Stagcoins无法根据《GENIUS法》获得FDIC的保险,即使有资产支持,也不足以保护银行和公平竞争。 Stablecoins won’t get FDIC insurance under the GENIUS Act, even if backed by assets, to protect banks and fair competition.

FDIC主席Travis Hill证实,根据GENIUS法,稳定币不能获得存款保险,包括自由通过保险,澄清这种保险将违背法律防止稳定币模仿受保银行存款的意图。 FDIC Chair Travis Hill confirmed that stablecoins under the GENIUS Act cannot receive deposit insurance, including pass-through coverage, clarifying that such insurance would contradict the law’s intent to prevent stablecoins from mimicking insured bank deposits. FDIC不会为稳定币储备提供保险，即使稳定币储备完全由资产支持，以避免削弱社区银行和扭曲竞争。 The FDIC will not insure stablecoin reserves, even if fully backed by assets, to avoid undermining community banks and distorting competition. 该机构计划发布条例以消除模棱两可之处,特别是在银行失灵之后。 The agency plans to issue regulations to eliminate ambiguity, especially after bank failures. 同时,象征性存款——与稳定币不同——如果符合合法存款标准,仍然有资格获得保险。 Meanwhile, tokenized deposits—distinct from stablecoins—may still qualify for insurance if they meet legal deposit criteria. 外国直接投资促进委员会还在推动以风险和消费者结果为重点的更广泛的监督改革。 The FDIC is also advancing broader supervision reforms focused on risk and consumer outcomes.