The New Rules of Money: GENIUS and CLARITY Acts Reshape Digital Asset Landscape
Stablecoins now dominate global payments, processing $27 trillion in 2024—surpassing traditional networks. Yet collapses like TerraUSD exposed systemic risks, forcing regulators to act.
The GENIUS Act mandates 1:1 reserves and real-time audits for stablecoins, while CLARITY provides a framework for DeFi and exchanges. These laws replace the SEC's ad-hoc enforcement with clear rules, unlocking institutional capital.
Market response has been decisive: compliant stablecoins (USDC, DAI) gained 300% in adoption since 2025, while unbacked alternatives faded. Crypto-native firms now partner with JPMorgan and Citigroup on regulated products.