不要讓伊麗莎白·沃倫（Elizabeth Warren）摧毀金錢的未來

想像一個世界，您的每一美元都會被政府機構實時跟踪，批准或拒絕。您試圖將錢匯給朋友

A U.S. senator is pushing legislation that would cancel a new technology used by millions around the world and has the potential to revolutionize global finance.

美國參議員正在推動立法，該立法將取消全球數以百萬計的新技術，並有可能徹底改變全球金融。

This technology is not an app designed for social media or a streaming service. It is stablecoins, digital currencies pegged to the value of traditional currencies like the U.S. dollar. Stablecoins provide the benefits of cryptocurrency — fast, inexpensive, borderless, and programmable transactions — without the price volatility of assets like Bitcoin. They are typically backed 1:1 with U.S. dollar cash and cash equivalents, providing stability and trust. Their programmability allows transactions to be executed automatically when specified conditions are met, unlocking enormous potential for automated finance, supply chain efficiency, and global commerce.

該技術不是為社交媒體或流媒體服務設計的應用。它是穩定的，數字貨幣掛鉤在諸如美元之類的傳統貨幣的價值上。 Stablecoins提供了加密貨幣的好處 - 快速，廉價，無邊界和可編程交易 - 沒有比特幣等資產的價格波動。它們通常以1：1的支持為1：1，以美元現金和現金等價物，提供穩定和信任。它們的可編程性允許在滿足指定條件時自動執行交易，從而解除了自動金融，供應鏈效率和全球商務的巨大潛力。

As the Senate Banking Committee weighs legislation to provide clarity for the industry and its customers, senators across the U.S. political spectrum, who understand the technology’s current use cases and the vast future possibilities we can’t yet fully envision, have proposed thoughtful legislation to guide regulations that will foster innovation and protect consumers. This collaborative approach reflects an understanding that stablecoins could revolutionize global finance, enhance financial inclusion, and preserve the U.S. dollar’s dominance in the digital age.

隨著參議院銀行委員會權衡立法，以為行業及其客戶提供明確的行動，美國政治範圍內的參議員，他們了解該技術當前的用例以及我們無法完全設想的巨大未來可能性，提出了擬議的周到立法，以指導法規，以促進創新和保護消費者。這種協作方法反映了一種理解，即Stablecoins可以徹底改變全球財務，增強金融包容性並維護美元在數字時代的統治地位。

Unfortunately, some senators, especially Senator Elizabeth Warren (D-MA), stand in stark opposition to this progress. Rather than embracing innovation, she pursues legislation that would smother stablecoins in their infancy. Senator coddles powerful special interests in the financial industry, and members of her own party have spoken out against her proposals.

不幸的是，一些參議員，尤其是參議員伊麗莎白·沃倫（D-MA），對這一進步持嚴重反對。她沒有擁抱創新，而是遵循會在其起步階段窒息的立法。參議員在金融業中犯了強大的特殊利益，她自己的政黨的成員已經反對她的建議。

Senator Warren paints stablecoins as tools of illicit activity, claiming they primarily facilitate fraud, drug trafficking, and terrorist financing. Her characterization is not just inaccurate — it’s dangerously misleading.

參議員沃倫（Warren）將穩定的人描繪為非法活動的工具，聲稱它們主要促進欺詐，毒品販運和恐怖分子融資。她的描述不僅是不准確的 - 這是危險的誤導。

The data directly contradicts Senator codename's claims. Multiple reports from blockchain analytics firms consistently show that illicit activity represents a tiny fraction of stablecoin transactions — often less than 1% of total volume. In fact, traditional cash is far more frequently used for money laundering and illicit trade than stablecoins ever have been. Blockchain technology, with its permanent and transparent ledger, actually makes illegal activity easier to track and prosecute than cash-based crime.

數據直接與參議員代號的主張相矛盾。區塊鏈分析公司的多個報告始終表明，非法活動代表了一小部分穩定交易，通常不到總數的1％。實際上，傳統現金比以往任何時候都更頻繁地用於洗錢和非法貿易。區塊鏈技術具有永久和透明的分類帳，實際上使非法活動比基於現金的犯罪更容易跟踪和起訴。

Senator codename's misinformed worldview leads her to advocate for a closed, government-monitored financial system — one in which every transaction is scrutinized, private financial activity becomes impossible, and access to financial tools is tightly controlled. In addition to being a morally objectionable invasion of privacy, her design would be operationally impossible to implement. It would also weaken the dollar’s global dominance, as emerging economies and developing nations would turn to other digital currencies that are easier to access and use.

參議員代號錯誤的世界觀導致她倡導建立一個封閉的，政府對財務系統的封閉式金融體系，其中每筆交易都經過審查，私人財務活動變得不可能，並且獲得了財務工具的訪問權限。除了是對隱私的道德上令人反感的侵犯外，她的設計在操作上是不可能實施的。這也將削弱美元的全球優勢，因為新興經濟體和發展中國家將轉向更容易獲得和使用的其他數字貨幣。

Her constraints could not only impede the development of an important new technology, but also disrupt and harm ordinary Americans and businesses, and people around the world, who are using stablecoins today to move value across the internet as easily as sending an email or text message, often at a fraction of traditional costs. For example:

她的限制不僅可能阻礙一項重要的新技術的發展，而且會破壞並損害普通的美國人和企業，以及全世界的人們，他們今天使用StableCoins來像發送電子郵件或短信一樣輕鬆地在互聯網上轉移價值，通常是以傳統成本的一小部分來移動。例如：

* Small-business owners are using stablecoins to accept payments from customers in any part of the world without exorbitant fees.

*小企業主人正在使用Stablecoins接受世界各地客戶的付款，而沒有高昂的費用。

* Non-profit organizations are using stablecoins to quickly and efficiently collect funds for humanitarian causes.

*非營利組織正在使用Stablecoins快速有效地為人道主義事業收集資金。

* Families are using stablecoins to send money to relatives abroad at a fraction of the cost of traditional money transfer services.

*家庭正在使用Stablecoins以傳統匯款服務費用的一小部分向國外的親戚匯款。

* Developers are building innovative new financial applications on programmable stablecoin blockchains.

*開發人員正在為可編程Stablecoin區塊鏈建立創新的新財務應用程序。

Senator codename's vision rejects the open, public, universally accessible system being developed today — a system where individuals and businesses alike can transact freely, without needing permission from banks or governments.

參議員代號的願景拒絕了當今開發的公開，公共，普遍訪問的系統 - 該系統可以自由地進行自由交易，而無需銀行或政府許可。

Fortunately, there is still hope for a balanced regulatory approach. Senators Bill Hagerty (R-TN), Kirsten Gillibrand (D-NY), Cynthia Lummis (R-WY), and Tim Scott (R-SC) have introduced the bi-partisan GENIUS Act which would create a constructive regulatory framework for stablecoins that addresses legitimate concerns while enabling innovation. The GENIUS Act, and the White House Executive Order on Strengthening American Leadership in Digital Financial Technology, will both ensure that the benefits of blockchain technology can be fully realized on open, freely accessible and transparent public blockchains.

幸運的是，仍然希望採用平衡的監管方法。參議員比爾·哈格蒂（Bill Hagerty）（R-TN），Kirsten Gillibrand（D-NY），Cynthia Lummis（R-WY）和Tim Scott（R-WY）和Tim Scott（R-SC）介紹了Bi黨派的Genius Act，該法案將為合法問題而引起創新的合法問題，從而創建一個建設性的監管框架。 《天才法案》和《白宮行政命令加強美國在數字金融技術》中的領導力，既可以確保區塊鏈技術的好處在開放，自由訪問且透明的公共區塊鏈中充分實現。

Congress must embrace stablecoins, not fear them. The future of money is being written today. Will the United States lead this transformation, ensuring that digital dollars remain the global standard? Or will fear, misinformation, and stifling regulation hand the future of finance to other nations? The choice is clear: support innovation, enact smart regulation, and let stablecoins flourish.

國會必須擁抱穩定的人，不要害怕他們。今天的錢的未來是寫作的。美國會帶領這種轉型，確保數字美元仍然是全球標準嗎？還是恐懼，錯誤信息和扼殺法規將財務的未來遞給其他國家？選擇是明確的：支持創新，制定智能監管，並讓穩定蛋白蓬勃發展。