Is the GENIUS Act now in force?

Yes. It was adopted in 2025 and is now U.S. federal law.

Which entities must comply?

Stablecoin issuers, custodians, payment platforms, exchanges, and financial intermediaries handling stablecoins.

Are stablecoins treated as securities under this Act?

No. Payment stablecoins are classified as a separate regulated category, distinct from securities and commodities.

What risks does the Act address?

Consumer protection, reserve quality, systemic risk, AML/CFT compliance, and financial stability.

GENIUS Act Stablecoin Regulation

United States

2025

Payments

Overview

The Guaranteeing Essential Non-Fiat Innovation and Upholding Stability (GENIUS) Act, adopted in 2025, is the U.S. federal framework for regulating payment stablecoins. It establishes clear rules to ensure that stablecoins are safe, transparent, fully backed, and redeemable, while encouraging responsible innovation in digital assets.

The Act applies to stablecoin issuers, custodians, payment processors, banks, fintechs, and exchanges operating in the United States or serving U.S. customers. It enhances consumer protection, financial stability, and AML/CFT compliance, aligning U.S. oversight with global standards.

Key Obligations

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