與Stablecoin Bill aka Genius法案

與Stablecoin Bill aka Genius法案

A new bill is set to pass through the US Senate, which could see the biggest names in banking join forces to create a joint stablecoin venture. According to a recent report by The Wall Street Journal, top-tier banking institutions like Wells Fargo, Bank of America, JPMorgan Chase, and Citigroup are currently evaluating the possibility of a joint collaboration for a stablecoin project.

一項新法案將通過美國參議院，這可能會使銀行聯合的最知名人士聯合起來，以創建一個聯合的Stablecoin企業。根據《華爾街日報》的最新報告，富國銀行，美國銀行，摩根大通和花旗集團等頂級銀行機構目前正在評估與Stablecoin項目共同合作的可能性。

As the bill, titled the “GENIUS Act,” continues its journey through the Senate, commercial banks are already preparing for the next big opportunity in the stablecoin market. These developments have sent jitters through the crypto market, especially to Circle’s USDC, which saw its dollar-peg fumble a bit, slipping to $0.9987 earlier today.

作為標題為“天才法”的法案，繼續在參議院繼續旅程，商業銀行已經在為Stablecoin市場的下一個大機會做準備。這些事態發展使煩惱通過加密貨幣市場，尤其是Circle的USDC，後者看到了它的Dollar-peg失敗，今天早些時候下跌至0.9987美元。

The report by the WSJ notes that the initiative is still in its early stages of planning, and there's no guarantee it will materialize. A big focus of the report is also on the competitive threat posed by big tech firms and retailers, pushing institutions to adapt quickly or risk losing their payments and deposit base.

WSJ的報告指出，該計劃仍處於計劃的早期階段，並且不能保證它會實現。該報告的重點也是大型科技公司和零售商構成的競爭威脅，推動機構快速適應或冒著失去付款和存款基礎的風險。

This new legislation would create a legal framework specifically tailored for stablecoins, aiming to provide the necessary structure for the seamless integration of cryptocurrencies into the broader financial system.

這項新立法將建立一個專門針對穩定幣量身定制的法律框架，旨在為將加密貨幣無縫整合到更廣泛的金融體系中提供必要的結構。

The bill, which stands for "Genuine Economic Recovery and Integration, U.S. Services, and Small Business Act," is set to be voted on by the full Senate soon. It includes provisions that permit national and state-charted banks, as well as nonbanks with assets exceeding $50 billion, to apply for permits to issue stablecoins, provided they maintain complete backing by U.S. dollars in a dedicated account at a Federal Reserve Bank.

該法案代表“真正的經濟復甦與融合，美國服務和小型企業法”，將很快被全部參議院投票。它包括允許國家和國家創建銀行以及資產超過500億美元的非銀行申請簽發StableCoins的許可的規定，前提是它們在美聯儲銀行的專用帳戶中保留全部支持。

The bill would also restrict public companies outside the financial sector, like Apple or Google, from engaging in stablecoin activities.

該法案還將限制金融部門以外的上市公司，例如Apple或Google，從事Stablecoin活動。

The initiative to introduce a USD-backed stablecoin on the Ethereum blockchain also comes from France’s Société Générale, highlighting the broader interest in exploring this avenue for cost-effective and rapid payments, especially for cross-border transactions.

在以太坊區塊鏈上引入以美元支持的穩定的倡議也來自法國的Sociétégénérale，強調了更廣泛的興趣探索這一進行具有成本效益和快速付款的途徑，尤其是用於跨境交易。