美国参议员提议全面稳定币监管以保护消费者

作为全球稳定币监管推动的一部分，两位美国参议员提出了一项法案，提议建立稳定币的全面监管框架，旨在平衡消费者保护和创新。 《Lummis-Gillibrand 支付稳定币法案》规定 1:1 的现金或现金等价物储备支持，禁止非储备支持的稳定币，旨在通过 FDIC 监管和解决流程防止非法活动并确保用户安全。

Stablecoin Regulation Gains Momentum: US Senators Propose Comprehensive Oversight Framework

稳定币监管势头强劲：美国参议员提出全面监督框架

Amidst growing global scrutiny and concerns over the stability and regulation of stablecoins, the United States has taken a significant step towards establishing a comprehensive legal framework for these digital assets. United States Senators Kirsten Gillibrand and Cynthia Lummis have introduced a groundbreaking bill, the "Lummis-Gillibrand Payment Stablecoin Act," aimed at striking a delicate balance between consumer protection and fostering innovation within the burgeoning stablecoin ecosystem.

在全球对稳定币稳定性和监管日益严格的审查和担忧之际，美国在为这些数字资产建立全面的法律框架方面迈出了重要一步。美国参议员克尔斯滕·吉利布兰德 (Kirsten Gillibrand) 和辛西娅·卢米斯 (Cynthia Lummis) 提出了一项开创性的法案，即“卢米斯-吉利布兰德支付稳定币法案”，旨在在消费者保护和新兴稳定币生态系统中促进创新之间取得微妙的平衡。

A Call for Clear and Comprehensive Regulation

呼吁明确和全面的监管

The Lummis-Gillibrand Payment Stablecoin Act seeks to establish a robust legal foundation for stablecoins, ensuring their safety, legality, and practicality within the financial system. This legislation comes as global authorities actively work to address the myriad challenges and opportunities posed by stablecoins.

Lummis-Gillibrand支付稳定币法案旨在为稳定币建立坚实的法律基础，确保其在金融体系中的安全性、合法性和实用性。这项立法出台之际，全球当局正在积极努力应对稳定币带来的无数挑战和机遇。

Key provisions of the bill mandate that stablecoin issuers maintain one-to-one reserves in cash or cash equivalents to back their tokens. This crucial measure aims to prevent potential market manipulations or financial instability that could arise from unbacked stablecoins.

该法案的关键条款要求稳定币发行人维持一对一的现金或现金等价物储备以支持其代币。这项重要措施旨在防止无支持的稳定币可能引起的潜在市场操纵或金融不稳定。

Recognizing the potential of stablecoins to enhance cross-border transactions, the bill seeks to facilitate faster and cheaper international payments. Senator Gillibrand emphasized the importance of this legislation, stating that it is essential to maintaining the US dollar's dominance, promoting responsible innovation, and protecting consumers.

该法案认识到稳定币增强跨境交易的潜力，旨在促进更快、更便宜的国际支付。参议员吉利布兰德强调了这项立法的重要性，表示这对于维持美元的主导地位、促进负责任的创新和保护消费者至关重要。

User Safety at the Forefront

用户安全放在首位

The proposed bill places user safety at its core. Stablecoin issuers would be integrated into the existing dual banking system of the United States, bringing them under the regulatory authority of both federal and state entities. This oversight structure would enable thorough monitoring of stablecoin activities, ensuring adherence to regulations.

拟议的法案将用户安全置于其核心。稳定币发行人将被纳入美国现有的双银行体系，将其置于联邦和州实体的监管之下。这种监督结构将能够对稳定币活动进行彻底监控，确保遵守法规。

In the event of issuer insolvency, the bill introduces measures for protecting consumers and maintaining stability in the financial system. It includes provisions for Federal Deposit Insurance Corporation (FDIC) conservatorship and resolution processes, providing a safety net for users.

如果发行人破产，该法案引入了保护消费者和维持金融体系稳定的措施。它包括联邦存款保险公司 (FDIC) 监管和解决程序的规定，为用户提供安全网。

Addressing Financial Misconduct, Fostering Innovation

解决财务不当行为，促进创新

The bill also seeks to prohibit the use of stablecoins for illegal activities such as money laundering. By reinforcing the legal framework within which stablecoins must operate, it aims to prevent illicit activities from tainting the digital asset industry.

该法案还旨在禁止使用稳定币进行洗钱等非法活动。通过加强稳定币必须运行的法律框架，旨在防止非法活动污染数字资产行业。

At the same time, the legislation recognizes the promise of stablecoins in supporting digital-native applications while fostering innovation in the financial sector. By providing a clear regulatory framework, the bill seeks to promote sector growth while safeguarding the interests of investors and the broader public.

与此同时，该立法认可了稳定币在支持数字原生应用、同时促进金融领域创新方面的前景。通过提供明确的监管框架，该法案旨在促进行业增长，同时维护投资者和广大公众的利益。

Echoing Global Regulatory Momentum

响应全球监管势头

The Lummis-Gillibrand Payment Stablecoin Act aligns with the growing global focus on stablecoin regulation. The collapse of the TerraUSD (UST) stablecoin in 2022 has highlighted the urgent need for robust oversight of these assets.

Lummis-Gillibrand 支付稳定币法案符合全球对稳定币监管日益增长的关注。 TerraUSD (UST) 稳定币在 2022 年的崩溃凸显了对这些资产进行强有力监管的迫切需要。

Countries around the world are taking steps to establish clear regulatory frameworks for stablecoins. The United Kingdom has plans to issue new legislation on cryptocurrencies and stablecoins, while the European Union is set to implement the comprehensive Market in Crypto-assets (MiCA) regulation.

世界各国正在采取措施建立明确的稳定币监管框架。英国计划颁布有关加密货币和稳定币的新立法，而欧盟也将实施全面的加密资产市场（MiCA）监管。

A Framework for Stability and Growth

稳定与增长的框架

The proposed Lummis-Gillibrand Payment Stablecoin Act exemplifies the increasing recognition of the need for stablecoin regulation. By establishing a clear and comprehensive legal framework, this legislation aims to promote safety, legality, and financial stability, while fostering responsible innovation in the digital asset ecosystem. As global regulatory efforts continue to gain momentum, it remains crucial for the United States to play a leading role in shaping a future where stablecoins contribute to the evolution of the financial landscape.

拟议的《鲁米斯-吉利布兰德支付稳定币法案》体现了人们日益认识到稳定币监管的必要性。通过建立清晰、全面的法律框架，该立法旨在促进安全、合法和金融稳定，同时促进数字资产生态系统中负责任的创新。随着全球监管努力不断增强，美国在塑造稳定币促进金融格局演变的未来方面发挥主导作用仍然至关重要。