美國參議員公佈全面的穩定幣監管框架

參議員吉利布蘭德和魯米斯計劃在參議院引入兩黨穩定幣立法，為穩定幣發行人提供兩條路徑：聯邦或州銀行特許存款機構和受聯邦監管的非存款機構。該法案旨在建立穩定幣的監管框架，促進加密貨幣產業的成長，同時防範不良行為者。

U.S. Senators Propose Comprehensive Stablecoin Legislation

美國參議員提議全面的穩定幣立法

Washington, D.C. - In a significant development for the regulation of digital assets in the United States, Democratic Senator Kirsten Gillibrand (D-NY) and Republican Senator Cynthia Lummis (R-WYO) are set to introduce landmark legislation that would establish a comprehensive framework for stablecoin issuers.

華盛頓特區 - 作為美國數位資產監管的一項重大進展，民主黨參議員 Kirsten Gillibrand（紐約州民主黨）和共和黨參議員 Cynthia Lummis（懷俄明州共和黨）將推出具有里程碑意義的立法，建立一個全面的框架對於穩定幣發行人。

The bipartisan legislation, the product of months of negotiations with federal and state regulators, industry stakeholders, and members of both the Senate and House, aims to strike a delicate balance between fostering innovation in the cryptocurrency industry while safeguarding the interests of consumers and the broader financial system.

這項兩黨立法是與聯邦和州監管機構、行業利益相關者以及參眾兩院成員經過數月談判的產物，旨在在促進加密貨幣行業創新與維護消費者和更廣泛利益之間取得微妙的平衡。金融系統。

Two Paths for Stablecoin Issuers

穩定幣發行者的兩條路徑

At the core of the proposed legislation is a two-pronged approach that provides stablecoin issuers with flexibility in meeting regulatory requirements. Under this framework:

擬議立法的核心是雙管齊下的方法，為穩定幣發行人提供滿足監管要求的靈活性。在此框架下：

• Bank Charter Institutions: Both federally and state-chartered depository institutions, such as banks and credit unions, will be eligible for approval as stablecoin issuers. This path offers the advantage of existing regulatory oversight and consumer protections.
• Non-Depository Institutions: Entities without traditional banking charters can also issue stablecoins, provided they submit to federal supervision. These entities will undergo rigorous examinations to ensure the safety and soundness of their operations.

Ensuring Stablecoin Stability

銀行特許機構：聯邦和州特許的存款機構，例如銀行和信用合作社，都有資格獲得穩定幣發行人的批准。這條路徑提供了現有監管監督和消費者保護的優點。非存款機構：沒有傳統銀行執照的實體也可以發行穩定幣，前提是接受聯邦監管。這些實體將接受嚴格的審查，以確保其營運的安全性和穩健性。確保穩定幣的穩定性

The legislation places paramount importance on maintaining the stability of stablecoins, which are digital assets pegged to the value of real-world fiat currencies like the U.S. dollar. To this end, the legislation mandates that all stablecoin issuers:

該法案極為重視維持穩定幣的穩定性，穩定幣是與美元等現實世界法定貨幣的價值掛鉤的數位資產。為此，立法要求所有穩定幣發行人：

• Maintain 1:1 Backing: Stablecoins must be fully backed by reserves of equivalent value to the number of coins in circulation, ensuring that they can be redeemed at a fixed exchange rate.
• Regular Audits and Reporting: Issuers will be subject to regular audits and reporting requirements to provide transparency and accountability to regulators and the public.

Bipartisan Collaboration and Industry Support

維持1:1的支持：穩定幣必須由與流通中的代幣數量等值的儲備充分支持，確保它們可以以固定匯率兌換。定期審計和報告：發行人將接受定期審計和報告向監管機構和公眾提供透明度和問責制的要求。兩黨合作和產業支持

The legislation reflects a significant shift towards bipartisan support for cryptocurrency regulation. Senator Lummis, who previously opposed the Biden administration's proposed taxation of crypto miners, has embraced the legislation, underscoring its bipartisan appeal.

該立法反映出兩黨對加密貨幣監管支持的重大轉變。先前反對拜登政府對加密貨幣礦工徵稅的參議員盧米斯已經接受了這項立法，突顯了其兩黨的吸引力。

The legislation has also garnered support from industry stakeholders, including the Blockchain Association and Coinbase, who view it as a positive step towards providing greater regulatory certainty for the stablecoin market.

該法案還獲得了區塊鏈協會和 Coinbase 等行業利益相關者的支持，他們認為這是為穩定幣市場提供更大監管確定性的積極一步。

Driving Innovation in Cryptocurrency

推動加密貨幣創新

Senator Gillibrand emphasized that the legislation is not intended to stifle innovation in the cryptocurrency industry but rather to promote responsible growth. "The bill is a product of common sense compromise," she said. "It balances the interests of federal, state, and industry stakeholders. It will help drive innovation in the cryptocurrency landscape."

參議員吉利布蘭德強調，該立法並不是為了扼殺加密貨幣產業的創新，而是為了促進負責任的成長。 「該法案是常識妥協的產物，」她說。 “它平衡了聯邦、州和行業利益相關者的利益。它將有助於推動加密貨幣領域的創新。”

Next Steps

下一步

The legislation is expected to be introduced in the Senate in the coming days or weeks. It will then undergo a committee process, where it will be subject to amendments and further debate. If approved by the Senate, the bill will proceed to the House of Representatives for consideration.

該法案預計將在未來幾天或幾週內提交給參議院。然後它將經過一個委員會程序，進行修改和進一步辯論。如果獲得參議院批准，該法案將提交眾議院審議。

The successful passage of this legislation would mark a major milestone in the regulation of digital assets in the United States, providing a clear and comprehensive framework for the stablecoin industry while fostering innovation and protecting consumer interests.

這項立法的成功通過將標誌著美國數位資產監管的一個重要里程碑，為穩定幣產業提供清晰、全面的框架，同時促進創新和保護消費者利益。