#美国加密立法 The recent progress in U.S. cryptocurrency legislation has been significant, with the Trump administration promoting the establishment of a more friendly regulatory framework. In January 2025, Trump signed an executive order to establish the Digital Asset Market Working Group, integrating resources from agencies such as the SEC and CFTC, focusing on advancing the Financial Innovation and Technology Act of the 21st Century (FIT21) and the Guidance and Establishment of U.S. Stablecoin Creation Act (GENIUS). The FIT21 Act clearly defines the classification standards for digital assets, assigning Bitcoin and similar assets to CFTC jurisdiction, while altcoins fall under SEC oversight, resolving long-standing jurisdictional disputes. The GENIUS Act focuses on stablecoin regulation, requiring issuers to maintain a 1:1 reserve and accept dual federal/state oversight; the Senate has already passed this act, and it is expected to be completed within 2025.

At the industry level, the FDIC will abolish the bank cryptocurrency business approval system in March 2025, allowing institutions to directly engage in custody, payment, and other services, greatly promoting the integration of traditional finance and the cryptocurrency market. Meanwhile, the Trump administration plans to establish a strategic reserve for Bitcoin and encourage institutions like BlackRock to increase their holdings in crypto assets, accelerating the market's compliance process. However, controversy remains, as Democrats question whether the Trump family profits from cryptocurrency investments, and the act may prioritize the interests of industry giants. Overall, the U.S. is balancing innovation incentives with risk management through legislation, potentially reshaping the global cryptocurrency market landscape.