针对加密行业风险的证明行为，专注于客户资金的安全处理和开放性

在FTX失败之后，美国参议员Thom Tillis和John Hickenlooper重新引入了证明法案。该法案针对加密行业的风险

Following the high-profile failure of FTX, which involved the mixing of customer and company funds, Senators Thom Tillis and John Hickenlooper have once again introduced the ‘Proving Reserves of Other Peoples’ Funds (PROOF) Act.’

在FTX备受瞩目的失败之后，涉及客户和公司资金的混合，参议员Thom Tillis和John Hickenlooper再次引入了“证明其他人的资金（证明）法案”的“证明储备”。

This legislation, which was initially unveiled in 2023, aims to mitigate specific risks within the cryptocurrency industry by focusing on the safe handling of customer money and promoting openness with investors.

该立法最初于2023年揭幕，旨在通过专注于安全处理客户货币并促进投资者开放性来减轻加密货币行业的特定风险。

The PROOF Act, which was first introduced by @SenThomTillis and @SenatorHick in 2023, would ban crypto custodians from co-mingling customer funds and require them to comply with monthly reserve inspections.

该证明法案是由@SenthomTillis和@SenatorHick于2023年首次提出的，该法案将禁止加密保管人共同汇总客户资金，并要求他们遵守每月的储备检查。

The bill is designed to help prevent another FTX situation.

该法案旨在帮助防止另一种FTX情况。

What Does the PROOF Act Require? No Fund Mixing, Monthly Reserve Checks

证明法需要什么？没有资金混合，每月储备金

The PROOF Act sets out to establish clear regulations for digital asset institutions in managing customer funds. A key focus is on the co-mingling of customer funds with institutional or proprietary assets.

《证明法案》旨在为管理客户资金制定清晰的数字资产机构规定。一个重点是将客户资金与机构或专有资产共同建立。

This practice, which was a factor in FTX’s failure, used to allow crypto firms to misuse customer deposits for their own purposes, posing significant risks to investors. By forbidding this practice and placing the onus on institutions to comply with monthly Proof of Reserves (PoR) inspections, the bill aims to create a safer investing climate.

这种做法是FTX失败的一个因素，用于允许加密公司滥用客户存款出于自己的目的，对投资者构成了重大风险。通过禁止这种做法，并将责任放在机构上，以遵守每月的储备证明（POR）检查，该法案旨在创造一种更安全的投资气候。

These audits will be conducted by independent auditors, who will also be tasked with confirming the results and submitting them to the US Treasury for subsequent public release. This will make it easier for investors to verify that exchanges and custodians have the necessary assets to meet their obligations.

这些审核将由独立审计师进行，他们还将负责确认结果并将其提交给美国财政部以进行随后的公开发布。这将使投资者更容易验证交易所和保管人有必要的资产来履行其义务。

Institutions found in violation of these regulations will face administrative fines, with penalties increasing for repeat offenders.

发现违反这些法规的机构将面临行政罚款，对反复犯罪者的处罚增加。

How PoR Contributes to Safer Customer Funds

POR如何为更安全的客户资金做出贡献

Proof of Reserves, a technology used in crypto to ensure transparency in a firm’s financial standing, is at the heart of this legislation.

这项立法的核心是储备证明，这是一项用于确保公司财务状况透明的技术。

It leverages crypto’s capabilities to allow exchanges and custodians to demonstrate that they hold sufficient assets to cover the balances reported in their customers’ accounts.

它利用加密货币的能力使交易所和托管人证明他们持有足够的资产来涵盖客户帐户中报告的余额。

This can be achieved through various methods, including Merkle trees or zero-knowledge proofs, which are already employed in the crypto industry for different use cases. The PROOF Act aims to standardize these procedures and ensure the audits are conducted by credible third parties, ultimately enhancing the reliability of the information being provided.

这可以通过各种方法，包括默克树或零知识证明，这些方法已经在加密货币行业用于不同用例。 《证明法》旨在标准化这些程序，并确保可靠的第三方进行审核，最终提高所提供信息的可靠性。

Can Mandatory PoR Audits and Clear Rules Build Crypto Investor Trust?

强制性的POR审核和明确的规则可以建立加密投资者信任吗？

The bill also touches upon the broader need for clear rules and standards in an industry that has lacked consistent oversight, especially as institutions navigate the complexities of new technologies and financial instruments.

该法案还涉及缺乏一致监督的行业中对明确规则和标准的广泛需求，尤其是当机构导航新技术和金融工具的复杂性时。

With institutions required to undergo regular PoR checks and the results being placed in the public domain, the PROOF Act focuses on digital asset institutions being held directly accountable to the public. This approach will be integral in establishing greater transparency.

由于需要定期进行POR检查并将结果放在公共领域中，因此《证明法》的重点是直接对公众负责的数字资产机构。这种方法将是建立更高透明度的组成部分。