{"id":80474,"date":"2025-06-18T05:21:15","date_gmt":"2025-06-18T05:21:15","guid":{"rendered":"https:\/\/mudrex.com\/learn\/?p=80474"},"modified":"2025-06-18T05:21:46","modified_gmt":"2025-06-18T05:21:46","slug":"genius-act-crypto-2025","status":"publish","type":"post","link":"https:\/\/mudrex.com\/learn\/genius-act-crypto-2025\/","title":{"rendered":"US GENIUS Act 2025: What Traders Need to Know"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">Understanding the GENIUS Act of 2025: A New Era for Stablecoins <\/h1>\n\n\n\n<p>Stablecoins, digital assets tied to the U.S. dollar, are experiencing significant growth, with over $251 billion in use by June 2025. They\u2019re great for fast payments and cheap transfers, but risks like scams and crashes have worried lawmakers. Enter the <strong>Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act of 2025<\/strong>, a new law designed to make stablecoins safe, support innovation, and maintain the U.S. dollar&#8217;s dominance in the digital world. This blog breaks it down! <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is the GENIUS Act?<\/h2>\n\n\n\n<p>Stablecoins are blockchain-based digital assets designed to maintain a stable value, typically pegged 1:1 to the U.S. dollar or other assets like U.S. Treasuries, making them ideal for payments, remittances, and trading in the volatile <a href=\"https:\/\/mudrex.com\/learn\/bitcoin-down-today\/\">crypto market<\/a>. As of May 2025, the global stablecoin market exceeds $232 billion, with major players like Tether (USDT) and USD Coin (USDC) dominating. <\/p>\n\n\n\n<p>However, inconsistent state-level rules, limited federal oversight, and high-profile failures (e.g., Terra Luna\u2019s 2022 collapse, wiping out $60 billion) have raised alarms about consumer risk, financial stability, money laundering, and sanctions evasion.<\/p>\n\n\n\n<p>Introduced on February 4, 2025, by Senator Bill Hagerty, with co-sponsors Senators Tim Scott, Kirsten Gillibrand, and Cynthia Lummis, the GENIUS Act aims to:<\/p>\n\n\n\n<ul>\n<li>Establish a federal framework for \u201cpayment stablecoins\u201d to ensure safety and soundness.<\/li>\n\n\n\n<li>Protect consumers through transparency and redemption guarantees.<\/li>\n\n\n\n<li>Strengthen national security by curbing illicit use.<\/li>\n\n\n\n<li>Foster innovation to modernize payments and reinforce U.S. dollar dominance in the digital economy.<\/li>\n\n\n\n<li>Balance state and federal roles in regulation.<\/li>\n<\/ul>\n\n\n\n<p>The bill reflects bipartisan recognition of stablecoins\u2019 potential to streamline cross-border transactions, lower remittance costs (e.g., from 6% to under 1% for migrant transfers), and integrate with blockchain technology, while addressing risks highlighted by regulators like the Treasury and Federal Reserve<\/p>\n\n\n\n<p><strong>Update:<\/strong> The GENIUS Act has officially passed the U.S. Senate. This bipartisan legislation, formally titled the <em>Guiding and Establishing National Innovation for U.S. Stablecoins Act<\/em>, received strong support with a 68\u202f\u2013\u202f30 vote on June\u202f17,\u202f2025\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Detailed Provisions Under the GENIUS Act<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Definition of Payment Stablecoins<\/h3>\n\n\n\n<ul>\n<li><strong>Scope: <\/strong>A payment stablecoin is a digital asset used for payments or settlement, pegged to a stable value (e.g., $1 USD), and backed 1:1 by U.S. dollars or high-quality liquid assets (HQLA) like cash, bank deposits, or short-term U.S. Treasuries.<\/li>\n\n\n\n<li><strong>Exclusions:<\/strong> The Act clarifies these are not securities (under SEC jurisdiction), commodities (under CFTC), or interest-bearing instruments, carving out a unique category to avoid overlapping rules.<\/li>\n\n\n\n<li><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\"><strong>Intent:<\/strong>&nbsp;This narrow definition under the GENIUS Act focuses on transactional use, excluding algorithmic stablecoins (e.g., TerraUSD) that lack full backing and have proven unstable.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>Permitted Issuers<\/strong><\/h3>\n\n\n\n<ul>\n<li><strong>Eligible Entities<\/strong>:\n<ul>\n<li><strong>Bank Subsidiaries<\/strong>: Under the <span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">GENIUS Act<\/span>, subsidiaries of insured depository institutions (banks, credit unions) can issue stablecoins, subject to approval by their primary federal regulator. For example, the Federal Reserve for state member banks, the FDIC for state non-member banks, or the OCC for national banks.<\/li>\n\n\n\n<li><strong>Federal Nonbanks<\/strong>: Nonbank entities can become \u201cfederal qualified payment stablecoin issuers\u201d with OCC approval, meeting strict standards akin to banking rules.<\/li>\n\n\n\n<li><strong>State-Qualified Issuers<\/strong>: Nonbanks with a market cap under $10 billion can operate under state supervision, provided the state\u2019s framework aligns with federal standards.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Threshold for Federal Oversight<\/strong>: Issuers exceeding $10 billion in market cap shift to federal supervision by the OCC or Federal Reserve, ensuring tighter control over systemically significant players. A waiver process allows larger state-regulated issuers to avoid federal oversight if they demonstrate robust compliance.<\/li>\n\n\n\n<li><strong>Process<\/strong>: Applicants must submit detailed plans on reserves, risk management, and compliance, with regulators given 90-180 days to approve or deny.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>Reserve and Transparency Requirements<\/strong><\/h3>\n\n\n\n<ul>\n<li><strong>1:1 Backing<\/strong>: Issuers must hold reserves of U.S. dollars or HQLA equal to the total value of outstanding stablecoins, held in segregated accounts to protect against misuse or commingling with operational funds.<\/li>\n\n\n\n<li><strong>Asset Quality<\/strong>: Reserves are limited to cash, bank deposits, and short-term, low-risk securities, such as U.S. Treasuries. Risky assets (e.g., corporate bonds, stocks, or other cryptocurrencies) are prohibited to minimize volatility.<\/li>\n\n\n\n<li><strong>No Rehypothecation<\/strong>: Under the <span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">GENIUS Act<\/span>, reserves cannot be pledged, lent, or reused for other purposes, preventing leverage that could trigger a run if confidence falters.<\/li>\n\n\n\n<li><strong>Transparency<\/strong>:\n<ul>\n<li>Monthly public reports detail reserve composition (e.g., 60% cash, 40% Treasuries), verified by third-party audits.<\/li>\n\n\n\n<li>Issuers with a market capitalization of over $50 billion are required to provide annual audited financial statements, filed with regulators, and made publicly available.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Purpose<\/strong>: Ensures users can redeem stablecoins for fiat at par value, even in a crisis, avoiding a \u201cbank run\u201d scenario.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">4. <strong>Consumer Protections<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>Redemption Rights<\/strong>: Issuers must guarantee prompt redemption of stablecoins for U.S. dollars at a 1:1 ratio, with clear policies on timing (e.g., within 1-2 business days) and no excessive fees.<\/li>\n\n\n\n<li><strong>Bankruptcy Priority<\/strong>: In case of issuer insolvency, stablecoin holders have a senior claim on reserve assets, ahead of other creditors, to protect user funds.<\/li>\n\n\n\n<li><strong>Marketing Limits<\/strong>: Issuers cannot claim that stablecoins are:\n<ul>\n<li>Backed by the U.S. government or the Federal Reserve.<\/li>\n\n\n\n<li>FDIC-insured, like bank deposits.<\/li>\n\n\n\n<li>Legal tender, to avoid confusion with official currency.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Enforcement<\/strong>: Regulators can fine or suspend issuers for violations, and consumers can seek recourse through complaints to the Consumer Financial Protection Bureau (CFPB).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">5. <strong>Anti-Money Laundering (AML) and National Security<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>BSA Compliance<\/strong>: Issuers are designated as financial institutions under the Bank Secrecy Act, requiring:\n<ul>\n<li>Robust AML programs, including risk assessments, customer due diligence (e.g., Know Your Customer or KYC checks), and transaction monitoring.<\/li>\n\n\n\n<li>Reporting suspicious activities (e.g., large, unusual transfers) to the Financial Crimes Enforcement Network (FinCEN).<\/li>\n\n\n\n<li>Compliance with U.S. sanctions, overseen by the Treasury\u2019s Office of Foreign Assets Control (OFAC).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Technical Controls<\/strong>: Issuers must have the ability to freeze or burn (destroy) stablecoin wallets to comply with lawful orders, such as blocking funds tied to terrorism, drug trafficking, or sanctioned entities.<\/li>\n\n\n\n<li><strong>Foreign Issuers<\/strong>: Non-U.S. issuers operating in U.S. secondary markets (e.g., exchanges) must meet these standards, or the Treasury can bar them, preventing offshore loopholes.<\/li>\n\n\n\n<li><strong>Goal<\/strong>: Reduce risks of money laundering, terrorist financing, and sanctions evasion, which have plagued untraceable crypto transactions.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">6. <strong>Risk Management<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>Diversification<\/strong>: Reserve portfolios must spread risk, avoiding over-reliance on a single asset type or issuer (e.g., no more than 20% in one bank\u2019s deposits).<\/li>\n\n\n\n<li><strong>Interest Rate Risk<\/strong>: Issuers must model and mitigate losses from rising rates, which could devalue Treasury holdings.<\/li>\n\n\n\n<li><strong>Capital and Liquidity<\/strong>: Regulators set minimum capital buffers (e.g., 2-5% of reserves) and liquidity ratios to absorb shocks, modeled on banking standards.<\/li>\n\n\n\n<li><strong>Stress Testing<\/strong>: Large issuers must conduct periodic stress tests, simulating scenarios like mass redemptions or market crashes, and report results to regulators.<\/li>\n\n\n\n<li><strong>Prohibited Assets<\/strong>: No reserves can include volatile or illiquid assets like equities, junk bonds, or other cryptocurrencies, reducing systemic risk.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">7. <strong>State and Federal Balance<\/strong><\/h2>\n\n\n\n<ul>\n<li><strong>State Role<\/strong>: States regulate issuers with a market cap under $10 billion, encouraging local innovation. State frameworks must be \u201csubstantially similar\u201d to federal rules, covering reserves, redemption, and AML.<\/li>\n\n\n\n<li><strong>Certification<\/strong>: A Stablecoin Certification Review Committee, comprising federal regulators (Federal Reserve, OCC, Treasury), reviews state programs for compliance.<\/li>\n\n\n\n<li><strong>Cure and Appeal<\/strong>: If a state\u2019s regime is denied certification, it has 180 days to fix deficiencies, with an appeal process to challenge federal decisions.<\/li>\n\n\n\n<li><strong>Federal Override<\/strong>: For issuers over $10 billion or in cases of systemic risk, the Federal Reserve or OCC takes over, ensuring uniform oversight of major players.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">GENIUS Act: The Legislative Journey<\/h2>\n\n\n\n<p>Here\u2019s how the GENIUS Act became a big deal, step by step:<\/p>\n\n\n\n<ul>\n<li><strong>Kicked Off:<\/strong> On February 4, 2025, Senator Bill Hagerty, alongside Senators Tim Scott, Kirsten Gillibrand, and Cynthia Lummis, introduced the GENIUS Act in the U.S. Senate. The bill aimed to create a comprehensive federal framework for payment stablecoins, building on earlier bipartisan efforts to regulate digital assets responsibly.<\/li>\n\n\n\n<li><strong>Committee Review:<\/strong> The Senate Banking Committee held a detailed hearing with input from regulators, industry players, and academics. On March 13, 2025, the committee voted 18\u20136 to advance the bill\u2014an early sign of bipartisan traction.<\/li>\n\n\n\n<li><strong>Roadblock and Revisions:<\/strong> A May 8 vote to fast-track the bill fell short (48\u201349), amid concerns from some Democrats about consumer protections and foreign issuer risks. In response, the bill was revised to include tougher audit rules, clearer redemption guarantees, and stricter national security safeguards.<\/li>\n\n\n\n<li><strong>Momentum Returns:<\/strong> The changes worked. On May 19, 2025, the bill cleared a procedural vote with a strong 66\u201332 margin, gaining the support of 16 Democrats, including Senators Gillibrand and Mark Warner\u2014signaling growing consensus.<\/li>\n\n\n\n<li><strong>Senate Approval Secured:<\/strong> On <strong>June 17, 2025<\/strong>, the GENIUS Act officially passed the Senate with a 68\u201330 vote. This marked the most significant federal move yet toward stablecoin regulation. <\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"twitter-tweet\" data-width=\"550\" data-dnt=\"true\"><p lang=\"en\" dir=\"ltr\">\ud83c\uddfa\ud83c\uddf8JUST IN: The US Senate has voted to pass the GENIUS Act.<br><br>The so called &quot;stablecoin bill&quot; is the most comprehensive crypto legislation passed in the US to date. <a href=\"https:\/\/t.co\/ZwZ3JR0Jwj\" target=\"_blank\" rel=\"nofollow\">pic.twitter.com\/ZwZ3JR0Jwj<\/a><\/p>&mdash; Coin Bureau (@coinbureau) <a href=\"https:\/\/twitter.com\/coinbureau\/status\/1935140560735527164?ref_src=twsrc%5Etfw\" target=\"_blank\" rel=\"nofollow noopener\">June 18, 2025<\/a><\/blockquote><script async src=\"https:\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"><\/script>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What are the implications of the GENIUS Act?<\/h2>\n\n\n\n<p>Here\u2019s what could happen if this law kicks in:<\/p>\n\n\n\n<ul>\n<li><strong>Good Things<\/strong>:\n<ul>\n<li><strong>Your Money\u2019s Safe<\/strong>: 1:1 reserves, transparency, and bankruptcy priority reduce risks of loss, unlike the Terra Luna debacle, protecting users from fraud or issuer failure.<\/li>\n\n\n\n<li><strong>Fast, Cheap Payments<\/strong>: Banks and fintechs can issue stablecoins, cutting costs for remittances (e.g., $200 billion in annual migrant transfers) and speeding cross-border payments. Sending money to family abroad might drop from a 6% fee and days of waiting to pennies and seconds, huge for workers sending billions home!<\/li>\n\n\n\n<li><strong>U.S. Dollar Dominance:<\/strong> By tying stablecoins to USD and Treasuries, the Act boosts demand for U.S. debt, countering China\u2019s digital yuan and preserving the dollar\u2019s 58% share of global forex reserves.<\/li>\n\n\n\n<li><strong>National Security:<\/strong> AML and sanctions rules keep stablecoins under U.S. control, preventing illicit flows (e.g., $1 billion in crypto tied to crime annually, per Chainalysis).<\/li>\n\n\n\n<li><strong>Global Leadership: <\/strong>Aligns the U.S. with the EU\u2019s Markets in Crypto-Assets (MiCA) framework, positioning it to shape stablecoin standards worldwide.v<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Wider Wins<\/strong>: Analysts predict the stablecoin market could grow to $1-2 trillion by 2030, with Wall Street banks and fintechs entering, driving blockchain adoption.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">GENIUS Act: Criticisms and Potential Risks<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Risk of a &#8220;Run&#8221; on Stablecoins<\/h3>\n\n\n\n<ul>\n<li>A &#8220;run&#8221; occurs when a large number of people attempt to convert their stablecoins into dollars simultaneously, similar to a bank panic where everyone demands their money back. Stablecoins are intended to be worth $1 each, backed by cash or safe investments, such as U.S. Treasury bonds. If many users become scared, perhaps due to a hack, a rumor, or an issuer going bankrupt, the company may have to sell those bonds quickly to pay everyone.<\/li>\n\n\n\n<li><strong>Problem<\/strong>: Selling a large number of bonds quickly (say, $50 billion worth) could flood the market, driving down bond prices. This makes it harder and more expensive for the U.S. government to borrow money, which could mess up the economy, lead to higher interest rates, slower growth, or even a financial crisis.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Weak Oversight for Smaller Issuers<\/h3>\n\n\n\n<ul>\n<li>Companies that issue stablecoins with a value of under $10 billion are monitored by state regulators, rather than the federal government, such as the Federal Reserve or the OCC. States may not have the same stringent rules or sufficient staff to inspect these companies thoroughly. Some states might be too lenient, allowing firms to take risks with your money, such as not maintaining sufficient cash reserves or concealing problems.<\/li>\n\n\n\n<li><strong>Problem<\/strong>: If a small issuer makes a mistake, people could lose money, and trust in all stablecoins might decline. Even a $5 billion failure could hurt thousands of users.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Foreign Issuers Dodging Rules<\/h3>\n\n\n\n<ul>\n<li>Some stablecoin companies are based outside the U.S., such as in small countries with looser regulations. The GENIUS Act requires foreign issuers to follow U.S. rules when selling to Americans, but enforcing this is challenging. They might ignore orders to freeze suspicious accounts or conceal how they utilize reserves.<\/li>\n\n\n\n<li><strong>Problem<\/strong>: This could enable bad actors to utilize stablecoins for illicit activities, such as money laundering, drug trafficking, or evading sanctions, thereby harming national security. If they fail, U.S. users might not get their money back.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Financial System Instability<\/h3>\n\n\n\n<ul>\n<li>Stablecoins could grow to be huge, potentially reaching trillions of dollars, and become a significant part of how we pay for things. If a major stablecoin company fails or a panic hits, it could ripple through banks, markets, and the economy. For example, if a $100 billion issuer sells all its Treasury bonds in a rush, it might spook investors, raise loan costs, and slow down businesses or home buying.<\/li>\n\n\n\n<li><strong>Problem<\/strong>: The economy could wobble, jobs could be lost, prices could rise, or a larger crisis could occur, especially if stablecoins grow too large too quickly without robust regulations.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Consumer Losses and Scams<\/h3>\n\n\n\n<ul>\n<li>People using stablecoins could still get tricked or lose money. Even with the bill\u2019s rules, such as guaranteeing you can cash out for $1, scammers might still fake stablecoins or charge hidden fees. If a company goes bankrupt, the process to get your money back might be slow or messy, even if you\u2019re first in line.<\/li>\n\n\n\n<li><strong>Problem<\/strong>: You could lose your savings or be stuck waiting months for your dollars. In 2022, crypto scams cost individuals $3.7 billion, and some fear that stablecoins could be next if regulations aren\u2019t tightened enough.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Privacy and Overreach Concerns<\/h3>\n\n\n\n<ul>\n<li>The bill lets companies freeze or destroy stablecoin wallets if the government orders it, to stop crime. This power could be misused. What if the government or a company freezes your wallet by mistake, or because they don\u2019t like your views? You\u2019d lose access to your money.<\/li>\n\n\n\n<li><strong>Problem<\/strong>: It might deter people from using stablecoins or erode trust if innocent users are caught up in the issue. Plus, tracking your transactions for crime checks could feel like a privacy invasion.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Political or Conflict of Interest Issues<\/h3>\n\n\n\n<ul>\n<li>Some worry the bill could be influenced by politics or personal gain. President Trump, who took office in January 2025, supports stablecoins and has ties to crypto projects like USD1 and World Liberty Financial. Critics, such as Senator Elizabeth Warren, say this could lead to \u201cpay-to-play,\u201d where rules favor certain companies or friends of leaders.<\/li>\n\n\n\n<li><strong>Problem<\/strong>: If the bill is too lenient on big issuers or allows connected firms to bend the rules, it may not protect you or the economy fairly. Trust in stablecoins and the government could drop.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Why These Matter<\/h3>\n\n\n\n<p>The GENIUS Act aims to make stablecoins safer by requiring reserves, transparency, and anti-money laundering rules. However, if something goes wrong, a panic, a scam, or weak enforcement, your money, the economy, or even U.S. security could be compromised. <\/p>\n\n\n\n<p>The stablecoin market is currently valued at $232 billion (as of May 2025). It is expected to grow to the trillions, making these risks even more significant as more people utilize them for payments, savings, or international money transfers. Lawmakers and regulators will need to monitor developments and adjust rules to ensure safety closely.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>The GENIUS Act of 2025 is a game-changer for stablecoins, digital dollars for a modern world. It sets rules so that only solid companies issue them; the money is backed, crime is stopped, and payments are made quickly and cheaply. It could grow a $250 billion market to trillions, keeping the U.S. dollar king. <\/p>\n\n\n\n<p><em>Join our Telegram community for early signals, policy updates, and smart crypto insights that actually matter.<\/em><\/p>\n\n\n\n<div class=\"wp-block-essential-blocks-button\"><div class=\"eb-parent-wrapper eb-parent-eb-button-2f61l \"><div class=\"eb-button-wrapper eb-button-alignment eb-button-2f61l\"><div class=\"eb-button\"><a class=\"eb-button-anchor\" href=\"https:\/\/t.me\/+X0Ppt4HaBIlhMTJl\" rel=\"noopener nofollow\" target=\"_blank\">Join Mudrex Official Telegram Community<\/a><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Understanding the GENIUS Act of 2025: A New Era for Stablecoins Stablecoins, digital assets tied to the U.S. dollar, are experiencing significant growth, with over $251 billion in use by June 2025. They\u2019re great for fast payments and cheap transfers, but risks like scams and crashes have worried lawmakers. Enter the Guiding and Establishing National [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":80476,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","_import_markdown_pro_load_document_selector":0,"_import_markdown_pro_submit_text_textarea":"","footnotes":""},"categories":[1848],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>US GENIUS Act 2025: What Traders Need to Know - Mudrex Learn<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mudrex.com\/learn\/genius-act-crypto-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"US GENIUS Act 2025: What Traders Need to Know - Mudrex Learn\" \/>\n<meta property=\"og:description\" content=\"Understanding the GENIUS Act of 2025: A New Era for Stablecoins Stablecoins, digital assets tied to the U.S. dollar, are experiencing significant growth, with over $251 billion in use by June 2025. They\u2019re great for fast payments and cheap transfers, but risks like scams and crashes have worried lawmakers. 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