与Stablecoin Bill aka Genius法案

与Stablecoin Bill aka Genius法案

A new bill is set to pass through the US Senate, which could see the biggest names in banking join forces to create a joint stablecoin venture. According to a recent report by The Wall Street Journal, top-tier banking institutions like Wells Fargo, Bank of America, JPMorgan Chase, and Citigroup are currently evaluating the possibility of a joint collaboration for a stablecoin project.

一项新法案将通过美国参议院，这可能会使银行联合的最知名人士联合起来，以创建一个联合的Stablecoin企业。根据《华尔街日报》的最新报告，富国银行，美国银行，摩根大通和花旗集团等顶级银行机构目前正在评估与Stablecoin项目共同合作的可能性。

As the bill, titled the “GENIUS Act,” continues its journey through the Senate, commercial banks are already preparing for the next big opportunity in the stablecoin market. These developments have sent jitters through the crypto market, especially to Circle’s USDC, which saw its dollar-peg fumble a bit, slipping to $0.9987 earlier today.

作为标题为“天才法”的法案，继续在参议院继续旅程，商业银行已经在为Stablecoin市场的下一个大机会做准备。这些事态发展使烦恼通过加密货币市场，尤其是Circle的USDC，后者看到了它的Dollar-peg失败，今天早些时候下跌至0.9987美元。

The report by the WSJ notes that the initiative is still in its early stages of planning, and there's no guarantee it will materialize. A big focus of the report is also on the competitive threat posed by big tech firms and retailers, pushing institutions to adapt quickly or risk losing their payments and deposit base.

WSJ的报告指出，该计划仍处于计划的早期阶段，并且不能保证它会实现。该报告的重点也是大型科技公司和零售商构成的竞争威胁，推动机构快速适应或冒着失去付款和存款基础的风险。

This new legislation would create a legal framework specifically tailored for stablecoins, aiming to provide the necessary structure for the seamless integration of cryptocurrencies into the broader financial system.

这项新立法将建立一个专门针对稳定币量身定制的法律框架，旨在为将加密货币无缝整合到更广泛的金融体系中提供必要的结构。

The bill, which stands for "Genuine Economic Recovery and Integration, U.S. Services, and Small Business Act," is set to be voted on by the full Senate soon. It includes provisions that permit national and state-charted banks, as well as nonbanks with assets exceeding $50 billion, to apply for permits to issue stablecoins, provided they maintain complete backing by U.S. dollars in a dedicated account at a Federal Reserve Bank.

该法案代表“真正的经济复苏与融合，美国服务和小型企业法”，将很快被全部参议院投票。它包括允许国家和国家创建银行以及资产超过500亿美元的非银行申请签发StableCoins的许可的规定，前提是它们在美联储银行的专用帐户中保留全部支持。

The bill would also restrict public companies outside the financial sector, like Apple or Google, from engaging in stablecoin activities.

该法案还将限制金融部门以外的上市公司，例如Apple或Google，从事Stablecoin活动。

The initiative to introduce a USD-backed stablecoin on the Ethereum blockchain also comes from France’s Société Générale, highlighting the broader interest in exploring this avenue for cost-effective and rapid payments, especially for cross-border transactions.

在以太坊区块链上引入以美元支持的稳定的倡议也来自法国的Sociétégénérale，强调了更广泛的兴趣探索这一进行具有成本效益和快速付款的途径，尤其是用于跨境交易。