{"id":18802,"date":"2026-04-21T17:14:11","date_gmt":"2026-04-21T17:14:11","guid":{"rendered":"https:\/\/cryptozen.asia\/vn\/dao-luat-pace-ket-noi-truc-tiep-cac-fintech-voi-he-thong-cua-fed\/"},"modified":"2026-04-21T17:14:11","modified_gmt":"2026-04-21T17:14:11","slug":"dao-luat-pace-ket-noi-truc-tiep-cac-fintech-voi-he-thong-cua-fed","status":"publish","type":"post","link":"https:\/\/cryptozen.asia\/vn\/dao-luat-pace-ket-noi-truc-tiep-cac-fintech-voi-he-thong-cua-fed\/","title":{"rendered":"\u0110\u1ea1o lu\u1eadt PACE: K\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp c\u00e1c fintech v\u1edbi h\u1ec7 th\u1ed1ng c\u1ee7a Fed"},"content":{"rendered":"<h2>\u0110\u1ea1o lu\u1eadt PACE: C\u1ea3i c\u00e1ch H\u1ec7 th\u1ed1ng Thanh to\u00e1n Hoa K\u1ef3<\/h2>\n<p>M\u1ed9t d\u1ef1 lu\u1eadt m\u1edbi mang t\u00ean <strong>\u0110\u1ea1o lu\u1eadt PACE<\/strong> \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t b\u1edfi m\u1ed9t ngh\u1ecb s\u0129 Hoa K\u1ef3, nh\u1eb1m cho ph\u00e9p c\u00e1c c\u00f4ng ty thanh to\u00e1n kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n truy c\u1eadp tr\u1ef1c ti\u1ebfp v\u00e0o h\u1ec7 th\u1ed1ng thanh to\u00e1n c\u1ee7a <strong>C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang (Fed)<\/strong>. M\u1ee5c ti\u00eau c\u1ee7a \u0111\u1ea1o lu\u1eadt n\u00e0y l\u00e0 <strong>hi\u1ec7n \u0111\u1ea1i h\u00f3a h\u1ec7 th\u1ed1ng thanh to\u00e1n<\/strong> c\u1ee7a Hoa K\u1ef3, \u0111\u1ed3ng th\u1eddi gi\u1ea3m ph\u00ed v\u00e0 th\u1eddi gian ch\u1edd cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 doanh nghi\u1ec7p.<\/p>\n<p>Theo c\u00e1c b\u00e1o c\u00e1o th\u1ecb tr\u01b0\u1eddng, \u0111\u1ec1 xu\u1ea5t n\u00e0y s\u1ebd cho ph\u00e9p c\u00e1c nh\u00e0 cung c\u1ea5p kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng nh\u01b0 <strong>Fedwire<\/strong>, <strong>FedACH<\/strong> v\u00e0 <strong>FedNow<\/strong>. \u0110i\u1ec1u n\u00e0y s\u1ebd gi\u00fap gi\u1ea3m thi\u1ec3u th\u1eddi gian thanh to\u00e1n, h\u1ea1 th\u1ea5p ph\u00ed giao d\u1ecbch v\u00e0 t\u0103ng t\u1ed1c \u0111\u1ed9 chuy\u1ec3n ti\u1ec1n. Ph\u1ea3n \u1ee9ng ban \u0111\u1ea7u t\u1eeb c\u00e1c nh\u00f3m ng\u00e0nh <strong>fintech<\/strong> v\u00e0 <strong>cryptocurrency<\/strong> l\u00e0 t\u00edch c\u1ef1c; h\u1ecd xem lu\u1eadt n\u00e0y nh\u01b0 m\u1ed9t c\u01a1 h\u1ed9i \u0111\u1ec3 l\u00e0m cho h\u1ec7 th\u1ed1ng thanh to\u00e1n c\u1ee7a Hoa K\u1ef3 tr\u1edf n\u00ean nhanh h\u01a1n, r\u1ebb h\u01a1n v\u00e0 c\u1ea1nh tranh h\u01a1n so v\u1edbi c\u00e1c l\u1ef1a ch\u1ecdn t\u1eeb khu v\u1ef1c t\u01b0 nh\u00e2n v\u00e0 c\u00e1c khu v\u1ef1c ph\u00e1p l\u00fd kh\u00e1c \u0111ang th\u1eed nghi\u1ec7m v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n th\u1eddi gian th\u1ef1c.<\/p>\n<h2>Nh\u00e0 cung c\u1ea5p \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd v\u00e0 Gi\u00e1m s\u00e1t Li\u00ean bang<\/h2>\n<p>M\u1ed9t ph\u00e2n t\u00edch tr\u00ean LinkedIn v\u1ec1 khung d\u1ef1 th\u1ea3o cho bi\u1ebft \u0110\u1ea1o lu\u1eadt PACE s\u1ebd t\u1ea1o ra m\u1ed9t lo\u1ea1i h\u00ecnh m\u1edbi mang t\u00ean <strong>\u201cNh\u00e0 cung c\u1ea5p \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd,\u201d<\/strong> \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t b\u1edfi <strong>V\u0103n ph\u00f2ng Ki\u1ec3m so\u00e1t Ti\u1ec1n t\u1ec7<\/strong>. \u0110i\u1ec1u n\u00e0y s\u1ebd cho ph\u00e9p c\u00e1c c\u00f4ng ty \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u00f3 quy\u1ec1n h\u1ee3p ph\u00e1p \u0111\u1ec3 xin t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a Fed m\u00e0 kh\u00f4ng c\u1ea7n c\u00f3 gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng \u0111\u1ea7y \u0111\u1ee7.<\/p>\n<p>\u0110\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, c\u00e1c c\u00f4ng ty th\u01b0\u1eddng c\u1ea7n c\u00f3 h\u01a1n <strong>40 gi\u1ea5y ph\u00e9p chuy\u1ec3n ti\u1ec1n<\/strong> c\u1ee7a ti\u1ec3u bang ho\u1eb7c m\u1ed9t gi\u1ea5y ph\u00e9p g\u1eedi ti\u1ec1n c\u1ee7a ti\u1ec3u bang, m\u1ed9t ng\u01b0\u1ee1ng \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 thu h\u00fat c\u00e1c nh\u00e0 x\u1eed l\u00fd thanh to\u00e1n l\u1edbn, c\u00e1c n\u1ec1n t\u1ea3ng chuy\u1ec3n ti\u1ec1n v\u00e0 c\u00e1c trung gian crypto l\u1edbn \u0111\u00e3 ho\u1ea1t \u0111\u1ed9ng \u1edf quy m\u00f4 qu\u1ed1c gia. Ph\u00e2n t\u00edch t\u01b0\u01a1ng t\u1ef1 c\u0169ng cho th\u1ea5y d\u1ef1 lu\u1eadt s\u1ebd hi\u1ec7u qu\u1ea3 \u201c<strong>c\u1ea5p h\u1ed9 chi\u1ebfu<\/strong>\u201d cho c\u00e1c c\u00f4ng ty n\u00e0y tr\u00ean t\u1ea5t c\u1ea3 50 ti\u1ec3u bang, r\u00fat ng\u1eafn quy tr\u00ecnh c\u1ea5p ph\u00e9p t\u1ed1n k\u00e9m v\u00e0 ph\u00e2n m\u1ea3nh hi\u1ec7n nay, thay th\u1ebf n\u00f3 b\u1eb1ng s\u1ef1 gi\u00e1m s\u00e1t li\u00ean bang th\u1ed1ng nh\u1ea5t c\u00f9ng v\u1edbi c\u00e1c quy t\u1eafc d\u1ef1 tr\u1eef nghi\u00eam ng\u1eb7t.<\/p>\n<h2>Quy \u0111\u1ecbnh v\u1ec1 D\u1ef1 tr\u1eef v\u00e0 B\u1ea3o v\u1ec7 Kh\u00e1ch h\u00e0ng<\/h2>\n<p>C\u00e1c quy \u0111\u1ecbnh v\u1ec1 d\u1ef1 tr\u1eef \u0111\u00f3 ph\u1ea3n \u00e1nh c\u00e1c y\u1ebfu t\u1ed1 c\u1ee7a <strong>\u0110\u1ea1o lu\u1eadt GENIUS<\/strong> m\u1edbi \u0111\u01b0\u1ee3c th\u00f4ng qua, y\u00eau c\u1ea7u c\u00f3 s\u1ef1 b\u1ea3o \u0111\u1ea3m <strong>1:1<\/strong> b\u1eb1ng ti\u1ec1n m\u1eb7t, ti\u1ec1n g\u1eedi c\u1ee7a C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang, tr\u00e1i phi\u1ebfu Kho b\u1ea1c Hoa K\u1ef3 ho\u1eb7c c\u00e1c t\u01b0\u01a1ng \u0111\u01b0\u01a1ng \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a. \u0110\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t \u0111\u1ed9ng th\u00e1i nh\u1eb1m b\u1ea3o v\u1ec7 qu\u1ef9 c\u1ee7a kh\u00e1ch h\u00e0ng trong khi cho ph\u00e9p c\u00e1c c\u00f4ng ty kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng truy c\u1eadp v\u00e0o ti\u1ec1n c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng.<\/p>\n<blockquote>\n<p>Trong m\u1ed9t ghi ch\u00fa \u0111\u01b0\u1ee3c Politico tr\u00edch d\u1eabn, m\u1ed9t ng\u01b0\u1eddi \u1ee7ng h\u1ed9 l\u1eadp lu\u1eadn r\u1eb1ng \u201c<em>ch\u00fang ta c\u00f3 th\u1ec3 gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng ph\u00ed ng\u00e2n h\u00e0ng m\u00e0 qu\u00e1 nhi\u1ec1u gia \u0111\u00ecnh M\u1ef9 ph\u1ea3i g\u00e1nh ch\u1ecbu b\u1eb1ng c\u00e1ch cho ph\u00e9p truy c\u1eadp r\u1ed9ng r\u00e3i h\u01a1n v\u00e0o c\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n s\u00e1ng t\u1ea1o, cung c\u1ea5p d\u1ecbch v\u1ee5 r\u1ebb h\u01a1n, nhanh h\u01a1n v\u00e0 \u0111\u00e1ng tin c\u1eady h\u01a1n.<\/em>\u201d<\/p>\n<\/blockquote>\n<p>\u0110i\u1ec1u n\u00e0y \u0111\u1ecbnh h\u00ecnh \u0110\u1ea1o lu\u1eadt PACE nh\u01b0 m\u1ed9t c\u1ea3i c\u00e1ch t\u1eadp trung v\u00e0o ng\u01b0\u1eddi ti\u00eau d\u00f9ng, thay v\u00ec ch\u1ec9 l\u00e0 m\u1ed9t m\u00f3n qu\u00e0 cho fintech. N\u1ebfu \u0111\u01b0\u1ee3c th\u00f4ng qua, d\u1ef1 lu\u1eadt s\u1ebd n\u1eb1m c\u1ea1nh khung stablecoin c\u1ee7a GENIUS v\u00e0 c\u00e1c \u0111\u1ed9ng th\u00e1i g\u1ea7n \u0111\u00e2y c\u1ee7a SEC v\u1ec1 k\u1ebf to\u00e1n t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1, nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a vi\u1ec7c t\u00e1i c\u1ea5u tr\u00fac r\u1ed9ng h\u01a1n h\u1ec7 th\u1ed1ng th\u1ecb tr\u01b0\u1eddng c\u1ee7a Hoa K\u1ef3. \u0110i\u1ec1u n\u00e0y c\u00f3 kh\u1ea3 n\u0103ng cho ph\u00e9p c\u00e1c c\u00f4ng ty crypto v\u00e0 thanh to\u00e1n l\u1edbn chuy\u1ec3n \u0111\u00f4 la qua h\u1ec7 th\u1ed1ng c\u1ee7a Fed, thay v\u00ec ch\u1ec9 d\u1ef1a v\u00e0o c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ea1i l\u00fd.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0110\u1ea1o lu\u1eadt PACE: C\u1ea3i c\u00e1ch H\u1ec7 th\u1ed1ng Thanh to\u00e1n Hoa K\u1ef3 M\u1ed9t d\u1ef1 lu\u1eadt m\u1edbi mang t\u00ean \u0110\u1ea1o lu\u1eadt PACE \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t b\u1edfi m\u1ed9t ngh\u1ecb s\u0129 Hoa K\u1ef3, nh\u1eb1m cho ph\u00e9p c\u00e1c c\u00f4ng ty thanh to\u00e1n kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n truy c\u1eadp tr\u1ef1c ti\u1ebfp &#8230;<\/p>\n","protected":false},"author":3,"featured_media":18801,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[4790,11620,11621,4332,4217,9643,5092,10298,4348,4569,4204],"class_list":["post-18802","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal","tag-federal-reserve","tag-fednow","tag-fedwire","tag-genius-act","tag-legal","tag-linkedin","tag-office-of-the-comptroller-of-the-currency","tag-politico","tag-sec","tag-u-s-treasury","tag-usa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0110\u1ea1o lu\u1eadt PACE: K\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp c\u00e1c fintech v\u1edbi h\u1ec7 th\u1ed1ng c\u1ee7a Fed - CryptoZen<\/title>\n<meta name=\"description\" content=\"\u0110\u1ea1o lu\u1eadt PACE nh\u1eb1m cho ph\u00e9p c\u00e1c c\u00f4ng ty thanh to\u00e1n kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng truy c\u1eadp tr\u1ef1c ti\u1ebfp v\u00e0o h\u1ec7 th\u1ed1ng thanh to\u00e1n c\u1ee7a C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang, gi\u1ea3m ph\u00ed v\u00e0 th\u1eddi gian ch\u1edd trong h\u1ec7 th\u1ed1ng thanh to\u00e1n c\u1ee7a Hoa K\u1ef3.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cryptozen.asia\/vn\/dao-luat-pace-ket-noi-truc-tiep-cac-fintech-voi-he-thong-cua-fed\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0110\u1ea1o lu\u1eadt PACE: K\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp 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