据《Coindesk》报导，美国国会议员联合提出了一项新的法案，名为《电子货币和安全硬体法案》（简称 ECASH 法案），旨在推动由财政部发行数位美元，而非联准会。法案认定「电子美元」（electronic dollar）为法定货币，在功能上与实体美元相同，可在手机和银行卡上使用。
ECASH 法案是由Stephen Lynch、Jesús Chuy Garcia、Ayanna Pressley 和 Rashida Tlaib 等众议员联合提出，强调电子美元将是不记名的票据，保护交易过程中的隐私和匿名性，而电子美元系统将奠基于代币（token），而不是帐户，表示如果遗失了手机或银行卡片，等于丢了钱包里的钱。
威朗米特大学（Willamette University）助理教授 Rohan Grey 表示，这项法案旨在创建真正的数位美元，「我们提议拥有一种真正的类似现金的不记名票据，一种代币系统，既没有集中式帐本，也没有分布式帐本，因为它没有任何帐本。它使用安全的硬体与软体，由财政部发行。」
报导指出，这种形式的电子现金将支持点对点交易，并且鉴于其设置的性质，完全是匿名交易，因此「电子美元」与其他基于稳定币或其他去中心化分类账工具的数字美元提案不同。
区块链旨在跟踪每笔交易，任何交易都可以与发送者和接收者相关联，而电子美元的用户不会受到严格多监管限制，像是银行必须「了解你的客户」（know-your-customer）这规则。
提案议员表示，该系统可以为那些因最低余额要求而无法持有银行账户的人或因银行可能收取费用或冻结资金而不信任银行的人提供服务。
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