us

Một đề xuất tiết kiệm quốc gia mới nhằm cấp cho mọi đứa trẻ sinh ra ở Hoa Kỳ một tài khoản đầu tư khởi đầu trị giá 1.000 đô la, sẽ đáo hạn khi chúng đạt đến tuổi trưởng thành.
Đề Cương Chương Trình "Hạt Giống Của Nước Mỹ"
Theo khung chương trình mới được công bố, từ năm 2025 đến năm 2028, mọi trẻ sơ sinh sẽ nhận được một khoản đóng góp một lần trị giá 1.000 đô la vào một tài khoản tăng trưởng được chỉ định. Các quỹ sẽ được tự động đầu tư vào một danh mục đầu tư đa dạng theo dõi các chỉ số thị trường lớn của Hoa Kỳ, với quyền truy cập được cấp khi đạt 18 tuổi.
Các Mục Tiêu Được Nêu

The U.S. Senate is set to vote tomorrow at the committee level on a long-awaited crypto regulatory bill, marking one of the most important developments in digital asset policy in years.
🏛 What’s Being Voted On
Lawmakers in the Senate Agriculture Committee will review the Crypto Market Structure Bill — a legislative effort designed to lay down clearer rules for how digital assets are regulated in the United States. This includes defining which federal agencies oversee different parts of the crypto markets and how digital asset trading platforms should be regulated.
This vote follows extensive debate and work on related bills earlier in Congress, including the Financial Innovation and Technology for the 21st Century Act (FIT21), which aimed to clarify whether the SEC or the CFTC should regulate certain digital assets, and the bipartisan GENIUS Act, which established a federal framework for stablecoins.
📌 Why This Vote Matters
If approved at the committee level, the bill could move forward to a full Senate vote — a key step toward establishing nationwide rules for crypto trading, exchange oversight, digital commodity classification, and investor protections. These rules are expected to replace much of the current “regulation by enforcement” approach, where agencies interpret existing laws on a case-by-case basis.
A central part of the debate has been how to split oversight between the SEC (securities regulator) and the CFTC (commodities regulator), especially for tokens that fall between traditional securities and commodities. The proposal being voted on looks to expand the CFTC’s role over spot digital commodity markets — a move industry advocates say could reduce regulatory uncertainty.
🧠 What’s Still Unresolved
Key sticking points include how to handle stablecoin yield features, DeFi products, and how far SEC authority should extend. Banks and traditional financial institutions have raised concerns about stablecoins offering interest or reward-like features, saying this could pull deposits from the banking system. Crypto firms counter that reasonable yield mechanisms benefit users and encourage market growth.
There has also been industry pushback, for example from major exchanges like Coinbase, which have objected to certain provisions in earlier drafts. These disagreements briefly delayed votes in some Senate committees, highlighting the complexity of forging bipartisan legislative consensual.
🏁 What Comes Next
If the vote tomorrow goes in favor of the bill, it could advance toward a full Senate vote in early 2026 and eventually to the House for final passage. Successful passage would be a milestone in U.S. crypto regulation — giving markets clearer rules on custody, exchange oversight, and the roles of the SEC and CFTC.
For traders and investors, this regulatory clarity could reduce uncertainty and potentially lead to greater institutional participation, although details still matter and could shape how specific assets are treated under U.S. law.
#us $RIVER $BIRB