Signed genius law: America accompanies the new era of Stablecoin
In a historical moment for the US digital assets sector, the Guide and establishment of the National Innovation Law for the United States (Genius Law) He has officially clarified to Congress, preparing the scenario for a transformative change in how Stablecoins will operate within the US financial system.
On July 17, 2025, the House of Representatives approved the genius law With a decisive vote of 294-134, with 78 Democrats that bind to Republicans in support. This vote exceeded expectations and doubled the bipartisan support seen during the FIT21 crypto bill last year. The Senate had already approved the bill in June by a 68-30 vote.
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| Source: x |
He The Genius law signing ceremony is scheduled for July 18 at the White HouseWhere President Donald Trump is expected to sign the bill, marking a fundamental step to establish a comprehensive regulatory framework for the established payment throughout the United States.
A historic day for the digital asset agenda of the President Trump
The approval of the Genius law marks a significant victory for President Trump, who has positioned himself as a pro-Crypto leader during his second term. The cryptocurrency industry, which invested more than $ 250 million in the 2024 electoral cycle, has helped achieve what many analysts now call “The most friendly Congress with cryptomonitera in the history of the United States.”
The law is designed to contribute legal clarity to the Stablecoin market of $ 243 billion, with the aim of protecting consumers, encouraging innovation and positioning the United States as a leader in the adoption of digital assets.
Key provisions of the genius law
The Genius Law establishes clear regulatory guidelines for Stablecoin issuers while providing consumer protection and market transparency:
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Backup requirement 1: 1: The emitters must completely support the stable with high quality liquid assets, ensuring that each token remain linked to the dollar.
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Mandatory monthly audits: It will be required that Stablecoin issuers present monthly certifications and annual audited financial statements, particularly those with more than $ 50 billion in market capitalization.
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Bank and Fintech participation: Both banks regulated by the Federal Government and the Fintech companies graduated in the State will be authorized to issue payment stablcoins.
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Prohibit stable that support performance: The law currently prohibits Stablecoins from offering returns to the holders, although it allows regulators to visit this restriction in the future.
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International accessibility: The law does not restrict foreign issuers to participate in the US Stablecoin market. UU. If they meet their requirements.
These provisions are designed to Promote institutional participationSafeguarding market manipulation and ensuring that stables are integrated into the broader financial system in the United States in a safe and efficient way.
The broader implications of the genius law in the stablcoin landscape
The Genius law is expected to remodel the stablecoin industry in several critical ways:
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Cut algorithmic and crypto-collateralized stable: The new rules will limit the operational scope of the algorithmic stable and those backed by volatile cryptocurrencies, prioritizing models supported by Fiat.
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Focus on payments: Stablecoins will now be framed mainly as tools for national and cross -border payments instead of as speculative investment products.
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Increased institutional adoption: Regulatory clarity will attract the main financial institutions to enter the Stablecoin space, facilitating the flow of institutional capital to the cryptography market.
Analysts believe that the genius law will help transform the stablecoins of experimental financial tools into Payment instruments of the main currentSimilar to debit cards and wire transfers, while preserving the innovative edge of blockchain technology.
Wall Street and technological giants react
The approval of the Genius law has already caused reactions between the financial and technology sectors.
JPMorgan Chase has announced the launch of JPMDA blockchain -based deposit token that will work similar to a stablecoin while it remains integrated with the traditional banking system. Built on Coinbase Blockchain BaseJPMD will initially serve institutional clients, offering 24/7 settlement capabilities and interest payments.
Shopin collaboration with Coinbase and stripesIt has expanded Payments with USDC food for merchants through its platform. Bank of America According to reports, he is exploring the launch of his own stablecoin, while Deutsche Bank He stressed that Stablecoin transactions reached $ 28 billion last year, surpassing Mastercard and Combined Visa.
However, the law will prevent Big Tech non -financial companies from issuing Stablecoins unless they collaborate with licensed financial entities, ensuring financial supervision while allowing technological participation.
Market reaction and stablecoin surge
After the approval of the bill, the Stablecoin market has shown a significant increase. As of July 18, 2025:
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Stablecoin Market Captain: $ 243.33 billion, with trend coins such as USDD 7.14% and Dola rose 5.73%.
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TETER (USDT): Market capitalization is $ 160.37 billion, with a stable price of $ 1.00 and a 24 -hour negotiation volume of $ 145.26 billion, reflecting an increase of 7.74%.
This surge reflects the growing confidence of investors in the Stablecoin ecosystem now that regulatory clarity has come.
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| Source: Coinmarketcap |
Establish the scenario for a global Stablecoin standard
It is expected that the implementation of the Genius law serves as a model for other countries that consider the regulation of the stable, positioning the United States as leader in global digital finances. While the legislation focuses on consumer protection and market stability, it also sends a message that the United States welcomes Cryptographic innovation under clear and enforceable rules.
This legislation is also aligned with other regulatory movements, including Claritywhich clarifies the classification of digital assets as basic values or products, and the Anti-CBDC lawwhich limits the development of digital currencies issued by the Government to safeguard individual financial privacy.
Final thoughts
The signing of the genius law marks the dawn of a New era in the US cryptography policy.establishing the scenario so that Stablecoins moves from the edges of the financial system to its nucleus. By providing regulatory certainty while allowing innovation, Genius law could transform how Americans transaccan, save and interact with digital assets in their daily lives.
For the cryptographic industry, this is a moment of validation, which shows that with responsible railings, Crypto can be integrated without problems in traditional financial systems while preserving the unique benefits of blockchain technology.
While the White House prepares for the signing of the genius law, all eyes will be on how the Stablecoin market evolves in the coming months. One thing is clear: the future of payments in the United States will now involve Stablecoins, not as speculative bets, but as regulated, safe and widely accepted financial instruments.
Writer
@Ellena
Ellena is an experienced cryptographic writer who loves to explore the intersection of blockchain technology and financial markets. She regularly provides information about the latest trends and innovations in the currency space.
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