Конгресс-2025: свежий взгляд на регулирование криптовалют в США

cryptonews.ruPublished on 2024-06-27Last updated on 2024-12-27

Новый состав Конгресса США получит шанс принять законодательство о криптовалютах в 2025 году, и впервые за историю расстановка сил складывается в пользу индустрии. Избранный президент Дональд Трамп (Donald Trump) назначил бывшего комиссара Комиссии по ценным бумагам и биржам (SEC) Пола Аткинса (Paul Atkins), известного своим дружественным подходом к криптоактивам, на пост главы регулятора.

Комитет по финансовым услугам Палаты представителей, который станет отправной точкой для криптозаконодательства в новом году, возглавит Френч Хилл (French Hill) — республиканец из Арканзаса, известный своими инициативами в области цифровых активов.

«Законопроекты FIT21 и о стейблкоинах станут приоритетными для меня в 119-м Конгрессе», — заявил Хилл. И это не пустые слова: политик уже возглавляет профильную комиссию по цифровым активам и приложил руку к разработке нескольких ключевых законопроектов.

«Первые три-четыре месяца уйдут на раскачку, но потом законодатели начнут действовать на полную мощность», — считает директор по взаимодействию с госорганами Blockchain Association Рон Хэммонд (Ron Hammond). По его словам, мы увидим «возвращение многих знакомых законопроектов».

Взять хотя бы многострадальный билль о стейблкоинах, который Палата представителей пытается протолкнуть уже не первый год. Нынешний глава комитета Патрик Макгенри (Patrick McHenry) из Северной Каролины, уходящий в отставку в январе, с 2022 года работал над регуляторной базой вместе с главным демократом комитета Максин Уотерс (Maxine Waters) из Калифорнии.

В прошлом году законопроект прошел через комитет, где большинство у республиканцев, но дальше дело застопорилось. Уотерс, которая останется старшим демократом комитета, назвала документ «крайне проблематичным» из-за пункта, позволяющего штатам одобрять выпуск стейблкоинов без согласования с ФРС.

В Сенате свой вариант регулирования стейблкоинов представил республиканец Билл Хагерти (Bill Hagerty) из Теннесси. Его версия во многом перекликается с проектом Палаты представителей. Впрочем, гендиректор DeFi Education Fund Миллер Уайтхаус-Левин (Miller Whitehouse-Levine) оценивает шансы принятия закона в 2025 году всего в 25%.

Не менее интересна судьба FIT21 — законопроекта, расширяющего полномочия и финансирование Комиссии по торговле товарными фьючерсами (CFTC) в сфере надзора за спотовыми рынками и «цифровыми товарами», особенно биткоином.

Любопытный поворот: идея создания стратегического резерва биткоина набирает обороты как на федеральном, так и на региональном уровнях. Сенатор-республиканец Синтия Ламмис (Cynthia Lummis) из Вайоминга подготовила законопроект, который обяжет Минфин США купить 1 млн биткоинов в течение пяти лет.

Главная интрига 2025 года развернется вокруг продления закона Трампа о налоговых льготах (Tax Cuts and Jobs Act). «По сути, все готовятся к грандиозной налоговой битве», — отмечает исполнительный директор Proof of Stake Alliance Элисон Манжеро (Alison Mangiero).

В этот пакет может войти инициатива конгрессменов Уайли Никеля (Wiley Nickel) и Дрю Фергюсона (Drew Ferguson), уточняющая, что вознаграждения за стейкинг должны облагаться налогом только при продаже.

Can Open USD Support Stripe's Ambitions?

Can Open USD support Stripe's ambition? The article argues that OUSD represents a pivotal strategic move for Stripe, shifting its narrative from being a superior payments API company to becoming a "money movement network." Unlike simply facilitating payments, this new model aims to organize and define the settlement layer, default assets, and economic distribution rules for future commerce. The analysis highlights OUSD's role in giving Stripe a potential default settlement asset, enabling deeper economics through reserve earnings, and providing a programmable money layer for emerging use cases like AI agentic commerce. Crucially, OUSD is presented not as a direct "USDC killer" but as an attempt to redefine the business model of stablecoins, proposing a collaborative governance structure where contributing partners share in the network's economic benefits and governance. For Stripe, this is about evolving from a powerful "abstraction layer" over traditional financial rails into an active participant and potential architect of the next-generation global settlement network. While OUSD alone cannot immediately realize this ambition, it signals Stripe's intent to move closer to the money layer itself, positioning itself at the center of future money flows in an increasingly automated, platform-driven, and AI-powered economy. The ultimate question is whether Stripe can transition from being a best-in-class payment processor to becoming the foundational infrastructure for internet-native money movement.

marsbit4m ago

Can Open USD Support Stripe's Ambition?

The article explores whether the newly announced Open USD (OUSD) stablecoin can support Stripe's strategic ambition to evolve beyond a payment API company into a "money movement network." It argues that OUSD is not an immediate "USDC killer" but serves as a crucial narrative shift for Stripe. The stablecoin, launched by the independent entity Open Standard with backing from Stripe, Visa, Mastercard, and others, represents an attempt to redefine the economics and governance of stablecoins by sharing reserve asset yields with distributing partners. For Stripe, OUSD is a key piece in moving from simply abstracting traditional financial rails (like card networks) to potentially defining a new settlement layer for global commerce. This aligns with Stripe's broader strategy involving its acquisitions (like Bridge for stablecoin issuance) and projects (like Tempo for payments-focused blockchain) to position itself for "agentic commerce," where AI agents and software conduct automated transactions. The article concludes that while OUSD alone cannot instantly transform Stripe's business, it concretely signals the company's ambition to organize the future infrastructure of money movement, where value may ultimately settle on a network it helped shape.

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This Week's Crypto Watchlist｜Jupiter, NEAR, Jito, and 7 Other Projects are Active. Understand Who's Worth Monitoring with a 'Catalyst Calendar'

This week brings a concentrated wave of catalysts for several crypto projects, based on a schedule compiled by an analyst. Jupiter (JUP) leads by launching a private testnet for its GUM unified market on July 6th, aiming to aggregate diverse assets on Solana. On July 7th, NEAR hosts a major livestream reveal focused on enterprise "black box" tech, likely detailing its SPICE upgrade. Also on July 7th-8th, Berachain executes its largest mainnet upgrade, "PoL Next," simplifying its tokenomics by retiring the BGT token and consolidating value into BERA. Zcash (ZEC) eyes recovery with its critical Ironwood network upgrade slated for July 21st, designed to restore trust after a recent privacy vulnerability scare. Looking ahead, Lighter (LIT) plans to launch tokenized stocks next week, leveraging its key position as the default perpetual DEX on the new Robinhood Chain. Jito (JTO) is rumored to launch its JTX trading platform in mid-July, targeting professional traders and promising substantial protocol revenue sharing. Lastly, Ether.fi (ETHFI) has proposed deploying a dedicated Aave V4 instance to power its EtherFi Cash Visa card, though this remains in the early governance stage. The week presents a mix of product launches, major upgrades, and strategic expansions, each carrying its own potential for momentum and associated risks like token unlocks or execution challenges.

marsbit17m ago

This Week's Crypto Watchlist｜Jupiter, NEAR, Jito, and 7 Other Projects are Active. Understand Who's Worth Monitoring with a 'Catalyst Calendar'

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Bitcoin Rebounds As Softer Jobs Data Lifts Rate-Cut Hopes

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Bitcoin Rebounds As Softer Jobs Data Lifts Rate-Cut Hopes

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