《天才法》：一項允許銀行簽發穩定的法案

一項名為《天才法》的法案邁出了成為法律的關鍵一步。除其他事項外，它將允許銀行（常規，普通銀行）發行一種稱為“ Stablecoins”的加密貨幣形式。

Unless you are super into cryptocurrency, it’s really easy to tune out crypto news — just like you tune out your cousin who spends family get-togethers bragging about all the money he’s making from Bitcoin.

除非您非常喜歡加密貨幣，否則請調整加密新聞真的很容易 - 就像您調整了表弟，他們花了家人聚會，吹噓他從比特幣中賺到的所有錢一樣。

But you might want to actually pay attention to the piece of crypto news that came out of the U.S. Senate last night: A bill called the GENIUS Act took a key step towards becoming law.

但是您可能想真正注意昨晚美國參議院出現的加密新聞：一項名為《天才法案》的法案邁出了成為法律的關鍵一步。

Among other things, it would allow banks — regular, normal banks — to issue a form of cryptocurrency called “stablecoins.”

除其他事項外，它將允許銀行（常規，普通銀行）發行一種稱為“ Stablecoins”的加密貨幣形式。

Unlike Bitcoin or Dogecoin or other cryptocurrencies whose values are extremely volatile, stablecoins are supposed to be stable. One of them should equal one dollar, today, tomorrow and forever.

與比特幣或狗狗幣或其他價值極為揮發性的加密貨幣不同，穩定的穩定性應該是穩定的。他們中的一個應該等於今天，明天和永遠的一美元。

Dante Disparte is chief strategy officer at Circle, which has issued $61 billion worth of stablecoins, “a digital dollar that has supported activities around the world in the way that you and I would send emails to one another,” he said.

Dante Disparte是Circle的首席戰略官，該戰略官已發行了價值610億美元的Stablecoins，“這是一種數字美元，以您和我將彼此發送電子郵件的方式支持世界各地的活動，”他說。

Unlike good old fashioned greenbacks, stablecoins move at the speed of the internet — no time wasted for financial clearing houses or cross-border transaction settlements.

與良好的老式綠背不同，Stablecoins以互聯網的速度移動 - 沒有浪費時間用於財務清算房屋或跨境交易和解。

Disparte said if the GENIUS Act becomes law, stablecoins will modernize our payment systems.

Disparte表示，如果《天才法》成為法律，Stablecoins將現代化我們的支付系統。

“Cross border payments is one prevalent use case that is pretty common and has limited competitive interest around the world. Peer-to-peer remittances is another really important real world use case,” said Disparte.

Disparte說：“跨境付款是一種普遍的用例，在世界各地都具有有限的競爭利益。點對點匯款是另一個非常重要的現實世界用例。”

Think Venmo, only with stablecoins.

想想Venmo，只有穩定劑。

But for now, they’re mostly used for crypto trading. Speculators use stablecoins to borrow and buy and sell more crypto, which is why Duke lecturing fellow Lee Reiners is worried about banks like, say, JPMorgan Chase or Bank of America getting in on the action.

但是目前，它們主要用於加密交易。投機者使用Stablecoins借用和買賣更多的加密貨幣，這就是為什麼杜克（Duke）講課李·賴納斯（Lee Reiners）擔心諸如摩根大通（JPMorgan Chase）或美國銀行（Bank of America）之類的銀行的原因。

“Problems in the crypto sector could, through stablecoins, spill into the banking system,” said Reiners.

雷納斯說：“加密行業的問題可能會通過穩定幣溢出到銀行系統中。”

For instance, say stablecoin companies buy billions in U.S. treasury bonds to back their coins. Reiners fears a bank run scenario, where if everyone panics and tries to redeem their stablecoins for actual fiat currency, those companies will have to sell their bonds en masse.

例如，Stablecoin公司說，在美國國庫券中購買了數十億美元以支持其硬幣。萊因斯（Reiners）擔心銀行運行的情況，如果每個人都感到恐慌並試圖贖回其穩定幣以實際菲亞特貨幣，那麼這些公司將不得不大量出售其債券。

“So the price of treasuries could potentially plummet the bigger the stable coin market gets, potentially driving up borrowing costs for for the rest of us in the real economy,” said Reiners.

雷納斯說：“因此，國庫的價格可能會下降，而穩定的硬幣市場的價格就越大，在實際經濟中，我們其他人可能會增加借貸成本。”

Stablecoin enthusiasts say those risks are overblown, and that the bill offers rules and regulations that don’t exist right now.

Stablecoin的愛好者說，這些風險被誇大了，該法案提供了目前不存在的規則和規定。

“You want to make sure that the U.S. government and all the respective agencies can supervise them, can enforce against wrongdoing,” said Salah Ghazzal of the industry trade group Blockchain Association.

“您想確保美國政府和所有各自的機構都可以監督它們，可以對不當行為進行強制執行，”行業貿易集團區塊鏈協會的薩拉赫·蓋扎爾（Salah Ghazzal）說。

The Senate bill, which received bipartisan support, must be reconciled with a similar bill making its way through the House before it can be sent to President Donald Trump.

獲得兩黨支持的參議院法案必須與一項類似的法案進行調和，然後將其通過眾議院送往唐納德·特朗普總統。

 

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