{"id":199579,"date":"2026-03-11T17:00:47","date_gmt":"2026-03-11T14:00:47","guid":{"rendered":"https:\/\/coinmuhendisi.com\/blog\/?p=199579"},"modified":"2026-03-11T14:42:56","modified_gmt":"2026-03-11T11:42:56","slug":"senator-kripto-yasasi-tasarisini-degerlendirdi-onay-ne-zaman","status":"publish","type":"post","link":"https:\/\/coinmuhendisi.com\/blog\/senator-kripto-yasasi-tasarisini-degerlendirdi-onay-ne-zaman\/","title":{"rendered":"Senat\u00f6r Kripto Yasas\u0131 Tasar\u0131s\u0131n\u0131 De\u011ferlendirdi! Onay Ne Zaman?"},"content":{"rendered":"

ABD<\/a>\u2019de kripto para<\/strong> piyasas\u0131n\u0131 d\u00fczenlemeye y\u00f6nelik \u00e7al\u0131\u015fmalar devam ederken, Kongre\u2019deki baz\u0131 isimler yeni bir uzla\u015fma aray\u0131\u015f\u0131na girmi\u015f durumda. Senato Bankac\u0131l\u0131k Komitesi\u2019nde g\u00f6rev yapan Demokrat Senat\u00f6r Angela Alsobrooks, kripto piyasas\u0131na y\u00f6nelik kapsaml\u0131 bir d\u00fczenlemenin ilerleyebilmesi i\u00e7in hem kripto sekt\u00f6r\u00fc hem de bankac\u0131l\u0131k taraf\u0131n\u0131n belirli tavizler vermesi gerekebilece\u011fini ifade etti.<\/p>\n

Alsobrooks, Amerikan Bankac\u0131lar Birli\u011fi taraf\u0131ndan d\u00fczenlenen bir etkinlikte yapt\u0131\u011f\u0131 konu\u015fmada, Cumhuriyet\u00e7i Senat\u00f6r Thom Tillis ile birlikte kripto piyasa yap\u0131s\u0131n\u0131 d\u00fczenleyen yasa tasar\u0131s\u0131n\u0131 ilerletebilecek bir uzla\u015fma \u00fczerinde \u00e7al\u0131\u015ft\u0131klar\u0131n\u0131 s\u00f6yledi. Ancak bu s\u00fcrecin her iki taraf i\u00e7in de tam anlam\u0131yla ideal bir sonu\u00e7 \u00fcretmeyebilece\u011fini vurgulad\u0131.<\/p>\n

\u201cHerkes Biraz Memnuniyetsiz Kalabilir\u201d<\/h2>\n

Senat\u00f6r Alsobrooks\u2019a g\u00f6re d\u00fczenleme konusunda ilerleme kaydedebilmek i\u00e7in taraflar\u0131n \u201cm\u00fckemmel \u00e7\u00f6z\u00fcm\u201d aray\u0131\u015f\u0131n\u0131 bir kenara b\u0131rakmas\u0131 gerekiyor. Ona g\u00f6re nihai d\u00fczenleme hayata ge\u00e7ti\u011finde hem kripto sekt\u00f6r\u00fc hem de bankac\u0131l\u0131k taraf\u0131 baz\u0131 noktalarda tam olarak istedi\u011fini elde edemeyebilir.<\/p>\n

Ancak Alsobrooks, tamamen d\u00fczenlenmemi\u015f bir ekosistemin de kabul edilebilir olmad\u0131\u011f\u0131n\u0131 belirtti. D\u00fczenleyici \u00e7er\u00e7evenin bulunmamas\u0131 durumunda finansal sistemde ciddi riskler ortaya \u00e7\u0131kabilece\u011fini ifade eden senat\u00f6r, \u00f6zellikle bankac\u0131l\u0131k sisteminden kripto varl\u0131klara y\u00f6nelen fon ak\u0131\u015flar\u0131n\u0131n kontrols\u00fcz \u015fekilde artmas\u0131n\u0131n finansal istikrar\u0131 etkileyebilece\u011fine dikkat \u00e7ekti.<\/p>\n

Stablecoin Faizleri Tart\u0131\u015fman\u0131n Merkezinde<\/h2>\n

ABD\u2019de kripto piyasas\u0131 d\u00fczenlemesini yava\u015flatan en \u00f6nemli ba\u015fl\u0131klardan biri ise stablecoin getirileri konusu oldu. Baz\u0131 kripto platformlar\u0131, kullan\u0131c\u0131lar\u0131 \u00e7ekmek i\u00e7in stablecoin varl\u0131klar\u0131na faiz veya getiri sunan programlar olu\u015fturuyor.<\/p>\n

Bankac\u0131l\u0131k sekt\u00f6r\u00fc ise bu uygulamalar\u0131n bankalardaki mevduatlar\u0131n kripto platformlar\u0131na kaymas\u0131na neden olabilece\u011fini savunuyor. Bu durumun finansal sistem a\u00e7\u0131s\u0131ndan risk olu\u015fturabilece\u011fini d\u00fc\u015f\u00fcnen bankac\u0131l\u0131k kurulu\u015flar\u0131, s\u00f6z konusu uygulamalar\u0131n yasaklanmas\u0131n\u0131 talep ediyor.<\/p>\n

Amerikan Bankac\u0131lar Birli\u011fi de Senato\u2019da g\u00f6r\u00fc\u015f\u00fclen kripto piyasa yap\u0131s\u0131 yasas\u0131na, stablecoin getirilerinin \u00fc\u00e7\u00fcnc\u00fc taraflar arac\u0131l\u0131\u011f\u0131yla sunulmas\u0131n\u0131 yasaklayan bir d\u00fczenleme eklenmesi i\u00e7in bask\u0131 yapan kurumlar aras\u0131nda yer al\u0131yor.<\/p>\n

\"\"<\/p>\n

GENIUS Yasas\u0131 ve Tart\u0131\u015fmal\u0131 Bo\u015fluk<\/h2>\n

Bankac\u0131l\u0131k sekt\u00f6r\u00fcne g\u00f6re mevcut d\u00fczenleme giri\u015fimleri, stablecoin ihra\u00e7\u00e7\u0131lar\u0131n\u0131n do\u011frudan getiri sunmas\u0131n\u0131 s\u0131n\u0131rlasa da \u00fc\u00e7\u00fcnc\u00fc taraf platformlar arac\u0131l\u0131\u011f\u0131yla sunulan getiriler konusunda a\u00e7\u0131k bir bo\u015fluk b\u0131rak\u0131yor.<\/p>\n

Bu nedenle bankac\u0131l\u0131k gruplar\u0131, stablecoin getirilerinin tamamen yasaklanmas\u0131n\u0131n s\u00f6z konusu d\u00fczenleme bo\u015flu\u011funu ortadan kald\u0131raca\u011f\u0131n\u0131 savunuyor.<\/p>\n

Kripto sekt\u00f6r\u00fc ise bu \u00f6neriye kar\u015f\u0131 \u00e7\u0131k\u0131yor. Kripto platformlar\u0131, stablecoin getirilerinin kullan\u0131c\u0131 \u00e7ekmek ve rekabet\u00e7i hizmetler sunmak a\u00e7\u0131s\u0131ndan \u00f6nemli oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyor.<\/p>\n

Bu anla\u015fmazl\u0131k, ABD\u2019de kripto piyasas\u0131n\u0131n nas\u0131l d\u00fczenlenece\u011fini belirleyecek yasa tasar\u0131s\u0131n\u0131n ilerlemesini zorla\u015ft\u0131ran ba\u015fl\u0131ca fakt\u00f6rlerden biri olarak g\u00f6r\u00fcl\u00fcyor.<\/p>\n

Banka Benzeri \u00dcr\u00fcnlere Banka Standartlar\u0131<\/h2>\n

Alsobrooks, stablecoin getirileri konusunun kripto d\u00fczenlemelerinde mutlaka ele al\u0131nmas\u0131 gerekti\u011fini belirtiyor. Senat\u00f6re g\u00f6re finansal sistemde banka benzeri hizmetler sunan \u00fcr\u00fcnlerin benzer koruma standartlar\u0131na tabi olmas\u0131 gerekiyor.<\/p>\n

Bu yakla\u015f\u0131m, tasarruf hesab\u0131 benzeri \u00fcr\u00fcnler sunan kripto platformlar\u0131n\u0131n bankac\u0131l\u0131k sekt\u00f6r\u00fcne benzer d\u00fczenleyici kurallara tabi tutulabilece\u011fi anlam\u0131na geliyor.<\/p>\n

Alsobrooks\u2019un bu konudaki yakla\u015f\u0131m\u0131 olduk\u00e7a net: E\u011fer bir finansal \u00fcr\u00fcn bankac\u0131l\u0131k \u00fcr\u00fcn\u00fcne benziyorsa, benzer g\u00fcvenlik ve t\u00fcketici koruma standartlar\u0131n\u0131n uygulanmas\u0131 gerekiyor.<\/p>\n

Kamuoyu Stablecoin Getirilerine S\u0131n\u0131rlama Getirilmesini Destekliyor<\/h2>\n

Bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn payla\u015ft\u0131\u011f\u0131 bir kamuoyu ara\u015ft\u0131rmas\u0131 da bu tart\u0131\u015fmaya yeni bir boyut ekledi. Morning Consult taraf\u0131ndan ger\u00e7ekle\u015ftirilen ve 4.456 yeti\u015fkinin kat\u0131ld\u0131\u011f\u0131 ankete g\u00f6re, kat\u0131l\u0131mc\u0131lar\u0131n \u00f6nemli bir b\u00f6l\u00fcm\u00fc bankac\u0131l\u0131k sisteminin risk alt\u0131na girmesi durumunda stablecoin getirilerinin yasaklanmas\u0131n\u0131 destekliyor.<\/p>\n

Ara\u015ft\u0131rma sonu\u00e7lar\u0131na g\u00f6re:<\/p>\n