美国参议员比尔·哈格蒂（Bill Hagerty）推动了参议院的稳定法案

这是在10月发布讨论草案之后，这标志着为制定稳定付款的监管框架迈出的重要一步。

US Senator Bill Hagerty has introduced the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act to the Senate. This follows the release of a discussion draft in October, and marks a significant step toward creating a regulatory framework for stablecoins payment.

美国参议员比尔·哈格蒂（Bill Hagerty）向参议院提出了指导和建立国家创新（GENIUS）法案。这是在10月发布讨论草案之后，标志着为制定稳定付款的监管框架迈出的重要一步。

The bill defines a payment stablecoin as a digital asset used for payments or settlements that is pegged to a fixed monetary value. Under the legislation, stablecoin payments must be backed by US currency, demand deposits at insured institutions, Treasury bills, and other assets.

该法案将付款稳定币定义为用于付款或定居点的数字资产，该资产固定在固定的货币价值上。根据该立法，必须以美国货币，被保险机构的需求存款，国库账单和其他资产来支持Stablecoin付款。

The act mandates Federal Reserve oversight on stablecoin issuers with a market value exceeding $10 billion, following bank regulations, while the Office of the Comptroller of the Currency regulates nonbank issuers.

该法案要求对Stablecoin发行人进行美联储的监督，其市场价值超过100亿美元，遵循银行法规，而货币审计长办公室则监管非银行发行人。

Issuers with a market value below $10 billion are subject to state regulation, with those above the threshold permitted to apply for an exemption from state-level oversight.

市场价值低于100亿美元的发行人受国家法规的约束，其允许超过门槛的发行人申请豁免州级监督。

Currently, only Tether (USDT) and USD Coin (USDC) have a market capitalization exceeding $10 billion.

目前，只有系绳（USDT）和美元硬币（USDC）的市值超过100亿美元。

The act also requires monthly audited reports on stablecoin reserves, with penalties for false reporting, and outlines clear procedures for institutions seeking licenses to issue stablecoins.

该法案还要求每月对S​​tablecoin储备的审计报告，并对虚假报告处罚，并概述了寻求发行签署许可证的机构的明确程序。

It establishes reserve requirements, tailored regulatory standards, and supervisory, examination, and enforcement mechanisms with defined limitations.

它建立了有限制的储备要求，量身定制的监管标准以及监督，检查和执法机制。

In a statement, Hagerty highlighted the potential benefits of stablecoin innovation, such as enhancing transaction efficiency and boosting demand for US Treasuries. He emphasized the broad advantages of fostering strong stablecoin development.

Hagerty在一份声明中强调了Stablecoin创新的潜在好处，例如提高交易效率并提高对美国国债的需求。他强调了促进强大的稳定发展的广泛优势。

“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 said.

Hagerty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加密世界之都的使命。”

The bill is co-sponsored by Senators Kirsten Gillibrand, Tim Scott, and Cynthia Lummis. In a social media post, Lummis highlighted 2025 as a pivotal year for digital assets and stated that the US must take action to prevent other countries from leading in stablecoin regulation.

该法案由参议员Kirsten Gillibrand，Tim Scott和Cynthia Lummis共同赞助。在社交媒体帖子中，卢米斯（Lummis）强调了2025年作为数字资产的关键年份，并指出美国必须采取行动以防止其他国家领导Stablecoin法规。

“Creating a bipartisan regulatory framework for stablecoins is critical to maintaining the U.S.’s dollar dominance and promoting responsible financial innovation,” Lummis said.

Lummis说：“为Stablecoins创建两党的监管框架对于维持美国的美元支配地位并促进负责任的金融创新至关重要。”

Fox Business reporter Eleanor Terrett reported that the bill is expected to advance swiftly.

福克斯商业记者埃莉诺·特雷特（Eleanor Terrett）报告说，该法案有望迅速提出。

“Senate staffers tell me they expect the bill to move quickly through committees in Congress,” Terrett said in a post on X.

特雷特在X上的一篇文章中说：“参议院工作人员告诉我，他们希望该法案能够迅速通过国会的委员会。”

This follows a press conference on February 4, where David Sacks, the White House’s AI and crypto czar, expressed support for stablecoin legislation in the near future.

这是在2月4日的新闻发布会之后的，白宫的AI和Crypto沙皇戴维·萨克斯（David Sacks）在不久的将来表示了对Stablecoin立法的支持。

Sacks, along with other House leaders, stated that stablecoin regulation is a top priority.

麻袋与其他众议院领导人一起说，斯塔布尔币法规是重中之重。