#美国稳定币法案

#美国稳定币法案 #美国稳定币法案 The United States has multiple proposals related to stablecoin legislation, the more well-known ones being the "Stablecoin Transparency and Accountability Promotion Act of 2025" ("STABLE Act of 2025") and the "Guiding and Establishing America's Stablecoin National Innovation Act" ("GENIUS Act"). Below are relevant introductions:

"STABLE Act of 2025"

• Proposers: Proposed by Congressman Bryan Steil and French Hill.

• Regulatory focus: Focuses on payment stablecoins, clearly stating that they must be used as a means of payment or settlement, priced in national currency, and the issuer commits to a fixed amount of exchange, among other conditions.

• Issuer requirements: Includes approved insurance deposit institution subsidiaries, federally certified non-bank payment stablecoin issuers, and state-certified payment stablecoin issuers.

• Reserve requirements: Issuers must hold reserves of no less than 100% of the total outstanding amount of stablecoins, such as U.S. dollar cash, Federal Reserve Bank deposits, short-term U.S. Treasury bonds, etc.

• Regulatory authorities: Office of the Comptroller of the Currency (OCC), U.S. Federal Reserve, Federal Deposit Insurance Corporation (FDIC), and National Credit Union Administration (NCUA), among others.