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GENIUS Act: What the New Federal Stablecoin Framework Means for US Users
  • Michael Hemingway
  • 17 Jan 2026
  • Comments (25)

GENIUS Act: What the New Federal Stablecoin Framework Means for US Users

The GENIUS Act is the first federal law regulating U.S. stablecoins, requiring 1:1 reserves, bank-only issuance, and strict AML rules. It takes effect in 2027 and reshapes how digital dollars work in America.

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