怀俄明州的参议员辛西娅·卢米斯（Cynthia Lummis）将过时的美国付款基础设施置于焦点

她认为，数字资产，尤其是Stablecoins，提供更快，更便宜，更容易获得的替代方案

Senator Cynthia Lummis has placed the outdated US payment infrastructure in the spotlight, highlighting how it disadvantages small businesses and pushes innovation offshore. According to a recent report by CoinDesk, Lummis has been a vocal advocate for modernizing the financial system to keep pace with the rapidly changing technological landscape.

参议员辛西娅·卢米斯（Cynthia Lummis）将过时的美国支付基础设施置于聚光灯下，强调了它如何弊端小型企业并将创新推向海上创新。根据Coindesk的最新报告，Lummis一直是致力于现代化金融体系与快速变化的技术格局的倡导者。

As the Senate advanced the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act, Lummis's position has gained renewed momentum. The bill, which passed a key 66–32 vote to defeat a filibuster, is the first comprehensive federal proposal to regulate stablecoins. It establishes clear frameworks for issuers, introduces consumer protections, and aims to maintain the US dollar's dominance in global finance.

随着参议院提高指导和建立美国Stablecoins（Genius）法案的国家创新，卢米斯的立场已获得了新的势头。该法案通过了以66-32击败击败Filibuster的关键投票，是首个对Stablecoins进行规范的综合提议。它为发行人建立了清晰的框架，引入消费者保护措施，并旨在维持美元在全球金融中的统治地位。

However, Lummis has also pointed out that when a small business owner in Cheyenne tries to pay an international supplier using traditional methods, they face delays of up to 10 days and transaction fees as high as 5%. In contrast, stablecoins complete similar transactions in seconds, at a fraction of the cost, and operate 365 days a year.

但是，卢米斯还指出，当夏安的小企业主试图使用传统方法向国际供应商支付时，他们将面临最多10天的延误，而交易费用高达5％。相比之下，稳定币在几秒钟内完成了类似的交易，占费用的一小部分，每年365天。

"This isn't just inconvenient. It's a complete disadvantage to American businesses," Lummis stated.

卢米斯说：“这不仅不便。这对美国企业来说是一个完全不利的。”

The GENIUS bill is now set to be considered by the full House of Representatives. If passed by both chambers of Congress and signed into law by President Trump, the US could become the global leader in stablecoin oversight and innovation.

现在的天才法案将被全部众议院考虑。如果由国会议会的会议厅通过并由特朗普总统签署为法律，那么美国可能会成为Stablecoin监督和创新的全球领导人。

Lummis's home state of Wyoming is also backing the Senator's message through practical implementation. The state is preparing to launch its own government-backed stablecoin, the WYST, by July.

卢米斯（Lummis）怀俄明州的家乡也通过实际实施来支持参议员的信息。该州正准备在7月之前推出自己的政府支持的Stablecoin Wyst。

Created under the Wyoming Stable Token Act signed into law in 2023, the token will be pegged to the US dollar and redeemable for fiat. The Wyoming Stable Token Commission has partnered with LayerZero for the development and deployment of the asset, which is already being tested on multiple networks.

该代币根据于2023年签署为法律的怀俄明州稳定代币法案，将与美元挂钩，可兑换为菲亚特（Fiat）。怀俄明州稳定的代币委员会已与LayerZero合作开发和部署资产，该资产已经在多个网络上进行了测试。

Wyoming's stablecoin initiative serves as a working model for how state governments can embrace blockchain technology, bolstering the case for broader federal adoption.

怀俄明州的Stablecoin倡议是州政府如何采用区块链技术的工作模式，为更广泛的联邦采用而加强了这一案例。

The GENIUS Act comes at a time when stablecoins have become the leading form of transaction volume on blockchain networks. As the international race for regulation intensifies, the bill seeks to prevent US innovation from moving offshore.

天才法案是在稳定剂已成为区块链网络上交易量的主要形式的时候。随着国际监管种族的加剧，该法案旨在防止我们的创新移动海外。

Comparable regulatory structures have already taken effect in the European Union with MiCA, and other jurisdictions such as Singapore, Hong Kong, the UAE, and Japan are also implementing stablecoin laws.

可比的监管结构已经在欧盟与云母结构生效，以及其他司法管辖区，例如新加坡，香港，阿联酋和日本也正在实施Stablecoin法律。

Backers of the bill, including Senators Kirsten Gillibrand, Bill Hagerty, Tim Scott, and Angela Alsobrooks, argue that the legislation will promote responsible innovation and provide regulatory clarity, giving US-based issuers the confidence to scale securely.

该法案的支持者，包括参议员Kirsten Gillibrand，Bill Hagerty，Tim Scott和Angela Alsobrooks，认为该立法将促进负责任的创新并提供监管的清晰度，使我们的发行人有信心安全地扩展。

Industry stakeholders have also voiced support, noting that the framework could enhance market integrity while positioning the US as a global standard-setter.

行业利益相关者还表示支持，并指出该框架可以在将美国定位为全球标准者的同时增强市场完整性。