不要迷上“ stablecoin”騙局

Stablecoins是一種加密貨幣的一種形式，有望可以兌換，以美元為單

A new bill introduced in the Senate this week would create a legal framework for so-called stablecoins, a form of cryptocurrency that promises to be redeemable, dollar for dollar, on demand, just like a bank account. Sounds wonderful, doesn’t it? Unfortunately, they don’t have to follow any of the laws and regulations that govern real bank accounts regarding such minutiae, such as financial stability standards or consumer protections, not to mention, the lack of FDIC insurance in the event of a collapse. Some examples of ‘stablecoins’ include Facebook’s failed Libra Project, Tether, USDC and USD1– President Trump’s recently launched ‘stable coin’.

本週參議院提出的一項新法案將為所謂的Stablecoins創建一個法律框架，這是一種加密貨幣形式，有望像銀行帳戶一樣，按需按需兌換美元。聽起來很棒，不是嗎？不幸的是，他們不必遵循任何針對此類細節的實際銀行帳戶的法律法規，例如金融穩定標准或消費者保護，更不用說，在崩潰時缺乏FDIC保險。 “ Stablecoins”的一些例子包括Facebook失敗的天秤座項目，Tether，USDC和USD1 - 特朗普總統最近發射的“穩定硬幣”。

The bill, called the "Stablecoin TEכר סיארהcnology Act of 2025" (GENIUS Act), was introduced on February 4th by Bill Haggerty (R-TN) and co-sponsored by Republicans Tim Scott (SC), Cynthia Lumens (WY) with Democratic support provided by Kirsten Gillibrand (NY) and referred to the Committee on Banking, Housing, and Urban Affairs.

The bill, called the "Stablecoin TEכר סיארהcnology Act of 2025" (GENIUS Act), was introduced on February 4th by Bill Haggerty (R-TN) and co-sponsored by Republicans Tim Scott (SC), Cynthia Lumens (WY) with Democratic support provided by Kirsten Gillibrand (NY) and referred to the Committee on Banking, Housing, and Urban Affairs.

The scheme is supposed to work as follows: investors put a dollar into the stablecoin company, get a crypto “dollar” back that they can use for crypto trading (or money laundering or tax evasion) and get the (dubious) promise that they can trade back to their U.S. dollar at any time. In the meantime, the company that issues the stablecoin then invests the U.S. dollars into various assets and earns a return on those investments that they can keep as profit.

該計劃應如下：投資者向Stablecoin公司投入一美元，再獲得加密“ Dollar”，他們可以將其用於加密貨幣交易（或洗錢或逃稅），並得到（可疑的）承諾，他們可以隨時交易回家。同時，發行StableCoin的公司然後將美元投資到各種資產中，並獲得這些投資的回報，這些投資可以將其保留為利潤。

The provisions in this bill would blow a hole through the United States’ traditional separation of banking and commerce. The Bank Holding Company Act, passed in 1956, prohibits bank holding companies from engaging in commercial activities and from controlling (or being controlled by) commercial enterprises.

本法案中的規定將通過美國傳統的銀行和商業分離炸開一個漏洞。 《銀行控股公司法》於1956年通過，禁止銀行控股公司從事商業活動和控制（或受其控制）商業企業。

American Economic Liberties Project

美國經濟自由項目

So, in other words, you buy a stablecoin, you receive no interest (that would be a red line for the real banks) and have no recourse if the stablecoin becomes worthless, either by the issuer going under or deciding to get out of the business of issuing stablecoins, or they simply get hacked. Or, some other reason I can’t think of, off the top of my head.

因此，換句話說，您購買了一個穩定的幣，您不會收到任何利息（這對真正的銀行來說是紅線），如果發行人被發行人或決定擺脫髮行Stablecoins的業務，或者他們只是被黑客入侵，就不會有訴求。或者，我想不出的其他原因，遠不到我的頭頂。

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