美参议院银行委员会通过《清晰法案》：CFTC或成加密主要监管方，稳定币奖励条款达成妥协

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智通财经APP获悉，经过数月谈判，美国参议院银行业委员会周四以15比9通过《清晰法案》(Clarity Act)，推进一项长期停滞的数字资产市场结构立法，标志着加密监管框架在国会重新获得进展。该法案将赋予商品期货交易委员会（CFTC）对大部分数字资产的主要监管权，而证券交易委员会（SEC）继续负责数字证券监管，下一步将提交参议院全会审议，并与农业委员会版本进行协调整合。参议院银行业委员会主席蒂姆·...

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Act)，推进一项长期停滞的数字资产市场结构立法，标志着加密监管框架在国会重新获得进展。该法案将赋予商品期货交易委员会（CFTC）对大部分数字资产的主要监管权，而证券交易委员会（SEC）继续负责数字证券监管，下一步将提交参议院全会审议，并与农业委员会版本进行协调整合。参议院银行业委员会主席蒂姆·斯科特表示，“这项立法不在传统金融和新技术之间选边站队，”“它将数字资产从阴影中带出来，纳入一个更安全、更公平、更透明的体系中。”15比9的投票结果可能会受到加密行业的欢迎，该行业长期以来一直寻求为数字资产领域制定明确的规则，但该法案仍面临挑战。目前尚不清楚参议员们在与白宫协商后，是否能够达成一项旨在限制政府官员从加密相关业务中获利的跨党派道德条款。这些道德担忧主要针对美国总统特朗普，其家族财富已因数字资产而发生了改变。一些民主党人也表示，如果没有更强有力的消费者保护和软件开发者起诉条款，他们将不会支持该立法。如果他们能在足够多民主党人的支持下清除这些障碍，该法案可能会获得足够的选票在参议院通过。之后，它仍需在众议院再次进行投票，众议院已在 2025 年通过了该立法的另一个版本。稳定币奖励并非银行“杀手”在立法者、银行团体和加密公司进行了数月的反复谈判后，由参议员汤姆·蒂利斯和安吉拉·阿尔索布鲁克斯达成的跨党派妥协促成了此次委员会投票。这些谈判的焦点在于加密交易所是否有权向持有稳定币(一种价值挂钩美元等资产的加密代币)的客户提供奖励。今年 1 月份的一次委员会投票尝试曾因 Coinbase 首席执行官布莱恩·阿姆斯特朗撤回支持而受挫，原因是当时有尝试限制这些奖励。银行团体持续表示担忧，认为向用户提供与稳定币挂钩的奖励——特别是仅仅因为将稳定币存入数字钱包——可能会导致存款流失，并削弱银行的贷款能力。该立法的最新版本允许加密公司为使用稳定币进行支付或交易提供奖励，但不允许为类似于传统账户存款的行为提供奖励。行业组织“美国独立社区银行家协会”曾表示，如果通过的立法明确允许对稳定币支付特定利息(稳定币通常能提供更丰厚的回报)，小型银行可能面临流失 1.3 万亿美元存款和 8500 亿美元贷款的风险。但这一说法被白宫经济顾问委员会(CEA)反驳，称禁止此类奖励仅能微幅提升传统贷款额——增幅约为 0.02%，即 21 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