#美国稳定币法案

In 2025, the U.S. Congress promoted several regulatory bills on stablecoins aimed at establishing a clear legal framework to protect consumer rights and maintain financial stability. 

Among them, the "STABLE Act" (Stablecoin Transparency and Accountability for a Better Ledger Economy Act) proposes regulations on the issuance, reserves, and oversight of payment stablecoins, requiring stablecoin issuers to hold high-quality reserve assets and comply with dual federal and state regulation. 

Additionally, the "GENIUS Act" (Guiding and Establishing National Innovation for U.S. Stablecoins Act) has also been introduced in the Senate, aiming to promote financial innovation, protect consumers, and strengthen the dollar's dominant position in the global financial system. 

However, these bills have sparked controversy within Congress, with some Democratic lawmakers expressing concerns that the bills do not adequately address issues such as money laundering and risks to the financial system, leading some supporters to withdraw their support. 

Despite the divisions, the advancement of stablecoin legislation reflects the United States' emphasis on regulating crypto assets, and future legislative developments will have a profound impact on the global digital financial market.