U.S. Crypto Regulation Reaches Turning Point as Federal Framework Takes Shape
CertiK's 2025 report signals a seismic shift in U.S. crypto regulation. Three federal actions—the GENIUS Act, CLARITY Act, and SEC's reversal of Accounting Bulletin 121—have created the first coherent national framework. Stablecoin issuers now face uniform reserve requirements, while custody providers operate under predictable rules.
The changes come after years of regulatory ambiguity that stifled institutional participation. Banks and trust companies can now engage with digital assets knowing exactly where compliance boundaries lie. "This isn't just clarity—it's a runway for adoption," notes a CertiK analyst.
State-level regulations continue evolving in parallel, creating a complex but navigable landscape. The report highlights how crypto-native companies and traditional financial institutions are adapting their operations to meet both federal mandates and local requirements.
