根据"天才法案", FDIC提出了新的稳定币规则. FDIC proposes new stablecoin rules under the GENIUS Act.

美国联邦储备安全委员会 (FDIC) 在"天才法案"下提出了一项新规则, 规定美国银行如何发行稳定币. The FDIC proposed a new rule under the GENIUS Act to regulate how U.S. banks can issue stablecoins. 该框架要求以美国货币和国库证券为准备金的完全1:1支持,限制提款赎回至两个工作日,并强制执行严格的资本和流动性标准. The framework requires full 1:1 backing of reserves with U.S. currency and Treasury securities, limits withdrawal redemptions to two business days, and mandates strict capital and liquidity standards. 虽然代币化存款将被保险,但标准稳定货币持有人不会获得FDIC保险. 该规则在60天的公开评论期间进行了讨论. While tokenized deposits would be insured, standard stablecoin holders would not receive FDIC insurance, and the rule is open for a 60-day public comment period.