Nyag，stablecoins和FDIC保護：導航監管迷宮

Nyag對缺乏保障措施的穩定立法提出了擔憂。 Amina Bank支持Ripple的RLUSD，這表明在受管制的穩定股中的機構興趣不斷增長。

NYAG, Stablecoins, and FDIC Protections: Navigating the Regulatory Maze

Nyag，stablecoins和FDIC保護：導航監管迷宮

The stablecoin landscape is heating up, with regulators and institutions alike vying for control. The latest developments revolve around concerns raised by the New York Attorney General (NYAG) regarding stablecoin legislation, coupled with increased institutional interest in regulated stablecoins like Ripple's RLUSD. Let's dive in!

穩定的景觀正在加熱，監管機構和機構都在爭奪控制。最新事態發展圍繞著紐約總檢察長（NYAG）對穩定立法提出的擔憂，再加上在Ripple的RLUSD等受監管的穩定股中的機構利益的增加。讓我們潛入！

NYAG Sounds the Alarm on Weak Stablecoin Bills

Nyag在薄弱的穩定賬單上發出警報

New York Attorney General Letitia James isn't pulling any punches. She's warning that some proposed federal stablecoin legislation is dangerously flawed. In a June 30 letter, she expressed concerns that the STABLE Act and GENIUS Act lack critical safeguards, potentially exposing U.S. financial markets to chaos. She's urging Congress to treat stablecoin issuers more like banks, subjecting them to Federal Reserve supervision, capital and liquidity standards, and mandatory audits. Think of it like this: she wants stablecoins to play by the same rules as the big boys.

紐約總檢察長萊蒂蒂亞·詹姆斯（Letitia James）沒有舉起任何拳。她警告說，一些擬議的聯邦Stablecoin立法存在危險的缺陷。在6月30日的一封信中，她表示擔心穩定的法案和天才法案缺乏關鍵的保障措施，可能使美國金融市場陷入混亂。她敦促國會更像銀行對待穩定的發行人，使他們接受美聯儲監督，資本和流動性標準以及強制性審計。這樣想：她希望Stablecoins按照與大男孩相同的規則演奏。

James is pushing for customer funds to be held in bankruptcy-remote structures and for retail holders to have timely redemption rights. She also wants clear records to enable pass-through FDIC insurance. Interest-bearing stablecoins? She thinks they should be regulated as securities. Basically, she's advocating for robust consumer protection and financial stability.

詹姆斯（James）敦促客戶資金在破產示威結構中持有，並要求零售持有人及時贖回權利。她還希望清晰的記錄啟用通過FDIC保險。擁有興趣的穩定蛋白？她認為應將其視為證券。基本上，她倡導強大的消費者保護和財務穩定。

Ripple's RLUSD Gains Traction with AMINA Bank Support

Ripple的RLUSD獲得了Amina銀行支持的吸引力

Meanwhile, across the pond (well, technically in Switzerland), AMINA Bank AG is making waves by offering custodial and trading services for Ripple's stablecoin, Ripple USD (RLUSD). This is a big deal because AMINA Bank is the first globally regulated bank to directly support RLUSD, a stablecoin backed 1:1 by the U.S. dollar. As of June 2025, RLUSD had a circulating supply of over $440 million.

同時，在整個池塘（從技術上講，在瑞士的技術上），Amina Bank AG通過為Ripple的Stablecoin，Ripple USD（RLUSD）提供託管和貿易服務而引起轟動。這很重要，因為Amina Bank是第一家直接支持RLUSD的全球監管銀行，這是一筆由美元支持的穩定的銀行。截至2025年6月，RLUSD的供應量超過4.4億美元。

This move signals growing institutional interest in regulated stablecoins. AMINA Bank sees this as a way to satisfy clients' governance requirements while embracing innovation in digital finance. RLUSD's reserves are backed by U.S. government securities and are designed for institutional applications like trading and remittances. It's all about transparency, regulation, and financial stability – buzzwords that regulators love.

此舉表明，在受管制的穩定的穩定性中，機構興趣不斷增加。 Amina Bank認為這是滿足客戶治理要求的一種方式，同時擁抱數字融資的創新。 RLUSD的儲量得到了美國政府證券的支持，並專為諸如交易和匯款之類的機構應用而設計。這一切都與透明度，法規和財務穩定性有關 - 監管者喜歡的流行語。

The Bigger Picture: A Patchwork of Regulations and Institutional Adoption

大局：法規和機構採用的拼湊

What does all this mean? The stablecoin space is evolving rapidly. Regulators are scrambling to create frameworks, while institutions are cautiously dipping their toes in the water with regulated stablecoins. The NYAG's concerns highlight the need for comprehensive legislation that protects consumers and prevents financial instability. AMINA Bank's support for RLUSD shows that institutions are looking for compliant ways to engage with digital assets.

這意味著什麼？穩定空間正在迅速發展。監管機構正在爭先恐後地創建框架，而機構則謹慎地將其腳趾浸入水中。 NYAG的關注點突出了需要保護消費者並防止金融不穩定的全面立法的必要性。阿米娜·銀行（Amina Bank）對RLUSD的支持表明，機構正在尋找合規的方式來參與數字資產。

It's like watching a high-stakes poker game. Everyone's trying to figure out the rules while simultaneously placing their bets. The future of stablecoins hinges on striking a balance between innovation and regulation. And whether stablecoins can ultimately obtain FDIC protections.

這就像觀看高風險撲克遊戲。每個人都試圖弄清楚規則，同時下注。 Stablecoins的未來取決於在創新和監管之間取得平衡。以及穩定劑是否最終可以獲得FDIC保護。

Final Thoughts

最後的想法

So, what's next? Keep an eye on Congress as they grapple with stablecoin legislation. Watch for more institutions to explore regulated stablecoins like RLUSD. And remember, in the world of crypto, it's always wise to buckle up and expect the unexpected. Who knows, maybe one day we'll all be paying for our morning coffee with stablecoins, insured by the FDIC, of course!

那麼，下一步是什麼？當他們努力應對穩定立法時，請密切關注國會。觀看更多的機構，以探索像RLUSD這樣的受監管的穩定幣。請記住，在加密貨幣世界中，彎腰並期待意外的事情總是很明智的。誰知道，也許有一天我們都會為我們的早上咖啡付錢，當然是由FDIC保險的！