시가총액: $3.4391T 4.130%
거래량(24시간): $122.6091B 38.090%
  • 시가총액: $3.4391T 4.130%
  • 거래량(24시간): $122.6091B 38.090%
  • 공포와 탐욕 지수:
  • 시가총액: $3.4391T 4.130%
암호화
주제
암호화
소식
cryptostopics
비디오
최고의 뉴스
암호화
주제
암호화
소식
cryptostopics
비디오
bitcoin
bitcoin

$109731.956184 USD

3.84%

ethereum
ethereum

$2692.478025 USD

7.88%

tether
tether

$1.000259 USD

-0.02%

xrp
xrp

$2.310195 USD

2.85%

bnb
bnb

$665.398326 USD

2.29%

solana
solana

$159.672203 USD

5.06%

usd-coin
usd-coin

$0.999804 USD

-0.01%

dogecoin
dogecoin

$0.194571 USD

6.55%

tron
tron

$0.287722 USD

1.47%

cardano
cardano

$0.712553 USD

7.00%

hyperliquid
hyperliquid

$39.140056 USD

10.60%

sui
sui

$3.406832 USD

5.85%

chainlink
chainlink

$14.613780 USD

6.44%

avalanche
avalanche

$21.918622 USD

5.88%

stellar
stellar

$0.276535 USD

3.81%

암호화폐 뉴스 기사

Senate Passes GENIUS Act, Marking the First Comprehensive Regulatory Framework for Stablecoins

2025/05/02 16:28

The U.S. Senate is moving closer to setting the first federal framework for stablecoins, with the GENIUS Act advancing in the chamber.

Senate Majority Leader John Thune (R-SD) on Wednesday began procedures to expedite a vote on the bill. It’s the first legislation to comprehensively create a U.S. regulatory regime for stablecoins.

The bill, sponsored by Senator Bill Hagerty and co-sponsored by Senators Tim Scott (R-SC) and Cynthia Lummis (R-WY), would regulate stablecoins that are pegged to the U.S. dollar.

The legislation is designed to counter the House’s STABLE Bill, which was approved by the House Financial Services Committee last year. Both bills set different regulatory approaches for stablecoins.

The Senate Banking Committee passed the GENIUS Act earlier this month with strong bipartisan support. The committee voted 18-6 to advance the bill, with five Senate Democrats joining Republicans to push it forward.

Senator Tim Scott, chair of the National Republican Senatorial Committee, said the bill is a “critical first step” to fulfill President Donald Trump’s mandate to advance a regulatory framework for digital assets. This statement aligns with the administration’s broader crypto policy goals.

Senator Hagerty expressed confidence about the bill’s progress, adding that he expects a full floor vote by the end of April.

The Trump administration reportedly wants both the Senate’s GENIUS Act and the House’s STABLE Bill signed before Congress’s August recess.

Key Differences Between Senate and House Bills

The Senate’s GENIUS Act differs from the House’s STABLE Bill in three key areas.

The Senate version allows money market funds to be used as reserves, while the House bill takes a more restrictive approach.

Both bills provide a $10 billion threshold, but with different regulatory approaches.

They also have contrasting positions on algorithmic stablecoins. The STABLE Bill imposes a two-year moratorium, while the GENIUS Act only requires a brief study.

These differences highlight the various approaches lawmakers are considering as they work to create the first federal framework for stablecoin regulation.

The bills represent different visions for how stablecoins should fit into the existing financial system.

Opposition and Concerns

Despite its progress, the bill faces opposition from traditional banking advocates.

Arthur Wilmarth, Professor Emeritus of Law at The George Washington University, called the Senate stablecoin bill “deeply flawed” and warned it poses “grave and unacceptable dangers” to consumers and the broader financial system.

Wilmarth argues that nonbank stablecoin issuers could compete with FDIC-insured banks by offering what he terms “shadow deposits.” This competition could potentially undermine the traditional banking system, according to his analysis.

The professor has also raised concerns that the bill could allow Big Tech companies and other commercial enterprises to acquire non-bank stablecoin issuers. This would potentially give these firms a pathway to enter the banking industry.

Crypto industry players also appear divided on the legislation. Last week, reports emerged that Coinbase (NASDAQ:COIN), the largest crypto firm in the U.S., is allegedly trying to prevent both the GENIUS Act and the STABLE Act from reaching floor votes.

Tech venture capital firm Andreessen Horowitz has reportedly been “sympathetic” to delaying votes on stablecoin legislation and has been assisting Coinbase in these efforts.

This suggests disagreement within the crypto industry itself about the proposed regulatory frameworks.

Beyond its immediate impact on stablecoins, the GENIUS Act aims to cement U.S. dollar dominance in global finance. This broader objective reflects concerns about maintaining American financial leadership in an increasingly digital global economy.

The bill represents the first major attempt by U.S. lawmakers to create clear rules for the rapidly growing stablecoin sector, which has become a crucial part of the cryptocurrency ecosystem in recent years.

부인 성명:info@kdj.com

제공된 정보는 거래 조언이 아닙니다. kdj.com은 이 기사에 제공된 정보를 기반으로 이루어진 투자에 대해 어떠한 책임도 지지 않습니다. 암호화폐는 변동성이 매우 높으므로 철저한 조사 후 신중하게 투자하는 것이 좋습니다!

본 웹사이트에 사용된 내용이 귀하의 저작권을 침해한다고 판단되는 경우, 즉시 당사(info@kdj.com)로 연락주시면 즉시 삭제하도록 하겠습니다.

2025年06月10日 에 게재된 다른 기사