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.

美国财政部的一位高级官员呼吁立法者立即就加密货币监管采取行动，以先发制人地避免未来任何潜在的金融危机。

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.

美国财政部负责金融机构的助理部长格雷厄姆·斯蒂尔（Graham Steele）认为，加密货币世界为政策制定者提供了一个独特的机会，可以在危机爆发之前制定全面的标准，从而促进负责任的创新。

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，斯蒂尔强调需要取得微妙的平衡，确保所采取的任何监管措施都不会破坏已经健全的金融机构和资本市场监管框架。

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·斯蒂尔在乔治华盛顿大学法学院主办的一次活动上发表讲话，介绍了他在财政部的两年任期，负责监督网络安全、加密货币和资本市场等领域。

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.

加密货币监管的紧迫性在国会山得到了重视，立法者正在积极制定旨在控制快速发展的加密货币行业的法案。

President Biden Endorses Crypto Regulatory Efforts

拜登总统支持加密货币监管努力

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

总统乔·拜登也支持对加密货币监管的日益关注。

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，他发布了一项行政命令，概述了一项全面的整体政府战略，以应对风险并利用数字资产及其基础技术的潜在好处。

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.

该行政命令特别针对消费者保护、金融稳定、气候相关风险以及与加密领域相关的国家安全担忧等关键领域。

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

此外，该命令还责成财政部编写各种报告，其中一份专门针对加密货币的监管。

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 年财政部报告呼吁联邦监管机构密切监控加密货币行业的非法活动，并在必要时提供指导和规则制定。

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.

格雷厄姆·斯蒂尔强调了美国现有投资者和消费者保护法的稳健性，他认为这些法律可以有效解决与加密资产相关的许多风险。

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.

他强调了严格执行这些法律的重要性，确保加密资产和相关服务及其用户得到与其他传统金融产品和服务相同水平的保护并遵守监管​​原则。

Crypto Regulation Can Bring Forward More Use Cases

加密货币监管可以带来更多用例

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

斯蒂尔还借此机会深入研究了加密货币的潜在用例。

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

他强调了几个有前景的领域，包括跨境支付、快速且具有成本效益的结算流程以及区块链账本的不可变性。

“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.”

“至少在我们的报告中，这些感觉像是我们认为最有前途的领域，”斯蒂尔说。 “所以这与加密资产本身无关。”

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

斯蒂尔挖苦了狗狗币，称此类资产具有投机性。

“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.

“这不是关于——我什至不知道狗狗币是否仍然是一个东西，但它不是关于交易其中一些东西，”斯蒂尔说。

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.

在瑞士达沃斯世界经济论坛的另一个舞台上，加密货币行业的知名人士对围绕加密货币缺乏主要用例的持续争论发表了看法。

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 首席执行官布拉德·加林豪斯 (Brad Garlinghouse) 表示，该公司专注于解决跨境结算挑战，同时承认该行业的投机性质。

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

加林豪斯还对某些加密货币（例如狗狗币）表示怀疑，并质疑它们的实用性。