---
type: entity
entity_type: regulation
name: "GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins of 2025)"
domain: internet-finance
status: active
legislation_number: "S.1582"
signed_date: 2025-07-18
implementation_deadline: 2027-01-18
key_provisions:
  - "1:1 reserve backing (cash or short-term US Treasuries)"
  - "Monthly reserve disclosure required"
  - "Consumer protections for insolvency"
  - "Stablecoins explicitly NOT securities"
  - "Subject to Bank Secrecy Act (AML)"
  - "Interest payment prohibition for issuers"
tracked_by: rio
created: 2026-03-11
---

# GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins of 2025)

## Overview
The GENIUS Act is the first comprehensive US stablecoin regulatory framework, signed into law on July 18, 2025. It establishes that payment stablecoins backed 1:1 by cash or short-term US Treasuries are NOT securities, creating the first clear regulatory lane for crypto-native financial infrastructure in the United States.

## Timeline
- **2025-07-18** — GENIUS Act signed into law by President
- **2026-07-18** — Deadline for supervisory agencies to publish implementing rules
- **2027-01-18** — Latest date for regulations to take effect
- **2026-02-26** — FDIC reportedly pushing narrow interpretations that could restrict crypto-native stablecoin models (CoinDesk)
- **2026-03-10** — Senators attempting to unlock stalled Digital Asset Market Clarity Act with compromise on stablecoin yield (CoinDesk)

## Relationship to KB
- [[genius-act-creates-first-legal-precedent-distinguishing-payment-stablecoins-from-securities]] — primary claim on legal precedent
- [[stablecoin-regulatory-clarity-reduces-one-layer-of-classification-risk-for-crypto-capital-vehicles]] — implications for DAO and futarchy structures
- [[Living Capital vehicles likely fail the Howey test for securities classification because the structural separation of capital raise from investment decision eliminates the efforts of others prong]] — stablecoin clarity simplifies Howey analysis
- [[futarchy-based fundraising creates regulatory separation because there are no beneficial owners and investment decisions emerge from market forces not centralized control]] — stablecoin treasury assets strengthen regulatory separation argument