The Clarity Act is a proposed US law to regulate digital assets, known as the Digital Asset Market Clarification Act. The law aims to provide a comprehensive regulatory framework for cryptocurrencies and digital assets by defining the types of digital assets and identifying the regulatory body responsible for each type (the Securities and Exchange Commission or the Commodity Futures Trading Commission) [2, 3].
Key points of the Clarity Act:
Digital Asset Classification:
The law defines when a digital asset is considered a commodity or security, which impacts the regulatory body responsible for it.
Mature Blockchains:
The law defines what is considered a "mature blockchain" (widely used decentralized chains) and places them under the oversight of the Commodity Futures Trading Commission (CFTC).
Protections for DeFi Developers and Participants:
The Clarity Act protects decentralized finance (DeFi) developers and participants from being classified as financial intermediaries, encouraging innovation.
Transparency and Compliance:
The law establishes standards for exchanges and digital asset intermediaries, including custody requirements, anti-money laundering, and transparency.
Self-Custody:
The law affirms the right of individuals to self-custody their digital assets.
Unified Federal Legislation:
The law overrides conflicting state laws, providing a unified national regulatory framework.
Importance of the Clarity Act:
Regulatory Clarity:
The law provides clarity on the regulation of digital assets, encouraging investment and innovation in this space.
Investor Protection:
The law aims to protect investors by establishing standards for transparency and compliance.
Encouraging Growth:
By providing a clear regulatory framework, the law aims to encourage the growth of the digital asset industry in the United States.
Current Status of the Act:
The Clarity Act was passed by the U.S. House of Representatives in July 2025 and is now in the Senate.
The law has broad bipartisan support.
If passed by the Senate and signed by the President, it will become law.
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