《天才法》未能于5月8日在美国参议院通过

该法案由参议员比尔·哈格蒂（Bill Hagerty）赞助，并由参议员蒂姆·斯科特（Tim Scott），柯斯滕·吉利布兰（Kirsten Gillibrand），辛西娅·卢米斯（Cynthia Lummis）和安吉拉·阿尔索布鲁克（Angela Alsobrooks）共同赞助。

A bill that aimed to create a legal framework for stablecoins in the United States has failed to pass cloture in the Senate.

一项旨在在美国为Stablecoins建立法律框架的法案未能通过参议院的盘点。

The bill, known as the Guiding and Establishing National Innovation for US Stablecoins of 2025 Act, or GENIUS Act, was introduced by Senator Bill Hagerty and had the support of both Democrats and Republicans. The measure had also been amended last-minute to address the concerns of Senate Democrats, who took aim at the bill and raised concerns about President Donald Trump’s cryptocurrency ventures.

该法案被称为指导和建立国家创新，该法案是由参议员比尔·哈格蒂（Bill Hagerty）引入了《 2025年法案》或《天才法案》的《美国法案》法案，并得到了民主党和共和党人的支持。这项措施也已被修改为最后一刻，以解决参议院民主党人的担忧，后者瞄准了该法案，并提出了对唐纳德·特朗普总统的加密货币企业的担忧。

To address these concerns further, the bill included stricter requirements for stablecoin issuers and further provisions for Anti-Money Laundering.

为了进一步解决这些问题，该法案包括对Stablecoin发行人的更严格要求以及反洗钱的进一步规定。

The GENIUS Act was seen as a bipartisan effort to increase regulatory clarity for digital assets in the United States. The focus of the bill, stablecoins used for payments, was looked at as extending dollar dominance internationally and straying away from more controversial crypto topics.

《天才法》被视为两党的努力，以提高美国数字资产的监管清晰度。该法案的重点是用于付款的Stablecoins，被视为在国际上扩大了美元的统治地位，并偏离了更具争议性的加密主题。

However, the bill faced difficulties passing cloture, which is a parliamentary procedure used in the Senate to limit debate on a bill and advance it to a vote.

但是，该法案遇到了困难，这是参议院中使用的议会程序，以限制对法案的辩论并将其推向投票。

After the procedure failed, Senate Majority Leader John Thune criticized Democrats, saying, “Democrats have been accommodated every step of the way […] frankly, I just don’t get it.”

程序失败后，参议院多数党领袖约翰·图恩（John Thune）批评民主党人说：“民主党人已经被安置在[…]坦率地说，我只是不明白的。”

The vote on cloture was 52-47, with all seven members of the Senate Democratic leadership voting against the bill.

对Cloture的投票为52-47，参议院民主党领导人的所有七名成员都对该法案进行了投票。

The failure to pass cloture deals a slight blow to cryptocurrency regulation in the country, as several bills are being pushed to create a legal framework for digital assets.

未能通过Cloture对该国的加密货币法规略有打击，因为正在敦促一些法案为数字资产创建法律框架。

Earlier this year, the House passed a comprehensive cryptocurrency bill that would create a regulatory framework for digital assets and place limits on the activities of the U.S. Securities and Exchange Commission (SEC) in the crypto space.

今年早些时候，众议院通过了一项全面的加密货币法案，该法案将为数字资产创建监管框架，并对加密货币领域的美国证券交易委员会（SEC）的活动限制。

The bill, known as the Financial Innovation and Technology (FIT) for the 21st Century Act, passed the House of Representatives by a vote of 386–3. It was largely a bipartisan effort, with support from both Democrats and Republicans.

该法案被称为21世纪法案的金融创新和技术（FIT），以386-3的投票通过了众议院。在民主党和共和党人的支持下，这在很大程度上是两党的努力。

The bill is now set to go to the Senate, although it faces an uncertain future in the upper chamber of Congress.

该法案现已将要去参议院，尽管国会上议院面临着不确定的未来。

The House bill aimed to provide regulatory clarity for digital assets and set up a framework for their use in the United States. It would also place limits on the activities of the SEC, which has been the subject of criticism from the cryptocurrency industry for its handling of digital asset regulation.

众议院法案旨在为数字资产提供法规清晰度，并为在美国使用建立框架。这也将对SEC的活动限制，这是加密货币行业对数字资产监管的处理的批评。

The bill also included provisions related to stablecoins, a type of cryptocurrency that is pegged to the value of a fiat currency, such as the dollar. Stablecoins have become increasingly popular in recent years as a means of facilitating cross-border payments and other financial transactions.

该法案还包括与Stablecoins有关的规定，这是一种与法定货币（例如美元）挂钩的加密货币。近年来，稳定币越来越受欢迎，作为促进跨境支付和其他金融交易的一种手段。

The GENIUS Act, which began in the Senate, had aimed to provide an alternative legal framework for stablecoins, focusing on streamlining dollar-denominated payment processing and reducing friction in cross-border transactions. It set forth a licensing and supervision regime for stablecoin issuers, requiring them to maintain capital adequacy and cooperate with relevant U.S. financial intelligence units. The bill aimed to place stablecoins operating in multiple jurisdictions within the scope of U.S. AML and financial intelligence reporting obligations. It also sought to prevent non-U.S. stablecoins from operating in the United States without proper authorization.

《天才法》始于参议院，旨在为Stablecoins提供替代性法律框架，重点是简化美元计价的支付处理并减少跨境交易的摩擦。它为Stablecoin发行人制定了许可和监督制度，要求他们维持资本充足性并与相关的美国金融情报部门合作。该法案旨在将稳定币放置在美国AML和金融情报报告义务范围内的多个司法管辖区。它还试图防止未经适当授权在美国运营非美国稳定。

The bill aimed to strike a balance between innovation in the digital asset space and the need for consumer protection and financial stability. It was a significant step forward in the U.S. Congress's efforts to regulate cryptocurrency and had the potential to shape the future of finance in the country.

该法案旨在在数字资产领域的创新与消费者保护和财务稳定的需求之间取得平衡。这是美国国会为规范加密货币的努力迈出的重要一步，并有可能塑造该国的财务未来。