加拿大公布稳定币监管规则草案：发行方须在央行登记、备足1比1储备、三日内按面值赎回
加拿大首都渥太华，加拿大财政部10月24日在《加拿大宪报》第一部分（第160卷第43期）公布拟议的稳定币监管法规，就今年3月已获御准的《稳定币法》提出具体执行规则。公众可在12月23日之前向财政部提交意见。
按草案，稳定币发行方必须先向加拿大银行（央行）登记，才能在加拿大发行与法定货币挂钩的稳定币。发行方须按至少1比1的比例，持有与所参照法定货币相同的储备资产，确保每一枚流通中的稳定币都有等值资产支持。
赎回规则方面，持有人有权按面值向发行方赎回稳定币，发行方须在三个工作日内完成赎回，不设最低赎回金额，赎回收费不得超过赎回金额的1%。草案同时禁止发行方向持有人支付任何名目的收益或利息。
财政部表示，这套联邦框架意在让加拿大人能够信任所持有的稳定币，在保护使用者的同时支持负责任的创新。框架预计于2027年秋季生效。
Canada Publishes Draft Stablecoin Regulations: Issuers Must Register With the Bank of Canada, Hold 1:1 Reserves and Redeem at Par Within Three Business Days
Ottawa, Canada's capital. On October 24, the Department of Finance Canada published proposed stablecoin regulations in Part I of the Canada Gazette (Vol. 160, No. 43), setting out detailed rules under the Stablecoin Act, which received royal assent in March of this year. Members of the public may submit comments to the department until December 23.
Under the draft rules, stablecoin issuers would have to register with the Bank of Canada before issuing fiat-referenced stablecoins in Canada. Issuers would be required to hold reserve assets in the same fiat currency, at a ratio of at least 1:1, so that every stablecoin in circulation is backed by assets of equal value.
On redemption, holders would have the right to redeem stablecoins at par value, and issuers would have to complete redemption within three business days, with no minimum redemption amount and fees capped at 1% of the amount redeemed. The draft also prohibits issuers from paying holders any form of yield or interest.
The department said the federal framework is intended to ensure Canadians can trust the stablecoins they hold, protecting users while supporting responsible innovation. The framework is expected to take effect in fall 2027.
来源：加拿大财政部
发布：GSM·美国（发布链接）
图片来源：图：加拿大银行（央行）总部大楼，位于渥太华。shankar s. 摄，CC BY 2.0，取自 Wikimedia Commons。 / Photo: The Bank of Canada head office in Ottawa. By shankar s., CC BY 2.0, via Wikimedia Commons.
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