🇺🇸 A U.S. bill that almost nobody noticed is quietly determining the future landscape of stablecoins. It is neither #Meme nor a new coin, but it could change the digital finance landscape for the next 10 years.
Its name is: GENIUS Act
1️⃣ Why should we pay attention to 'stablecoins'?
Stablecoins = the underlying protocol of the dollar in the crypto world:
Used for exchange storage, on-chain payments, cross-border settlements, and DeFi lending
Mainstream in the market: USDT / USDC / FDUSD / DAI / USDe…
But it has always had problems:
⚠️ Are the reserves real?
⚠️ Is the regulation compliant?
⚠️ Will there be another UST collapse event?
The GENIUS Act is exactly the standard answer given by the U.S.
2️⃣ What is the GENIUS Act? (key point)
This is a federal bill being promoted in the U.S., officially titled: Guaranteed Electronic Notes Innovation and Utility Standard.
It integrates stablecoins into a unified regulatory system with three key points:
✅ #稳定币 clear definition: must be pegged to #法币 and limited to 'payment purposes'.
✅ 1:1 reserve enforcement: supported assets are cash/government bonds + public audits
✅ Compliant issuer system (PPSI): Institutions like Circle / Walmart can apply for compliant licenses to issue stablecoins.
📌 For example:
Circle issues USDC
Assume Walmart issues WUSD
All pegged to USD, accepting unified regulatory standards, with users having the freedom to choose.
3️⃣ Why is it said to be 'super favorable'?
📊 In summary: this is not tightening, but rather a release.
✅ Release of tens of billions in liquidity
Traditional financial and tech companies (like PayPal, Stripe) can participate compliantly, driving a surge in stablecoin assets.
✅ Make the dollar the 'sovereign currency on-chain'
To globally export the USD standard and counter other countries' digital currencies (such as eCNY, Euro CBDC).
✅ Promote the scale upgrade of DeFi protocols
More lending platforms (such as AAVE / Morpho) will benefit from stablecoin liquidity
Protocols like Curve and Pendle will see synchronized growth in trading depth and yield strategies
Active DeFi users and on-chain TVL will rise across the board
4️⃣ This is not a favorable condition that will cause a price surge tomorrow, but it is very certain.
⚖️ The current GENIUS Act has not yet been officially passed and is expected to require another 6–12 months of promotion and negotiation.
But it sends an extremely clear signal:
✅ The U.S. will embrace compliant stablecoins through legislative means
✅ And promote the USD as the sovereign currency standard for Web3
📌 This means: stablecoins are no longer a 'regulatory blind spot', but an officially recognized main battlefield.
✅ Conclusion: This is not a short-term sentiment, but a confirmation of long-term trends.
The significance of the GENIUS Act is comparable to the approval of a Bitcoin ETF:
This is the first time the U.S. has used clear legal language to define the monetary function of crypto assets.
It is also the institutional foundation for stablecoins to gain 'orthodox status' for the first time.
📌 While everyone is chasing short-term trends, real big opportunities are quietly unfolding on the policy level.
