Insights

Is your business ready to leverage the new era of regulated stablecoins?

On July 18, 2025, President Donald Trump signed the GENIUS Act into law, a historic milestone for cryptocurrency in the U.S. Passed by the Senate (68-30) on June 17 and the House (308-122) on July 17, the Guiding and Establishing National Innovation for U.S. Stablecoins Act establishes the first federal framework for payment stablecoins—digital assets pegged to the U.S. dollar. The law mandates:

• 1:1 reserve backing with USD or liquid assets like Treasuries
• Monthly audits for transparency
• Clear redemption rights for users

This ensures trust and stability for stablecoins. The GENIUS Act enables businesses to adopt stablecoins with confidence, backed by oversight from federal regulators like the Federal Reserve and OCC (or state regulators for issuers under $10 billion). Circle’s recent IPO, raising $1.05 billion, highlights market trust in regulated digital assets. Consumer protections, including bans on misleading marketing and bankruptcy priority for stablecoin holders, make these assets safer for corporate use.

Why It Matters for You

Stablecoins can transform your business by enabling:

• Streamlined payments for faster transactions
• Enhanced treasury management for liquidity
• New investment opportunities via tokenization

Whether you’re exploring crypto for cross-border payments or tokenizing assets, the GENIUS Act provides clarity to act. Effectifi’s Crypto & Web3 and Treasury Management services guide you through this landscape. Our 5-Step Path—Define, Engage, Execute, Track, Deliver—delivers tailored solutions, from Guided Learning to Full-Scale Implementation, ensuring measurable impact.

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