{"id":18826,"date":"2025-06-18T07:00:14","date_gmt":"2025-06-18T07:00:14","guid":{"rendered":"https:\/\/kriptomagazin.si\/?p=18826"},"modified":"2025-06-18T07:00:14","modified_gmt":"2025-06-18T07:00:14","slug":"ameriski-senat-sprejel-zakon-genius-stabilni-kovanci-dobivajo-regulativni-okvir","status":"publish","type":"post","link":"https:\/\/testnamag.si\/staging\/ameriski-senat-sprejel-zakon-genius-stabilni-kovanci-dobivajo-regulativni-okvir\/","title":{"rendered":"Ameri\u0161ki senat sprejel zakon GENIUS: stabilni kovanci dobivajo regulativni okvir"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"18826\" class=\"elementor elementor-18826\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ac44a4a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ac44a4a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cf7eb51\" data-id=\"cf7eb51\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73e21c97 elementor-widget elementor-widget-text-editor\" data-id=\"73e21c97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">ZDA so naredile pomemben korak k pravni regulaciji stabilnih kovancev. Zakon z imenom GENIUS (Guiding and Establishing National Innovation for U.S. Stablecoins Act of 2025) je bil sprejet z visoko dvostransko podporo, kar ozna\u010duje prvi primer, ko je senat potrdil klju\u010dni zakon s podro\u010dja digitalnih valut.<\/span><\/p><h2><b>Namen zakona GENIUS<\/b><\/h2><p><span style=\"font-weight: 400;\">Zakon predvideva strogo regulacijo izdajateljev stabilnih kovancev, katerih vrednost je vezana na ameri\u0161ki dolar. Klju\u010dne dolo\u010dbe vklju\u010dujejo:<\/span><\/p><ul style=\"color: white;\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">obvezne rezerve v gotovini ali kratkoro\u010dnih ameri\u0161kih obveznicah,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">popolno preglednost poslovanja,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">usklajenost s protidose\u017enimi ukrepi (AML) ter<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">nadzor ustreznih regulatorjev.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">V ospredju so kovanci, kot so USDC (Circle), USDT (Tether) in Ripple-ovi digitalni produkti, ki jih zakon opredeljuje kot dovolj uveljavljene za regulacijo.<\/span><\/p><h3><b>Politi\u010dna podpora in ovire<\/b><\/h3><p><span style=\"font-weight: 400;\">Zakon je bil v senatu sprejet s 68 glasovi proti 30, kar predstavlja pomembno zmago za digitalno zakonodajo v ZDA. Med glavnimi zagovorniki je senator Bill Hagerty, ki je poudaril, da bo zakon &#8220;zagotovil jasnost, varnost in globalno vodstvo na podro\u010dju stabilnih digitalnih sredstev&#8221;.<\/span><\/p><p><span style=\"font-weight: 400;\">Vendar pa zakon ni uspel prepri\u010dati vseh. Senatorica Elizabeth Warren je med glasnimi nasprotniki in opozarja na morebitne zlorabe zakona, zlasti glede stabilnih kovancev, ki izhajajo iz tujine. Kritiki izpostavljajo tudi morebitne konflikte interesov v povezavi z zasebno <\/span><b>kripto<\/b><span style=\"font-weight: 400;\"> udele\u017ebo nekaterih politi\u010dnih akterjev.<\/span><\/p><h3><b>Naslednji koraki v zakonodajnem postopku<\/b><\/h3><p><span style=\"font-weight: 400;\">Zakon GENIUS je vsebinsko povezan z Digital Asset Market Clarity Act \u2013 \u0161ir\u0161im zakonom, ki dolo\u010da pravno osnovo za celoten ameri\u0161ki trg digitalnih sredstev. \u010ceprav sta zakona lo\u010dena, industrija in zakonodajalci opozarjajo, da morata biti sprejeta skupaj za u\u010dinkovito regulacijo.<\/span><\/p><p><span style=\"font-weight: 400;\">Zdaj zakon prehaja v predstavni\u0161ki dom, kjer bo ali potrjen v sedanji obliki ali spremenjen in vrnjen v senat. Izhodi niso jasni, vendar pa predstavniki industrije \u2013 kot je DeFi Education Fund \u2013 zakon ozna\u010dujejo kot \u00bbzgodovinski preboj\u00ab.<\/span><\/p><h3><b>Ve\u010dina transakcij \u017ee poteka v stabilnih valutah<\/b><\/h3><p><span style=\"font-weight: 400;\">Po poro\u010dilu TRM Labs stabilni kovanci predstavljajo ve\u010d kot 60<\/span><span style=\"font-weight: 400;\">\u202f<\/span><span style=\"font-weight: 400;\">% vseh digitalnih transakcij, pri \u010demer je ve\u010d kot 90<\/span><span style=\"font-weight: 400;\">\u202f<\/span><span style=\"font-weight: 400;\">% teh vezanih na dolar. Najpogosteje uporabljena sta USDC in USDT. \u010ceprav je po ocenah kar 99<\/span><span style=\"font-weight: 400;\">\u202f<\/span><span style=\"font-weight: 400;\">% uporabe zakonite, zakonodajalci opozarjajo na tveganja, kot so izsiljevalske programske opreme, goljufije in financiranje terorizma.<\/span><\/p><h2><b>Zakon GENIUS \u2013 korak k regulirani prihodnosti digitalnih financ<\/b><\/h2><p><span style=\"font-weight: 400;\">Zakon GENIUS predstavlja prvi resni premik v smeri sistemske regulacije stabilnih kovancev v ZDA. \u010ce bo potrjen tudi v predstavni\u0161kem domu, bo to pomenilo pomembno prelomnico za <\/span><b>kripto<\/b><span style=\"font-weight: 400;\"> industrijo ter utrditev ameri\u0161ke vloge kot potencialnega globalnega voditelja v svetu digitalnih financ.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f38619 elementor-widget elementor-widget-text-editor\" data-id=\"6f38619\" data-element_type=\"widget\" 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Zakon z imenom GENIUS (Guiding and Establishing National Innovation for U.S. Stablecoins Act of 2025) je bil sprejet z visoko dvostransko podporo, kar ozna\u010duje prvi primer, ko je senat potrdil klju\u010dni zakon s podro\u010dja digitalnih valut. Namen zakona GENIUS Zakon predvideva strogo regulacijo izdajateljev stabilnih [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":33024,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"footnotes":""},"categories":[116,118],"tags":[],"class_list":["post-18826","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kripto-novice","category-politika"],"jetpack_featured_media_url":"https:\/\/testnamag.si\/staging\/wp-content\/uploads\/2025\/05\/ChatGPT-Image-13.-maj-2025-10_15_15.jpg","_links":{"self":[{"href":"https:\/\/testnamag.si\/staging\/wp-json\/wp\/v2\/posts\/18826","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/testnamag.si\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/testnamag.si\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/testnamag.si\/staging\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/testnamag.si\/staging\/wp-json\/wp\/v2\/comments?post=18826"}],"version-history":[{"count":0,"href":"https:\/\/testnamag.si\/staging\/wp-json\/wp\/v2\/posts\/18826\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/testnamag.si\/staging\/wp-json\/wp\/v2\/media\/33024"}],"wp:attachment":[{"href":"https:\/\/testnamag.si\/staging\/wp-json\/wp\/v2\/media?parent=18826"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/testnamag.si\/staging\/wp-json\/wp\/v2\/categories?post=18826"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/testnamag.si\/staging\/wp-json\/wp\/v2\/tags?post=18826"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}