The first digital debt obligation on the blockchain could become the main beneficiary of the GENIUS Act
On July 18, 2025, a historic event took place in the USA: Donald Trump signed the GENIUS Act — the first federal law in history regulating payment stablecoins. According to the new legislation:
Stablecoins are officially recognized as a means of payment;
Banks and financial organizations will be able to issue their own digital assets;
They can be used for payments in stores, paying salaries, and storing as digital cash;
All tokens must be 100% backed by dollars, bonds, or liquid assets.
> This is undoubtedly a step forward for the crypto market.
But in this new reality, the real advantage is not only for stablecoins.
💡 What is TCPcredit and why is it important?
TCPcredit (TCPcr) is a digital debt obligation developed by the international payment platform TCP-MARKET.
This is not a 'coin' or 'token' in the conventional sense.
This is a legally formalized right to claim.
This is an infrastructure for digital debt, operating parallel to the classical financial system.
Differences from stablecoins:
📜 TCPcredit is not just an asset, but a digital equivalent of a debt assignment;
🔁 It exchanges via TCPcent (TCPct) — a deflationary token with limited issuance;
🌍 Does not depend on banks and US regulation — works in any country, including sanctioned regions;
⚙️ Can be used in trade contracts, post-payment, factoring, logistics, and arbitration.
⚖️ GENIUS Act vs. TCPcredit: two approaches to digital money
Parameter GENIUS Act stablecoins TCPcredit (TCPcr)
Legal nature Payment digital asset Digital debt obligation
Issuer Bank/licensed financial organization Decentralized platform
Collateral Dollar / US bonds Internal asset TCPcent
Geography of use Only countries with access to the dollar The whole world, including sanctioned areas
Method of use Purchases, transfers Purchases + debt settlements + logistics
Jurisdictional dependency Under US control Legally neutral, outside sanctions
🔎 Why TCPcredit is especially relevant now
1. Legal flexibility
TCPcr cannot be classified as a monetary surrogate since it is a debt obligation, not money. This allows it to be used even in countries with strict cryptocurrency circulation restrictions.
2. Independence from banks
While the GENIUS Act opens opportunities only for licensed banks, TCPcredit can be issued and transferred without financial intermediaries. This is critically important for developing countries and international trade.
3. Deep integration into the economy
TCPcredit is not just a settlement but a complete financial infrastructure:
Transaction assurance mechanism;
Protection for sellers and buyers;
Conversion between fiat, crypto, and goods.
4. Deflationary architecture
All transactions in the TCP-MARKET system go through TCPcent (TCPct), whose supply is limited. This creates stable value and protects against inflation.
5. Parallel economy
TCPcredit is a non-bank monetary framework, independent of geopolitics, sanctions, and inflation risks. This is precisely what traditional stablecoins lack.
✅ Part 2: Examples of TCPcredit applications in the real world that no stablecoin can handle
→ Read more…
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