Odaily星球日报讯 美国参议院通过的《Genius Act》赋予稳定币持有者在发行方破产时，对其支持资产的优先索赔权，引发银行与法律界关注。乔治城大学法学教授 Adam Levitin 指出，该机制可能导致“以银行存款为代价补贴稳定币发行”，损害传统银行客户的利益，特别是在发行方或托管银行破产时。 法案还规定，稳定币必须由高流动性资产（如美国国债）支持，发行方需每月披露储备情况，并具备冻结代币的能力。如通过，银行等实体将可合法发行合规稳定币。 业内人士认为，尽管该法案意在提升用户信心并加强稳定币与传统金融的融合，但“破产优先权”的安排可能扰乱原有金融体系的风险结构，成为稳定币发展与监管协调的重要转折点。（DL News）
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