#StablecoinLaw

🇺🇸 U.S. Passes Stablecoin Law: GENIUS Act Becomes Reality

In a landmark move, the U.S. has passed the GENIUS Act, its first major law regulating payment stablecoins. Signed in July 2025, the law gives the Treasury, OCC, and FDIC authority to oversee large issuers holding over $10 billion in stablecoins like USDC or PYUSD. It enforces 1:1 backing, monthly disclosures, audits, and priority redemption in insolvency cases.

Smaller issuers may remain state-regulated under consistent rules, while algorithmic stablecoins remain excluded, drawing criticism. Supporters say this law brings clarity, boosts confidence, and opens doors for institutional adoption.

Bottom line: The GENIUS Act is a regulatory milestone, setting the stage for a safer, more structured U.S. stablecoin market—while leaving room for future debates on innovation vs control.