When the (Genius Act) was signed and came into effect at midnight, the huge wheel of the U.S. retirement savings system officially changed course.

This transformation, referred to by JPMorgan's CEO as 'reconstruction of financial infrastructure,' is pushing ordinary investors toward a historic turning point.

The threefold transformation at the core of the bill

The rebirth of stablecoins
Learning from the collapse of LUNA:

Algorithmic stablecoins completely exit the market

100% reserve requirement mandatorily anchored to cash and short-term U.S. Treasury bonds

Monthly penetrating audits become a hard rule
Former Federal Reserve governor pointed out: 'The reins of regulation have been handed over to the traditional financial system.'

Lightning invasion of traditional capital

JPMorgan deploys institutional-level deposit tokens on the Base chain

Bank of America connects one million merchants to crypto payment channels

Standard Chartered's spot system daily processing volume exceeds 3 billion
More vigilance needed: Retail giant Amazon is secretly testing supply chain stablecoins.

Pension flood warning
401(k) entry channel opens, even with a small amount of funds seeping in:

BlackRock Bitcoin ETF weekly inflow reaches $1 billion
Goldman Sachs custodial account quarterly growth reaches 37%
This is just a precursor to the whales stirring the waters.

The breaking point and traps for retail investors

Opportunity Window

Compliant stablecoin

Licensed exchanges

Bitcoin spot ETF

Deadly undercurrents

Commercial payment scenarios may be monopolized by tech giants

Offshore stablecoin regulatory arbitrage loopholes

The deathly bond between U.S. Treasuries and stablecoins

Survival rules of the new order

When the declaration of 'digital revolution' echoes at the bill signing site, the awakened should see:

Short-term liquidity flowing towards compliant targets

Mid-term Bitcoin may replicate the 2016 gold market

Long-term anti-censorship asset value reassessment

The current market is like the opened sluice of the Qiantang River—spectacular tides hide whirlpools.

Behind those seemingly bright policy texts, the Bank for International Settlements has warned that 'new systemic risks are forming.'

#ETH突破3600

Final question: Will you be a lifelong retail investor or focus on consolidation, join the consolidation team, and become the next 'rich person'? Choose wisely, the candlestick chart is watching you!

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