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对于加密法规的未来,美国参议院银行委员会最近推进了指导和建立美国Stablecoins法案的国家创新
The Senate Banking Committee has advanced the bipartisan legislation, "Guiding and Establishing National Innovation for US Stablecoins Act" (GENIUS Act), sponsored by Senator Bill Hagerty (R-Tenn.) with a vote of 18-6.
参议院银行委员会已提出了两党立法,“指导和建立了为美国Stablecoins Act的国家创新”(Genius Act),由参议员Bill Hagerty(R-Tenn。)赞助,投票为18-6。
The bill, which stands for "Guiding and Establishing National Innovation for US Stablecoins," aims to regulate stablecoins, a type of cryptocurrency pegged to the value of a fiat currency like the dollar, which can facilitate cheaper and faster transactions globally, accessible to anyone with a smartphone.
该法案代表“指导和建立为美国的国家创新建立国家创新”,旨在调节Stablecoins,这是一种固定在诸如Dollar之类的法定货币的价值的加密货币,可以在全球范围内便宜且更快地进行交易,并可以访问任何具有智能手机的人。
However, the bill has sparked heated debate, particularly from Senator Elizabeth Warren (D-Mass.), a vocal critic of crypto.
但是,该法案引发了激烈的辩论,特别是来自加密货币的人声批评家伊丽莎白·沃伦(D-Mass。)参议员。
Hagerty highlighted the urgency of regulatory clarity as the world modernizes its payment systems, adding that the U.S. cannot afford to be left behind. He pointed out the potential benefits of a clear regulatory framework in the country, including improved transaction efficiency and increased demand for U.S. Treasury securities.
Hagerty强调了法规清晰度的紧迫性,因为全世界都将其支付系统现代化,并补充说,美国无法抛弃。他指出了该国明确的监管框架的潜在好处,包括提高交易效率和对美国国库券的需求提高。
"We have a unique opportunity to ensure that the United States remains at the forefront of the global financial system," said Hagerty.
Hagerty说:“我们有一个独特的机会确保美国仍然处于全球金融体系的最前沿。”
"The bill creates a federal framework for stablecoins, ensuring that they are backed by safe and liquid assets, are subject to robust anti-money laundering and know-your-customer regulations, and are overseen by experienced financial regulators."
“该法案为Stablecoins创建了一个联邦框架,以确保其得到安全和液体资产的支持,受到强大的反洗钱和了解您的客户规定,并由经验丰富的金融监管机构监督。”
On the other hand, Warren expressed concerns that the bill does not adequately protect consumers, taxpayers, or the broader economy in the event of a stablecoin failure.
另一方面,沃伦(Warren)表示担心该法案并不能充分保护消费者,纳税人或更广泛的经济体,但如果发生稳定的失败。
"This bill begs for more bailouts," said Warren, highlighting her belief that it could inadvertently lead to taxpayer-funded rescues of failing stablecoin issuers.
沃伦说:“该法案恳求更多的救助。”她坚信这可能会无意中导致纳税人资助的失败的Stablecoin发行人的营救。
The Massachusetts senator also criticized the legislation for empowering tech billionaires like Elon Musk and Mark Zuckerberg to launch their own dollar-based tokens, concentrating financial power in the hands of a few individuals.
马萨诸塞州参议员还批评了授权埃隆·马斯克(Elon Musk)和马克·扎克伯格(Mark Zuckerberg)等科技亿万富翁的立法,以推出自己的以美元代币,将财务权力集中在少数个人手中。
Despite Warren's objections, Hagerty maintains that the GENIUS Act includes sufficient protections and regulatory measures to deter criminal activity.
尽管沃伦(Warren)的反对意见,哈格蒂(Hagerty)坚持认为,《天才法案》(Genius Act)包括足够的保护和监管措施来阻止犯罪活动。
The bill's supporters, such as the administration officials and the majority of the Senate Banking Committee, highlight that it mandates stablecoins to be backed by one-to-one reserve assets, which will be monitored by regulators.
该法案的支持者,例如政府官员和参议院银行委员会的大多数,强调,它要求稳定币由一对一的储备金支持,该资产将由监管机构对其进行监控。
The bill also establishes licensing and oversight requirements, with issuers having a market capitalization of less than $10 billion to be regulated at the state level and larger issuers falling under the purview of the Federal Reserve and the Office of the Comptroller of Currency (OCC).
该法案还建立了许可和监督要求,在州一级的市值不到100亿美元的市值,属于美联储和货币审计长办公室的较大发行人(OCC)。
In terms of transparency, the bill mandates that issuers provide monthly liquidity reports and maintain full transparency regarding their reserve compositions, ensuring that stablecoins are backed by reserves held in U.S. dollars or highly liquid assets on a 1:1 basis.
就透明度而言,该法案规定发行人提供每月的流动性报告,并保持有关其储备金组成的全面透明度,以确保稳定的稳定性得到以美元或高度流动资产为1:1的储备金的支持。
Moreover, the legislation requires that issuers promptly meet redemption requests, granting the Federal Reserve and OCC the authority to suspend licenses or impose penalties for non-compliance. It also emphasizes anti-money laundering (AML) and know-your-customer (KYC) standards to prevent misuse for illicit activities.
此外,该立法要求发行人迅速满足赎回请求,授予美联储和OCC暂停许可或对不符合规定施加罚款。它还强调反洗钱(AML)和知识客户(KYC)标准,以防止滥用非法活动。
The bill has garnered support from various stakeholders, including New York Democrat Kirsten Gillibrand and freshman Maryland Democrat Angela Alsobrooks, who are not on the committee but voiced their backing for the legislation.
该法案获得了各种利益相关者的支持,包括纽约民主党人柯斯滕·吉利布兰德(Kirsten Gillibrand)和新生马里兰州民主党人安吉拉·阿尔索布鲁克斯(Angela Alsobrooks),他们不在委员会中,但为立法表示支持。
Treasury Secretary Scott Bessent and Trump are also said to view stablecoins favorably, with Bessent suggesting that they could enhance the dollar's global dominance by increasing demand for U.S. currency.
据说财政部长斯科特·贝斯特(Scott Bessent)和特朗普(Scott Bessent)和特朗普(Trump)对Stablecoins有利,而Bessent表明他们可以通过增加对美国货币的需求来增强美元的全球优势。
While the passage of the GENIUS Act in the Senate Banking Committee marks a pivotal moment in U.S. crypto policy, the bill faces challenges ahead. It will require at least 60 votes to advance in the Senate, necessitating continued bipartisan cooperation.
参议院银行委员会中《天才法》的通过标志着美国加密政策的关键时刻,但该法案面临着挑战。参议院必须至少有60票才能晋升,需要持续两党合作。
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