#美国稳定币法案 Definition: Clearly defines payment stablecoins as digital assets used as means of payment or settlement, priced in national currency, with the issuer committing to exchange for a fixed amount of currency value, among other conditions.

- Issuer Requirements: Only 'approved payment stablecoin issuers,' such as approved insurance deposit institution subsidiaries, federally certified non-bank payment stablecoin issuers, and state-certified payment stablecoin issuers, are allowed to issue.

- Reserve Requirements: Issuers must hold reserve assets not less than 100% of the total outstanding stablecoins, including cash in USD, deposits at federal reserve banks, short-term U.S. Treasury bonds, etc.

- Regulation and Compliance: The main regulatory agencies include the Office of the Comptroller of the Currency, the U.S. Federal Reserve Board, the Federal Deposit Insurance Corporation, and the National Credit Union Administration, among others. Violations may result in suspension or revocation of issuance qualifications, civil fines, criminal penalties, etc.