

Attorney Jeremy Hogan said the GENIUS Act signals an impending merger of the traditional financial system with stablecoins.

律师杰里米·霍根（Jeremy Hogan）说，《天才法案》标志着传统金融体系即将与稳定的合并。

“The legislation is explicitly making plans for stablecoins to interact with the traditional digital banking system. The ‘merge’ is being planned,” the attorney wrote in a March 10 X post.

“该立法明确制定了与传统数字银行系统互动的计划。律师在3月10日的帖子中写道。

During the March 7 White House Crypto Summit, US Treasury Secretary Scott Bessent explicitly said that the Trump administration would leverage stablecoins to protect the US dollar’s global reserve status.

在3月7日的白宫加密峰会期间，美国财政部长斯科特·贝斯特（Scott Bessent）明确表示，特朗普政府将利用稳定者来保护美元的全球储备金。