Stablecoins & the GENIUS Act: U.S. Regulatory Leap Forward
The GENIUS Act, signed into law July 2025, is the U.S.'s first comprehensive stablecoin regulation framework. It mandates that issuers must be regulated institutions (banks or federals), fully reserve-backed, audited monthly, and subject to AML/CFT rules.
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This legislative clarity has sparked explosive market interest—crypto valuations surged past $4 trillion, with stablecoin adoption projected to approach $3.7 trillion by 2030.
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💳 Visa is already capitalizing: it has expanded its settlement platform to support USD‑denominated stablecoins including USDG, PYUSD, EURC, across multiple chains (Ethereum, Solana, Stellar, Avalanche), aiming to transform global cross‑border payments.
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Why it matters:
Consumer Trust: Reserve transparency and federal oversight reduce peg-loss and fraud concerns.
Real‑World Utility: Stablecoins could reduce merchant processing fees by 2–3%—e.g. via Walmart or Amazon’s future coin rails.
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Global Impact: The legislation is expected to accelerate international adoption of payment stablecoins, especially in emerging markets.
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💬 Your insights? Will the GENIUS Act position the U.S. as the global stablecoin hub—or lead to consolidation and risk centralization? Share your thoughts! 👇
