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- Source: inbox/archive/2025-07-18-genius-act-stablecoin-regulation.md - Domain: internet-finance - Extracted by: headless extraction cron (worker 4) Pentagon-Agent: Rio <HEADLESS>
37 lines
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2.3 KiB
Markdown
37 lines
No EOL
2.3 KiB
Markdown
---
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type: entity
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entity_type: regulation
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name: "GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins of 2025)"
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domain: internet-finance
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status: active
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legislation_number: "S.1582"
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signed_date: 2025-07-18
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implementation_deadline: 2027-01-18
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key_provisions:
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- "1:1 reserve backing (cash or short-term US Treasuries)"
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- "Monthly reserve disclosure required"
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- "Consumer protections for insolvency"
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- "Stablecoins explicitly NOT securities"
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- "Subject to Bank Secrecy Act (AML)"
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- "Interest payment prohibition for issuers"
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tracked_by: rio
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created: 2026-03-11
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---
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# GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins of 2025)
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## Overview
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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.
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## Timeline
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- **2025-07-18** — GENIUS Act signed into law by President
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- **2026-07-18** — Deadline for supervisory agencies to publish implementing rules
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- **2027-01-18** — Latest date for regulations to take effect
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- **2026-02-26** — FDIC reportedly pushing narrow interpretations that could restrict crypto-native stablecoin models (CoinDesk)
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- **2026-03-10** — Senators attempting to unlock stalled Digital Asset Market Clarity Act with compromise on stablecoin yield (CoinDesk)
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## Relationship to KB
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- [[genius-act-creates-first-legal-precedent-distinguishing-payment-stablecoins-from-securities]] — primary claim on legal precedent
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- [[stablecoin-regulatory-clarity-reduces-one-layer-of-classification-risk-for-crypto-capital-vehicles]] — implications for DAO and futarchy structures
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- [[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
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- [[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 |