參議院週一投票通過了首要立法，以規範一些加密貨幣。

在過去的幾周中，該立法在唐納德·特朗普（Donald Trump）總統的加密業務倡議中得到了一些退縮，但該法案最終得到了上議院的16名民主黨人的支持，其中包括新澤西州參議員科里·布克（Cory Booker）和加利福尼亞州參議員亞當·西夫（Adam Schiff），美國廣播公司News（ABC News）指出。

The Senate voted on Monday to advance legislation that would regulate some cryptocurrencies, setting the stage for broader use of digital coins for financial transactions.

參議院週一投票通過了規範一些加密貨幣的立法，為更廣泛使用數字硬幣進行金融交易奠定了基礎。

The legislation, known as the GENIUS Act, is the first of its kind to regulate cryptocurrencies at the federal level. It passed with a vote of 60 to 38.

該立法被稱為《天才法》，是第一個在聯邦一級規範加密貨幣的同類法規。它以60票對38票的投票通過。

The bill, which is backed by the crypto industry, would put in place regulations for stablecoins, a kind of cryptocurrency pegged to the value of another asset, such as the U.S. dollar or gold. Stablecoins are intended to be less volatile than other cryptocurrencies, which can swing wildly in value and may be challenging to use to buy or sell something.

該法案得到了加密貨幣行業的支持，它將針對Stablecoins制定法規，這是一種固定在其他資產的價值的加密貨幣，例如美元或黃金的價值。與其他加密貨幣相比，穩定幣的波動性較小，這種加密貨幣的價值可能會奇怪地搖擺，買賣商品可能具有挑戰性。

Supporters say the measure will protect consumers and set standards for the industry, allowing crypto coins to become a more widely accepted tool for digital payments and other financial transactions.

支持者說，該措施將保護消費者並為行業設定標準，從而使加密硬幣成為數字支付和其他金融交易的更廣泛接受的工具。

Those critical of the bill say it doesn't address concerns about possible conflicts of interest, such as those raised by the president, and that there’s a risk that it puts consumers and the economy at risk because the regulations aren't strong enough.

那些對該法案批評的人說，它並沒有解決對可能利益衝突的擔憂，例如總統提出的那些衝突，並且有風險使消費者和經濟處於危險之中，因為法規不夠強大。

Christian Catalini, the founder of the MIT Cryptoeconomics Lab, supports the measure. He told ABC News that the legislation "sets the stage for these assets to go mainstream."

麻省理工學院加密經濟學實驗室的創始人克里斯蒂安·卡塔利尼（Christian Catalini）支持該措施。他告訴ABC新聞，該立法“為這些資產奠定了舞台，成為主流的舞台。”

Here's what you need to know about the GENIUS Act:The GENIUS Act governs how stablecoins can be issued and exchanged.

這是您需要了解的有關《天才法》的知識：《天才法》管理如何發行和交換穩定的人。

The legislation establishes regulations for issuers of stablecoins, such as a mandate that companies have a reserve of assets underlying the coin in an attempt to protect customers who may otherwise be unable to cash out their cryptocurrency if there's a widespread offloading of a cryptocurrency.

該立法為穩定幣的發行人制定了法規，例如一項授權，即公司儲備金儲備金儲備金儲備金，以保護那些如果有加密貨幣的廣泛卸載，那些否則可能無法兌現其加密貨幣的客戶。

The bill would also require issuers to give coin holders repayment priority if a company goes bust. The legislation mandates that issuers adhere to some anti-money laundering rules and sanctions targeting terrorism.

該法案還將要求發行人在公司破產時將硬幣持有人的償還優先級。立法規定，發行人遵守針對恐怖主義的一些反洗錢規則和製裁。

Backers of the legislation say it puts forward safeguards for consumers and allows for conventional financial companies to enter the system and grow the market for digital currencies.

立法的支持者說，它為消費者提供了保障措施，並允許傳統的金融公司進入系統並發展數字貨幣市場。

Catalini told ABC News that the new legislation "opens the floodgates."

卡塔利尼對ABC新聞說，新立法“打開了閘門”。

"You'll see entry by many issuers. Consumers will all have more choices. This will bring more competition and innovation in payments," he added.

他補充說：“您會看到許多發行人的參賽作品。消費者都有更多的選擇。這將帶來更多的競爭和創新。”

Catalini said that the new rules remove the pressure from consumers to distinguish between good and bad actors in the sector and instead make space for competition based on the quality of the products put forward by the firms entering the stablecoin sphere.

卡塔利尼說，新規則消除了消費者的壓力，要求其區分該行業的好和壞演員，而是根據進入Stablecoin Sphere的公司提出的產品的質量為競爭提供了空間。

"It becomes a game of who can deliver better use-cases and features to consumers and businesses the fastest," he added.

他補充說：“這成為可以為消費者和企業提供最快的最快用例和功能的遊戲。”

Critics, meanwhile, argue that the bill is a weak set of rules, friendly to the industry, that fail to properly protect consumers and guard against the illegal trading of stablecoins.

同時，批評者認為，該法案是一套薄弱的規則，對行業友好，無法適當保護消費者並防止穩定股的非法交易。

Massachusetts Democratic Senator Elizabeth Warren took to the Senate floor on Monday to say that "While a strong stablecoin bill is the best possible outcome, this weak bill is worse than no bill at all."

馬薩諸塞州民主黨參議員伊麗莎白·沃倫（Elizabeth Warren）週一前往參議院樓，說：“儘管有強大的穩定法案是最好的結果，但這項薄弱的法案比根本沒有賬單要糟。”

Critics argue that the legislation doesn't properly deal with the concerns regarding conflicts of interest raised by Trump's entry into the stablecoin market.

批評家認為，該立法沒有適當處理特朗普進入Stablecoin市場引起的利益衝突的擔憂。

The Trump-backed crypto company World Liberty Financial issued a stablecoin in March. Earlier this month, an investment firm based in Abu Dhabi used the coin to invest $2 billion in Binance, a crypto exchange. It meant that Trump's firm could possibly profit from the agreement. The president has rejected any notion of wrongdoing.

由特朗普支持的加密貨幣公司World Financial在三月份發行了Stablecoin。本月早些時候，一家位於阿布扎比的投資公司利用硬幣投資20億美元，以加密交易所為Binance。這意味著特朗普的公司可以從協議中獲利。總統拒絕了任何不法行為的概念。

However, the bill includes a condition that would "prohibit any member of Congress or senior executive branch official from issuing a payment stablecoin product during their time in public service."

但是，該法案包括一個條件，該條件將“禁止國會成員或高級行政部門官員在公共服務期間發行付款Stablecoin產品”。

Warren still argued that the bill doesn't take on concerns about Trump's business.

沃倫仍然辯稱，該法案並不關心特朗普的業務。

"This bill provides even more opportunities to reward buyers of Trump's coins with favors like tariff exemptions, pardons, and government appointments," she said.

她說：“該法案提供了更多的機會，以獎勵特朗普硬幣的買家，諸如稅收豁免，赦免和政府任命等方面。”

The measure will now pass to the House of Representatives, where bipartisan support is likely to be crucial for the bill to clear both chambers by the end of the year.

該措施現在將轉移到眾議院，在眾議院中，兩黨支持對於該法案在年底之前清除兩個房間至關重要。

The legislation is part of a broader effort by Congress to regulate the cryptocurrency industry, which has seen a surge in interest in recent years. The House Financial Services Committee is also expected to vote this week on a bipartisan bill that would create a comprehensive regulatory framework for cryptocurrencies.

該立法是國會為規範加密貨幣行業的廣泛努力的一部分，該行業近年來引起了人們的興趣。眾議院金融服務委員會還預計將在本週對兩黨法案進行投票，該法案將為加密貨幣創建全面的監管框架。

The Senate Banking Committee had planned to vote on the GENIUS Act last week but postponed the vote amid concerns raised by some Democrats about the bill's provisions and the potential for conflicts of interest.

參議院銀行委員會計劃上週對《天才法》進行投票，但由於一些民主黨人對該法案的規定和利益衝突的潛力提出的擔憂，因此推遲了投票。

The committee ultimately voted 15 to 0 to approve the bill, setting the stage for a vote by the full Senate.

委員會最終以15票對0票批准該法案，為全面參議院的投票奠定了基礎。

The bill is now expected to be rolled into a larger year-end government funding bill, which will need to be passed by both chambers of Congress and the president before the end of the year.

現在，該法案有望將其納入更大的年終政府資助法案，在年底之前，國會議會和總統都需要通過該法案。

If the bill is not passed by the end of the year,

如果該法案在年底之前未通過，