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.'
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!
