2026-01-14 11:30:34

#数字资产市场动态 The digital asset market clarity bill recently introduced by the U.S. Senate has truly stirred up the entire community. The most important point is that it finally clarifies the fundamental issue—whether cryptocurrencies are securities or commodities—this is no longer a gray area. At the same time, the CFTC has been granted oversight over the spot market, which is significant for industry regulation.

There's also an interesting detail: the bill explicitly prohibits crypto companies from paying interest solely because users hold stablecoins, but rewards generated from genuine payment scenarios and trading activities are acceptable. This differentiated approach is quite insightful—on one hand, it aims to protect retail investors; on the other, it doesn't want to stifle DeFi innovation. The regulatory mindset is clearly exposed.

The market's reaction has been quite positive. Tokens like $XRP, $SOL, and $LINK, which are named as candidates for ETF products, are definitely causing excitement in the community. Senator Lummis emphasized on x.com that this is the result of bipartisan consensus and urged the process to move quickly. Does it look like progress is smooth?

But a closer look reveals some concerns. The Senate Banking Committee has postponed the discussion to January 16, and they have already received 75-130 amendments. Sensitive issues like DeFi and yield mechanisms are still being debated repeatedly, indicating that the bill's final draft is far from settled. The industry shouldn't take this as a done deal.

My view is that this legislation is truly unprecedented, but the final version will almost certainly undergo significant fine-tuning in details. The U.S. is trying to balance maintaining innovation competitiveness with financial stability, which is inherently a long-term game. For investors, rather than speculating on regulatory concepts, it’s more important to focus on projects with genuine compliance, real use cases, and long-term value. Regulatory clarity is a good thing, but it doesn't benefit all tokens equally.

XRP0,41%

SOL2,13%

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WinterWarmthCat

· 8h ago

Don't rush to get on board yet, there are 75-130 amendments waiting, and this bill could be drastically changed beyond recognition. Banning interest on stablecoins is a brilliant move, protecting retail investors while not killing DeFi. Politicians are playing their cards very cleverly. XRP is surging so fiercely now, but once the bill is revised, it might turn into a complete mess. Instead of blindly following the trend of regulatory hype, it's better to see which projects are truly solid. That’s the real long-term viability. This time is indeed unprecedented, but the final implementation will definitely be a patchwork version. Don’t take it as a done deal. Details are the killer. The US trying to balance innovation and stability is destined to be an endless tug-of-war. All coins can benefit? Don’t be ridiculous. Only those with real use cases can survive in the end. The CFTC taking over the spot market is a tangible progress, at least the direction is correct. There will be another meeting on January 16. I bet five bucks that this schedule will be pushed back again. Clear regulation is a good thing, no doubt, but don’t be blinded by the market’s excitement.

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FlashLoanLord

· 8h ago

Don't get carried away by this wave of regulatory good news. The 75 amendments are still waiting, and until January 16th, there will be ongoing disagreements. To put it simply, nothing has been finalized yet.

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LiquidationWatcher

· 8h ago

Another round of "Regulatory Clarity" buzz... Let's wait until it actually materializes. We've seen this show many times. It's about time to wake up. XRP might be hot today and cold tomorrow. So many amendments? What does that mean? It means they're still arguing, still dragging on. Banning interest on stablecoins? Ha, these people are really good at wordplay. Ordinary people will just be the chives again. Instead of fixating on the bills, it's better to check if the coins in your hands are still worth anything. That's the real key.

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fren.eth

· 8h ago

130 amendments? Haha, this is the real Washington. Don't be fooled by Lummis; it's hard to say what percentage of this bill will actually remain in the end.

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MevShadowranger

· 8h ago

Wait, 75-130 amendments? That's really scary. On the surface, everyone is cheering, but behind the scenes, it's already chaos. Don't be fooled by Lummis's tweet; the real tug-of-war has just begun. Speaking of XRP being able to launch an ETF, I think it's doubtful. Clear regulation ≠ all coins will rise; too many people have this logic backwards. Instead of guessing what will happen to this bill on January 16, it's better to see which projects are truly prepared for compliance. Most of them are not, honestly. DeFi will definitely be repeatedly exploited; the regulators' intentions have long been clear—they want to kill you without seeming too ruthless. Micro-adjustments in details can change the entire game; how many people will be buried in this pit this year? Stop hyping regulatory concepts; really, many people won't make this money. Focus on fundamentals—only projects that can be genuinely useful will be the last ones laughing.

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