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美国加密友好参议员Bill Hagerty提出了一项稳定币监管新草案,旨在改善金融交易和创造美债新机遇。Hagerty的草案在借鉴众议院法案的基础上进行了一些调整,包括将对银行业的监管由美国联准会负责,非银行机构则由货币监理署(Office of the Comptroller of the Currency,OCC)负责。此外,发行者超过100亿美元的发行门槛时,可获得联邦机构豁免,从而继续受其所在的州政府监管。Hagerty认为,稳定币有潜力改善交易与支付系统,并对美国国债产生正面效应。然而,这一草案的通过仍面临诸多挑战,特别是关于监管权的分配和发行门槛的规定。如何在保障金融安全的同时促进技术创新,成为了当前亟待解决的问题。