# 聯邦存款保險公司（FDIC）批准了與GENIUS法案相關的擬議規則通知。

*fintech · news · 2026-04-08 · CoinGape*

## Key points

- FDIC提案要求受監管機構在通過子公司發行支付穩定幣前須獲得批准。
- 該規則為FDIC監管的穩定幣發行機構引入了具體的運營及準備金管理標準。
- 為穩定幣提供託管服務的受保存款機構將面臨新的監管要求。
- FDIC尚未設定發行機構的最低資本要求，而是徵求公眾對此議題的意見。
- 此提案標誌著FDIC在GENIUS法案下對穩定幣的第二步監管行動。

U.S. stablecoins are moving into a new regulatory phase after the Federal Deposit Insurance Corporation (FDIC) approved a notice of proposed rulemaking tied to the GENIUS Act. The proposal sets out a prudential structure for FDIC-supervised issuers and outlines how payment stablecoins will operate under federal oversight. U.S. Stablecoins Framework Expands Under FDIC Proposal The FDIC’s proposal focuses on entities under its supervision, including subsidiaries of insured state nonmember banks and state savings associations. These institutions must receive approval before issuing payment stablecoins through subsidiaries. The structure defines operational expectations and sets standards for how issuers manage reserves and meet redemption obligations. In addition, the rule outlines requirements for insured depository institutions that provide custodial and storage services for payment stablecoins. These rules are intended to lay out how banks engage with stablecoin facilities while operating within the current regulatory boundaries. This follows a previous report where crypto and banking leaders expressed optimism over a CLARITY Act deal after reviewing updated stablecoin yield text. AML Rules and Capital Questions Remain Open The draft proposes adherence to anti-money laundering requirements. Each authorized payment stablecoin issuer must attest that it has enacted programs intended to prevent money laundering and the financing of terrorism. These norms align with broader federal regulation expectations for financial institutions that manage digital assets. However, the FDIC has not defined a minimum capital requirement. Instead, the agency is looking for public input on whether to impose a formal capital foundation in future rules. This strategy leaves key testing decisions open while allowing feedback during the rulemaking process. Comments on the proposal will remain open for 60 days after publication in the Federal Register. The draft document also addresses technical and supervisory questions raised by market participants, while deferring more complex issues such as capital thresholds. Coordination With GENIUS Act and CLARITY Act Developments The ruling amounts to the FDIC’s second step under the GENIUS Act. In December 2025, the agency released a separate proposal outlining application procedures for institutions seeking approval to issue U.S. stablecoins. The GENIUS Act directs the FDIC, other federal regulators, and the Department of the Treasury to impose prudential standards on entities that issue or support payment stablecoins. As a result, the current proposal advances that mandate while aligning with ongoing legislative discussions.

**Countries:** United States

[Read the full story on CoinGape](https://coingape.com/us-stablecoins-face-a-shift-as-fdic-advances-genius-act-framework/)

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