On July 18, 2025, the GENIUS Act was officially enacted, a revolutionary law that completely changes the crypto landscape in the United States—and possibly the whole world.
This legal framework imposes strict 1:1 reserve requirements for stablecoins and creates a dual system of federal and state oversight, something never seen before in the crypto regulatory ecosystem.
🧩 What does the GENIUS Act establish?
✔️ Each issued stablecoin must be backed 100% by liquid and verifiable assets.
✔️ Regulated stablecoins are prohibited from offering interest, reducing banking risk.
✔️ Issuers can choose a federal or state license, under strict audits.
✔️ The use of stablecoins for payments, remittances, and settlements is officially recognized.
🏦 What does it mean for the ecosystem?
The law marks the beginning of a new era: crypto with clear rules, generating confidence for banks, companies, and governments to integrate into the world of digital finance.
💳 Giants like Amazon, Walmart, and Mastercard are already exploring their own stablecoins.
💰 Visa sees a key opportunity in emerging markets, where stablecoins could solve problems of inflation and financial exclusion.
🧠 For developers and startups, a secure door of innovation opens.
🔐 More security, more legitimacy
The GENIUS Act responds to the scandals of recent years (such as TerraUSD), but without stifling innovation. It seeks a balance between regulation and growth, something that other jurisdictions could soon replicate.
🎯 Conclusion
The U.S. not only passed a law: it sent a clear signal to the world.
Stablecoins have ceased to be “experiments.” They are now part of the official financial system, under clear rules and with the blessing of the State.
🗣️ And you?
Do you think this will further boost the adoption of cryptocurrencies?
Is this the missing step for stablecoins to replace fiat money in many countries?
👇 Comment and share this article if you support responsible crypto evolution.
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