快速扫了一遍，感觉拜登可能来中央党校上了个暑期培训。
总的来讲，没有新命令或新法律，但表达了拜登政府的态度：“各部门切实承担起自身职责，全面负责任发展数字资产，保护消费者投资者利益，加强我国在数字资产、普惠金融、即时支付等领域的国际领导力“
1）在美国开exchange合规成本可能进一步上升，爹更多了。对trad fi进入是个好消息，毕竟养了一大堆合规伺候这几个爹
2）海外的数字资产操作者，exchange、中心化钱包、理财等等，也需要提高合规水位，因为处理美国生意不可避免，而拜登继续推长臂管辖。
“aggressively pursue investigations and enforcement actions against unlawful practices in the digital assets space.”
The President will evaluate whether to call upon Congress to amend the Bank Secrecy Act (BSA), anti-tip-off statutes, and laws against unlicensed money transmitting to apply explicitly to digital asset service providers—including digital asset exchanges and non-fungible token (NFT) platforms. He will also consider urging Congress to raise the penalties for unlicensed money transmitting to match the penalties for similar crimes under other money-laundering statutes and to amend relevant federal statutes to let the Department of Justice prosecute digital asset crimes in any jurisdiction where a victim of those crimes is found.
嗯，CZ继续跑路吧
3）ICO可能要被SEC重点照顾，DAO、GameFi（原理上也要发币）的监控还不明确或者我没看懂
综上三，估计短期对整个市场是一盆凉水
4）AML：花了很多篇幅，但感觉实质内容不多。关注财政部两个动作（老太太之前对加密货币态度一般）：
Treasury will complete an illicit finance risk assessment on decentralized finance by the end of February 2023 and an assessment on non-fungible tokens by July 2023.（慢!）
Request for Comment published to the Federal Register for input on several items related to AML/CFT.
5）扩展美国治理： 要帮发展中国家搞数字资产基础设施 + 帮助美国先进公司扩张
The State Department, Treasury, USAID, and other agencies will explore further technical assistance to developing countries building out digital asset infrastructure and services. … may include technical assistance on legal and regulatory frameworks, evidence-gathering and knowledge-sharing …
The Department of Commerce will help cutting-edge U.S. financial technology and digital asset firms find a foothold in global markets for their products.
6）non-bank PSP 非银支付机构头上挂上靴子：
The President will also consider agency recommendations to create a federal framework to regulate nonbank payment providers.
7）美元即时支付与清结算：推广 & 建设 & 继续加强 美元在岸和跨境即时支付系统
“Federal Reserve has planned the 2023 launch of FedNow—an instantaneous, 24/7 interbank clearing system … alongside The Clearinghouse’s Real Time Payments system”
“encourage the adoption of instant payment systems, like FedNow, by supporting the development and use of innovative technologies by payment providers to increase access to instant payments, and using instant payment systems for their own transactions ”
“Agencies will prioritize efforts to improve the efficiency of cross-border payments by working to align global payments practices, regulations, and supervision protocols, while exploring new multilateral platforms that integrate instant payment systems.”
歹势了，美国人要搞跨境支付网络啦～
8）美元CBDC一时半会出不来，也不是拜登眼下的优先级
… Recognizing the possibility of a U.S. CBDC, the Administration has developed Policy Objectives for a U.S. CBDC System,which reflect the federal government’s priorities for a potential U.S. CBDC …