#StablecoinLaw ,The U.S. government has just enacted the Stablecoin Regulation Act, a sweeping new law that could reshape crypto markets.
✅ Full Reserve Backing: All dollar-pegged stablecoins (USDT, USDC, etc.) must hold 1:1 cash or short-term Treasuries. No more fractional reserves.
✅ Issuer Licensing: Stablecoin issuers must now be licensed financial institutions (banks or approved entities).
✅ Transparency Mandates: Monthly audits + real-time proof-of-reserves required.
❌ Algorithmic Stablecoins Banned: No more Terra-style UST experiments.
Immediate Impact
USDT/USDC: Short-term volatility expected as issuers adjust. Long-term, stronger trust.
Crypto Exchanges: Must delist unapproved stablecoins within 90 days.
DeFi: Major protocols may need to migrate to compliant stablecoins.
