#StablecoinLaw In 2025, the U.S. Congress passed the GENIUS Act, establishing the first federal regulatory framework for USD-pegged stablecoins, a landmark for the digital currency sector. The law mandates 1:1 backing with highly liquid assets like USD or short-term Treasuries, requiring issuers to disclose reserves monthly and comply with anti-money laundering and consumer protection rules. It permits banks, non-banks, and state-licensed issuers to participate, overseen by federal and state regulators. Supporters argue it will boost stablecoin use in payments and cross-border transactions; critics warn of regulatory gaps and financial risks. The bill awaits presidential signature, poised to reshape global payments.