德克萨斯联合银行首席执行官斯科特贝克呼吁该州区块链工作组的成员提出将稳定币留给银行而不是加密公司的政策。
贝克周五在奥斯汀的德克萨斯区块链事务工作组发表讲话时建议，将美元支持的稳定币的发行限制在持牌银行，而不是像 Circle 这样的发行人。德克萨斯联合银行首席执行官引用了总统金融市场工作组 11 月的一份报告，该工作组在报告中称稳定币发行人应该保持相同的标准 作为受保存款机构，包括州和联邦特许银行。
“如果这种稳定币被定义为‘货币’，那么银行就是发行和管理稳定币的合适的经济参与者，”贝克说。 “银行拥有处理资金的专业知识和法律框架，与今天的稳定币参与者不同，银行在州和联邦层面都受到严格监管。”
他加了：
“将稳定币活动引入银行业并禁止非银行机构发行稳定币将加强对消费者的保护，并为这一新兴的经济活动领域吸引更多资源和资本。”
德克萨斯联合银行首席执行官周五在德克萨斯州议会大厦的区块链事务工作组上发表讲话
在回答工作组成员和 MoneyGram 总法律顾问 Robert Villaseñor 的提问时，贝克声称，与银行相比，像 Circle 这样的稳定币发行人在“其他机构”持有资产，“实际上是在吸走银行业的存款。”他补充说，一些稳定币特别容易受到影响 ，如果市场达到一定规模，可能会威胁到经济，并将发行留给银行确保遵守“了解你的客户”规则。
德克萨斯区块链委员会主席 Lee Bratcher 出席了听证会，他质疑 Beck 的提议是“反竞争的”。这位银行首席执行官反驳说，持牌银行和发行稳定币的私营公司之间的主要区别之一是，对于前者来说，代币背后的现金将继续“存放在美联储”，同时确保资金将获得 FDIC 的保险。
Circle 的 USDC 美元挂钩稳定币据称 100% 由现金或现金等价物支持，包括银行存款、国库券或商业票据。稳定币发行人在 3 月份宣布，金融机构 BNY Mellon会负责看管 其 USDC 储备——截至发布之时，流通中的代币超过 520 亿枚。
德克萨斯州区块链事务工作组是2021年9月正式成立 在众议院第 1576 号法案通过之后。根据该组织的网站，其使命包括开发一个框架，“用于扩展德克萨斯州的区块链行业，并推荐与区块链技术相关的政策和国家投资。”
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