参议员比尔·哈格蒂（Bill Hagerty

该法案被称为指导和建立针对美国稳定法或天才法案的国家创新。

Senator Bill Hagerty (R-TN) will introduce a bill on Tuesday to establish a framework for stablecoins, a type of cryptocurrency that stays stable by being backed by the US dollar or other assets.

参议员比尔·哈格蒂（Bill Hagerty）（R-TN）将于周二提出一项法案，为Stablecoins建立一个框架，Stablecoins是一种加密货币，通过以美元或其他资产的支持来保持稳定。

The bill is called the "Guiding and Establishing National Innovation for US Stablecoins, or GENIUS Act." It has the support of Democratic Senator Kirsten Gillibrand (D-NY) and Republican Senators Tim Scott (R-SC) and Cynthia Lummis (R-WY).

该法案称为“为美国稳定者或天才法案的指导和建立国家创新”。它得到了民主党参议员柯斯滕·吉利布兰（D-NY）和共和党参议员蒂姆·斯科特（R-SC）和辛西娅·卢米斯（R-WY）的支持。

"This legislation will provide a clear and predictable regulatory framework that encourages innovation and supports President Trump's goal of making the U.S. a leader in crypto," Hagerty said in a statement.

哈格蒂在一份声明中说：“这项立法将提供一个明确，可预测的监管框架，鼓励创新，并支持特朗普总统使美国成为加密货币领导者的目标。”

The legislation outlines rules for issuing stablecoin payments. It requires stablecoin payments to be backed with cash, Treasury bills, or other safe assets. Companies issuing stablecoins must also submit monthly audited reports on their reserves, with penalties for false reporting.

该立法概述了发行Stablecoin付款的规则。它要求使用现金，国库账单或其他安全资产来支持Stablecoin付款。发行Stablecoins的公司还必须提交有关其储备金的每月审核报告，并对虚假报告处罚。

The stablecoin market reached a valuation of $205 billion by the end of 2024. The market is largely dominated by cryptocurrency firm Tether Holdings Ltd. Cantor Fitzgerald, owned by incoming Commerce Secretary Howard Lutnick, has a stake in Tether.

到2024年底，Stablecoin市场的估值达到了2050亿美元。该市场在很大程度上由加密货币公司Tether Holdings Ltd. Cantor Fitzgerald主导，由即将上任的商务部长Howard Lutnick拥有。

The bill would require stablecoin issuers to submit monthly audited reports on their reserves. Providing false information would be subject to criminal penalties.

该法案将要求Stablecoin发行人每月提交有关其储备金的审计报告。提供虚假信息将受到刑事处罚。

Regulators have raised concerns about whether stablecoin issuers, such as Tether's USDT, have sufficient reserves to handle large withdrawals during market stress. Nonbank stablecoin issuers would be regulated by the Office of the Comptroller of the Currency (OCC), a bureau within the Treasury Department.

监管机构对Tether的USDT等发行人是否有足够的储备来处理在市场压力期间进行大型撤离的担忧。非银行Stablecoin发行人将由货币审计长办公室（OCC）（欧洲局）的局内部的局监管。

Trump has pledged to support the crypto industry by easing regulations and appointing crypto-friendly officials. Trump was once skeptical of crypto, but he shifted his position during the 2024 election as crypto executives backed his campaign.

特朗普已承诺通过放松法规并任命对加密货币友好的官员来支持加密货币行业。特朗普曾经对加密货币持怀疑态度，但他在2024年大选期间转移了自己的立场，因为加密高管支持了他的竞选活动。

Last month, Trump issued an executive order to promote the development of digital assets in the United States. He also halted work on a central bank digital currency (CBDC), which some view as a competitor to stablecoins.

上个月，特朗普发布了一项行政命令，以促进美国数字资产的发展。他还停止了中央银行数字货币（CBDC）的工作，其中有些人认为这是竞争对手的稳定者。

While his order created a team to recommend new crypto rules, any actual policy changes would need approval from Congress. Both Democrats and Republicans have expressed interest in setting stablecoin regulations.

尽管他的命令创建了一个团队推荐新的加密规则，但任何实际的政策更改都需要获得国会的批准。民主党人和共和党人都对制定稳定法规表示兴趣。

Trump's approach stands in contrast to that of former President Biden, who was skeptical of crypto and focused on investigations and enforcement rather than establishing clear rules.

特朗普的做法与前总统拜登（Biden）相反，后者对加密货币持怀疑态度，专注于调查和执法，而不是制定明确的规则。