FIT21：該法案可以使美國數位資產的使用正常化

ure：我正在幫忙建立 Coinbits.app，一個比特幣銀行平台。

The US Capitol in Washington, DC, US, on Thursday, May 16, 2024.

2024 年 5 月 16 日星期四，美國華盛頓特區的美國國會大廈。

(Full disclosure: I’m helping build Coinbits.app, a bitcoin banking platform.)

（全面披露：我正在幫助建立 Coinbits.app，一個比特幣銀行平台。）

Yesterday, the House of Representatives voted to pass the Financial Innovation and Technology for the 21st Century Act (FIT21) yesterday, and the political and regulatory landscape around cryptocurrency is bracing for a seismic shift.

昨天，眾議院投票通過了《21 世紀金融創新與技術法案》(FIT21)，圍繞著加密貨幣的政治和監管格局正面臨著巨大的轉變。

FIT21 is designed to establish a clear regulatory framework for the cryptocurrency market in the U.S. It delineates when the Securities and Exchange Commission (SEC) or the Commodity Futures Trading Commission (CFTC) has jurisdiction, introduces consumer protections around self custody, and prohibits federal agencies from preventing the use of cryptocurrencies. Notably, it asks the Treasury to study stablecoins and attempts to define decentralized systems, providing a pathway for assets to be certified as sufficiently decentralized and thus labeled as commodities.

FIT21旨在為美國的加密貨幣市場建立一個明確的監管框架，它界定了美國證券交易委員會（SEC）或商品期貨交易委員會（CFTC）何時擁有管轄權，引入了圍繞自我託管的消費者保護，並禁止聯邦機構阻止加密貨幣的使用。值得注意的是，它要求財政部研究穩定幣並嘗試定義去中心化系統，為資產被認證為充分去中心化並因此被貼上商品標籤提供途徑。

This bill represents a critical step forward in normalizing the use of digital assets in the U.S. By classifying certain digital assets as commodities and others as securities, FIT21 could significantly alleviate the regulatory ambiguities that have clouded the industry's growth.

該法案代表了美國數位資產使用正常化的關鍵一步。 。

The SEC’s role in reviewing and responding to applications within 90 days, determining the decentralized nature of assets, marks a potentially transformative process for the industry. In a word, Gary Gensler’s and Elizabeth Warren’s “Anti-Crypto Army” has been defanged.

SEC 在 90 天內審查和回覆申請、確定資產的去中心化性質，這標誌著該行業潛在的變革過程。總之，加里·詹斯勒（Gary Gensler）和伊麗莎白·沃倫（Elizabeth Warren）的「反加密大軍」已經被削弱了。

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The fact that the bill was passed with bipartisan support indicates shifting attitudes toward digital assets in Washington. Until recently, Republicans, and some dissident Democrats, have incorporated pro-crypto messaging into their platforms and positioning themselves as proponents of financial innovation. However, yesterday’s bipartisan vote signifies a growing recognition of the political and economic significance of the crypto voter bloc.

該法案在兩黨支持下獲得通過這一事實表明華盛頓對數位資產的態度發生了轉變。直到最近，共和黨人和一些持不同政見的民主黨人已將支持加密貨幣的訊息納入其平台，並將自己定位為金融創新的支持者。然而，昨天的兩黨投票顯示人們越來越認識到加密貨幣選民群體的政治和經濟意義。

FIT21 will not become law right away, given that there is no corresponding bill in the U.S. Senate. However, when combined with the recent overturning of SAB 121 and the emergence of cryptocurrency as a presidential campaign issue, it signals a broader strategic pivot. Going forward, digital assets will be recognized as a significant electoral lever that could influence election outcomes.

鑑於美國參議院沒有相應法案，FIT21不會立即成為法律。然而，結合最近 SAB 121 的推翻以及加密貨幣作為總統競選問題的出現​​，它標誌著更廣泛的戰略支點。展望未來，數位資產將被認為是可能影響選舉結果的重要選舉槓桿。

The outcome of the FIT21 vote and the evolving political discourse around cryptocurrency regulation are likely to have profound implications for the economy in 2024 and beyond. As the Senate looks to appoint new commissioners at major regulatory agencies in 2025, the influence of crypto-friendly policymakers could shape the future regulatory environment, making it more conducive to innovation and growth in the crypto sector.

FIT21 投票的結果以及圍繞加密貨幣監管不斷演變的政治話語可能會對 2024 年及以後的經濟產生深遠影響。隨著參議院希望在 2025 年任命主要監管機構的新委員，加密貨幣友善政策制定者的影響力可能會塑造未來的監管環境，使其更有利於加密貨幣產業的創新和成長。

Yesterday’s vote is a positive sign for the potential for digital assets to flourish in the U.S., giving voters hope that America may not relinquish its role as a leader in global finance any time soon.

昨天的投票是數位資產在美國蓬勃發展的潛力的積極信號，讓選民希望美國不會很快放棄其作為全球金融領導者的角色。