Coinbase行政總裁警告重啟GENIUS法案屬「紅線」,抨擊銀行遊說行為
Coinbase行政總裁Brian Armstrong近日警告,任何重啟GENIUS法案的嘗試都會觸及「紅線」,並指責銀行利用政治壓力遊說國會,阻止穩定幣獎勵機制,限制市場競爭。
Armstrong於周日於社交平台X發文表示,他對銀行能夠如此公開地遊說國會而不受反彈感到「印象深刻」,並強調Coinbase會繼續反擊修訂該法案的努力,「我們絕不會讓任何人重啟GENIUS法案。」
他更預測,銀行未來幾年反而會轉變立場,開始支持能夠對穩定幣支付利息和收益的權利,因為他們最終會認識到這當中蘊藏的龐大商機,形容銀行目前的反對行為不但徒勞無功,更是不道德的。
GENIUS法案經過數月談判通過,禁止穩定幣發行商直接支付利息,但允許平台和第三方提供獎勵機制。
銀行遊說針對穩定幣「獎勵」機制
Armstrong的言論回應了Digital Ascension Group董事及業務發展主管Max Avery的帖子。Avery指出,銀行業部分勢力正推動立法者重新審視該法案,擬議修訂將不僅禁止穩定幣發行商直接支付利息,更會廣泛限制平台及第三方提供的「獎勵」,切斷間接收益分享的渠道。
他指出,銀行目前在聯邦儲備系統的存款可賺取約4%收益,但消費者在傳統儲蓄賬戶中獲得的利息幾乎為零。穩定幣平台透過與用戶分享部分收益,威脅了這種傳統模式。
銀行以「安全問題」及「社區銀行存款」為由反對,然而獨立研究顯示,社區銀行並未出現大量存款流失的情況。
美國立法者提議穩定幣支付稅務減免
上周,美國立法者提出一項討論草案,旨在減輕普通加密貨幣用戶的稅務負擔,建議將小額穩定幣交易免除資本利得稅。該提案由眾議員Max Miller和Steven Horsford提出,允許最高200美元的受監管美元掛鉤穩定幣支付免於計算盈虧。
此外,該法案還針對質押和挖礦獎勵的稅務問題,允許納稅人將獎勵收入的認列延後最多五年。
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評論與啟示
Coinbase行政總裁Brian Armstrong對重啟GENIUS法案的強烈反對,反映出加密貨幣行業與傳統銀行業之間日益激烈的利益衝突。銀行業試圖限制穩定幣的收益機制,實質上是為了保護其既得利益,避免新興金融科技平台分食利潤。這種情況下,監管成為了競爭的戰場,而非純粹的市場秩序維護。
值得注意的是,Armstrong預見銀行未來可能轉而支持穩定幣支付利息,說明他對市場趨勢有深刻洞察。這種轉變不僅是商業利益驅動,更可能促使監管框架逐步開放,為加密金融創新創造空間。
另一方面,銀行以安全和社區存款流失為由反對穩定幣獎勵,卻缺乏實證支持,顯示其論點更多是策略性防禦。這提醒監管者在制定政策時,應基於數據和事實,而非利益團體的壓力。
最後,美國立法者提出的稅務減免草案,若能落實,將大大促進普通用戶使用穩定幣支付和參與質押,推動加密貨幣的普及與應用。這種政策創新對全球其他司法管轄區也有借鑑意義。
總括而言,這場關於穩定幣監管的爭論,不僅是金融科技與傳統金融的碰撞,更是一場關於未來金融生態如何演變的博弈。香港作為國際金融中心,應密切關注美國的動向,並思考如何在監管與創新間取得平衡,為本地加密產業創造有利環境。
以上文章由特價GPT API KEY所翻譯及撰寫。圖片由Google Gemini / Imagen根據內容自動生成。

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