#StablecoinLaw

**The GENIUS Act and the Future of Stablecoins in the USA: A New Era for Cryptocurrencies**

Recently, U.S. President Donald Trump signed the GENIUS Act, which became the first federal legislative act regulating the stablecoin market in the United States. This move, approved by Congress, marks a historic moment for the cryptocurrency industry, as stablecoins pegged to stable assets like the U.S. dollar now have a clear legal framework. The law requires stablecoin issuers, such as USDT or USDC, to back their tokens with real assets on a 1:1 basis and to undergo regular audits to confirm their reserves. This increases trust in stablecoins, minimizing risks for investors.

It is expected that by 2026, the stablecoin market will reach $750 billion, which could impact the U.S. government bond market and demand for the dollar. The law, which will take effect in 2027, also allows banks to issue their own digital assets, promoting the integration of cryptocurrencies into traditional finance. For investors, this means new opportunities but also the need to carefully assess risks, as centralized stablecoins remain vulnerable to the volatility of reserves.