最后的监管更加明确——美国最终会决定监管而不是禁止稳定货币吗？这些与法定货币竞争的加密货币可以在美国金融领域永久注册，大修改。 美国对稳定货币监管寄予厚望。 美国参议员提出了一项监管稳定货币的法案：2022年稳定货币储备的透明度和统一的交易安全法——稳定货币信托法案。 参议院银行委员会的成员是patrickTomey。因为这个法案，美国已经成为西方的先驱之一。因此，他们可以进行监督，并正式承认稳定货币是其金融体系的一部分。 稳定货币信托法案将稳定货币定义为支付稳定货币。这些被认为是数字资产： 一方面可以直接从发行人转换为信托货币； 另一方面，一种或多种法定货币具有稳定的价值。 该法案表明，这些支付稳定货币不是证券。由于这种情况，这些加密货币是否会逃脱美国证券交易委员会对该行业的任何严格监管？ 为了保护这些加密货币用户，稳定货币信托法案还包括影响稳定货币发行人的措施。 稳定货币的发行人需要获得至少一个监管许可证才能在美国合法经营：货币监管机构（OCC）许可证、国家资本转移许可证或类似授权，或传统银行宪章。 他们也会受到披露制度的约束。这个系统的优点是它给行业带来了更多的透明度。因此，稳定货币的发行人必须： 接受定期审核； 对其稳定币赎回政策进行详细说明； 明确说明保证其稳定性的性质。 这类法案的通过引发了美国联邦储备理事会(Fed)是否有必要发行数字美元的问题。事实上，Tether(USDT)或美元硬币(USDC)远没有完全去中心化。他们过去常常提出与治理有关的缺陷。然而，政府可以完全控制其公民的货币，这对MNBC来说仍然是一个更好的选择。 监管时代已经到来，随之而来的是不确定性时代。使您的货币安全运行非常重要。在KucoinLending上使用您的USDC赚取利息。 美国的日常货币，文章稳定货币？首次出现在JournalduCoin上。 2020年12月，稳定货币和银行许可执法法案（稳定法案）草案在美国国会任期即将结束时发布。法律将批准使用稳定货币和加密货币作为其他实时支付系统的法律替代品。然而，该法案提出了一个显著的增加对稳定货币的监管。它将限制谁能发行稳定货币，要求银行发行稳定货币，并将实施某些标准。然而，值得考虑的是，这一形式的法案是否真的会得到美国国会的批准。 美国联邦储备理事会(美联储，fed)和其他美国监管机构此前曾表示，稳定货币需要更多的监管，应该由银行发行。美国财政部长耶伦再次呼吁国会对稳定货币进行监管。她说，UST的崩溃只表明，它是一个快速增长的产品，存在金融稳定的风险，目前需要一个一致的联邦监管框架。

Final regulation clearer – will the US finally decide to regulate rather than ban stablecoins? These cryptocurrencies that compete with fiat currencies can be permanently registered in the U.S. financial sector, overhauled. The United States has high hopes for stable currency regulation. U.S. senators have introduced a bill to regulate stablecoins: the Stablecoin Reserve Transparency and Uniform Transaction Security Act of 2022 - the Stablecoin Trust Act. A member of the Senate Banking Committee is Patrick Tomey. Because of this act, the United States has become one of the pioneers in the West. Therefore, they can supervise and officially recognize stablecoins as part of their financial system. The Stablecoin Trust Act defines a stablecoin as a stablecoin of payments. These are considered digital assets that: on the one hand can be converted directly from the issuer into a fiduciary currency; on the other hand, one or more fiat currencies have a stable value. The bill states that these payment stablecoins are not securities. Because of this situation, will these cryptocurrencies escape any of the SEC’s strict regulation of the industry? To protect these cryptocurrency users, the Stablecoin Trust Act also includes measures affecting issuers of stablecoins. Issuers of stablecoins are required to obtain at least one regulatory license to operate legally in the United States: an Office of the Oversight of the Currency (OCC) license, a state capital transfer license or similar authorization, or a traditional banking charter. They will also be subject to a disclosure regime. The advantage of this system is that it brings more transparency to the industry. Therefore, issuers of stablecoins must: submit to regular reviews; detail their stablecoin redemption policy; clearly state the nature of the guarantees for their stability. The passage of such bills raises the question of whether it is necessary for the U.S. Federal Reserve (Fed) to issue a digital dollar. In fact, Tether (USDT) or USD Coin (USDC) are far from fully decentralized. They used to raise deficiencies related to governance. However, the government has complete control over its citizens’ currency, which is still a better option for MNBC. The age of regulation has arrived, and with it comes an age of uncertainty. It is important to keep your currency running safely. Use your USDC on KucoinLending to earn interest. America's Everyday Currency, Article Stable Currency? First appeared on JournalduCoin. In December 2020, a draft of the Stable Currency and Bank Licensing Enforcement Act (STABILITY Act) was released towards the end of the term of the U.S. Congress. The law will approve the use of stablecoins and cryptocurrencies as legal alternatives to other real-time payment systems. However, the bill proposes a significant increase in regulation of stablecoins. It will limit who can issue stablecoins, require banks to issue stablecoins, and will impose certain standards. However, it is worth considering whether this form of bill will actually be approved by the US Congress. The Federal Reserve Board of the United States (Federal Reserve, feD) and other U.S. regulators have previously said stablecoins require more oversight and should be issued by banks. U.S. Treasury Secretary Yellen once again called on Congress to regulate stable currencies. She said the collapse of UST only shows that it is a fast-growing product that presents financial stability risks and currently requires a consistent federal regulatory framework.