#BTCvsETH 比特幣(BTC)和以太坊(ETH)是加密貨幣世界的兩大巨頭,各自擁有獨特的目的和理念。比特幣於2009年推出,旨在成爲一種去中心化的數字貨幣——一種類似於數字黃金的價值儲存和交換媒介。它專注於安全性和簡潔性,總供應量上限爲2100萬枚代幣。另一方面,以太坊於2015年問世時引入了智能合約和去中心化應用(dApps)。其區塊鏈更像是一個全球計算機,使開發者能夠構建複雜的金融與非金融系統。雖然比特幣主要用於財富的轉移和存儲,以太坊則推動了去中心化金融(DeFi)、NFT以及Web3創新的快速發展。以太坊向權益證明(Proof of Stake)的轉型使其比比特幣的工作量證明(Proof of Work)模型更加節能。簡而言之,BTC是加密貨幣的黃金標準,而ETH則是基於區塊鏈實用性的藍圖。兩者都在塑造未來方面發揮着變革性作用。
#StablecoinLaw The GENIUS Act, signed into law by President Donald Trump in July 2025, marks the United States' first federal framework for regulating stablecoins. Designed to bring clarity and legitimacy to the $260 billion stablecoin market, the law requires issuers to maintain 1:1 reserves in U.S. dollars or low-risk assets and publish monthly reserve reports. Only certified entities—such as insured banks or qualified nonbanks—can issue stablecoins, with foreign issuers needing U.S. reserves and registration. The law bans yield offerings and restricts rehypothecation of reserves. Oversight will be shared by the Treasury, Federal Reserve, and OCC, with states certifying smaller issuers. The GENIUS Act takes effect in January 2027 and is expected to boost demand for U.S. Treasuries while expanding access to digital dollar payments.