BREAKING: US Congress Decides Fate of Crypto With 3 Game-Changing Bills

The crypto industry holds its breath as Washington drops the regulatory hammer—three landmark votes could make or break the future of digital assets in America.

The Big Three: What's at Stake

From tax treatment to exchange regulations, these bills represent the most significant legislative moves since Bitcoin's inception. Traders scramble to adjust positions while VCs quietly lobby for last-minute amendments.

Market Reaction: Volatility Ahead

Expect wild price swings as institutional players parse the fine print—because nothing says 'decentralization' like waiting for bureaucrats to decide your industry's fate. (Bonus jab: At least Congress found something more exciting than insider trading to focus on for once.)

The Bottom Line

Win or lose, these votes prove crypto's gone mainstream. The only question now: Will regulation strangle innovation—or finally give Wall Street the rulebook it's been craving?

In Brief

• Three laws passed in the House mark a historic turning point for American crypto regulation.
• The GENIUS Act regulates stablecoins with mandatory reserves and consumer protections.
• The CLARITY Act divides powers between the SEC and CFTC to oversee the crypto market.
• The Anti-CBDC Act forbids the government from launching a centralized digital currency in the U.S.

Three Laws, Three Ambitions: Structuring the American Crypto Universe

First, there is the, intended to regulate dollar-denominated stablecoins. With, this text imposes. A long-awaited framework. Thethen clarifies the division of responsibilities between the SEC and the CFTC — a jurisdictional dispute as old as Bitcoin. Finally, theoutright bans the creation of a digital dollar by the Federal Reserve. A.

David Sacks, nicknamed the “Crypto Czar” of the WHITE House, praised the adoption of the bills as a major step forward, stating that the United States is strengthening its position as a leader in digital innovation.

For Brad Garlinghouse, CEO of Ripple, the impact is fundamental:

The last major financial legislation dated back to 2008, in response to the financial crisis. The GENIUS Act now places the United States at the forefront of innovative financial technologies — stablecoins. This moment is historic, and I personally look forward to everything this transformative legislation will produce.

A Vote Under Tension: Between Maneuvers and Showdowns

This success was not achieved without pain. On Wednesday, nine hours of debate were needed to pass. Some Republicans blocked the process, demanding that an anti-CBDC clause be added to the defense bill.

to rally them to his cause. Eventually, the majority aligned. On Thursday, the votes followed.

But the Democrats did not applaud. Maxine Waters, a leading opposition figure, denounced:

These projects open huge loopholes in our financial laws in the name of innovation.

She also pointed out the, mentioning the $TRUMP stablecoin and the company World Liberty Financial.

Behind the numbers, a message: crypto is becoming a political battleground, between defending innovation and suspicions of conflicts of interest.

The United States Wants to Regulate Without Slowing Down: Key Takeaways

The crypto community applauds but remains vigilant. The industry hopes that this legal foundation will unlock institutional investments by reassuring regulators and users.

Special Bullet Point on Numbers:

• 294 votes for the CLARITY Act, despite tense partisan lines;
• 219 against 210, a close score to ban the creation of a digital dollar or CBDCs;
• More than 5,000 chocolate bars distributed in Washington by Coinbase to promote regulation (source: CNBC);
• 1 in 5 Americans holds crypto (Morning Consult, 2025);
• More than 100 Democrats voted for the GENIUS Act, showing real bipartisan support.

Voices from the industry also resonate: Brian Armstrong (Coinbase) hailed a major advance:
“We are this close to finally having clear rules to allow crypto to grow in the United States.”

While the United States refines its legislation, Europe remains active. MiCA is no longer enough. Brussels is already working on a new targeted legal framework for DeFi, with a first draft expected as early as 2026. This regulation could force developers to comply with obligations similar to those of banks — audits, KYC, even minimum capital requirements. A discreet but potentially heavy offensive, reigniting fears of authoritarian overreach in a space born to escape centralized logics.

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