FIT21：该法案可以使美国数字资产的使用正常化

ure：我正在帮助构建 Coinbits.app，一个比特币银行平台。）

The US Capitol in Washington, DC, US, on Thursday, May 16, 2024.

2024 年 5 月 16 日星期四，美国华盛顿特区的美国国会大厦。

(Full disclosure: I’m helping build Coinbits.app, a bitcoin banking platform.)

（全面披露：我正在帮助构建 Coinbits.app，一个比特币银行平台。）

Yesterday, the House of Representatives voted to pass the Financial Innovation and Technology for the 21st Century Act (FIT21) yesterday, and the political and regulatory landscape around cryptocurrency is bracing for a seismic shift.

昨天，众议院投票通过了《21 世纪金融创新和技术法案》(FIT21)，围绕加密货币的政治和监管格局正面临着巨大的转变。

FIT21 is designed to establish a clear regulatory framework for the cryptocurrency market in the U.S. It delineates when the Securities and Exchange Commission (SEC) or the Commodity Futures Trading Commission (CFTC) has jurisdiction, introduces consumer protections around self custody, and prohibits federal agencies from preventing the use of cryptocurrencies. Notably, it asks the Treasury to study stablecoins and attempts to define decentralized systems, providing a pathway for assets to be certified as sufficiently decentralized and thus labeled as commodities.

FIT21旨在为美国的加密货币市场建立一个明确的监管框架，它界定了美国证券交易委员会（SEC）或商品期货交易委员会（CFTC）何时拥有管辖权，引入了围绕自我托管的消费者保护，并禁止联邦机构阻止加密货币的使用。值得注意的是，它要求财政部研究稳定币并尝试定义去中心化系统，为资产被认证为充分去中心化并因此被贴上商品标签提供途径。

This bill represents a critical step forward in normalizing the use of digital assets in the U.S. By classifying certain digital assets as commodities and others as securities, FIT21 could significantly alleviate the regulatory ambiguities that have clouded the industry's growth.

该法案代表了美国数字资产使用正常化的关键一步。通过将某些数字资产归类为商品，将其他数字资产归类为证券，FIT21 可以显着缓解给该行业增长带来阴影的监管模糊性。

The SEC’s role in reviewing and responding to applications within 90 days, determining the decentralized nature of assets, marks a potentially transformative process for the industry. In a word, Gary Gensler’s and Elizabeth Warren’s “Anti-Crypto Army” has been defanged.

SEC 在 90 天内审查和回复申请、确定资产的去中心化性质，这标志着该行业潜在的变革过程。总之，加里·詹斯勒（Gary Gensler）和伊丽莎白·沃伦（Elizabeth Warren）的“反加密大军”已经被削弱了。

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The fact that the bill was passed with bipartisan support indicates shifting attitudes toward digital assets in Washington. Until recently, Republicans, and some dissident Democrats, have incorporated pro-crypto messaging into their platforms and positioning themselves as proponents of financial innovation. However, yesterday’s bipartisan vote signifies a growing recognition of the political and economic significance of the crypto voter bloc.

该法案在两党支持下获得通过这一事实表明华盛顿对数字资产的态度发生了转变。直到最近，共和党人和一些持不同政见的民主党人已将支持加密货币的信息纳入其平台，并将自己定位为金融创新的支持者。然而，昨天的两党投票表明人们越来越认识到加密货币选民群体的政治和经济意义。

FIT21 will not become law right away, given that there is no corresponding bill in the U.S. Senate. However, when combined with the recent overturning of SAB 121 and the emergence of cryptocurrency as a presidential campaign issue, it signals a broader strategic pivot. Going forward, digital assets will be recognized as a significant electoral lever that could influence election outcomes.

鉴于美国参议院没有相应法案，FIT21不会立即成为法律。然而，结合最近 SAB 121 的推翻以及加密货币作为总统竞选问题的出现，它标志着更广泛的战略支点。展望未来，数字资产将被认为是可能影响选举结果的重要选举杠杆。

The outcome of the FIT21 vote and the evolving political discourse around cryptocurrency regulation are likely to have profound implications for the economy in 2024 and beyond. As the Senate looks to appoint new commissioners at major regulatory agencies in 2025, the influence of crypto-friendly policymakers could shape the future regulatory environment, making it more conducive to innovation and growth in the crypto sector.

FIT21 投票的结果以及围绕加密货币监管不断演变的政治话语可能会对 2024 年及以后的经济产生深远影响。随着参议院希望在 2025 年任命主要监管机构的新委员，加密货币友好型政策制定者的影响力可能会塑造未来的监管环境，使其更有利于加密货币行业的创新和增长。

Yesterday’s vote is a positive sign for the potential for digital assets to flourish in the U.S., giving voters hope that America may not relinquish its role as a leader in global finance any time soon.

昨天的投票是数字资产在美国蓬勃发展的潜力的积极信号，让选民希望美国不会很快放弃其作为全球金融领导者的角色。