欧洲央行认为，使用数字欧元而非区块链进行有条件支付具有“巨大潜力”

VanEck 将于 5 月 14 日推出其新的交易所交易基金，股票代码为 NODE，扩大其加密相关投资产品阵容。 VanEck 的数字资产主管 Matthew Sigel 在 4 月 16 日的 X 帖子中宣布，美国证券交易委员会已批准其即将推出的 ETF NODE。该公司计划于 5 月 14 日推出该 ETF，为塑造数字资产和区块链经济的公司提供股权投资。 🚨现已生效：VanEck 链上经济 ETF ($NODE)$NODE 采取主动管理方式，目标是从 130 多个与数字资产经济相关的股票中持有 30 至 60 个股票：>交易所、矿工、数据中心>能源基础设施、半成品/硬件、TradFi 铁路>消费者/游戏和资产管理者……https://t.co/zokQwHKpGY pic.twitter.com/3ijf5rEQB2— matthew sigel，正在恢复CFA资格（@matthew_sigel）2025年4月16日 NODE 被称为“链上经济 ETF”，其定位是为投资者搭建一座桥梁，让他们无需直接持有加密货币即可进入日益增长的数字资产经济。它将为构建区块链基础设施的上市公司提供多元化的投资机会。 您可能还喜欢：VanEck 推出新投资产品押注 Celestia 该主动管理型ETF将从130多家上市公司中遴选出30至60家纳入。这些公司业务涵盖与加密基础设施相关的广泛行业，例如资产管理公司、数据中心、交易所、比特币矿工和硬件制造商。 该基金还可能将其持仓比例最多 25% 配置为与加密货币挂钩的交易所交易产品 (ETF)。该 ETF 将收取 0.69% 的管理费，且不会直接投资加密货币。 相反，它的目标是“数字化转型公司”，美国证券交易委员会的文件中将其描述为通过区块链、加密货币或分布式账本技术创造收入的公司。它还包括外国证券、中型股和与商品挂钩的工具。 为了增加投资敞口，NODE 将通过其位于开曼群岛的子公司进行投资，该子公司允许其间接投资商品期货、掉期交易和其他投资工具，同时遵守美国税收法规。该基金将不包括稳定币，并将对该子公司的投资限制在其每季度总资产的 25% 以内。 VanEck 旨在通过此次发行继续扩大其加密货币 ETF 的选择范围。该公司已申请其他专注于加密货币的 ETF，例如追踪 Avalanche (AVAX) 和币安币 (BNB) 的 ETF。其现货比特币 (BTC) ETF HODL 目前管理着超过 12 亿美元的资产。 阅读更多：3iQ 和 Figment 将推出北美首个 Solana 权益 ETF

GENIUS 法案是否会将稳定币推向主流金融，或者 Tether 将难以在新的美国监管框架下满足透明度和准备金要求？ 目录稳定币有了规则手册解密法案沃伦的警告稳定币巨头的下一步是什么 稳定币有了规则手册 美国历史上首次，稳定币监管框架即将成为法律。 3月13日，参议院银行委员会推进了《指导和建立美国稳定币国家创新法案》，该法案旨在为联邦和州两级的稳定币发行者制定明确的规则。 该法案由参议员比尔·哈格蒂 (R-TN) 于 2 月 4 日提出，他认为该法案对于保持美国在全球金融领域的竞争力至关重要。随着其他国家对其支付系统进行现代化改造，哈格蒂明确表示，美国“不能落后”。 参议员辛西娅·卢米斯 (R-WY) 和克尔斯滕·吉利布兰德 (D-NY) 也支持该法案。委员会以 18 比 6 的两党投票通过了该法案。 It now moves to the full Senate for a floor vote. If approved, it will head to President Donald Trump’s desk for signing—potentially becoming the first stablecoin-specific regulatory framework in the U.S. But what exactly does this bill entail, and what does it mean for the future of stablecoins in the U.S.? Let’s dive in. 解密法案 《GENIUS 法案》引入了一种结构化的方法来监管美国稳定币。它制定了明确的规则： 谁可以发布它们 必须如何支持他们，以及 有哪些保障措施来保护消费者。 Instead of a one-size-fits-all approach, the bill differentiates between smaller and larger stablecoin issuers based on market capitalization. Issuers with less than $10 billion in market cap fall under state-level oversight, granting them more operational flexibility while still adhering to financial laws. Once an issuer surpasses the $10 billion threshold, it transitions to direct supervision by the Federal Reserve and the Office of the Comptroller of the Currency, the same regulators that oversee major banks. 分层监管模式确保可能影响更广泛金融体系的最大参与者面临更严格的审查，同时允许较小的发行人在国家管辖范围内获得发展空间。 该法案的另一个关键方面是强调透明度和储备支持。稳定币旨在维持固定价值，通常与美元挂钩，但要做到这一点，发行人需要证明他们确实持有他们声称的储备。 《GENIUS 法案》强制要求每月提交流动性报告，迫使发行人定期披露财务细节。此外，所有稳定币都必须以美元或高流动性资产一对一支持，确保流通中的每个代币都与真实可用的资产相对应。 该规定旨在消除过去争议中出现的不确定性，即稳定币发行人被怀疑缺乏足够的储备，导致市场不稳定。 法案还特别关注了赎回权和消费者保护。稳定币持有者必须能够按需将代币兑换成现金，而发行方有法律义务毫不拖延地满足这些要求。 为了加强问责制，美联储和美国货币监理署有权对未能履行这些义务的发行人暂停执照或施加处罚。 这些执行措施可以防止基金管理不善，并确保发行人能够满足消费者的需求，尤其是在市场波动期间。 该立法还更加关注反洗钱和了解客户合规性。 发行人将被要求遵守与传统银行相同的金融犯罪预防措施，确保稳定币不会轻易用于非法活动。 沃伦的警告 While the GENIUS Act provides a path forward, critics argue that it lacks essential safeguards. Democrats on the Senate Banking Committee attempted to introduce several amendments to tighten regulatory controls, but each was blocked along party lines. Senator Elizabeth Warren has been one of the bill’s most vocal opponents, warning that, in its current form, it could create significant risks for both the economy and national security. One of Warren’s primary concerns is the lack of consumer protections. She pointed out that stablecoin users may not receive the same fraud protection that applies to traditional financial products. 另一个主要问题是稳定币可能被滥用于非法融资。沃伦认为，该法案在阻止被判犯有金融罪行的个人拥有或经营稳定币公司方面做得还不够。 她表示，目前该法案的形式可能会让外国对手——伊朗、朝鲜和俄罗斯——更容易通过使用稳定币而不是传统金融渠道来逃避制裁。 沃伦引用一份行业报告，将稳定币称为“非法加密活动的新主谋”，并警告说，如果没有更强有力的执法机制，该法案可能会导致洗钱、恐怖主义融资，甚至网上销售非法商品。 公民公共利益研究等消费者权益保护组织也批评了这项法案，称其为一项不完整且具有潜在危险的立法。 公民公共利益研究组织金融政策倡导者巴特利特·内勒 (Bartlett Naylor) 在致委员会的一封信中警告说，如果该法案成为法律，可能会增加价格操纵、稳定币失灵以及使用加密货币进行非法融资的情况。 然而，并非所有人都将该法案视为威胁。一些行业领袖认为，GENIUS法案是朝着正确方向迈出的一步。 USDC（USDC）发行方 Circle 首席执行官杰里米·阿莱尔（Jeremy Allaire）称这是“朝着为稳定币提供监管清晰度迈出的一大步”，也是为数字时代实现美元现代化的一种方式。 今天华盛顿发生了重大变化。GENUIS 法案以 18 比 6 的强势投票在参议院银行委员会获得通过。这是向稳定币提供监管透明度迈出的一大步，也是向升级和提高美元竞争力迈出的一大步。— Jeremy Allaire – jda.eth / jdallaire.sol (@jerallaire) March 13, 2025 What’s next for stablecoin giants If the GENIUS Act passes through the House and reaches President Trump’s desk, stablecoin issuers will face a completely new regulatory environment in the U.S. 该法案的一项关键条款要求外国发行的稳定币必须满足与美国稳定币相同的标准，包括遵守储备规定、反洗钱法规和制裁检查，这实际上为所有发行人提供了公平的竞争环境。 对于美国的稳定币，如 USDC 和 Ripple USD (RLUSD)（由 Ripple (XRP) 发行）来说，这不会是一个重大变化，因为这些公司已经遵守美国金融合规标准。 另一方面，对于全球最大的稳定币发行者Tether（USDT）来说，情况更加复杂。 总部位于萨尔瓦多的 Tether 传统上以多种资产支持其稳定币 USDT，包括美国国库券、公司票据和比特币 (BTC)。 然而，摩根大通最近的一份报告引发了人们的担忧，即 Tether 的部分储备，特别是其比特币持有量，可能无法满足该法案中概述的严格储备要求。 If the law passes, Tether may be forced to liquidate part of its Bitcoin reserves to comply, which could put pressure on its ability to maintain a stable peg to the U.S. dollar. 该法案的另一个重要方面是其执行条款。它规定稳定币发行人必须有能力根据监管机构的合法命令冻结、阻止或销毁代币。 杰里米·霍根 (Jeremy Hogan) 等法律专家指出，这可能迫使发行人重新考虑其技术基础设施以满足这些需求。 我今晚只有时间浏览一下新提出的稳定币法案，即谦虚地称之为“天才法案”的法案。我需要帮助的几个想法和一个大问题：1. 正如评论中的许多人已经提到的那样，该法案的通过将导致美国 USTD 的消亡……https://t.co/VtWpbyZ7YG pic.twitter.com/v1XEMizD53— Jeremy Hogan (@attorneyjeremy1) March 11, 2025 Overall, if the bill passes, U.S. based stablecoins could see greater adoption and deeper integration with traditional banking systems, while foreign competitors struggle to keep up with U.S. regulations. In response to increasing regulatory pressure, Tether has recently appointed Simon McWilliams as its new Chief Financial Officer. The appointment aims to improve transparency and work toward a full audit. Tether has long promised a full audit, but critics have only seen quarterly attestations through BDO. Whether these efforts will satisfy U.S. regulators remains uncertain. 这是否是迈向稳定和合法性的一步，还是仅仅是政府控制的另一层，将取决于如何实施方式，以及谁最终从这些变化中受益。 阅读更多：代币化作为欧洲创始人的融资后门 | 观点

《富爸爸穷爸爸》的作者罗伯特清崎预计，随着特朗普的新关税政策生效，比特币和贵金属的价格可能会下跌。 清崎并不认为这会影响市场，而是计划将价格下跌视为买入机会。 清崎在最近的一条推文中指出，特朗普的关税可能是导致黄金、白银和比特币 (BTC) 价格下跌的催化剂。然而，他强调，真正的潜在担忧仍然是不断增加的债务负担，他认为债务负担只会加剧。 特朗普开始征收关税：黄金、白银、比特币可能会崩盘。很好。价格崩盘后会买更多。真正的问题是债务……只会变得更糟。崩盘意味着资产被出售。是时候变得更富有了。— Robert Kiyosaki (@theRealKiyosaki) 2025 年 1 月 31 日 Kiyosaki 看到了购买机会 作者将市场崩溃视为以折扣价购买资产的机会，并指出，“崩溃意味着资产正在出售。这是致富的时候了。” 这种观点与清崎长期以来的投资理念和他之前的市场预测一致。今年 1 月初，他警告称市场将出现“巨大崩盘”，同时仍看好另类资产。 他一直批评美联储、财政部和银行系统依赖印钞，认为这种做法有利于资产持有者，而损害了美元储蓄者的利益。 你可能还喜欢：埃隆·马斯克的父亲推出 Musk It 代币，引发 Solana 拥堵 清崎还讨论了他认为是比特币力量的关键的两个经济原则。他引用了格雷欣法则来解释系统中的“劣币”如何导致“良币”躲藏起来。 清崎认为，比特币与黄金和白银一起推动美元走向这一地位。此外，他还强调了梅特卡夫定律和网络的力量，将比特币日益增长的影响力与麦当劳等成功的商业模式进行了比较。 尽管预测比特币可能会崩盘，但 Kiyosaki 对比特币的长期前景仍持乐观态度。他认为市场低迷是积累资产的机会，而不是令人担忧的原因。这位金融作家的最新评论发表之际，市场正在消化特朗普新关税政策的影响及其对各种资产类别的潜在影响。 消息一出，加密货币确实承压。周六早上最后一次检查时，以下货币处于下跌趋势： 加密货币价格增益 +/-比特币（加密货币：BTC）102,240 美元0.3256美元-2％柴犬（加密货币：SHIB）0.0000187美元

由于整体加密货币市场仍然面临压力，流行的基于以太坊的 meme 币 Shiba Inu 已跌至关键支撑位。 柴犬（SHIB）价格周三反弹至 0.00001199 美元，此前交易价为 0.00001145 美元，为 2 月 27 日以来的最低水平，较今年最低水平上涨 65%。 此次崩盘是由于加密货币市场持续表现不佳，比特币（BTC）和大多数山寨币均出现回落。 SHIB 的基本面和技术指标均预示着未来几天将进一步下跌。一项关键指标是平均美元投资年限，该指标追踪的是每美元价值的 SHIB 在网络中处于休眠状态的平均时间。 下图显示，365天和90天的MDIA值近期大幅下降。90天的MDIA值从66降至46，而365天的MDIA值从205降至143。这表明代币的流动性正在增强，这是分散性增加的迹象。 您可能还喜欢：Solana 四月份阻力最小的价格路径为 80 美元 – Polymarket 补充数据显示，网络上的活跃地址数量也在下降，从去年 12 月的近 20,000 个下降到 3,350 个。 柴犬 MDIA 和活跃地址 | 来源：Santiment Additionally, the Shibarium network is not doing well as its total value locked in the network has dropped from $6.4 million in December to just $1.91, much lower than other newly launched chains like Sonic and Berachain. 柴犬价格技术分析 SHIB 价格走势图 | 来源：crypto.news 3日图显示，SHIB已从12月高点0.00003345美元跌至0.00001095美元，接近去年2月以来的最低水平，并已跌破50日和200日移动平均线，即将形成死亡交叉。 该代币还在 0.00003345 美元处形成了双顶形态，颈线位于 0.00001090 美元。双顶被认为是最看跌的技术形态之一。 因此，SHIB 可能会继续下跌，卖方瞄准 0.000010 美元的心理关口。跌破该水平将开启进一步下跌的大门，跌向 0.000005830 美元，这是自 2023 年 6 月以来的最低波动幅度。该价格比当前水平低约 45%。 You might also like:ETH/BTC 价格跌至 4 年低点，看跌模式预示未来将创下历史新低

Will upcoming announcements and a possible Binance listing make the Pi Network price prediction of a 300% return a reality? Table of ContentsPi Network is back in actionPi Network’s ecosystem updatesPi coin technical analysisPi Network price prediction Pi Network is back in action After months of relatively muted action, Pi Network (PI) is suddenly drawing fresh attention. As of May 12, PI is trading at $1.53, reflecting a 24-hour gain of nearly 60%. The price briefly touched $1.62 before pulling back slightly, but the overall trend remains upward. In just the past week, Pi has surged by more than 158%, rising from $0.59 on May 5 to its current level. That performance places it at the top of the leaderboard among the 100 largest cryptocurrencies by market cap. Looking at the monthly chart, the momentum appears even stronger. Pi has climbed by nearly 107% since Apr. 14, when it was priced at $0.73.  The latest breakout has lifted its market cap to $10.8 billion, making it the 13th most valuable crypto asset, ahead of established names such as Avalanche (AVAX). Trading activity suggests a sharp increase in demand, but the deeper question remains. Is the rally backed by meaningful fundamentals, driven purely by speculation, or somewhere in between? Let’s unpack this further, explore what’s really happening beneath the surface of Pi Network, and examine what analysts are projecting when it comes to Pi coin price prediction. Pi Network’s ecosystem updates Pi Network’s recent price movement is closely linked to ongoing developments within its ecosystem, which has seen several key updates since early 2025. A major turning point came on Feb. 20 with the launch of the Open Network. The update allowed Pi to operate beyond its previously closed environment, enabling external transactions and listings on exchanges such as OKX and Bitget.  The change introduced market-driven price discovery for the first time and expanded liquidity across platforms, directly influencing price dynamics in the months that followed. To promote adoption, Pi Network organized its first Open Network PiFest between Mar. 14 and Mar. 21. According to official updates, the event aimed to highlight early real-world use cases and encourage broader community engagement during the ecosystem’s early commercial phase.  No official confirmations of these use cases have been provided so far. Work on the mainnet launch has progressed in parallel. Based on earlier updates, Pi Network is aiming for 10 million user migrations under the Open Network framework, reinforcing its intention to expand access while maintaining user authentication standards. Beyond the technical rollout, the project has stated its ambition to support at least 100 decentralized applications. Several dApps are already live, although most remain in their early phases.  Developer activity continues to build slowly, with a focus on accessibility and mobile-first design to reach regions where conventional financial infrastructure remains underdeveloped. A major ecosystem update is scheduled for May 14. The announcement has already triggered increased trading interest, with a noticeable rise in wallet activity and PI accumulation on platforms such as BANXA, a fiat on-ramp provider. A Pi ecosystem announcement will be released on May 14. Tune in to find out what's coming next! pic.twitter.com/5jn7m5mlmD— Pi Network (@PiCoreTeam) May 7, 2025 The update coincides with the Consensus 2025 Summit, where Pi’s founder is expected to deliver a keynote, further elevating the network’s visibility within the broader crypto space. Speculation has also intensified around a possible Binance listing. Although no official announcement has been made, a recent community poll revealed that 86% of respondents support the listing, fueling additional momentum ahead of the scheduled update. Pi coin technical analysis From a technical standpoint, Pi Coin has gone through a full cycle of hype, correction, and renewed momentum within just a few months. After launching into a sharp rally in early 2025, the token briefly approached the $3 mark before reversing course. Pi Network price chart | Source: crypto.news The decline that followed resulted in a descending triangle pattern, marked by a series of lower highs pressing down against horizontal support between $0.60 and $0.65. Toward the end of April, the trend began to shift. Price action stabilized around $0.60, forming a potential bottom. That structure is often viewed as an early sign of accumulation, especially when supported by consistent and moderate trading volume. Confirmation arrived with a breakout above the $0.85 to $0.90 range, led by strong green candles and increasing volume. In the past 2 days, Pi has surged beyond the $1.50 mark. The move has been reinforced by momentum indicators, including the Relative Strength Index (RSI), which registered a reading of 87 as of this writing, well above the neutral 70 threshold. Although an RSI above 70 typically signals overbought conditions, in early-stage breakouts it can also indicate strong directional conviction rather than immediate reversal pressure. The next key resistance sits between $1.80 and $2.00. That zone previously acted as support before the earlier sell-off and now represents a critical area that may determine whether the rally continues into a broader uptrend. If buyers reclaim that level with volume confirmation, a retest of the previous high between $2.30 and $2.80 becomes technically plausible. On the downside, failure to maintain support above $1.50 could lead to a pullback toward the $1.00 to $1.10 range, where minor demand has begun to emerge during recent sessions. Pi Network price prediction Price forecasts for Pi Coin in 2025 reflect a wide range of expectations, shaped by the asset’s volatility, limited historical data, and the early stage of its ecosystem. Since Pi only recently became tradable on major exchanges, most projections are based on speculative modeling rather than long-term fundamentals. According to CoinCodex, short-term Pi coin price prediction points to continued upside potential. For May 2025, the platform projects a minimum price of $1.26, with an average of $2.58 and a high of $4.34. That range suggests a potential return of over 190% compared to early May levels. Pi coin predictions for June are even more optimistic, with estimated prices ranging from $3.95 to $6.04. If market conditions align with bullish expectations, the return could exceed 300%. DigitalCoinPrice offers a more measured, long-term outlook. For 2025, the platform places Pi’s average price around $3.00, with a potential high of $3.26. Future-year estimates show a gradual upward trajectory. The maximum projected price rises to $3.83 in 2026, $5.38 in 2027, and approximately $8.14 by 2030. Forecasts like these should be viewed with caution. Pi Network remains in a formative phase. These forecasts may offer directional guidance, but they are not guarantees. As with any early-stage digital asset, trade cautiously and never invest more than you can afford to lose. Disclosure: This article does not represent investment advice. The content and materials featured on this page are for educational purposes only.