如今，Stablecoins引起了很多关注，美国银行正在采取谨慎的态度

如今，数字货币与资产挂钩的数字货币已经引起了很多关注。投资者，银行和政策制定者都密切关注它们。

Investors, banks, and politicians are all keeping a close eye on stablecoins in 2024. These digital currencies, which are pegged to assets like the U.S. dollar, are a hot topic as the crypto market continues to evolve.

投资者，银行和政治家在2024年都密切关注Stablecoins。这些数字货币与美元这样的资产挂钩，这是一个热门话题，因为加密货币市场继续不断发展。

One major bank that is monitoring these developments is Bank of America, which is adopting a cautious approach.

一家正在监视这些发展的主要银行是美国银行，该银行正在采用谨慎的方法。

At the Benzinga Tech World Summit, Bank of America CEO Brian Moynihan was asked about the bank’s plans to launch its own stablecoin.

在Benzinga Tech世界峰会上，美国银行首席执行官Brian Moynihan被问及该银行推出自己的Stablecoin的计划。

While noting that the bank is interested in the technology and has the capability to create a stablecoin, he highlighted the need for clear legislation and market infrastructure before such a move can be considered.

在指出该银行对该技术感兴趣并有能力创建一个稳定的人，但他强调了在考虑此举之前需要明确的立法和市场基础设施。

“If they get the Genius Act or the stable act or anything like that passed—and then they get the markets infrastructure piece—that will allow us to figure out whether there’s really a business proposition in stablecoins,” Moynihan explained.

Moynihan解释说：“如果他们获得《天才法案》或《稳定法》或类似的事物，然后他们得到了市场基础设施的作品，那将使我们能够弄清楚stablecoins中是否确实有业务主张。”

His comments come as the U.S. Senate made progress on a bill to regulate stablecoins.

当美国参议院在规范稳定的法案上取得了进展，他的评论是出现的。

The GENIUS Act bill, which stands for “Good عصر جديد, Inclusive, and Unbiased Solvency Standards,” would set strong rules on how stablecoins should be backed and handled. It also includes provisions for yearly audits for large stablecoin issuers that handle over $50 billion.

天才法案法案代表“良好的凡，包容性和无偏见的偿付能力标准”，将制定强有力的规定，以如何支持和处理稳定的稳定性。它还包括针对处理超过500亿美元的大型Stablecoin发行人的年度审计的规定。

On Wednesday, Senators voted 68 to 30 to move the bill out of the Senate Banking Committee and into the full Senate for discussion.

周三，参议员投票赞成68至30，将法案移出参议院银行委员会，并进入参议院进行讨论。

The vote paves the way for more debate on the bill and brings it closer to a final decision.

投票为有关该法案的更多辩论铺平了道路，并使该法案更接近最终决定。

Senator Tim Scott, a key figure in pushing for the bill, described it as a significant step. He highlighted how members of both major parties came together to vote for the bill.

参议员蒂姆·斯科特（Tim Scott）是推动该法案的关键人物，他将其描述为重要的一步。他强调了两个主要各方的成员如何聚集在一起为该法案投票。

While some Democrats, such as Senators Chuck Schumer and Elizabeth Warren, voted against the bill, other Democrats, like Senator Ruben Gallego, joined Republicans in showing support for the bill.

虽然一些民主党人，例如参议员查克·舒默（Chuck Schumer）和伊丽莎白·沃伦（Elizabeth Warren）对该法案投了反对票，但其他民主党人，例如参议员鲁本·加勒戈（Ruben Gallego），也加入了共和党人，向共和党人表示支持。

It remains to be seen whether the bill will ultimately be passed by Congress and approved by the President.

该法案是否最终将由国会通过并获得总统批准还有待观察。

However, the broad support for advancing the bill to the next stage indicates a strong interest in setting up clear regulations for the rapidly growing crypto market.

但是，将法案推进下一阶段的广泛支持表明，对制定快速增长的加密货币市场的明确法规产生了浓厚的兴趣。

President Donald Trump’s advisors have also confirmed that he is in favour of the legislation and wants to see it passed before Congress adjourns for the August recess.

唐纳德·特朗普（Donald Trump）总统的顾问还确认，他赞成该立法，并希望在国会休会前参加八月的休会。

The strong backing from the White House is giving banks and companies greater confidence that they can expect to see clear regulation in place.

白宫的强烈支持是使银行和公司更有信心，他们可以期望看到明确的法规。

This will be crucial for major institutions to feel comfortable proceeding further with their own initiatives in the stablecoin space.

这对于主要机构来说至关重要的是，要在Stablecoin领域通过自己的举措进一步继续前进。