#美国稳定币法案 Definition of Stablecoins: Define stablecoins as a type of digital asset used for payment or settlement, linked to a fixed currency value, and not classified as 'securities'.

- Clear Issuing Institutions: Only specific institutions, such as subsidiaries of insured deposit institutions, federally qualified non-bank stablecoin issuers, and state-qualified stablecoin issuers that meet federal or state standards, are allowed to issue stablecoins.

- Reserve Requirements: Stablecoin issuers must maintain reserves, with a total value at least equal to the amount of stablecoins in circulation, and the issuer must publish a monthly certification performed by an independent auditor to confirm the adequacy of the reserves.