Congress is working on a Stablecoin Trust Act aimed at giving stablecoins a clear legal home. Basically, it would require issuers to register with the FDIC, hold all reserves in cash or U.S. Treasuries, and undergo regular audits—think of it as a “safe space” for dollar-pegged digital coins.

Why does this matter? First, it could squash a lot of uncertainty around stablecoins by making sure your digital dollars really are backed 1:1. Second, it might open up stablecoins for mainstream payments and DeFi, since banks and big companies would feel more comfortable playing along.

Critics say extra rules could slow down innovation, but most folks agree that a bit of clarity—especially in payments—could be a win for everyone. If this passes, you might soon see stablecoins used as easily as your trusty debit card—minus the annoying fees. #USStablecoinBill