A high-ranking official at the US Treasury has called upon lawmakers to take immediate action concerning crypto regulation to avert any potential future financial crises preemptively.

美國財政部的一位高級官員呼籲立法者立即就加密貨幣監管採取行動，以先發制人地避免未來任何潛在的金融危機。

Graham Steele, the Treasury Assistant Secretary for Financial Institutions, argued that the world of crypto offers a unique opportunity for policymakers to institute comprehensive standards before a crisis unfolds, thereby fostering responsible innovation.

美國財政部負責金融機構的助理部長格雷厄姆·斯蒂爾（Graham Steele）認為，加密貨幣世界為政策制定者提供了一個獨特的機會，可以在危機爆發之前製定全面的標準，從而促進負責任的創新。

However, Steele emphasized the need to strike a delicate balance, ensuring that any regulatory measures put in place do not undermine the already robust regulatory framework governing financial institutions and capital markets.

然而，史蒂爾強調需要取得微妙的平衡，確保所採取的任何監管措施都不會破壞已經健全的金融機構和資本市場監管框架。

Speaking at an event hosted by the George Washington University Law School, Graham Steele provided insights into his two-year tenure at the Treasury Department, where he has overseen areas such as cybersecurity, crypto, and capital markets.

格雷厄姆·斯蒂爾在喬治華盛頓大學法學院主辦的活動上發表講話，介紹了他在財政部的兩年任期，負責監督網路安全、加密貨幣和資本市場等領域。

The urgency of crypto regulation has gained prominence on Capitol Hill, with legislators actively crafting bills aimed at reining in the rapidly evolving cryptocurrency industry.

加密貨幣監管的緊迫性在國會山莊得到了重視，立法者正在積極制定旨在控制快速發展的加密貨幣行業的法案。

President Biden Endorses Crypto Regulatory Efforts

拜登總統支持加密貨幣監管努力

President Joe Biden has also endorsed the growing attention toward crypto regulation.

總統拜登也支持對加密貨幣監管的日益關注。

In 2022, he issued an executive order outlining a comprehensive, whole-of-government strategy for addressing the risks and harnessing the potential benefits of digital assets and their underlying technology.

2022 年，他發布了一項行政命令，概述了一項全面的整體政府策略，以應對風險並利用數位資產及其基礎技術的潛在好處。

The executive order specifically targeted key areas such as consumer protection, financial stability, climate-related risks, and national security concerns tied to the crypto sphere.

該行政命令特別針對消費者保護、金融穩定、氣候相關風險以及與加密領域相關的國家安全疑慮等關鍵領域。

Moreover, the order tasked the Treasury with producing various reports, one of which was devoted to regulating cryptocurrencies.

此外，該命令還責成財政部編寫各種報告，其中一份專門針對加密貨幣的監管。

The 2022 Treasury report called for federal regulatory agencies to closely monitor the crypto sector for illicit activities and offer guidance and rule-making as necessary.

2022 年財政部報告呼籲聯邦監管機構密切監控加密貨幣行業的非法活動，並在必要時提供指導和規則制定。

Graham Steele underscored the robustness of existing investor and consumer protection laws in the United States, which he believes can effectively address many of the risks associated with crypto-assets.

葛拉漢·史蒂爾強調了美國現有投資者和消費者保護法的穩健性，他認為這些法律可以有效解決與加密資產相關的許多風險。

He emphasized the importance of stringent enforcement of these laws, ensuring that crypto-assets and related services, along with their users, are afforded the same level of protection and adherence to regulatory principles as other traditional financial products and services.

他強調了嚴格執行這些法律的重要性，確保加密資產和相關服務及其用戶得到與其他傳統金融產品和服務相同程度的保護並遵守監管原則。

Crypto Regulation Can Bring Forward More Use Cases

加密貨幣監管可以帶來更多用例

Steele also took the opportunity to delve into the potential use cases for cryptocurrencies.

斯蒂爾也藉此機會深入研究了加密貨幣的潛在用例。

He highlighted several prospective areas of promise, including cross-border payments, expedited and cost-effective settlement processes, and the immutable nature of blockchain ledgers.

他強調了幾個有前景的領域，包括跨境支付、快速且具有成本效益的結算流程以及區塊鏈帳本的不可變性。

“Those feel like the areas, at least in our report, that we said were the most promising,” Steele said. “So it’s less about the crypto asset itself.”

「至少在我們的報告中，這些感覺像是我們認為最有前途的領域，」斯蒂爾說。 “所以這與加密資產本身無關。”

Steele took a dig at Dogecoin, calling assets like that speculative.

史蒂爾挖苦了狗狗幣，稱此類資產具有投機性。

“It’s less about — I don’t even know if Dogecoin is still a thing or not, but it’s less about trading some of those things,” Steele said.

「這不是關於——我什至不知道狗狗幣是否仍然是一個東西，但它不是關於交易其中一些東西，」斯蒂爾說。

On a separate stage at the World Economic Forum in Davos, Switzerland, prominent figures in the crypto industry weighed in on the ongoing debate surrounding the lack of major use cases for cryptocurrencies.

在瑞士達沃斯世界經濟論壇的另一個舞台上，加密貨幣行業的知名人士對圍繞加密貨幣缺乏主要用例的持續爭論發表了看法。

Ripple CEO Brad Garlinghouse, for instance, cited his company’s focus on resolving cross-border settlement challenges while acknowledging the speculative nature of the sector.

例如，Ripple 執行長 Brad Garlinghouse 表示，該公司專注於解決跨境結算挑戰，同時承認該行業的投機性質。

Garlinghouse also expressed skepticism about certain cryptocurrencies, such as Dogecoin, and questioned their practical utility.

加林豪斯也對某些加密貨幣（例如狗狗幣）表示懷疑，並質疑它們的實用性。