美國參議院對Stablecoin立法的地標投票標誌著數字貨幣的新時代。了解這對金融的未來意味著什麼。

Stablecoin Revolution: US Senate Paves the Way with Federal Law

Stablecoin革命：美國參議院與聯邦法律鋪平道路

Hold on to your hats, folks! The stablecoin scene is about to get a whole lot more stable, thanks to the US Senate. In a move that could reshape online payments, they've passed the first-ever federal rules for dollar-backed cryptocurrencies. It's a big deal, and here's why.

抓住你的帽子，伙計們！多虧了美國參議院，Stablecoin場景即將變得更加穩定。以可能重塑在線付款的舉動，他們通過了有史以來的第一筆聯邦加密貨幣規則。這很重要，這就是原因。

A Historic Win for Digital Currency

數字貨幣的歷史勝利

The Senate, in a bipartisan vote of 68-30, approved what's being called the GENIUS Act. This legislation establishes federal oversight for stablecoins, those digital tokens pegged to the US dollar. After months of negotiations, this marks a significant victory for the crypto world, with 18 Democrats joining Republicans in support.

參議院以68-30的兩黨投票批准了所謂的《天才法》。這項立法確立了對Stablecoins的聯邦監督，這些數字代幣與美元掛鉤。經過幾個月的談判，這標誌著加密貨幣世界的重大勝利，有18名民主黨人加入共和黨人的支持。

Key Points of the Stablecoin Legislation

穩定立法的要點

So, what does this law actually do? Here’s the breakdown:

那麼，該法律實際上是做什麼的？這是崩潰：

• Backing Requirements: Stablecoin companies must back their tokens with cash or Treasury bonds. Think of it as the digital equivalent of keeping your money in the bank.
• Transparency: Monthly public reports and regular audits will be mandatory for large issuers. No more hiding behind the blockchain!
• Regulatory Framework: Clear rules for issuing and managing dollar-pegged tokens, bringing much-needed legitimacy to the sector.

The Impact on the Market

對市場的影響

The market's already reacting! Stablecoin market value hit a record $251.7 billion recently, jumping 22% since January. Circle’s stock has soared, and major retailers like Amazon and Walmart are reportedly exploring stablecoin payments. Even Bank of America is getting in on the action. Deutsche Bank notes stablecoin transactions reached $28 trillion last year, surpassing the combined transactions of Mastercard and Visa. This isn't just crypto nerds playing around anymore; this is mainstream finance.

市場已經做出反應！ Stablecoin的市場價值最近達到了創紀錄的2517億美元，自1月以來增長了22％。 Circle的股票飆升了，據報導，亞馬遜和沃爾瑪等主要零售商正在探索Stablecoin的付款。甚至美國銀行也在採取行動。去年，德意志鈔票的穩定幣交易達到了28萬億美元，超過了萬事達卡和簽證的合併交易。這不僅僅是加密書呆子的演奏，不再是四處玩。這是主流金融。

Trump's Take and Political Wrangling

特朗普的舉止和政治爭吵

Former President Trump, who has earned at least $57 million from crypto ventures in 2024, is urging the House to pass the bill quickly. "Get it to my desk, ASAP — NO DELAYS, NO ADD ONS," he posted on Truth Social. The House, however, needs to reconcile its own stablecoin legislation first. The White House is pushing for a final version before Congress's August recess. While Senator Elizabeth Warren raised ethics concerns, citing Trump's crypto holdings, the momentum seems unstoppable.

前總統特朗普（Trump）在2024年從加密貨幣公司（Crypto Ventures）獲得了至少5700萬美元的收入，他敦促眾議院迅速通過該法案。他在“真相社交”上張貼：“盡快把它帶到我的桌子上，沒有延誤，沒有加上。”但是，眾議院需要首先調和自己的Stablecoin立法。白宮正在國會八月的休會前推動最終版本。伊麗莎白·沃倫（Elizabeth Warren）參議員引起了倫理問題的關注，理由是特朗普的加密貨幣持有人，但這種勢頭似乎不可阻擋。

The Future is Stable... Coin?

未來是穩定的...硬幣？

Treasury Secretary Scott Bessent predicts the US stablecoin market could grow to over $2 trillion by 2028. Circle's chief strategy officer, Dante Disparte, believes the GENIUS Act will

財政部長斯科特·貝斯特（Scott Bessent）預測，到2028年，美國穩定市場可能會增長到2萬億美元。