美国参议院对Stablecoin立法的地标投票标志着数字货币的新时代。了解这对金融的未来意味着什么。

Stablecoin Revolution: US Senate Paves the Way with Federal Law

Stablecoin革命：美国参议院与联邦法律铺平道路

Hold on to your hats, folks! The stablecoin scene is about to get a whole lot more stable, thanks to the US Senate. In a move that could reshape online payments, they've passed the first-ever federal rules for dollar-backed cryptocurrencies. It's a big deal, and here's why.

抓住你的帽子，伙计们！多亏了美国参议院，Stablecoin场景即将变得更加稳定。以可能重塑在线付款的举动，他们通过了有史以来的第一笔联邦加密货币规则。这很重要，这就是原因。

A Historic Win for Digital Currency

数字货币的历史胜利

The Senate, in a bipartisan vote of 68-30, approved what's being called the GENIUS Act. This legislation establishes federal oversight for stablecoins, those digital tokens pegged to the US dollar. After months of negotiations, this marks a significant victory for the crypto world, with 18 Democrats joining Republicans in support.

参议院以68-30的两党投票批准了所谓的《天才法》。这项立法确立了对Stablecoins的联邦监督，这些数字代币与美元挂钩。经过几个月的谈判，这标志着加密货币世界的重大胜利，有18名民主党人加入共和党人的支持。

Key Points of the Stablecoin Legislation

稳定立法的要点

So, what does this law actually do? Here’s the breakdown:

那么，该法律实际上是做什么的？这是崩溃：

• Backing Requirements: Stablecoin companies must back their tokens with cash or Treasury bonds. Think of it as the digital equivalent of keeping your money in the bank.
• Transparency: Monthly public reports and regular audits will be mandatory for large issuers. No more hiding behind the blockchain!
• Regulatory Framework: Clear rules for issuing and managing dollar-pegged tokens, bringing much-needed legitimacy to the sector.

The Impact on the Market

对市场的影响

The market's already reacting! Stablecoin market value hit a record $251.7 billion recently, jumping 22% since January. Circle’s stock has soared, and major retailers like Amazon and Walmart are reportedly exploring stablecoin payments. Even Bank of America is getting in on the action. Deutsche Bank notes stablecoin transactions reached $28 trillion last year, surpassing the combined transactions of Mastercard and Visa. This isn't just crypto nerds playing around anymore; this is mainstream finance.

市场已经做出反应！ Stablecoin的市场价值最近达到了创纪录的2517亿美元，自1月以来增长了22％。 Circle的股票飙升了，据报道，亚马逊和沃尔玛等主要零售商正在探索Stablecoin的付款。甚至美国银行也在采取行动。去年，德意志钞票的稳定币交易达到了28万亿美元，超过了万事达卡和签证的合并交易。这不仅仅是加密书呆子的演奏，不再是四处玩。这是主流金融。

Trump's Take and Political Wrangling

特朗普的举止和政治争吵

Former President Trump, who has earned at least $57 million from crypto ventures in 2024, is urging the House to pass the bill quickly. "Get it to my desk, ASAP — NO DELAYS, NO ADD ONS," he posted on Truth Social. The House, however, needs to reconcile its own stablecoin legislation first. The White House is pushing for a final version before Congress's August recess. While Senator Elizabeth Warren raised ethics concerns, citing Trump's crypto holdings, the momentum seems unstoppable.

前总统特朗普（Trump）在2024年从加密货币公司（Crypto Ventures）获得了至少5700万美元的收入，他敦促众议院迅速通过该法案。他在“真相社交”上张贴：“尽快把它带到我的桌子上，没有延误，没有加上。”但是，众议院需要首先调和自己的Stablecoin立法。白宫正在国会八月的休会前推动最终版本。伊丽莎白·沃伦（Elizabeth Warren）参议员引起了伦理问题的关注，理由是特朗普的加密货币持有人，但这种势头似乎不可阻挡。

The Future is Stable... Coin?

未来是稳定的...硬币？

Treasury Secretary Scott Bessent predicts the US stablecoin market could grow to over $2 trillion by 2028. Circle's chief strategy officer, Dante Disparte, believes the GENIUS Act will

财政部长斯科特·贝斯特（Scott Bessent）预测，到2028年，美国稳定市场可能会增长到2万亿美元。