如今，Stablecoins引起了很多關注，美國銀行正在採取謹慎的態度

如今，數字貨幣與資產掛鉤的數字貨幣已經引起了很多關注。投資者，銀行和政策制定者都密切關注它們。

Investors, banks, and politicians are all keeping a close eye on stablecoins in 2024. These digital currencies, which are pegged to assets like the U.S. dollar, are a hot topic as the crypto market continues to evolve.

投資者，銀行和政治家在2024年都密切關注Stablecoins。這些數字貨幣與美元這樣的資產掛鉤，這是一個熱門話題，因為加密貨幣市場繼續不斷發展。

One major bank that is monitoring these developments is Bank of America, which is adopting a cautious approach.

一家正在監視這些發展的主要銀行是美國銀行，該銀行正在採用謹慎的方法。

At the Benzinga Tech World Summit, Bank of America CEO Brian Moynihan was asked about the bank’s plans to launch its own stablecoin.

在Benzinga Tech世界峰會上，美國銀行首席執行官Brian Moynihan被問及該銀行推出自己的Stablecoin的計劃。

While noting that the bank is interested in the technology and has the capability to create a stablecoin, he highlighted the need for clear legislation and market infrastructure before such a move can be considered.

在指出該銀行對該技術感興趣並有能力創建一個穩定的人，但他強調了在考慮此舉之前需要明確的立法和市場基礎設施​​。

“If they get the Genius Act or the stable act or anything like that passed—and then they get the markets infrastructure piece—that will allow us to figure out whether there’s really a business proposition in stablecoins,” Moynihan explained.

Moynihan解釋說：“如果他們獲得《天才法案》或《穩定法》或類似的事物，然後他們得到了市場基礎設施​​的作品，那將使我們能夠弄清楚stablecoins中是否確實有業務主張。”

His comments come as the U.S. Senate made progress on a bill to regulate stablecoins.

當美國參議院在規範穩定的法案上取得了進展，他的評論是出現的。

The GENIUS Act bill, which stands for “Good عصر جديد, Inclusive, and Unbiased Solvency Standards,” would set strong rules on how stablecoins should be backed and handled. It also includes provisions for yearly audits for large stablecoin issuers that handle over $50 billion.

天才法案法案代表“良好的凡，包容性和無偏見的償付能力標準”，將製定強有力的規定，以如何支持和處理穩定的穩定性。它還包括針對處理超過500億美元的大型Stablecoin發行人的年度審計的規定。

On Wednesday, Senators voted 68 to 30 to move the bill out of the Senate Banking Committee and into the full Senate for discussion.

週三，參議員投票贊成68至30，將法案移出參議院銀行委員會，並進入參議院進行討論。

The vote paves the way for more debate on the bill and brings it closer to a final decision.

投票為有關該法案的更多辯論鋪平了道路，並使該法案更接近最終決定。

Senator Tim Scott, a key figure in pushing for the bill, described it as a significant step. He highlighted how members of both major parties came together to vote for the bill.

參議員蒂姆·斯科特（Tim Scott）是推動該法案的關鍵人物，他將其描述為重要的一步。他強調了兩個主要各方的成員如何聚集在一起為該法案投票。

While some Democrats, such as Senators Chuck Schumer and Elizabeth Warren, voted against the bill, other Democrats, like Senator Ruben Gallego, joined Republicans in showing support for the bill.

雖然一些民主黨人，例如參議員查克·舒默（Chuck Schumer）和伊麗莎白·沃倫（Elizabeth Warren）對該法案投了反對票，但其他民主黨人，例如參議員魯本·加勒戈（Ruben Gallego），也加入了共和黨人，向共和黨人表示支持。

It remains to be seen whether the bill will ultimately be passed by Congress and approved by the President.

該法案是否最終將由國會通過並獲得總統批准還有待觀察。

However, the broad support for advancing the bill to the next stage indicates a strong interest in setting up clear regulations for the rapidly growing crypto market.

但是，將法案推進下一階段的廣泛支持表明，對製定快速增長的加密貨幣市場的明確法規產生了濃厚的興趣。

President Donald Trump’s advisors have also confirmed that he is in favour of the legislation and wants to see it passed before Congress adjourns for the August recess.

唐納德·特朗普（Donald Trump）總統的顧問還確認，他贊成該立法，並希望在國會休會前參加八月的休會。

The strong backing from the White House is giving banks and companies greater confidence that they can expect to see clear regulation in place.

白宮的強烈支持是使銀行和公司更有信心，他們可以期望看到明確的法規。

This will be crucial for major institutions to feel comfortable proceeding further with their own initiatives in the stablecoin space.

這對於主要機構來說至關重要的是，要在Stablecoin領域通過自己的舉措進一步繼續前進。