As a worker, I am both excited and cautious about the passage of the "GENIUS Act". This act establishes strict federal regulations for stablecoins, requiring issuers to hold highly liquid assets and undergo regular audits. For us ordinary people, this means that using stablecoins for payments could be safer and as convenient as using PayPal. In the future, stablecoins may become mainstream tools for salary payments, cross-border transfers, and even everyday consumption, saving a lot on bank fees. Just imagine, receiving your salary directly in USDC, instantly transferred to your digital wallet — how convenient!

But I also worry that the act might allow large institutions to dominate the market, pushing out smaller players. Will the original intention of decentralized cryptocurrency be weakened? Moreover, are stablecoins really as "stable" as advertised? If there are issues in the treasury market, will our money be at risk? As a worker, I hope stablecoins can make life more convenient, but I also need to protect my hard-earned money.

My trading style is relatively conservative, favoring low-risk index funds and stablecoin investments. I save a bit from my salary each month and invest in a dollar-cost averaging (DCA) strategy for BTC or ETH. This is suitable for workers like me who don’t have time to monitor the market; over the long term, the returns are stable, and I sleep soundly!