\nB\u0103ncile americane fac presiuni pentru modificarea noilor reglement\u0103ri privind stablecoins, de teama c\u0103 acestea ar putea provoca ie\u015firi masive de capital din depozite, subliniind competi\u0163ia tot mai puternic\u0103 dintre Wall Street \u015fi industria criptomonedelor, noteaz\u0103 FT.<\/p>\n
\nAsocia\u0163ii bancare precum American Bankers Association, Bank Policy Institute \u015fi Consumer Bankers Association au avertizat s\u0103pt\u0103m\u00e2na trecut\u0103 parlamentarii asupra unei \u201eporti\u0163e\u201d legislative care ar permite unor platforme cripto s\u0103 pl\u0103teasc\u0103 indirect dob\u00e2nd\u0103 de\u0163in\u0103torilor de stablecoins.<\/p>\n
\nStablecoins sunt tokenuri digitale ancorate de active din lumea real\u0103, precum dolarul american.<\/p>\n
\nLegea Genius Act, adoptat\u0103 de Congres \u00een iulie pentru reglementarea pie\u0163ei globale a stablecoins estimat\u0103 la 288 miliarde de dolari, interzice emiten\u0163ilor s\u0103 pl\u0103teasc\u0103 \u201erandament\u201d sau dob\u00e2nd\u0103 clien\u0163ilor.<\/p>\n
\nConform noilor reguli, b\u0103ncile pot emite propriile stablecoins, dar nu au voie s\u0103 pl\u0103teasc\u0103 dob\u00e2nd\u0103. \u00cen schimb, exchange-urile de cripto vor putea oferi indirect dob\u00e2nzi \u015fi recompense de\u0163in\u0103torilor de stablecoins.<\/p>\n
\nB\u0103ncile se tem c\u0103 aceast\u0103 diferen\u0163\u0103 de tratament ar putea crea o competi\u0163ie inegal\u0103 \u015fi ar declan\u015fa retrageri masive din depozitele bancare, clien\u0163ii prefer\u00e2nd s\u0103 ob\u0163in\u0103 randament prin stablecoins la bursele cripto \u00een loc de a p\u0103stra bani \u00een conturi bancare.<\/p>\n
\nUn raport al Trezoreriei SUA din aprilie a estimat c\u0103 stablecoins ar putea atrage p\u00e2n\u0103 la 6.600 de miliare de dolari din depozite, \u00een func\u0163ie de nivelul dob\u00e2nzii, au subliniat reprezentan\u0163ii industriei bancare.<\/p>\n
\nAce\u015ftia au avertizat asupra unui \u201erisc mai mare de fug\u0103 a depozitelor, mai ales \u00een perioade de stres, ceea ce va submina procesul de creditare \u00een economie\u201d.<\/p>\n
\nConsecin\u0163ele ar putea fi \u201edob\u00e2nzi mai mari, mai pu\u0163ine credite \u015fi costuri crescute pentru companii \u015fi gospod\u0103rii\u201d, au ad\u0103ugat ei.<\/p>\n","protected":false},"excerpt":{"rendered":"
B\u0103ncile americane fac presiuni pentru modificarea noilor reglement\u0103ri privind stablecoins, de teama c\u0103 acestea ar putea provoca ie\u015firi masive de capital din depozite, subliniind competi\u0163ia tot mai puternic\u0103 dintre Wall Street \u015fi industria criptomonedelor, noteaz\u0103 FT. Asocia\u0163ii bancare precum American Bankers Association, Bank Policy Institute \u015fi Consumer Bankers Association au avertizat s\u0103pt\u0103m\u00e2na trecut\u0103 parlamentarii asupra […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[7267,50641,47800,7458,1070,60704,61087,106,348],"class_list":["post-239568","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-banci","tag-cripto","tag-crypto","tag-dobanda","tag-lobby","tag-stablecoin","tag-stablecoins","tag-sua","tag-trump"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/239568","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=239568"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/239568\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=239568"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=239568"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=239568"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}