This Wednesday, April 1, the U.S. Department of the Treasury began implementing the GENIUS Act by releasing the first set of operational rules. This legal framework transforms the legislation passed in 2025 into a system of mandatory federal oversight, establishing strict reserve requirements, daily reporting, and issuance licenses. Moving forward, authorities have ended regulatory ambiguity and centralized control of the stablecoin market in the hands of the federal government.
The regulations establish a $10 billion threshold; companies exceeding this amount will automatically fall under the direct supervision of the OCC, while smaller entities may only remain under state regulation if local regimes meet federal standards. Additionally, the law explicitly prohibits offering yields on stablecoins, aiming to prevent these assets from competing with traditional bank deposits without the safeguards of the official financial system.
This move marks the transition of stablecoins from an experimental market to an institutionalized and strictly monitored one. With final adoption scheduled for July and full implementation expected by the end of the year, issuers face a race against time to segregate assets and secure new federal licenses. The next step for the market will be the consolidation of major players capable of meeting these high technical and capital demands.
Source:https://goo.su/3dpDk3t
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