2026-05-09 02:06:40 UTC / 路透社
作者：汉娜·朗
2026年5月9日 美国东部时间凌晨2:06 更新于1小时前
2025年9月10日资料图：比特币加密货币示意图。路透社/达多·鲁维奇 制图 购买授权，将在新标签页打开
5月8日（路透社）——美国参议员下周将审议期待已久的立法，该法案将为加密货币建立监管框架，有望结束加密企业与美国银行之间围绕该法案陷入的僵局。
这部被称为《清晰法案》的法案如果签署生效，将明确金融监管机构对这个蓬勃发展领域的管辖权，有望推动数字资产的普及。
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美国参议院银行委员会主席蒂姆·斯科特参议员周五表示，该委员会将于5月14日上午10:30（格林威治标准时间14:30）在华盛顿特区德克森参议院办公楼举行执行会议。
加密行业一直在推动该立法，称其对美国数字资产的未来至关重要，也是解决加密企业长期存在的核心问题的必要之举。除其他事项外，该法案将明确加密代币何时属于证券、商品或其他类别，为行业提供法律清晰度。
该法案还包含一项旨在解决加密企业与银行业之间激烈争端的条款。根据共和党参议员汤姆·蒂利斯和民主党参议员安吉拉·阿尔索布鲁克斯达成的折中方案，被称为稳定币的美元挂钩加密代币的闲置持仓的客户奖励将被禁止，因为这类奖励类似于银行存款。
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与稳定币相关的其他活动（例如发送付款）的奖励将被允许。银行业贸易团体反对这项条款，称其给予加密企业过多的自由度，可能会导致存款从受监管的银行体系流失。
银行在听证会前发起了最后一搏，试图争取参议院银行委员会的一些共和党议员放弃对该法案的支持，但尚不清楚他们能否成功。
银行业的说客一直在寻求修改《清晰法案》，以填补去年签署的一项法律留下的“漏洞”——该法律允许中介机构为稳定币支付利息。银行方面表示，这将导致受保险的银行体系的存款外流，可能威胁金融稳定。
加密企业称，禁止加密货币交易所等第三方为稳定币支付利息是反竞争的。
该行业希望《清晰法案》能在未来几个月内获得通过，赶在11月中期选举之前。届时民主党可能会夺回众议院的控制权。
众议院已于去年7月通过了其版本的《清晰法案》，但参议院需要在2026年底前通过该法案，才能将其提交给唐纳德·特朗普总统签署。
许多国会民主党人反对该法案，认为其反洗钱条款过于薄弱，且应采取更多措施防止政治官员从加密企业获利。
该法案需要参议院全体议员中至少7名民主党人的支持才能获得通过。
特朗普总统曾拉拢加密行业资金，承诺成为“加密货币总统”，而他家族自己的加密业务也帮助推动该行业进入主流视野。
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US Senate Committee set to consider long-awaited crypto bill next week
2026-05-09 02:06:40 UTC / Reuters
By Hannah Lang
May 9, 2026 2:06 AM UTC Updated 1 hour ago
Representation of Bitcoin cryptocurrency in this illustration taken September 10, 2025. REUTERS/Dado Ruvic/Illustration Purchase Licensing Rights, opens new tab
May 8 (Reuters) – U.S. senators are set to consider long-awaited legislation that would create a regulatory framework for cryptocurrency next week, potentially ending a deadlock over the bill that pitted crypto companies against U.S. banks.
The bill, dubbed the Clarity Act, would, if signed into law, clarify financial regulators’ jurisdiction over the burgeoning sector, potentially boosting digital asset adoption.
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U.S. Senator Tim Scott, chairman of the Senate Banking Committee, said on Friday the panel would hold an executive session on May 14 at 10:30 a.m. (1430 GMT) in the Dirksen Senate Office Building in Washington, D.C.
The crypto industry has been pushing for the legislation, saying it is existential to the future of digital assets in the U.S. and necessary to fix core, longstanding problems for crypto companies. Among other things, the legislation would define when crypto tokens are securities, commodities or otherwise, giving the industry legal clarity.
The bill also includes a provision aimed at settling a heated dispute between crypto companies and the banking industry. Under the compromise brokered by Republican Senator Thom Tillis and Democratic Senator Angela Alsobrooks, customer rewards on idle holdings of dollar-backed crypto tokens known as stablecoins would be prohibited, given their resemblance to bank deposits.
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Rewards on other activities associated with stablecoins, such as sending a payment, would be permitted. Banking trade groups have pushed back on this provision, saying it gives crypto companies too much latitude and could shift deposits away from the regulated banking system.
Banks have launched a last-ditch effort to peel support from some Republicans on the Senate Banking Committee before the hearing, but it is unclear if they will be able to do so.
Lobbyists for the banking industry have been seeking a fix in the Clarity Act to close a “loophole” stemming from legislation signed into law last year that allows intermediaries to pay interest on stablecoins. Banks say this would lead to a flight of deposits from the insured banking system, potentially threatening financial stability.
Crypto companies say that prohibiting third parties, such as crypto exchanges, from paying interest on stablecoins would be anti-competitive.
The industry hopes the Clarity Act gets passed in the coming months before the November midterm elections, in which Democrats could wrest control of the House of Representatives.
The House passed its version of the Clarity Act in July last year, but the Senate needs to pass the bill by the end of 2026 in order to send it to President Donald Trump’s desk.
Many congressional Democrats have been opposed to the bill, arguing it is too weak on anti-money laundering provisions, and that it should do more to prevent political officials from profiting from crypto ventures.
The bill would need support from at least seven Democrats in the full Senate to gain approval.
President Trump courted industry cash, pledging to be a “crypto president,” and his family’s own crypto ventures have helped to propel the sector into the mainstream.
Reporting by Hannah Lang in New York; Additional reporting by Carlos Méndez in Mexico City; Editing by Tom Hogue
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