#StablecoinLaw 📜 GENIUS Act signed by Trump marks a before and after ⚖️

On July 19, 2025, President Trump signed the GENIUS Act, establishing the **first comprehensive federal framework for stablecoins in the U.S.** .

🔑 Key points of the Act:

Legal issuance only through authorized issuers (banks or non-bank entities with equivalent federal or state licenses).

1:1 reserve requirements in liquid assets such as dollars or Treasury Bills.

Monthly audits and disclosure of reserves and mandatory transparency.

Strict AML/KYC rules and mechanisms to freeze or burn funds if legally ordered .

💡 Impact on the crypto ecosystem:

Increases institutional confidence in stablecoins like USDC.

Could expand the stablecoin market to $2–3 trillion by 2028–2030, according to estimates .

Reduces regulatory uncertainties and enables the entry of large institutions (banks, retailers) into the crypto space .

⚠️ Criticisms and risks:

Tether (USDT) could face risks if it does not meet the required transparency, potentially even being excluded from the U.S. market .

Some lawmakers warn of systemic risks when linking a crypto product to Treasury debt and possible AML loopholes in the law .

🧠 Conclusion for investors and operators

The GENIUS Act bestows legitimacy on stablecoins and regulates a $260 billion market towards its transformation into global financial infrastructure.

For investors: more clarity, less risk.

For those using stablecoins: greater operational certainty.

For exchanges and fintech: a new legal framework that accelerates integration with FIAT and banking systems.