Nyag，stablecoins和FDIC保护：导航监管迷宫

Nyag对缺乏保障措施的稳定立法提出了担忧。 Amina Bank支持Ripple的RLUSD，这表明在受管制的稳定股中的机构兴趣不断增长。

NYAG, Stablecoins, and FDIC Protections: Navigating the Regulatory Maze

Nyag，stablecoins和FDIC保护：导航监管迷宫

The stablecoin landscape is heating up, with regulators and institutions alike vying for control. The latest developments revolve around concerns raised by the New York Attorney General (NYAG) regarding stablecoin legislation, coupled with increased institutional interest in regulated stablecoins like Ripple's RLUSD. Let's dive in!

稳定的景观正在加热，监管机构和机构都在争夺控制。最新事态发展围绕着纽约总检察长（NYAG）对稳定立法提出的担忧，再加上在Ripple的RLUSD等受监管的稳定股中的机构利益的增加。让我们潜入！

NYAG Sounds the Alarm on Weak Stablecoin Bills

Nyag在薄弱的稳定账单上发出警报

New York Attorney General Letitia James isn't pulling any punches. She's warning that some proposed federal stablecoin legislation is dangerously flawed. In a June 30 letter, she expressed concerns that the STABLE Act and GENIUS Act lack critical safeguards, potentially exposing U.S. financial markets to chaos. She's urging Congress to treat stablecoin issuers more like banks, subjecting them to Federal Reserve supervision, capital and liquidity standards, and mandatory audits. Think of it like this: she wants stablecoins to play by the same rules as the big boys.

纽约总检察长莱蒂蒂亚·詹姆斯（Letitia James）没有举起任何拳。她警告说，一些拟议的联邦Stablecoin立法存在危险的缺陷。在6月30日的一封信中，她表示担心稳定的法案和天才法案缺乏关键的保障措施，可能使美国金融市场陷入混乱。她敦促国会更像银行对待稳定的发行人，使他们接受美联储监督，资本和流动性标准以及强制性审计。这样想：她希望Stablecoins按照与大男孩相同的规则演奏。

James is pushing for customer funds to be held in bankruptcy-remote structures and for retail holders to have timely redemption rights. She also wants clear records to enable pass-through FDIC insurance. Interest-bearing stablecoins? She thinks they should be regulated as securities. Basically, she's advocating for robust consumer protection and financial stability.

詹姆斯（James）敦促客户资金在破产示威结构中持有，并要求零售持有人及时赎回权利。她还希望清晰的记录启用通过FDIC保险。拥有兴趣的稳定蛋白？她认为应将其视为证券。基本上，她倡导强大的消费者保护和财务稳定。

Ripple's RLUSD Gains Traction with AMINA Bank Support

Ripple的RLUSD获得了Amina银行支持的吸引力

Meanwhile, across the pond (well, technically in Switzerland), AMINA Bank AG is making waves by offering custodial and trading services for Ripple's stablecoin, Ripple USD (RLUSD). This is a big deal because AMINA Bank is the first globally regulated bank to directly support RLUSD, a stablecoin backed 1:1 by the U.S. dollar. As of June 2025, RLUSD had a circulating supply of over $440 million.

同时，在整个池塘（从技术上讲，在瑞士的技术上），Amina Bank AG通过为Ripple的Stablecoin，Ripple USD（RLUSD）提供托管和贸易服务而引起轰动。这很重要，因为Amina Bank是第一家直接支持RLUSD的全球监管银行，这是一笔由美元支持的稳定的银行。截至2025年6月，RLUSD的供应量超过4.4亿美元。

This move signals growing institutional interest in regulated stablecoins. AMINA Bank sees this as a way to satisfy clients' governance requirements while embracing innovation in digital finance. RLUSD's reserves are backed by U.S. government securities and are designed for institutional applications like trading and remittances. It's all about transparency, regulation, and financial stability – buzzwords that regulators love.

此举表明，在受管制的稳定的稳定性中，机构兴趣不断增加。 Amina Bank认为这是满足客户治理要求的一种方式，同时拥抱数字融资的创新。 RLUSD的储量得到了美国政府证券的支持，并专为诸如交易和汇款之类的机构应用而设计。这一切都与透明度，法规和财务稳定性有关 - 监管者喜欢的流行语。

The Bigger Picture: A Patchwork of Regulations and Institutional Adoption

大局：法规和机构采用的拼凑

What does all this mean? The stablecoin space is evolving rapidly. Regulators are scrambling to create frameworks, while institutions are cautiously dipping their toes in the water with regulated stablecoins. The NYAG's concerns highlight the need for comprehensive legislation that protects consumers and prevents financial instability. AMINA Bank's support for RLUSD shows that institutions are looking for compliant ways to engage with digital assets.

这意味着什么？稳定空间正在迅速发展。监管机构正在争先恐后地创建框架，而机构则谨慎地将其脚趾浸入水中。 NYAG的关注点突出了需要保护消费者并防止金融不稳定的全面立法的必要性。阿米娜·银行（Amina Bank）对RLUSD的支持表明，机构正在寻找合规的方式来参与数字资产。

It's like watching a high-stakes poker game. Everyone's trying to figure out the rules while simultaneously placing their bets. The future of stablecoins hinges on striking a balance between innovation and regulation. And whether stablecoins can ultimately obtain FDIC protections.

这就像观看高风险扑克游戏。每个人都试图弄清楚规则，同时下注。 Stablecoins的未来取决于在创新和监管之间取得平衡。以及稳定剂是否最终可以获得FDIC保护。

Final Thoughts

最后的想法

So, what's next? Keep an eye on Congress as they grapple with stablecoin legislation. Watch for more institutions to explore regulated stablecoins like RLUSD. And remember, in the world of crypto, it's always wise to buckle up and expect the unexpected. Who knows, maybe one day we'll all be paying for our morning coffee with stablecoins, insured by the FDIC, of course!

那么，下一步是什么？当他们努力应对稳定立法时，请密切关注国会。观看更多的机构，以探索像RLUSD这样的受监管的稳定币。请记住，在加密货币世界中，弯腰并期待意外的事情总是很明智的。谁知道，也许有一天我们都会为我们的早上咖啡付钱，当然是由FDIC保险的！