《天才法》：一项允许银行签发稳定的法案

一项名为《天才法》的法案迈出了成为法律的关键一步。除其他事项外，它将允许银行（常规，普通银行）发行一种称为“ Stablecoins”的加密货币形式。

Unless you are super into cryptocurrency, it’s really easy to tune out crypto news — just like you tune out your cousin who spends family get-togethers bragging about all the money he’s making from Bitcoin.

除非您非常喜欢加密货币，否则请调整加密新闻真的很容易 - 就像您调整了表弟，他们花了家人聚会，吹嘘他从比特币中赚到的所有钱一样。

But you might want to actually pay attention to the piece of crypto news that came out of the U.S. Senate last night: A bill called the GENIUS Act took a key step towards becoming law.

但是您可能想真正注意昨晚美国参议院出现的加密新闻：一项名为《天才法案》的法案迈出了成为法律的关键一步。

Among other things, it would allow banks — regular, normal banks — to issue a form of cryptocurrency called “stablecoins.”

除其他事项外，它将允许银行（常规，普通银行）发行一种称为“ Stablecoins”的加密货币形式。

Unlike Bitcoin or Dogecoin or other cryptocurrencies whose values are extremely volatile, stablecoins are supposed to be stable. One of them should equal one dollar, today, tomorrow and forever.

与比特币或狗狗币或其他价值极为挥发性的加密货币不同，稳定的稳定性应该是稳定的。他们中的一个应该等于今天，明天和永远的一美元。

Dante Disparte is chief strategy officer at Circle, which has issued $61 billion worth of stablecoins, “a digital dollar that has supported activities around the world in the way that you and I would send emails to one another,” he said.

Dante Disparte是Circle的首席战略官，该战略官已发行了价值610亿美元的Stablecoins，“这是一种数字美元，以您和我将彼此发送电子邮件的方式支持世界各地的活动，”他说。

Unlike good old fashioned greenbacks, stablecoins move at the speed of the internet — no time wasted for financial clearing houses or cross-border transaction settlements.

与良好的老式绿背不同，Stablecoins以互联网的速度移动 - 没有浪费时间用于财务清算房屋或跨境交易和解。

Disparte said if the GENIUS Act becomes law, stablecoins will modernize our payment systems.

Disparte表示，如果《天才法》成为法律，Stablecoins将现代化我们的支付系统。

“Cross border payments is one prevalent use case that is pretty common and has limited competitive interest around the world. Peer-to-peer remittances is another really important real world use case,” said Disparte.

Disparte说：“跨境付款是一种普遍的用例，在世界各地都具有有限的竞争利益。点对点汇款是另一个非常重要的现实世界用例。”

Think Venmo, only with stablecoins.

想想Venmo，只有稳定剂。

But for now, they’re mostly used for crypto trading. Speculators use stablecoins to borrow and buy and sell more crypto, which is why Duke lecturing fellow Lee Reiners is worried about banks like, say, JPMorgan Chase or Bank of America getting in on the action.

但是目前，它们主要用于加密交易。投机者使用Stablecoins借用和买卖更多的加密货币，这就是为什么杜克（Duke）讲课李·赖纳斯（Lee Reiners）担心诸如摩根大通（JPMorgan Chase）或美国银行（Bank of America）之类的银行的原因。

“Problems in the crypto sector could, through stablecoins, spill into the banking system,” said Reiners.

雷纳斯说：“加密行业的问题可能会通过稳定币溢出到银行系统中。”

For instance, say stablecoin companies buy billions in U.S. treasury bonds to back their coins. Reiners fears a bank run scenario, where if everyone panics and tries to redeem their stablecoins for actual fiat currency, those companies will have to sell their bonds en masse.

例如，Stablecoin公司说，在美国国库券中购买了数十亿美元以支持其硬币。莱因斯（Reiners）担心银行运行的情况，如果每个人都感到恐慌并试图赎回其稳定币以实际菲亚特货币，那么这些公司将不得不大量出售其债券。

“So the price of treasuries could potentially plummet the bigger the stable coin market gets, potentially driving up borrowing costs for for the rest of us in the real economy,” said Reiners.

雷纳斯说：“因此，国库的价格可能会下降，而稳定的硬币市场的价格就越大，在实际经济中，我们其他人可能会增加借贷成本。”

Stablecoin enthusiasts say those risks are overblown, and that the bill offers rules and regulations that don’t exist right now.

Stablecoin的爱好者说，这些风险被夸大了，该法案提供了目前不存在的规则和规定。

“You want to make sure that the U.S. government and all the respective agencies can supervise them, can enforce against wrongdoing,” said Salah Ghazzal of the industry trade group Blockchain Association.

“您想确保美国政府和所有各自的机构都可以监督它们，可以对不当行为进行强制执行，”行业贸易集团区块链协会的萨拉赫·盖扎尔（Salah Ghazzal）说。

The Senate bill, which received bipartisan support, must be reconciled with a similar bill making its way through the House before it can be sent to President Donald Trump.

获得两党支持的参议院法案必须与一项类似的法案进行调和，然后将其通过众议院送往唐纳德·特朗普总统。

 

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