美國總統唐納德·薩克斯（David Sacks）是唐納德·特朗普（Donald Trump）的加密和人工智能顧問，他表示，政府預計，穩定法案將在兩黨支持下清除參議院。

指導和建立為美國Stablecoins（GENIUS）法案（Genius Act）的指導和建立是最先進的聯邦努力，尚未建立美元的數字資產法律框架。

The stablecoin bill in the U.S. Senate has cleared a crucial procedural vote with bipartisan support, paving the way for a potential vote on the legislation as early as next week.

美國參議院的《穩定法案》以兩黨的支持清除了至關重要的程序投票，最早在下週就為該立法的潛在投票鋪平了道路。

The bill, which aims to create a legal framework for dollar-pegged digital assets in the U.S., has been pending in the Senate for several months. It’s now one step closer to reaching President Donald Trump’s desk.

該法案旨在在美國為美元的數字資產創建一個法律框架，在參議院待定了幾個月。現在，接近唐納德·特朗普總統的辦公桌已經近了一步。

The vote on Monday saw 15 Democrats join all 45 Republicans present to clear the 60-vote filibuster threshold needed to advance the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act.

週一的投票使15名民主黨人加入了所有45名共和黨人，以清除為了推進指導和建立國家創新的60票filotibuster門檻。

The bill was introduced in December 2023 by Sen. Cynthia Lummis (R-WY) and Sen. Kirsten Gillibrand (D-NY) and has bipartisan support.

該法案是由參議員辛西婭·盧米斯（Cynthia Lummis）（R-WY）和參議員Kirsten Gillibrand（D-NY）提出的，並獲得了兩黨的支持。

The legislation proposes granting stablecoin issuers a national charter and requiring them to maintain full reserves backed by U.S. Treasurys, cash and other highly liquid assets. It also designates the Treasury Department to be the primary regulator for stablecoins.

該立法建議授予Stablecoin發行人一份國家憲章，並要求他們維持由美國財政部，現金和其他高度流動資產支持的全部儲備。它還指定財政部為Stablecoins的主要監管機構。

Stablecoin bill may boost U.S. Treasury demand

Stablecoin法案可能會促進美國國庫需求

The legislation’s progress comes amid controversy surrounding the Trump family’s crypto dealings, which some critics have said may be a factor in the administration’s push for the stablecoin bill.

這項立法的進展是在圍繞特朗普家族的加密貨幣交易的爭議中引起的，一些批評家說，這可能是政府推動Stablecoin法案的一個因素。

Trump’s son, Eric Trump, and members of his family trust hold investments in World Liberty Financial, a crypto firm that recently launched its own stablecoin, USD1, backed by U.S. Treasurys and dollar deposits. The token has received a $2 billion investment commitment from Abu Dhabi’s MGX fund via Binance.

特朗普的兒子埃里克·特朗普（Eric Trump）及其家庭信託基金會成員在世界自由金融公司（World Liberty Financial）上投資，該公司最近推出了自己的Stablecoin，USD1，由美國財政部和美元存款支持。代幣通過Binance從阿布扎比的MGX基金獲得了20億美元的投資承諾。

The administration expects the bill to pass the Senate with bipartisan backing, according to David Sacks, the president’s top adviser on crypto and artificial intelligence.

總統加密和人工智能總統顧問戴維·薩克斯（David Sacks）表示，政府預計該法案將通過兩黨支持通過參議院。

“We have every expectation now that it’s going to pass,” Sacks told CNBC on Monday.

薩克斯週一對CNBC說：“我們現在有一個期望。”

He added that the bill could trigger “trillions of dollars” in demand for U.S. Treasurries by unlocking stablecoin growth under clear rules.

他補充說，該法案可能會通過在明確的規則下解鎖Stablecoin增長來觸發對美國國庫的“數万億美元”。

“We already have over $200 billion in stablecoins — it’s just unregulated,” he said. “If we provide legal clarity, we create enormous demand for Treasurries practically overnight.”

他說：“我們已經擁有超過2000億美元的Stablecoins，這只是不受監管的。” “如果我們提供法律上的清晰度，我們幾乎在一夜之間就對紀念品產生了巨大的需求。”

The administration is hopeful that the bill will attract support from both parties, considering the broad implications for the financial industry and the broader economy.

政府希望該法案將考慮對金融業和更廣泛的經濟產生廣泛的影響，該法案將吸引雙方的支持。

However, the bill’s final passage is not guaranteed yet.

但是，該法案的最後通過尚無法保證。

Sen. Josh Hawley (R-MO) has added an amendment to the legislation that would cap credit card late fees, a move that could backfire and cause the bill to lose support from financial industry allies.

參議員喬什·霍利（Josh Hawley）（R-MO）對立法進行了一項修正案，該法案將限制信用卡滯納金，此舉可能適得其反，並導致該法案失去金融業盟友的支持。

Hawley’s amendment, which was approved by the Senate on Tuesday, drew criticism from consumer groups who argue that it could ultimately harm consumers.

霍利（Hawley）的修正案在周二得到參議院的批准，引起了消費者群體的批評，他們認為這最終可能會損害消費者。

Banks 'panicking' over yield-bearing stablecoins

銀行對承重的穩定者“驚慌”

In a May 21 post titled “The Empire Lobbies Back,” New York University professor Austin Campbell said the U.S. banking industry is “panicking” over the rise of yield-bearing stablecoins, which threaten their profit model.

紐約大學教授奧斯汀·坎貝爾（Austin Campbell）在5月21日的題為“帝國遊說返回”的帖子中說，美國銀行業對承擔屈服的穩定股的興起感到“恐慌”，這威脅了他們的利潤模型。

According to Campbell, the banking lobby is pressuring lawmakers to defend its interests and block competition from interest-paying stablecoins.

據坎貝爾說，銀行大廳正在向立法者施加壓力，要求其捍衛其利益，並阻止競爭競爭利益付款。

Banks rely on fractional reserve practices to generate profit while offering low returns to depositors, but stablecoins may disrupt that system by offering better yields on deposits in a decentralized manner, he added.

他補充說，銀行依靠分數儲備的實踐來產生利潤，同時向存款人提供低收益，但是穩定幣可能會通過以分散的方式提供更多的存款收益來破壞該系統。

As previously reported by Cointelegraph, the U.S. Securities and Exchange Commission in February approved the first yield-bearing stablecoin security by Figure Markets.

正如CoIntelegraph先前報導的那樣，美國證券交易委員會於2月批准了第一個按照人物市場的屈服穩定安全性。

According to a May 21 report from Pendle, yield-bearing stablecoins have soared to $11 billion in circulation since January 2024, which represents 4.5% of the total stablecoin market.

根據彭德爾（Pendle）的5月21日報告，自2024年1月以來，承重的穩定穩定人數已飆升至110億美元，佔穩定市場總市場的4.5％。