美国参议员公布全面的稳定币监管框架

参议员吉利布兰德和鲁米斯计划在参议院引入两党稳定币立法，为稳定币发行人提供两条路径：联邦或州银行特许存款机构和受联邦监管的非存款机构。该立法旨在建立稳定币的监管框架，促进加密货币行业的增长，同时防范不良行为者。

U.S. Senators Propose Comprehensive Stablecoin Legislation

美国参议员提议全面的稳定币立法

Washington, D.C. - In a significant development for the regulation of digital assets in the United States, Democratic Senator Kirsten Gillibrand (D-NY) and Republican Senator Cynthia Lummis (R-WYO) are set to introduce landmark legislation that would establish a comprehensive framework for stablecoin issuers.

华盛顿特区 - 作为美国数字资产监管的一项重大进展，民主党参议员 Kirsten Gillibrand（纽约州民主党）和共和党参议员 Cynthia Lummis（怀俄明州共和党）将推出具有里程碑意义的立法，建立一个全面的框架对于稳定币发行人。

The bipartisan legislation, the product of months of negotiations with federal and state regulators, industry stakeholders, and members of both the Senate and House, aims to strike a delicate balance between fostering innovation in the cryptocurrency industry while safeguarding the interests of consumers and the broader financial system.

这项两党立法是与联邦和州监管机构、行业利益相关者以及参众两院成员经过数月谈判的产物，旨在在促进加密货币行业创新与维护消费者和更广泛利益之间取得微妙的平衡。金融系统。

Two Paths for Stablecoin Issuers

稳定币发行者的两条路径

At the core of the proposed legislation is a two-pronged approach that provides stablecoin issuers with flexibility in meeting regulatory requirements. Under this framework:

拟议立法的核心是双管齐下的方法，为稳定币发行人提供满足监管要求的灵活性。在此框架下：

• Bank Charter Institutions: Both federally and state-chartered depository institutions, such as banks and credit unions, will be eligible for approval as stablecoin issuers. This path offers the advantage of existing regulatory oversight and consumer protections.
• Non-Depository Institutions: Entities without traditional banking charters can also issue stablecoins, provided they submit to federal supervision. These entities will undergo rigorous examinations to ensure the safety and soundness of their operations.

Ensuring Stablecoin Stability

银行特许机构：联邦和州特许的存款机构，例如银行和信用合作社，都有资格获得稳定币发行人的批准。这条路径提供了现有监管监督和消费者保护的优势。 非存款机构：没有传统银行执照的实体也可以发行稳定币，前提是接受联邦监管。这些实体将接受严格的审查，以确保其运营的安全性和稳健性。确保稳定币的稳定性

The legislation places paramount importance on maintaining the stability of stablecoins, which are digital assets pegged to the value of real-world fiat currencies like the U.S. dollar. To this end, the legislation mandates that all stablecoin issuers:

该立法极为重视维持稳定币的稳定性，稳定币是与美元等现实世界法定货币的价值挂钩的数字资产。为此，立法要求所有稳定币发行人：

• Maintain 1:1 Backing: Stablecoins must be fully backed by reserves of equivalent value to the number of coins in circulation, ensuring that they can be redeemed at a fixed exchange rate.
• Regular Audits and Reporting: Issuers will be subject to regular audits and reporting requirements to provide transparency and accountability to regulators and the public.

Bipartisan Collaboration and Industry Support

维持1:1的支持：稳定币必须由与流通中的代币数量等值的储备充分支持，确保它们可以以固定汇率兑换。定期审计和报告：发行人将接受定期审计和报告向监管机构和公众提供透明度和问责制的要求。两党合作和行业支持

The legislation reflects a significant shift towards bipartisan support for cryptocurrency regulation. Senator Lummis, who previously opposed the Biden administration's proposed taxation of crypto miners, has embraced the legislation, underscoring its bipartisan appeal.

该立法反映出两党对加密货币监管支持的重大转变。此前反对拜登政府对加密货币矿工征税的参议员卢米斯已经接受了这项立法，突显了其两党的吸引力。

The legislation has also garnered support from industry stakeholders, including the Blockchain Association and Coinbase, who view it as a positive step towards providing greater regulatory certainty for the stablecoin market.

该立法还获得了区块链协会和 Coinbase 等行业利益相关者的支持，他们认为这是为稳定币市场提供更大监管确定性的积极一步。

Driving Innovation in Cryptocurrency

推动加密货币创新

Senator Gillibrand emphasized that the legislation is not intended to stifle innovation in the cryptocurrency industry but rather to promote responsible growth. "The bill is a product of common sense compromise," she said. "It balances the interests of federal, state, and industry stakeholders. It will help drive innovation in the cryptocurrency landscape."

参议员吉利布兰德强调，该立法并不是为了扼杀加密货币行业的创新，而是为了促进负责任的增长。 “该法案是常识妥协的产物，”她说。 “它平衡了联邦、州和行业利益相关者的利益。它将有助于推动加密货币领域的创新。”

Next Steps

下一步

The legislation is expected to be introduced in the Senate in the coming days or weeks. It will then undergo a committee process, where it will be subject to amendments and further debate. If approved by the Senate, the bill will proceed to the House of Representatives for consideration.

该法案预计将在未来几天或几周内提交参议院。然后它将经过一个委员会程序，进行修改和进一步辩论。如果获得参议院批准，该法案将提交众议院审议。

The successful passage of this legislation would mark a major milestone in the regulation of digital assets in the United States, providing a clear and comprehensive framework for the stablecoin industry while fostering innovation and protecting consumer interests.

这项立法的成功通过将标志着美国数字资产监管的一个重要里程碑，为稳定币行业提供清晰、全面的框架，同时促进创新和保护消费者利益。