Genius Act通過了參議院辯論動議，比特幣打破了110,000美元，創造了創紀錄的高級

最近，Stablecoin法案“ Genius Act”以69票贊成和31票反對的參議院辯論動議，並正式進入修訂階段。

The U.S. Senate voted 69-31 on Monday to advance a bill that would create a framework for regulating stablecoins, kicking off what could be a final push to get the measure over the finish line this year.

美國參議院週一以69-31投票通過了一項法案，該法案將創建一個框架來規範Stablecoins，從而啟動了今年將這項措施超越終點線的最終推動力。

The Senate Finance Committee approved the "GENIUS Act" in May, setting the stage for broader consideration by the full Senate. The House Financial Services Committee also passed its own version of a stablecoin bill earlier this year.

參議院財政委員會於5月批准了《天才法》，為整個參議院提供了更廣泛的考慮。眾議院金融服務委員會還於今年早些時候通過了自己的一項Stablecoin法案。

The legislation, which is an acronym for "Stability, Genesis, and Integration of Useful Network संपत्तिव्यवहार Act," would require issuers of stablecoins to maintain a 1:1 reserve of high-quality assets, such as U.S. Treasury bonds or cash. It would also prohibit stablecoins from paying interest or other forms of yield to holders.

該立法是“有用網絡的穩定，創世紀和整合”的首字母縮寫，要求穩定的發行人維持1：1高質量資產的儲備，例如美國財政債券或現金。這也將禁止穩定幣向持有人支付利息或其他形式的收益率。

The bill is a key priority for Senate Banking Chairman Tim Kane, who has been working for months to get the measure approved. House Financial Services Chair Maxine Waters has also expressed support for swift passage of a stablecoin bill.

該法案是參議院銀行主席蒂姆·凱恩（Tim Kane）的關鍵優先事項，他已經工作了幾個月以獲得批准該措施。眾議院金融服務主席Maxine Waters還表示支持迅速通過Stablecoin法案。

Stablecoins are a type of cryptocurrency that are designed to maintain a stable value, typically pegged to a fiat currency, such as the U.S. dollar. They have become increasingly popular in recent years as a means of making cross-border payments and investing in decentralized finance (DeFi) protocols.

穩定幣是一種加密貨幣，旨在保持穩定的價值，通常固定在菲亞特貨幣上，例如美元。近年來，它們作為進行跨境支付和投資分散融資（DEFI）協議的一種手段變得越來越受歡迎。

However, there are concerns that stablecoins could pose systemic risks to the financial system if they are not adequately regulated. For example, if a large issuer of a stablecoin were to become insolvent, it could trigger a liquidity crisis in the crypto market and spill over into the broader financial system.

但是，有人擔心，如果不對的是，穩定幣可能會對金融體系構成系統性風險。例如，如果大型穩定發行人將變得無能償債，它可能會引發加密貨幣市場的流動性危機，並溢出到更廣泛的金融體系中。

The GENIUS Act is intended to mitigate these risks by setting clear rules for the issuance, redemption, and stability of stablecoins. It would also subject stablecoin issuers to regular examination by the appropriate federal agencies.

《天才法》旨在通過為簽發，贖回和穩定穩定的明確規則來減輕這些風險。它還將使穩定發行人經常受到適當的聯邦機構的審查。

In addition to the core provisions on capital requirements and interest payments, the GENIUS Act would also:

除了有關資本要求和利息支付的核心規定外，《天才法》還將：

* Grant the Treasury Secretary the authority to approve the use of foreign stablecoins in the United States.

*授予財政部長批准在美國使用外國穩定的權力。

* Require issuers of stablecoins to provide regular reports on their activities and financial condition.

*要求Stablecoins的發行人提供有關其活動和財務狀況的定期報告。

* Create a new task force to study the role of digital assets in the U.S. financial system.

*創建一個新的工作組來研究數字資產在美國金融體系中的作用。

The Senate is expected to begin debating the GENIUS Act in the coming weeks. The House and Senate will then need to pass identical versions of the bill before it can be sent to President Biden for his signature.

預計參議院將在接下來的幾週內開始辯論《天才法》。然後，眾議院和參議院將需要通過該法案的相同版本，然後才能將其發送給拜登總統的簽名。