#GENIUS稳定币法案

As a worker, I feel both excited and cautious about the passage of the "GENIUS Act." This act establishes strict federal regulations for stablecoins, requiring issuers to hold high liquidity assets and undergo regular audits. For us ordinary people, this means that using stablecoins for payments might be safer and as convenient as using PayPal. In the future, stablecoins could become mainstream tools for wage payments, cross-border transfers, and even daily consumption, saving a lot on bank fees. Imagine receiving your salary directly in USDC, instantly transferred to a digital wallet—how convenient!

But I also worry that the act might allow large institutions to dominate the market, pushing out smaller players. Will the original intention of decentralized cryptocurrency be weakened? And is the stablecoin really as "stable" as advertised? If there are issues in the treasury market, will our money be at risk? As a worker, I hope stablecoins can make life more convenient, but I also need to protect my hard-earned money.

I have a conservative trading style, preferring low-risk index funds and stablecoin investments. I save a bit of my salary each month and invest it in a dollar-cost averaging strategy for BTC or ETH, using DCA (Dollar-Cost Averaging) to spread the risk. This suits someone like me who doesn't have time to watch the market; in the long run, the returns are stable, and I can sleep soundly!