参议员比尔·哈格蒂（Bill Bill Hagerty

该法案称为天才（指导和建立在美国Stablecoins中的民族创新），旨在为Stablecoins提供明确的法规。

Senator Bill Hagerty is set to introduce legislation in the Senate to establish a regulatory framework for stablecoins, part of a broader effort to promote crypto-friendly policies that have been championed by Donald Trump.

参议员比尔·哈格蒂（Bill Hagerty）将在参议院介绍立法，以建立一个为稳定的监管框架，这是促进唐纳德·特朗普（Donald Trump）倡导的加密友好政策的更广泛努力的一部分。

The bill, called the GENIUS (Guiding and Establishing National Innovation in U.S. Stablecoins) Act, aims to provide clear regulations for stablecoins, a type of cryptocurrency that is pegged to the value of the U.S. dollar.

该法案被称为天才（指导和建立美国Stablecoins的国家创新）法案，旨在为Stablecoins提供明确的法规，该法规是一种与美元价值有关的加密货币。

According to the bill’s draft, which was obtained by Bloomberg, the aim is to have stablecoins serve as a bridge between crypto and traditional finance. Supporters believe that federal regulation will legitimize the asset class and lead to broader adoption.

根据彭博社获得的法案草案，其目的是让稳定币充当加密货币和传统金融之间的桥梁。支持者认为，联邦法规将使资产类别合法化并导致更广泛的采用。

Here are the key points of the bill, as shared by Wu on Twitter:

WU在Twitter上共享的是法案的要点：

According to Hagerty's October draft, the bill sets clear rules for stablecoins, which are digital assets pegged to the U.S. dollar to ensure stability in value. Stablecoin issuers must meet specific licensing and reserve requirements to ensure they have sufficient backing. Issuers with over $10 billion in stablecoin assets will follow Federal Reserve rules, while smaller issuers will follow state regulations. The bill aims to promote financial inclusion, make transactions more efficient and strengthen the U.S. dollar globally.

根据Hagerty的十月草稿，该法案为Stablecoins制定了明确的规则，该规则是将数字资产固定到美元的数字资产，以确保价值稳定。 Stablecoin发行人必须满足特定的许可和预备要求，以确保他们具有足够的支持。超过100亿美元的Stablecoin资产的发行人将遵守美联储规则，而较小的发行人将遵守州法规。该法案旨在促进金融包容性，使交易效率更高，并在全球范围内加强美元。

“My legislation establishes 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,” Hagerty, a Tennessee Republican, said in a statement.

田纳西州共和党人哈格蒂（Hagerty）在一份声明中说：“我的立法建立了一个安全而增长的监管框架，该框架将释放创新并促进总统使美国成为全球加密货币的使命。”

The bill is being co-sponsored by Senators Kirsten Gillibrand (D-NY), Tim Scott (R-SC) and Cynthia Lummis (R-WY). It also mandates that stablecoin issuers file audited monthly reports on the reserves backing their stablecoins. Falsifying reports would be subject to criminal penalties.

该法案由参议员Kirsten Gillibrand（D-NY），Tim Scott（R-SC）和Cynthia Lummis（R-WY）共同赞助。它还要求Stablecoin发行人对支持其稳定的储备金进行审核的月度报告。伪造的报告将受到刑事处罚。

According to Senate staffers, the bill is expected to move quickly through committees and will be discussed further in an upcoming press conference with David Sacks.

参议院工作人员认为，该法案有望通过委员会迅速进行，并将在即将举行的新闻发布会上与大卫·萨克斯（David Sacks）进行进一步讨论。

Nonbank stablecoin issuers would be regulated by the Office of the Comptroller of the Currency, which is part of the Treasury Department. Last month, Trump signed an executive order that encourages the development of lawful, dollar-backed stablecoins around the world. The order also halted further progress on a central bank digital currency, which is seen as a competitor to stablecoins.

非银行Stablecoin发行人将由货币审计长办公室（是财政部的一部分）监管。上个月，特朗普签署了一项行政命令，该命令鼓励全球合法的，以美元支持的稳定者的发展。该命令还停止了中央银行数字货币的进一步进展，该货币被视为稳定币的竞争对手。

While the order does set up a group to recommend a digital asset regulatory framework, any actual policy changes would need to be approved by Congress. Notably, both Democrats and Republicans have expressed interest in regulating stablecoins.

虽然该订单确实成立了一个小组，以推荐数字资产监管框架，但任何实际的政策更改都需要得到国会的批准。值得注意的是，民主党人和共和党都对调节稳定的股份表示兴趣。