美國國會考慮禁止CBDC的法案動向




美國國會考慮在市場結構法案中回溯性禁止CBDC

美國眾議院可能會透過一項在七月通過的市場結構法案,來更快速地禁止聯邦儲備局發行中央銀行數字貨幣(CBDC)。

在週一的眾議院規則委員會聽證會上,草擬的議程顯示,提議將《反CBDC監控國家法案》的文本加入《數字資產市場清晰法案》中。該法案在七月也以微弱的票數通過。這種合併方式將把CBDC法案納入送往參議院審議的現有市場結構法案的最終版本中。

眾議院共和黨人在七月對GENIUS法案進行地面投票前考慮過類似的舉措,該法案旨在規範支付穩定幣。一些立法者希望在地面投票之前,穩定幣法案中明確包括對CBDC的禁令,這使得法案在八月休會前的通過延遲。最終,這三項法案在一定的兩黨支持下都獲得通過。

目前尚不清楚合併的眾議院法案是否會對參議院提出的立法產生任何影響。

參議院民主黨提供自己的市場結構框架

儘管共和黨在眾議院和參議院都保持控制,但他們在兩院的微弱多數可能需要一些來自民主黨的支持,以便通過立法,包括提議的市場結構法案。

兩黨的提案均包括更新監管要求的方法,以為數字資產行業提供監管清晰度。然而,民主黨呼籲加入條款,以解決他們所稱的特朗普對更廣泛數字資產行業的“破壞信心”,這是指特朗普家庭的加密業務。

目前尚不清楚共和黨是否打算在法案中處理特朗普與行業的聯繫,包括他家庭的挖礦企業、美國比特幣、世界自由金融及他個人的memecoin。該法案預計在兩週內進入委員會投票。

這項立法動向反映了美國對數字貨幣的監管態度日益嚴格,尤其是在CBDC的問題上。隨著數字貨幣的興起,政府對其監管的必要性愈發明顯,但同時也引發了對隱私和監控的擔憂。這樣的立法行動可能會影響未來數字貨幣的發展方向,特別是在如何平衡監管與創新之間的矛盾上。

在未來的討論中,如何確保數字資產的安全性與透明度,並同時保護用戶的隱私,將成為關鍵議題。這不僅是對美國數字貨幣政策的挑戰,也是全球範圍內各國政府在面對數字經濟時必須考慮的問題。

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A hyper-realistic night portrait of a handsome young man leaning casually against a black luxury car, laughing heartily with head tilted slightly back. He has a groomed beard, short styled dark hair, and is wearing a plain black long-sleeve crewneck sweatshirt. The lighting is low-key and cinematic, with the subject's face warmly illuminated against the darkness. The background features a dark street with beautiful, creamy golden bokeh orbs from distant streetlights and car headlights. Shot on a Sony A7R IV with an 85mm f/1.4 lens, shallow depth of field, sharp focus on the smile, high contrast, moody urban night atmosphere, 8k resolution. Size 4:5 ratio 100% use my upload reference image A photorealistic outdoor portrait of a fit Filipina woman performing a yoga pose on a grassy lawn in a serene park. She is positioned on all fours atop a soft white towel, with one leg extended upward behind her in a controlled, balanced stretch. She wears a simple black bikini-style sports top, emphasizing a natural athletic physique. Her expression is calm and confident, making gentle eye contact with the camera. Her hair is neatly tied back, with minimal makeup for a clean, natural look.
The scene takes place in a lush green park surrounded by tall trees, rendered with a creamy, cinematic bokeh background. The environment feels peaceful and fresh, with soft grass in the foreground and blurred foliage in the distance, creating strong subject separation.
Lighting is natural daylight, soft and diffused, resembling early morning or late afternoon golden-hour light. Highlights are gentle, skin tones are warm and realistic, and shadows are soft with no harsh contrast, enhancing a healthy, natural glow.
Composition is centered and symmetrical, shot from a low eye-level angle slightly below the subject to emphasize form and balance. The depth of field is shallow, with the subject in sharp focus and the background smoothly blurred. The towel anchors the subject visually, adding contrast against the green grass.
Style is ultra-realistic photography with cinematic aesthetics, resembling a high-end fitness or lifestyle photoshoot. Skin texture, fabric details, and natural imperfections are preserved for realism. No stylization or anime effects.
Quality is extremely high: 8K resolution, DSLR-quality image, sharp focus, realistic anatomy, accurate proportions, professional photography, natural color grading, no distortions, no artifacts, and no exaggerated features. Use the original face exactly as it is, without changing a details. A striking, high-fashion editorial portrait of a white -skinned model, captured outdoors with a bright, sunny, slightly hazy ambiance reminiscent of the late 1980s or early 1990s.
Model and Styling
• Model: A female model with elegant features and dark, curly hair, posed looking over her shoulder towards the camera. Her expression is confident and alluring.
• Outfit: She is wearing a two-piece outfit (or a playsuit/romper) entirely covered in black and white polka dots.
• Top: A loose, long-sleeved shirt, worn off one shoulder, showcasing the neckline. The polka dots on the shirt appear slightly smaller and more uniform.
• Bottom: Matching shorts or a skirt with a tight, fitted silhouette, emphasizing her figure. The polka dots here appear slightly denser.
• Hat: A defining accessory—a dramatically oversized sun hat with a wide, floppy brim. The crown is white, and the large, voluminous brim is patterned with large black and white polka dots, cascading down. A black fabric tie/ribbon is visible around the crown.
• Accessories: Large, circular or crescent-shaped gold earrings dangle from her ears.
Lighting and Setting
• Lighting: Natural, bright, direct sunlight creating a warm, sun-kissed, and slightly nostalgic aesthetic. The overall color palette leans towards desaturated pastels and warm creamy whites.
• Setting: She is positioned on a rooftop, terrace, or balcony, with a hazy, mountainous or coastal landscape visible in the blurred background. The background is predominantly soft blues and pale purples, suggesting a distant view over a city or ocean.
• Composition: A vertical, full-body to three-quarter shot. The model is the central focus, framed against the soft background.
Keywords/Style
• Style: High Fashion, Editorial, Retro, 90s Fashion, Resort Wear, Glamorous, Iconic.
• Vibe: Sophisticated, Sunny, Vacation Chic, Bold Pattern.