Genius Act通过了参议院辩论动议，比特币打破了110,000美元，创造了创纪录的高级

最近，Stablecoin法案“ Genius Act”以69票赞成和31票反对的参议院辩论动议，并正式进入修订阶段。

The U.S. Senate voted 69-31 on Monday to advance a bill that would create a framework for regulating stablecoins, kicking off what could be a final push to get the measure over the finish line this year.

美国参议院周一以69-31投票通过了一项法案，该法案将创建一个框架来规范Stablecoins，从而启动了今年将这项措施超越终点线的最终推动力。

The Senate Finance Committee approved the "GENIUS Act" in May, setting the stage for broader consideration by the full Senate. The House Financial Services Committee also passed its own version of a stablecoin bill earlier this year.

参议院财政委员会于5月批准了《天才法》，为整个参议院提供了更广泛的考虑。众议院金融服务委员会还于今年早些时候通过了自己的一项Stablecoin法案。

The legislation, which is an acronym for "Stability, Genesis, and Integration of Useful Network संपत्तिव्यवहार Act," would require issuers of stablecoins to maintain a 1:1 reserve of high-quality assets, such as U.S. Treasury bonds or cash. It would also prohibit stablecoins from paying interest or other forms of yield to holders.

该立法是“有用网络的稳定，创世纪和整合”的首字母缩写，要求稳定的发行人维持1：1高质量资产的储备，例如美国财政债券或现金。这也将禁止稳定币向持有人支付利息或其他形式的收益率。

The bill is a key priority for Senate Banking Chairman Tim Kane, who has been working for months to get the measure approved. House Financial Services Chair Maxine Waters has also expressed support for swift passage of a stablecoin bill.

该法案是参议院银行主席蒂姆·凯恩（Tim Kane）的关键优先事项，他已经工作了几个月以获得批准该措施。众议院金融服务主席Maxine Waters还表示支持迅速通过Stablecoin法案。

Stablecoins are a type of cryptocurrency that are designed to maintain a stable value, typically pegged to a fiat currency, such as the U.S. dollar. They have become increasingly popular in recent years as a means of making cross-border payments and investing in decentralized finance (DeFi) protocols.

稳定币是一种加密货币，旨在保持稳定的价值，通常固定在菲亚特货币上，例如美元。近年来，它们作为进行跨境支付和投资分散融资（DEFI）协议的一种手段变得越来越受欢迎。

However, there are concerns that stablecoins could pose systemic risks to the financial system if they are not adequately regulated. For example, if a large issuer of a stablecoin were to become insolvent, it could trigger a liquidity crisis in the crypto market and spill over into the broader financial system.

但是，有人担心，如果不对的是，稳定币可能会对金融体系构成系统性风险。例如，如果大型稳定发行人将变得无能偿债，它可能会引发加密货币市场的流动性危机，并溢出到更广泛的金融体系中。

The GENIUS Act is intended to mitigate these risks by setting clear rules for the issuance, redemption, and stability of stablecoins. It would also subject stablecoin issuers to regular examination by the appropriate federal agencies.

《天才法》旨在通过为签发，赎回和稳定稳定的明确规则来减轻这些风险。它还将使稳定发行人经常受到适当的联邦机构的审查。

In addition to the core provisions on capital requirements and interest payments, the GENIUS Act would also:

除了有关资本要求和利息支付的核心规定外，《天才法》还将：

* Grant the Treasury Secretary the authority to approve the use of foreign stablecoins in the United States.

*授予财政部长批准在美国使用外国稳定的权力。

* Require issuers of stablecoins to provide regular reports on their activities and financial condition.

*要求Stablecoins的发行人提供有关其活动和财务状况的定期报告。

* Create a new task force to study the role of digital assets in the U.S. financial system.

*创建一个新的工作组来研究数字资产在美国金融体系中的作用。

The Senate is expected to begin debating the GENIUS Act in the coming weeks. The House and Senate will then need to pass identical versions of the bill before it can be sent to President Biden for his signature.

预计参议院将在接下来的几周内开始辩论《天才法》。然后，众议院和参议院将需要通过该法案的相同版本，然后才能将其发送给拜登总统的签名。