美国众议院通过加密货币法案

Core Viewpoint - The passage of the GENIUS Act by the U.S. House of Representatives marks a significant victory for the cryptocurrency sector, providing a regulatory framework for stablecoins and other digital assets [1][3]. Group 1: Legislative Developments - The GENIUS Act was approved with a vote of 308 in favor and 122 against, with notable bipartisan support [1]. - The Senate had previously approved the same legislation in mid-June, indicating a strong momentum for stablecoin regulation [1]. - The legislation requires stablecoins to be backed by liquid assets, such as U.S. dollars or short-term treasury bills, and mandates monthly disclosure of reserve assets by issuers [4]. Group 2: Market Reactions - Following the House vote, the stock price of Circle, a stablecoin issuer, remained relatively stable, while Bitcoin experienced a minor increase from $118,500 to $119,300 [3]. - Major financial institutions like JPMorgan, Bank of America, and Visa view the legislation as a catalyst for entering the stablecoin market [5]. Group 3: Future Regulatory Framework - The House also passed the CLARITY Act, aimed at establishing a regulatory framework for cryptocurrencies, which will now be sent to the Senate for consideration [5]. - The CLARITY Act seeks to reduce the SEC's regulatory power over cryptocurrencies, transferring more authority to the Commodity Futures Trading Commission (CFTC), which has faced opposition from many Democrats [5].