6.6 Regulation 《CLARITY法案》参议院审议在即，争议聚焦稳定币收益。监管不明令银行难以投资，业界警告拖延将损害美国金融领导地位。
《CLARITY法案》作为美国主要的加密货币监管法案，已在众议院通过，目前正提交参议院审议，截止日期为4月3日。该法案旨在明确数字资产的联邦监管框架，要求加密平台和代币发行方进行注册和报告。 核心争议在于是否允许稳定币发行方向客户提供收益。加密行业支持者认为，受监管的收益产品将扩大金融服务的可及性，而传统银行则警告，未受监管的收益机制可能分流存款并带来系统性风险。 前CFTC主席Chris Giancarlo多次警告，美国银行比加密公司更需要监管明确，否则银行无法在数字资产基础设施上进行大规模投资。如果法案未通过，SEC和CFTC可能会自行制定相关规定。持续的不确定性已导致部分大型银行缩减数字资产相关业务，凸显出台全面加密监管以保持美国全球金融领导地位的紧迫性。
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