GENIUS 法案刚通过，美国银行便计划发行稳定币

深潮Publicado em 2025-06-12Última atualização em 2025-06-12

‍这家美国第二大银行打算在探索通证化存款方面与同行保持同步，但只有在明确的监管框架确立后才会正式投入。

原文来源：cryptoslate

编译：区块链骑士

据路透社 6 月 11 日报道，美国银行首席执行官 Brian Moynihan 证实，该行计划发行一种与美元挂钩的稳定币，并正在与其他行业参与者合作进行内部开发。

然而，Moynihan 补充说，任何潜在的发行进展都将取决于即将出台的联邦法规。他还告诉投资者，尽管需求仍不确定，但银行「必须做好准备」。

他补充说，美国立法者正在讨论一项法案，该法案「将使我们能够确定是否存在真正的商业机会」，该法案将为储备质量、赎回和披露制定统一要求。

这些言论表明，这家美国第二大银行打算在探索通证化存款方面与同行保持同步，但只有在明确的监管框架确立后才会正式投入。

在大西洋彼岸，法国兴业银行旗下的 FORGE 部门于 6 月 10 日推出了 USD CoinVertible，这是一种在以太坊和 Solana 区块链上原生发行的美元通证。

该产品是这家法国银行继 2023 年推出欧元版本后的第二种稳定币，并符合欧盟的《Crypto 资产市场》（MiCA）框架。SG-FORGE 指定纽约梅隆银行为储备托管人，并将每日公布抵押品明细。

通过多家经纪商进行的交易计划于 7 月初开始，实现美元、欧元和该通证之间的 24 小时兑换。首席执行官 Jean-Marc Stenger 表示，客户对全天候结算的需求使得美元工具成为「显而易见的下一步」。

在这些稳定币发展的同时，参议院于 6 月 11 日以 68 票赞成、30 票反对的结果，投票决定对《GENIUS 法案》启动终止辩论（cloture）程序，结束了辩论并开始了为期 30 小时的最终投票倒计时，最终投票只需简单多数即可通过。

多数党领袖 John Thune 立即启动了 cloture 后的计时程序。与此同时，参议员们准备就参议员 Bill Hagerty 起草的替代法案进行辩论，该法案删除了之前提出的禁止实物赎回的条款，并明确了非银行发行人的监管。

在早些时候的 cloture 尝试失败后，民主党人提出了这些修改要求。

《GENIUS 法案》将要求每一种支付稳定币都保持与高质量流动资产（主要是短期美国国债或保险存款）的 1:1 支持，并将储备金与运营资金分开。

如果参议院采纳参议员 Bill Hagerty 的修正案并通过该法案，众议院可能无需召开协商委员会即可对文本进行投票，这可能会加速法案的颁布。

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