《天才法》试图对稳定币进行监管以保护用户,尽管批评者警告说,它缺乏关键的保障。 
The Genius Act seeks to regulate stablecoins to protect users, though critics warn it lacks key safeguards.
《天才法》或《使用者资产和稳定保障法》旨在监管稳定币,即与美元等真实世界资产挂钩的数字货币,以确保稳定和保护使用者。 The Genius Act, or Guardians of Users' Assets and Stability Act, aims to regulate stablecoins, digital currencies tied to real-world assets like the U.S. dollar, to ensure stability and protect users. 该法案得到两党的支持,但因缺乏存款保险和关于稳定币如何使用资金的明确规则而面临批评,这有可能导致金融风险。 The bill has bipartisan support but faces criticism for lacking deposit insurance and clear rules on how stablecoins can use funds, potentially leading to financial risks. 如果通过,它可以加强美元在数字货币中的支配地位。 If passed, it could strengthen the U.S. dollar's dominance in digital currencies.
