参议院银行委员会以两党支持以18票对6票通过了《天才法》，从而批准了参议院审议的法案。

参议员比尔·哈格蒂（Bill Hagerty）撰写了该法案，该法案得到了委员会所有共和党成员的支持，民主党参议员马克·沃纳（Mark Warner），安迪·金（Mark Warner），安迪·金（Andy Kim），丽莎·布朗特·罗切斯特（Lisa Blunt Rochester），鲁本·加勒戈（Ruben Gallego）和安吉拉·阿尔索布鲁克斯（Angela Alsobrooks）。

The Senate Banking Committee passed the GENIUS Act, a bill aiming to establish a U.S. regulatory framework for stablecoins, with bipartisan support on an 18-6 vote on Wednesday, clearing the legislation for the full Senate to consider.

参议院银行委员会通过了《天才法》，该法案旨在在周三以18票对6票的投票中获得两党的支持，并在两党的支持下建立了美国的监管框架，并清除了该立法，以供整个参议院考虑。

The bill, which was authored by Senator Bill Hagerty and received the support of all Republican members of the Committee and Democratic Senators Mark Warner, Andy Kim, Lisa Blunt Rochester, Ruben Gallego, and Angela Alsobrooks, passed the Committee after several months of discussion and a bipartisan effort to craft the legislation.

该法案是由参议员比尔·哈格蒂（Bill Hagerty）撰写的，并得到了委员会所有共和党成员的支持，民主党参议员马克·沃纳（Mark Warner），安迪·金（Mark Warner），安迪（Andy Kim），丽莎·布朗特·罗切斯特（Lisa Blunt Rochester），鲁本·加勒戈（Ruben Gallego）和安吉拉·阿尔索布鲁克斯（Angela Alsobrooks）通过了几个月的讨论以及一项努​​力来制定立法。

Hagerty expressed his satisfaction with the bill’s bipartisan support and highlighted its importance in fostering financial innovation and maintaining the U.S.’s leadership in digital assets.

Hagerty对法案的两党支持表示满意，并强调了其在促进金融创新和维持美国在数字资产方面的领导地位的重要性。

“This legislation is a critical first step in establishing a safe and pro-growth regulatory framework that will unleash innovation and advance the President’s mission to make America the world capital of crypto. I look forward to seeing this bill pass the Senate in the near future and ultimately signed into law by President Trump,” Hagerty stated.

“这项立法是建立安全和增长的监管框架的关键第一步，该框架将释放创新并促进总统使美国成为Crypto世界之都的使命。我期待在不久的将来看到这项法案通过参议院，并最终由特朗普总统签署为法律。”哈格蒂说。

The GENIUS Act proposes a framework for stablecoins that includes mandatory 1:1 reserves, to be held in U.S. dollars, insured bank deposits, or short-term Treasury bills, ensuring the backing of each issued token.

《天才法》提出了一个稳定币的框架，其中包括强制性的1：1储备金，以美元，保险的银行存款或短期财政账单持有，以确保每个发行的代币的支持。

Issuers would also have the option of federal oversight through the Office of the Comptroller of the Currency (OCC) or state-level supervision, provided that state regulations meet federal standards, creating a dual regulatory pathway.

发行人还可以选择通过货币（OCC）或州级监管办公室办公室进行联邦监督，前提是州法规符合联邦标准，并创建了双重监管途径。

Highlighting the importance of regulatory clarity, Committee Chairman Senator Tim Scott noted that certain industries and American consumers have been left in the dark for far too long.

委员会主席蒂姆·斯科特（Tim Scott）强调了监管清晰度的重要性，指出某些行业和美国消费者在黑暗中呆了太久了。

“This uncertainty also stifled innovation here at home, in America. That changes today with the GENIUS Act, which is a bipartisan step forward in ensuring that stablecoins are safe and reliable tools in the financial system,” Scott added.

“这种不确定性也扼杀了美国的家里的创新。今天的《天才法》（Genius Act）发生了变化，这是确保稳定剂在金融体系中安全可靠的工具方面向前迈进的一步。”

The Committee Chairman also mentioned taking action to “end the weaponization of financial regulators.” This statement could be linked to the bill’s content, which explicitly classifies stablecoins as non-securities, placing them outside the jurisdiction of the Securities and Exchange Commission (SEC), previously known for its “regulation by enforcement” approach.

委员会主席还提到采取行动“结束金融监管机构的武器化”。该声明可以与该法案的内容联系起来，该法案将稳定币明确归类为非安全性，将其置于证券交易委员会（SEC）（SEC）的管辖范围之外，此前以其“执法法规”方法而闻名。

Positive reactions

积极反应

A known advocate for crypto regulation and member of the Committee, Senator Cynthia Lummis highlighted the importance of the bill’s passage out of the Committee in advancing the regulatory framework for stablecoin issuers and providing the U.S. with a competitive edge in the rapidly evolving digital asset space.

参议员辛西娅·卢米斯（Cynthia Lummis）是加密监管法规和委员会成员的知名倡导者，强调了该法案从委员会中通过委员会的重要性，在促进Stablecoin发行人的监管框架方面，并在快速发展的数字资产空间中为美国提供了竞争优势。

“The Senate Banking Committee’s bipartisan vote to advance the GENIUS Act is a welcome step in the right direction. This legislation is a priority for advancing the role of the U.S. in the rapidly evolving digital asset space. It provides a clear and competitive framework for stablecoins, ensuring consumer protection and financial stability while fostering innovation and promoting the efficient allocation of capital. As the House prepares to return from August recess, I urge leadership to swiftly consider and advance this important legislation,” Lummis stated.

“参议院银行委员会对推进《天才法》的两党投票是朝着正确的方向迈出的可喜一步。这项立法是推进美国在快速发展的数字资产领域中的作用的优先事项。它为Stablecoins提供了一个明确而有竞争力的框架，确保消费者的保护和财务稳定，同时促进创新并促进资本的有效分配。当众议院准备从八月的休会返回时，我敦促领导人迅速考虑并推进这项重要的立法。”卢米斯说。

The bill’s progress was also praised by Circle CEO Jeremy Allaire, who described it as a massive move in Washington today, highlighting the bipartisan nature of the decision and its implications.

该法案的进步还受到了Circle首席执行官杰里米·阿莱尔（Jeremy Allaire）的称赞，后者将其描述为当今华盛顿的巨大举动，强调了该决定的两党性质及其含义。

“Congress is taking a step towards upgrading and making the dollar more competitive in the global financial system. This is a huge step towards upgrading and making the dollar more competitive,” Allaire concluded.

“国会正在朝着升级和使美元在全球金融体系中更具竞争力的一步。这是迈向升级和使美元更具竞争力的重要一步。” Allaire总结道。

Coinbase chief policy officer Faryar Shirzad thanked the senators for their support as the bill passed the Senate Banking Committee.

Coinbase首席政策官Faryar Shirzad感谢参议员通过参议院银行委员会的支持。

"We're grateful for the bipartisan support for the GENIUS Act, which will provide much-needed clarity and certainty for the digital asset industry and American consumers. A big step forward!" Shirzad stated.

“我们感谢两党对《天才法案》的支持，这将为数字资产行业和美国消费者提供急需的清晰度和确定性。向前迈出了一大步！”西尔扎德说。

Finally, Blockchain Association CEO Kristin Smith said she is pleased to see the Senate Banking Committee vote to advance the GENIUS Act one step further.

最后，区块链协会首席执行官克里斯汀·史密斯（Kristin Smith）表示，她很高兴看到参议院银行委员会投票进一步推进《天才法》。

"This legislation is a smart step in the right direction for American innovation and economic leadership. The House should return from August recess ready to pass this bill quickly and send it to President Trump's desk. Once enacted, the legislation will provide long-awaited clarity for stablecoin issuers and users, reinforcing the U.S.' role as a leader in digital currency regulation. This matters for the future of the U.S. dollar and the overall health of the financial system," Smith concluded.

“这项立法是朝着美国创新和经济领导的正确方向迈出的明智之举的一步。众议院应从八月份开始准备通过这项法案并将其寄给特朗普总统的办公桌。一旦颁布，该立法将为Stablecoin发行人和用户提供认可的清晰度，并为美国在数字货币中的领导者而加强了美国在数字货币中的领导者的作用。这是对未来的整体机构的统治。

The bill is now moving to the full Senate for a vote. If enacted, the legislation would provide long-awaited clarity for stablecoin issuers and users, reinforcing the U.S.’s role as a leader in digital currency regulation.

该法案现在正在全部参议院进行投票。如果制定，该立法将为Stablecoin发行人和用户提供期待已久的清晰度，从而加强了美国作为数字货币监管领导者的作用。