#StablecoinLaw $CFX $XRP

U.S. approves the GENIUS Act: the dawn of a new era for stablecoins and DeFi?

This week, the U.S. Congress greenlit the GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins), a historic law that regulates stablecoins at the federal level for the first time. What does this mean for the crypto ecosystem, DeFi, and global payments? Much more than it seems.

🧩 What changes with the GENIUS Act?

Legal stability: Stablecoins now have a clear regulatory framework. They are no longer “no man's land.”

Mandatory 1:1 backing: Each stablecoin must be backed by dollars or equivalent liquid assets.

Monthly audits: Issuers must publish the composition of their reserves and undergo public audits.

Interest offering prohibited: Stablecoins will not be able to pay yields, which directly impacts DeFi models based on yield farming.

Only authorized issuers: Starting in 2028, it will be illegal to offer stablecoins in the U.S. without a license.

🌐 Impact on DeFi and global payments?

1. DeFi: redefining the rules of the game

DeFi platforms using stablecoins like USDC or USDT will have to adapt to new restrictions.

The end of “native yield” could push protocols to seek new ways to generate value.

A wave of innovation is expected to comply with the rules without losing appeal.

2. Global payments: faster, safer

Regulated stablecoins could become the new standard for international payments.

Banks, fintechs, and retailers are already exploring integrations with stablecoins for instant payments.

The U.S. seeks to position itself as a leader in digital financial infrastructure, competing with China and Europe.

🧠 And now what?

The GENIUS Act is not the end, but the beginning. More laws like the CLARITY Act, which will define what a token is and who regulates it, are expected to come. Meanwhile, the global ecosystem watches closely.