懷俄明州的參議員辛西婭·盧米斯（Cynthia Lummis）將過時的美國付款基礎設施置於焦點

她認為，數字資產，尤其是Stablecoins，提供更快，更便宜，更容易獲得的替代方案

Senator Cynthia Lummis has placed the outdated US payment infrastructure in the spotlight, highlighting how it disadvantages small businesses and pushes innovation offshore. According to a recent report by CoinDesk, Lummis has been a vocal advocate for modernizing the financial system to keep pace with the rapidly changing technological landscape.

參議員辛西婭·盧米斯（Cynthia Lummis）將過時的美國支付基礎設施置於聚光燈下，強調了它如何弊端小型企業並將創新推向海上創新。根據Coindesk的最新報告，Lummis一直是致力於現代化金融體係與快速變化的技術格局的倡導者。

As the Senate advanced the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act, Lummis's position has gained renewed momentum. The bill, which passed a key 66–32 vote to defeat a filibuster, is the first comprehensive federal proposal to regulate stablecoins. It establishes clear frameworks for issuers, introduces consumer protections, and aims to maintain the US dollar's dominance in global finance.

隨著參議院提高指導和建立美國Stablecoins（Genius）法案的國家創新，盧米斯的立場已獲得了新的勢頭。該法案通過了以66-32擊敗擊敗Filibuster的關鍵投票，是首個對Stablecoins進行規範的綜合提議。它為發行人建立了清晰的框架，引入消費者保護措施，並旨在維持美元在全球金融中的統治地位。

However, Lummis has also pointed out that when a small business owner in Cheyenne tries to pay an international supplier using traditional methods, they face delays of up to 10 days and transaction fees as high as 5%. In contrast, stablecoins complete similar transactions in seconds, at a fraction of the cost, and operate 365 days a year.

但是，盧米斯還指出，當夏安的小企業主試圖使用傳統方法向國際供應商支付時，他們將面臨最多10天的延誤，而交易費用高達5％。相比之下，穩定幣在幾秒鐘內完成了類似的交易，佔費用的一小部分，每年365天。

"This isn't just inconvenient. It's a complete disadvantage to American businesses," Lummis stated.

盧米斯說：“這不僅不便。這對美國企業來說是一個完全不利的。”

The GENIUS bill is now set to be considered by the full House of Representatives. If passed by both chambers of Congress and signed into law by President Trump, the US could become the global leader in stablecoin oversight and innovation.

現在的天才法案將被全部眾議院考慮。如果由國會議會的會議廳通過並由特朗普總統簽署為法律，那麼美國可能會成為Stablecoin監督和創新的全球領導人。

Lummis's home state of Wyoming is also backing the Senator's message through practical implementation. The state is preparing to launch its own government-backed stablecoin, the WYST, by July.

盧米斯（Lummis）懷俄明州的家鄉也通過實際實施來支持參議員的信息。該州正準備在7月之前推出自己的政府支持的Stablecoin Wyst。

Created under the Wyoming Stable Token Act signed into law in 2023, the token will be pegged to the US dollar and redeemable for fiat. The Wyoming Stable Token Commission has partnered with LayerZero for the development and deployment of the asset, which is already being tested on multiple networks.

該代幣根據於2023年簽署為法律的懷俄明州穩定代幣法案，將與美元掛鉤，可兌換為菲亞特（Fiat）。懷俄明州穩定的代幣委員會已與LayerZero合作開發和部署資產，該資產已經在多個網絡上進行了測試。

Wyoming's stablecoin initiative serves as a working model for how state governments can embrace blockchain technology, bolstering the case for broader federal adoption.

懷俄明州的Stablecoin倡議是州政府如何採用區塊鏈技術的工作模式，為更廣泛的聯邦採用而加強了這一案例。

The GENIUS Act comes at a time when stablecoins have become the leading form of transaction volume on blockchain networks. As the international race for regulation intensifies, the bill seeks to prevent US innovation from moving offshore.

天才法案是在穩定劑已成為區塊鍊網絡上交易量的主要形式的時候。隨著國際監管種族的加劇，該法案旨在防止我們的創新移動海外。

Comparable regulatory structures have already taken effect in the European Union with MiCA, and other jurisdictions such as Singapore, Hong Kong, the UAE, and Japan are also implementing stablecoin laws.

可比的監管結構已經在歐盟與雲母結構生效，以及其他司法管轄區，例如新加坡，香港，阿聯酋和日本也正在實施Stablecoin法律。

Backers of the bill, including Senators Kirsten Gillibrand, Bill Hagerty, Tim Scott, and Angela Alsobrooks, argue that the legislation will promote responsible innovation and provide regulatory clarity, giving US-based issuers the confidence to scale securely.

該法案的支持者，包括參議員Kirsten Gillibrand，Bill Hagerty，Tim Scott和Angela Alsobrooks，認為該立法將促進負責任的創新並提供監管的清晰度，使我們的發行人有信心安全地擴展。

Industry stakeholders have also voiced support, noting that the framework could enhance market integrity while positioning the US as a global standard-setter.

行業利益相關者還表示支持，並指出該框架可以在將美國定位為全球標準者的同時增強市場完整性。