参议院周一投票通过了首要立法，以规范一些加密货币。

在过去的几周中，该立法在唐纳德·特朗普（Donald Trump）总统的加密业务倡议中得到了一些退缩，但该法案最终得到了上议院的16名民主党人的支持，其中包括新泽西州参议员科里·布克（Cory Booker）和加利福尼亚州参议员亚当·西夫（Adam Schiff），美国广播公司News（ABC News）指出。

The Senate voted on Monday to advance legislation that would regulate some cryptocurrencies, setting the stage for broader use of digital coins for financial transactions.

参议院周一投票通过了规范一些加密货币的立法，为更广泛使用数字硬币进行金融交易奠定了基础。

The legislation, known as the GENIUS Act, is the first of its kind to regulate cryptocurrencies at the federal level. It passed with a vote of 60 to 38.

该立法被称为《天才法》，是第一个在联邦一级规范加密货币的同类法规。它以60票对38票的投票通过。

The bill, which is backed by the crypto industry, would put in place regulations for stablecoins, a kind of cryptocurrency pegged to the value of another asset, such as the U.S. dollar or gold. Stablecoins are intended to be less volatile than other cryptocurrencies, which can swing wildly in value and may be challenging to use to buy or sell something.

该法案得到了加密货币行业的支持，它将针对Stablecoins制定法规，这是一种固定在其他资产的价值的加密货币，例如美元或黄金的价值。与其他加密货币相比，稳定币的波动性较小，这种加密货币的价值可能会奇怪地摇摆，买卖商品可能具有挑战性。

Supporters say the measure will protect consumers and set standards for the industry, allowing crypto coins to become a more widely accepted tool for digital payments and other financial transactions.

支持者说，该措施将保护消费者并为行业设定标准，从而使加密硬币成为数字支付和其他金融交易的更广泛接受的工具。

Those critical of the bill say it doesn't address concerns about possible conflicts of interest, such as those raised by the president, and that there’s a risk that it puts consumers and the economy at risk because the regulations aren't strong enough.

那些对该法案批评的人说，它并没有解决对可能利益冲突的担忧，例如总统提出的那些冲突，并且有风险使消费者和经济处于危险之中，因为法规不够强大。

Christian Catalini, the founder of the MIT Cryptoeconomics Lab, supports the measure. He told ABC News that the legislation "sets the stage for these assets to go mainstream."

麻省理工学院加密经济学实验室的创始人克里斯蒂安·卡塔利尼（Christian Catalini）支持该措施。他告诉ABC新闻，该立法“为这些资产奠定了舞台，成为主流的舞台。”

Here's what you need to know about the GENIUS Act:The GENIUS Act governs how stablecoins can be issued and exchanged.

这是您需要了解的有关《天才法》的知识：《天才法》管理如何发行和交换稳定的人。

The legislation establishes regulations for issuers of stablecoins, such as a mandate that companies have a reserve of assets underlying the coin in an attempt to protect customers who may otherwise be unable to cash out their cryptocurrency if there's a widespread offloading of a cryptocurrency.

该立法为稳定币的发行人制定了法规，例如一项授权，即公司储备金储备金储备金储备金，以保护那些如果有加密货币的广泛卸载，那些否则可能无法兑现其加密货币的客户。

The bill would also require issuers to give coin holders repayment priority if a company goes bust. The legislation mandates that issuers adhere to some anti-money laundering rules and sanctions targeting terrorism.

该法案还将要求发行人在公司破产时将硬币持有人的偿还优先级。立法规定，发行人遵守针对恐怖主义的一些反洗钱规则和制裁。

Backers of the legislation say it puts forward safeguards for consumers and allows for conventional financial companies to enter the system and grow the market for digital currencies.

立法的支持者说，它为消费者提供了保障措施，并允许传统的金融公司进入系统并发展数字货币市场。

Catalini told ABC News that the new legislation "opens the floodgates."

卡塔利尼对ABC新闻说，新立法“打开了闸门”。

"You'll see entry by many issuers. Consumers will all have more choices. This will bring more competition and innovation in payments," he added.

他补充说：“您会看到许多发行人的参赛作品。消费者都有更多的选择。这将带来更多的竞争和创新。”

Catalini said that the new rules remove the pressure from consumers to distinguish between good and bad actors in the sector and instead make space for competition based on the quality of the products put forward by the firms entering the stablecoin sphere.

卡塔利尼说，新规则消除了消费者的压力，要求其区分该行业的好和坏演员，而是根据进入Stablecoin Sphere的公司提出的产品的质量为竞争提供了空间。

"It becomes a game of who can deliver better use-cases and features to consumers and businesses the fastest," he added.

他补充说：“这成为可以为消费者和企业提供最快的最快用例和功能的游戏。”

Critics, meanwhile, argue that the bill is a weak set of rules, friendly to the industry, that fail to properly protect consumers and guard against the illegal trading of stablecoins.

同时，批评者认为，该法案是一套薄弱的规则，对行业友好，无法适当保护消费者并防止稳定股的非法交易。

Massachusetts Democratic Senator Elizabeth Warren took to the Senate floor on Monday to say that "While a strong stablecoin bill is the best possible outcome, this weak bill is worse than no bill at all."

马萨诸塞州民主党参议员伊丽莎白·沃伦（Elizabeth Warren）周一前往参议院楼，说：“尽管有强大的稳定法案是最好的结果，但这项薄弱的法案比根本没有账单要糟。”

Critics argue that the legislation doesn't properly deal with the concerns regarding conflicts of interest raised by Trump's entry into the stablecoin market.

批评家认为，该立法没有适当处理特朗普进入Stablecoin市场引起的利益冲突的担忧。

The Trump-backed crypto company World Liberty Financial issued a stablecoin in March. Earlier this month, an investment firm based in Abu Dhabi used the coin to invest $2 billion in Binance, a crypto exchange. It meant that Trump's firm could possibly profit from the agreement. The president has rejected any notion of wrongdoing.

由特朗普支持的加密货币公司World Financial在三月份发行了Stablecoin。本月早些时候，一家位于阿布扎比的投资公司利用硬币投资20亿美元，以加密交易所为Binance。这意味着特朗普的公司可以从协议中获利。总统拒绝了任何不法行为的概念。

However, the bill includes a condition that would "prohibit any member of Congress or senior executive branch official from issuing a payment stablecoin product during their time in public service."

但是，该法案包括一个条件，该条件将“禁止国会成员或高级行政部门官员在公共服务期间发行付款Stablecoin产品”。

Warren still argued that the bill doesn't take on concerns about Trump's business.

沃伦仍然辩称，该法案并不关心特朗普的业务。

"This bill provides even more opportunities to reward buyers of Trump's coins with favors like tariff exemptions, pardons, and government appointments," she said.

她说：“该法案提供了更多的机会，以奖励特朗普硬币的买家，诸如税收豁免，赦免和政府任命等方面。”

The measure will now pass to the House of Representatives, where bipartisan support is likely to be crucial for the bill to clear both chambers by the end of the year.

该措施现在将转移到众议院，在众议院中，两党支持对于该法案在年底之前清除两个房间至关重要。

The legislation is part of a broader effort by Congress to regulate the cryptocurrency industry, which has seen a surge in interest in recent years. The House Financial Services Committee is also expected to vote this week on a bipartisan bill that would create a comprehensive regulatory framework for cryptocurrencies.

该立法是国会为规范加密货币行业的广泛努力的一部分，该行业近年来引起了人们的兴趣。众议院金融服务委员会还预计将在本周对两党法案进行投票，该法案将为加密货币创建全面的监管框架。

The Senate Banking Committee had planned to vote on the GENIUS Act last week but postponed the vote amid concerns raised by some Democrats about the bill's provisions and the potential for conflicts of interest.

参议院银行委员会计划上周对《天才法》进行投票，但由于一些民主党人对该法案的规定和利益冲突的潜力提出的担忧，因此推迟了投票。

The committee ultimately voted 15 to 0 to approve the bill, setting the stage for a vote by the full Senate.

委员会最终以15票对0票批准该法案，为全面参议院的投票奠定了基础。

The bill is now expected to be rolled into a larger year-end government funding bill, which will need to be passed by both chambers of Congress and the president before the end of the year.

现在，该法案有望将其纳入更大的年终政府资助法案，在年底之前，国会议会和总统都需要通过该法案。

If the bill is not passed by the end of the year,

如果该法案在年底之前未通过，