# 聯邦存款保險公司已發布擬議規則，以實施針對FDIC監管的支付穩定幣發行者的GENIUS法案。

*fintech · news · 2026-04-09 · The Banker*

## Key points

- FDIC已針對GENIUS法案下的支付穩定幣發行者提出規則。
- 穩定幣發行者必須持有一比一的準備金，並符合類銀行的資本和流動性標準。
- FDIC澄清準備金存款保險僅適用於發行者層級，不適用於代幣持有者。
- 新規則顯示穩定幣將面臨類似傳統銀行的監管，改變了先前的預期。

Washington’s financial rulemakers are in an unusually busy mood. The Federal Deposit Insurance Corporation has published proposed rules to implement the GENIUS Act for FDIC-supervised payment stablecoin issuers, and the message is plain enough: if stablecoins want legitimacy, they will have to accept something much closer to bank-style discipline. One-to-one reserves, liquidity and capital standards, rapid redemption requirements, audit obligations and tight limits on permissible activities all point in the same direction. So does the clarification that reserve deposits are insured at the issuer level, not passed through to token holders. For an industry built on the promise of frictionless money, the regulatory future is looking more supervised than may have been assumed.

**Countries:** United States

[Read the full story on The Banker](https://www.thebanker.com/content/b79743bf-48ec-4a31-a2c4-e7d07957e956)

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