{"id":913,"date":"2026-03-12T13:31:08","date_gmt":"2026-03-12T06:31:08","guid":{"rendered":"https:\/\/new.blockped.id\/?p=913"},"modified":"2026-03-12T13:31:08","modified_gmt":"2026-03-12T06:31:08","slug":"ketua-fdic-sebut-stablecoin-tidak-akan-mendapat-perlindungan-asuransi-deposito-di-bawah-genius-act","status":"publish","type":"post","link":"https:\/\/new.blockped.id\/?p=913","title":{"rendered":"Ketua FDIC Sebut Stablecoin Tidak Akan Mendapat Perlindungan Asuransi Deposito di Bawah GENIUS Act"},"content":{"rendered":"

Ketua Federal Deposit Insurance Corporation<\/span><\/span> (FDIC), Travis Hill<\/span><\/span>, menyatakan bahwa undang-undang baru mengenai stablecoin di Amerika Serikat tidak memberikan kewenangan kepada FDIC untuk menjamin simpanan terkait stablecoin.<\/p>\n

Dalam pidato yang disiapkan untuk acara American Bankers Association<\/span><\/span> (ABA) Washington Summit, Hill menjelaskan bahwa di bawah aturan dalam GENIUS Act<\/strong>, pemerintah tidak akan memberikan jaminan deposito untuk stablecoin setelah undang-undang tersebut sepenuhnya diberlakukan.<\/p>\n

Selain itu, penerbit stablecoin juga tidak diperbolehkan mengklaim bahwa aset digital mereka dilindungi oleh FDIC. Rencana regulasi yang diusulkan bahkan akan melarang mekanisme yang dikenal sebagai pass-through insurance<\/em> yang dilakukan oleh pihak ketiga.<\/p>\n

Hill menjelaskan bahwa jika sistem pembayaran stablecoin memenuhi syarat untuk pass-through insurance<\/em>, maka apabila bank yang menyimpan cadangan penerbit stablecoin mengalami kegagalan, FDIC seharusnya menjamin dana berdasarkan kepentingan para pemegang stablecoin. Namun dalam praktiknya, FDIC hanya akan memperlakukan rekening tersebut sebagai rekening korporasi biasa yang memiliki batas perlindungan maksimal sebesar 250.000 dolar.<\/p>\n

Undang-undang GENIUS Act<\/strong>, yang disahkan oleh Kongres dan ditandatangani menjadi hukum oleh Presiden AS Donald Trump<\/span><\/span> pada Juli lalu, menetapkan kerangka regulasi nasional untuk stablecoin pembayaran. Aturan ini akan berlaku penuh sekitar 18 bulan setelah penandatanganan, atau 120 hari setelah regulator seperti FDIC dan Departemen Keuangan menyelesaikan regulasi turunannya.<\/p>\n

Meskipun FDIC tidak akan memberikan perlindungan deposito kepada pemegang stablecoin, para penerbit tetap diwajibkan untuk memastikan bahwa stablecoin yang dipatok pada dolar sepenuhnya didukung oleh cadangan aset.<\/p>\n

Perdebatan tentang imbal hasil stablecoin masih berlanjut<\/h3>\n

Komentar Hill tidak menyinggung rancangan undang-undang lain mengenai struktur pasar aset digital yang saat ini sedang dibahas di Senat AS. Dalam pembahasan tersebut, regulator, pelaku industri kripto, dan sektor perbankan masih memperdebatkan berbagai isu seperti imbal hasil stablecoin, tokenisasi saham, serta standar etika di industri.<\/p>\n

Pada Januari lalu, American Bankers Association<\/span><\/span> menyatakan bahwa salah satu prioritas kebijakan mereka adalah mencegah stablecoin pembayaran menjadi pengganti deposito bank tradisional. Organisasi tersebut juga mendorong larangan pemberian bunga, imbal hasil, atau insentif terhadap stablecoin, terlepas dari platform yang digunakan.<\/p>\n

Sejauh tahun ini, The White House<\/span><\/span> telah mengadakan tiga pertemuan dengan para pemimpin industri untuk membahas arah kebijakan terkait regulasi tersebut. Namun hingga saat ini belum ada kepastian kapan rancangan undang-undang tersebut akan dilanjutkan ke tahap berikutnya.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ketua Federal Deposit Insurance Corporation (FDIC), Travis Hill, menyatakan bahwa undang-undang baru mengenai stablecoin di Amerika Serikat tidak memberikan kewenangan kepada FDIC untuk menjamin simpanan terkait stablecoin. Dalam pidato yang […]<\/p>\n","protected":false},"author":1,"featured_media":916,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-edukasi"],"yoast_head":"\ntablecoin Tidak Akan Mendapat Perlindungan Asuransi Deposito<\/title>\n<meta name=\"description\" content=\"Ketua FDIC Travis Hill menegaskan stablecoin tidak akan mendapat perlindungan deposito di bawah GENIUS Act\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/new.blockped.id\/?p=913\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"tablecoin Tidak Akan Mendapat Perlindungan Asuransi Deposito\" \/>\n<meta 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