This news about the GENIUS Act represents a historical milestone for the crypto market in the U.S. — and possibly worldwide. If officially confirmed, it is the first clear and comprehensive federal regulation on stablecoins, and this has profound implications for the future of digital finance.

$BTC $TRUMP

Let’s analyze the main points and the impact of each:

1. 100% Real Backing in Stablecoins


Impact:

Stablecoins like USDT (Tether) and USDC (Circle) will need to prove they are fully backed by real assets (e.g., dollar, T-bills).

➡️ This could increase institutional confidence and reduce systemic risk — something that has already raised doubts about Tether in the past.

➡️ Issuers that do not comply may be banned from operating in the U.S.


🏛️ 2. Unified Federal Licensing


Impact:

Today, stablecoin issuers deal with a regulatory patchwork (e.g., different states have different rules).

➡️ With a federal license, there is legal clarity to operate across the U.S.

➡️ This could attract banks, fintechs, and asset managers to enter the sector without fear of future sanctions.

👴 3. Use of Stablecoins in Retirement Accounts (401k, IRA)

Impact:

Allowing stablecoins in retirement plans could unlock hundreds of billions of dollars in institutional capital.

➡️ It’s the kind of move that validates crypto as a long-term asset, not just speculative.

➡️ This could heat up demand for BTC, ETH, and regulated tokens like USDC itself.




Asset
Possible Benefit



USDC
Could become the preferred stablecoin for banks and regulated apps.


BTC/ETH
Benefit from increased demand via ETFs, payments, and institutional entry.


Exchanges
Those licensed in the U.S. may grow — like Coinbase.


DeFi
With regulated stablecoins, DeFi could enter the mainstream.


⚠️ And what about USDT (Tether)?

  • Tether operates outside the U.S. and has historically been less transparent.

  • Could lose market share to USDC if it does not adapt to the requirements of the GENIUS Act.

  • This does not mean the end of USDT, but rather a change in leadership among stablecoins on American soil.

📈 What investors and enthusiasts should watch now:

  1. Which companies will seek federal licenses first.

  2. How the market will react in the coming days — especially the USDC/USDT pair.

  3. The reaction of banks and major fintechs (PayPal, Robinhood, etc.).

  4. Whether other countries will follow the U.S. example.