参议员Bill Hagerty介绍了规范Stablecoins的法案

《天才法》为稳定发行人建立了许可和储备要求。资产超过100亿美元的公司将由美联储监管

Senator Bill Hagerty (R-TN) has introduced a bill in the Senate that would regulate stablecoins in the United States. The legislation, officially titled the "Guiding and Establishing National Innovation for US Stablecoins Act," aims to provide a structured regulatory framework for stablecoin issuers.

参议员比尔·哈格蒂（Bill Hagerty）（R-TN）在参议院提出了一项法案，该法案将在美国规范稳定菌。该立法正式命名为“为美国Stablecoins法案的指导和建立国家创新”，旨在为Stablecoin发行人提供结构化的监管框架。

The bill, also known as the GENIUS Act, proposes clear guidelines on issuing and managing stablecoins, a type of cryptocurrency pegged to the US dollar. The legislation seeks to establish licensing and reserve requirements for stablecoin issuers.

该法案也称为《天才法》，提出了有关发行和管理Stablecoins的明确指南，这是一种与美元挂钩的加密货币。该立法旨在为Stablecoin发行人建立许可和保留要求。

Under the bill, companies with stablecoin assets exceeding $10 billion would be regulated by the Federal Reserve, while those with assets below that threshold would follow state-level regulations. The bill also mandates that stablecoin reserves consist of US currency, Treasury bills, and other approved assets.

根据该法案，稳定资产超过100亿美元的公司将受到美联储的监管，而资产低于该门槛的公司将遵循州级法规。该法案还规定，稳定储备由美国货币，国库券和其他批准的资产组成。

The legislation outlines strict reporting requirements for stablecoin issuers to ensure transparency. Issuers would be required to submit audited reports every month detailing the reserves backing their stablecoins. False reporting would carry criminal penalties.

该立法概述了对Stablecoin发行人的严格报告要求，以确保透明度。发行人将被要求每月提交经过审核的报告，详细介绍支持其稳定的储备金。虚假报告将受到刑事处罚。

Nonbank stablecoin issuers would fall under the supervision of the Office of the Comptroller of the Currency (OCC), an independent bureau within the Treasury Department. This measure aims to establish federal oversight while allowing innovation in the crypto industry.

非银行Stablecoin发行人将属于货币审计长办公室的监督（OCC），这是财政部内的独立局。该措施旨在建立联邦监督，同时允许加密行业的创新。