U.S. Cryptocurrency Bill Passed:
Three Keys to Unlocking Wealth

Imagine the cryptocurrency market as a giant amusement park,
but this amusement park has always been in a "state of construction".
— Although there are many exciting rides,
there is a lack of clear rules and safety guarantees,
leaving many who want to come in and play watching from the outside.

The three important bills just passed by the U.S. House of Representatives,
are like providing three important keys for this amusement park,
which will completely change the landscape of the entire industry.

🚩 Key One:
GENIUS Act — The "ID card" for Stablecoins

What is the GENIUS Act?

If we compare stablecoins to "vouchers" issued by banks,
then the GENIUS Act requires
that these vouchers must have 100% real cash backing.

Just like when you buy tokens at an amusement park,
the park must guarantee that every token you hold
has an equivalent amount of cash in the vault.

In the past, some stablecoin issuers acted like "foxes in sheep's clothing",
issuing tokens worth $1 million,
but actually only having $800,000 in reserves,
with the remaining $200,000 possibly invested in high-risk projects.
Once problems arise, those holding these tokens might lose everything.

📌 Benefits for Compliant Stablecoins:
USDC (U.S. Dollar Coin)
is like a good student who has always followed the rules,
as it already has nearly 100% dollar reserves.
With the passage of this bill, its "good student"
status has been officially recognized,
which will attract more institutions and individuals to use it.

📌 Impact on Non-Compliant Stablecoins:
Those stablecoin projects that "play tricks",
are like students cheating on an exam,
now must either correct their mistakes or be eliminated.

📌 Influx of Institutional Funds:
Imagine if you were a manager of a large investment firm,
would you choose to invest in a project that is unregulated,
which could "run away" at any moment,
or in a project with government backing,
and transparent reserves? The answer is obvious.

🚩 Key Two:
CLARITY Act — Classifying Cryptocurrency "Residences"

What is the CLARITY Act?

In the traditional financial world,
stocks have stock rules,
commodities have commodity rules,
but cryptocurrency has always been in a "no man's land".

The CLARITY Act is like giving cryptocurrencies a "household registration",
clearly telling each project:
whether you belong to securities or commodities and what rules you should abide by.

This is like the early internet era,
when ride-sharing first emerged,
and the government didn't know whether to regulate it like taxis or private cars,
leading to chaos in the industry.
Now, with clear classification standards,
the entire industry can develop in a standardized manner.

📌 Spring for Exchanges:
Compliant exchanges like Coinbase and Kraken are like
restaurants waiting for their business licenses,
and have finally received their permits to operate legally.
They can confidently and boldly expand their business,
without worrying about being shut down suddenly.

📌 A Peace of Mind for Projects:
Many high-quality cryptocurrency projects,
are like talented artists,
but have always been unsure where their work should be exhibited.

Now, with clear classifications,
they can focus on creation,
without worrying about legal risks.

📌 Umbrella for Investors:
Ordinary investors are like consumers in a shopping mall,
now every product has clear labels and quality guarantees,
making them more assured when purchasing.

🚩 Key Three:
Anti-CBDC Act — Protecting the "Decentralized" Castle

What is the Anti-CBDC Act?

Imagine the government wants to issue a digital currency,
where every transaction can be monitored by the government.

This is like the government requiring everyone to use transparent wallets,
where you buy, sell, and how much you save, the government can see clearly.

The Anti-CBDC Act says:
"Wait, such matters must go through Congress for approval,
and can't be decided solely by the government.
" This protects personal privacy,
and upholds the core value of cryptocurrency being "decentralized".

📌 Rise of Privacy Coins:
Monero and Zcash, these privacy-focused cryptocurrencies,
are like "invisibility cloaks" in the era of surveillance,
their value will be re-evaluated.

📌 Accelerated Development of DeFi:
Decentralized Finance (DeFi)
is like a "free market" not controlled by banks,
and now the existence of this market has received support at the policy level.

📌 The Most Significant Change:
$9 trillion Retirement Fund Market Opening

What does this mean?

Imagine if the previous cryptocurrency market was a small pond,
then the retirement fund market is a vast ocean.

The total size of U.S. retirement funds reaches $9 trillion,
how big is this number?
It is several times the total market value of the entire cryptocurrency market!

If even 1% of this $9 trillion
flows into the cryptocurrency market,
that would be $90 billion in new funds.
It's like a small river suddenly connecting to the sea,
the water level will surge instantly.

# Impact on Different Cryptocurrencies

🌈 Bitcoin: Further Solidifying Its Status as Digital Gold
Bitcoin is like the "gold" of the cryptocurrency world,
and the entry of retirement funds will make it more like a "reserve asset".
Imagine,
if central banks around the world start buying a certain commodity as reserves,
what would happen to the price of that commodity?

🌈 Ethereum: The King of Smart Contract Platforms
Ethereum is like the "land" of the cryptocurrency world,
with many projects built on this land.
The entry of retirement funds will increase the value of this "land".

🌈 Stablecoins: The Bridge Connecting Traditional Finance
Stablecoins are like the "bridge" connecting traditional finance and the crypto world,
for retirement funds to enter the crypto world, they first need to cross this bridge.

💥 Short-Term Impact (1-6 months)
It’s like a stock market after good news is announced,
there might be a wave of "emotional surge".
Investors hearing this good news,
will rush to enter the market, driving up prices.
But this surge might have some bubble components.

💥 Long-Term Impact (1-3 years)
Real changes will gradually manifest after the bill is implemented.
It's like a tree, with policy as the seed,
but to see the lush fruits, it will take time.

# Continuous Influx of Institutional Funds:
Not a one-time event, but a continuous, stable inflow of funds.

# Standardization of the Industry:
Inferior projects will be eliminated, while quality projects get better development.

# Accelerated Technological Innovation:
With a clear regulatory framework, innovators can invest in research and development with more confidence.

⚠ For New Investors ⚠
Just like someone who has just learned to swim,
do not rush into the deep end just because you see the swimming pool is expanding.

# First Learn the Basics
# Start with Small Investments
# Choose Compliant Platforms and Projects

⚠ For Experienced Investors ⚠
Like an experienced captain,
you should be able to recognize the significance of this "tidal change".

# Reassess Your Portfolio
# Focus on the Types of Projects That Benefit the Most
# Be Prepared for Long-Term Investment

The passage of these three bills
marks the cryptocurrency industry transitioning from "wild growth"
to a new phase of "regulated development."

Just like how the internet gradually developed from an initial chaotic state,
to today’s orderly digital world.

For the entire industry,
this is a historic turning point.
Those projects with true value will thrive
in this new environment,
while those with speculative nature will gradually be eliminated.

For investors,
this is both an opportunity and a challenge.
The opportunity lies in the expansion of market scale and industry standardization,
the challenge is the need to understand the technology and regulatory environment more deeply.

It’s like after the internet bubble burst 20 years ago,
only then did truly valuable companies like Google,
Amazon start to show their real potential.
Today’s cryptocurrency market,
is also at such an important historical juncture.

The future is here, are you ready?
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