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美国参议院更新稳定币法案GENIUS Act 2025:扩大海外司法管辖区支付稳定币互惠条款

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2025-03-10 23:47:22

据美国参议院最新公布的《指导和建立美国稳定币创新法案》(GENIUS Act 2025),更新后的法案特别扩大了"海外司法管辖区支付稳定币的互惠条款"(Reciprocity for Payment Stablecoins Issued in Overseas Jurisdictions)。



法案核心内容:


1. 美国财政部长被要求与拥有类似稳定币监管框架的国家达成双边协议


2. 协议重点协调以下监管标准:


- 储备金要求


- 监督机制


- 反洗钱和反恐措施


- 制裁合规标准


- 流动性要求


- 风险管理标准



实施时间表:


该互惠安排需在法案生效两年内完成,以促进国际交易并增强与美元计价的海外支付稳定币的互操作性。



监管责任明确:


法案明确将获得许可的支付稳定币发行方排除在《商品交易法》定义的"商品"范围之外,进一步厘清监管责任。



对投资者的影响:


1. 降低跨境支付成本


2. 提高稳定币市场透明度


3. 增强投资者保护机制


4. 促进全球稳定币市场规范化发展


5. 可能带来短期市场波动


6. 长期利好合规稳定币项目

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