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加密货币新闻

天才法:稳定的调节在美国加热

2025/07/29 18:05

《天才法案》旨在规范美国的稳定币,这是对加密工资单,金融科技初创公司和数字融资的未来的意义。

Hold on to your hats, folks! The GENIUS Act is here, and it's about to shake up the stablecoin scene in the U.S. Buckle up; it will impact everything from crypto payroll to how fintech startups operate.

抓住你的帽子,伙计们!天才的行为就在这里,它即将动摇美国的稳定场景。这将影响从加密货币到金融科技初创公司运作的所有内容。

What's the Deal with the GENIUS Act?

《天才法》有什么关系?

Passed by the Senate on June 17, 2025, the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act) finally defines the legal boundaries for "payment stablecoins." This is a watershed moment because, for the first time, we have a unified regulatory framework for issuing, supervising, and operating stablecoins across the U.S.

参议院于2025年6月17日通过,指导和建立了美国稳定法案(Genius Act)的国家创新,最终定义了“付款Stablecoins”的法律界限。这是一个分水岭,因为我们第一次有一个统一的监管框架,用于在美国发行,监督和操作Stablecoins

Defining a Payment Stablecoin

定义付款Stablecoin

So, what exactly qualifies as a "payment stablecoin" under the GENIUS Act? To make the cut, a digital asset must:

那么,根据《天才法》,什么才是“付款Stablecoin”的资格呢?要进行削减,数字资产必须:

  1. Be pegged to and maintain a stable value relative to a fiat currency (like the U.S. dollar).
  2. Be redeemable on demand for the pegged fiat currency.
  3. Be issued by a permitted payment stablecoin issuer.

This definition makes it clear that the Act is targeting fiat-backed stablecoins that act like digital dollars, excluding securities and other crypto assets not designed to maintain parity with fiat.

该定义清楚地表明,该法案针对的是菲亚特支持的稳定币,其作用像数字美元,不包括证券和其他旨在保持与菲亚特均等的加密资产。

Who Gets to Play? Issuers Under the GENIUS Act

谁可以玩? 《天才法》的发行人

The GENIUS Act introduces a closed-loop system, defining who can legally issue stablecoins in the U.S. If you're not on the list, you're out!

《天才法案》介绍了一个闭环系统,定义了谁可以在美国法律上签发stablecoins,如果您不在列表中,那就不在了!

A Permitted Payment Stablecoin Issuer must meet one of these criteria:

允许的付款Stablecoin发行人必须符合以下标准之一:

  1. Federally Insured Bank or Credit Union: A bank or credit union with federal insurance that has been specifically approved to issue stablecoins.
  2. Federal Qualified Payment Stablecoin Issuer: A non-bank entity approved by the Office of the Comptroller of the Currency (OCC) to issue stablecoins.
  3. State Qualified Payment Stablecoin Issuer: An entity licensed and approved by a state regulatory authority, provided it complies with federal notification and oversight requirements.

Decentralized protocols, foreign entities without reciprocal agreements, and unlicensed digital asset service providers? Sorry, no stablecoin party for you.

分散协议,无互惠协议的外国实体以及无执照的数字资产服务提供商?抱歉,您没有稳定的聚会。

Compliance is Key

合规性是关键

If you're an issuer, get ready to jump through some hoops. The GENIUS Act sets clear requirements for reserve, disclosures, and reporting. Here are some highlights:

如果您是发行人,请准备跳过一些篮球。 《天才法》为储备,披露和报告制定了明确的要求。以下是一些亮点:

  1. 1:1 Reserve Backing: Every stablecoin must be backed one-to-one by high-quality liquid assets.
  2. Transparent Redemption Terms: Issuers need to publish a clear policy on how users can redeem stablecoins.
  3. Monthly Disclosures: Get ready to release monthly reports showing how many stablecoins are in circulation and what assets back them.
  4. Audit Obligations: Regulators might come knocking to ensure you're playing by the rules.

The Future of Crypto Payroll and Fintech Startups

加密工资和金融科技初创公司的未来

The GENIUS Act is a game-changer. Requiring a 1:1 reserve backing and switching regulators from the SEC to bank-centered ones like the Federal Reserve and FDIC. This aims to boost stability and consumer protection but imposes stricter rules on stablecoin issuers.

《天才法》是改变游戏规则的人。需要1:1的储备支持,并将监管机构从SEC转换为以银行为中心的储备金,例如美联储和FDIC。这旨在提高稳定性和消费者的保护,但对Stablecoin发行人施加了更严格的规则。

Opportunities and Challenges

机遇和挑战

With more trust in stablecoins due to strong reserve backing, small and medium businesses might be encouraged to start using crypto payroll, which is excellent for unbanked folks. However, compliance costs and operational challenges might hit smaller firms hard.

由于强大的储备支持,可能会鼓励人们对稳定币的信任,因此可能鼓励中小型企业开始使用加密工资单,这对没有账户的人来说非常好。但是,合规成本和运营挑战可能会严重打击较小的公司。

Fintech startups will have to navigate a jumble of federal and state rules, which could affect their ability to enter or partner in U.S. markets. Getting in line with the GENIUS Act is going to take some work, especially when it comes to building systems that can work alongside both traditional and crypto money.

金融科技初创公司将不得不浏览联邦和州规则的混乱,这可能会影响他们进入或合作在美国市场的能力。与《天才法》一致,将需要一些工作,尤其是在建立可以与传统和加密货币一起工作的系统方面。

Final Thoughts

最后的想法

The GENIUS Act is a big step towards creating a regulated framework for stablecoins and crypto payroll. While it aims to enhance stability and protect consumers, it also presents challenges for startups trying to comply. Balancing regulation and innovation is going to be key as the crypto landscape evolves. But hey, if we can navigate the New York subway during rush hour, we can handle this, right?

《天才法案》是为制定稳定币和加密货币创建受管制框架的重要一步。尽管它旨在增强稳定性并保护消费者,但它也给试图遵守的初创公司带来了挑战。随着加密景观的发展,平衡法规和创新将成为关键。但是,嘿,如果我们可以在高峰时段浏览纽约地铁,我们可以处理这个,对吗?

原文来源:mondaq

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