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Stablecoins e a Legislação: Desafios e Oportunidades Stablecoins, criptomoedas lastreadas em ativos estáveis como dólar ou ouro, ganharam destaque no mercado financeiro. No entanto, a falta de regulamentação clara gera riscos, como instabilidade sistêmica e lavagem de dinheiro. Jurisdições como EUA e UE avançam na criação de frameworks legais. Nos EUA, propostas exigem reservas 100% lastreadas e supervisão do Fed. Na UE, o MiCA (Markets in Crypto-Assets) impõe transparência e auditorias periódicas. No Brasil, o PL 3.825/2023 busca regulamentar stablecoins, exigindo licenças do Bacen e garantias de lastro. O desafio é equilibrar inovação e segurança, evitando asilo a modelos inseguros. A regulamentação adequada pode fortalecer a confiança e integrar stablecoins ao sistema financeiro tradicional. #StablecoinLaw $SOL $XRP
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