聯邦存款保險公司審查穩定幣與金融合規的新規則
FDIC Reviews New Rules for Stablecoins and Financial Compliance
聯邦存款保險公司(FDIC)目前正邁入數位金融的關鍵階段。
The Federal Deposit Insurance Corporation (FDIC) is currently entering a vital phase for digital finance.
隨著《引導與確立國家穩定幣創新(GENIUS)法案》於2025年7月18日通過，FDIC現正針對穩定幣制定嚴格的聯邦規範。
Following the passage of the Guiding and Establishing National Innovation for U.S.
該機構目標在2026年7月18日的截止日期前，完成銀行透過子公司發行支付型穩定幣的標準。
Stablecoins (GENIUS) Act on July 18, 2025, the FDIC is now developing strict federal rules for stablecoins.
此項監管的核心是建立「許可支付穩定幣發行人」(PPSI)身份。
By the July 18, 2026 deadline, the agency aims to finalize standards for banks issuing payment stablecoins through subsidiaries.
為維持穩定，FDIC計畫強制執行1:1的儲備金支援，並僅限使用現金和政府債券，同時配合嚴格的資本與流動性要求。
A central aspect of this regulation is the establishment of the 'permitted payment stablecoin issuer' (PPSI) status.
此外，FDIC明確指出這些資產不符合聯邦存款保險資格，並嚴禁業者對外宣稱具有此類保障。
To maintain stability, the FDIC plans to enforce 1:1 reserve backing using only cash and government bonds, alongside rigorous capital and liquidity requirements.
透過與財政部及貨幣監理署(OCC)協調，FDIC希望為創新開闢一條安全的「銀行級」路徑。
This move is designed to bridge traditional finance with the digital economy while preventing risks like bank runs.
此項監管結構標誌著邁向更嚴格的監督，確保隨著數位資產日益普及，更廣泛的金融系統能保持安全與韌性。
By coordinating with the Treasury and the OCC, the FDIC hopes to create a secure, 'bank-grade' pathway for innovation.
