The Stablecoin Rulebook Is Here: What the GENIUS Act Means for Crypto Teams
On July 18, 2025, President Trump signed the GENIUS Act into law, marking a pivotal moment for payment stablecoins in the U.S. While immediate headlines focus on regulatory clarity, the deeper implications for crypto builders and operators are just beginning to emerge.
At Beyond Enterprizes, we specialize in helping founders, token projects, and investors interpret these significant policy shifts and translate them into actionable business strategy.
What’s in the GENIUS Act?
The Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act is the clearest federal signal yet that stablecoins are here to stay—but only under strict rules.
Key provisions include:
Only “permitted issuers” can offer payment stablecoins, defined as digital assets redeemable at a fixed dollar value.
Issuers must:
Be an FDIC-insured depository institution, or
Be a federally qualified nonbank payment issuer, or
Operate under a state-qualified stablecoin framework with restrictions.
Reserves must be held 1:1 in high-quality liquid assets, primarily U.S. dollars and Treasury bills.
Monthly public disclosures of reserves and redemption procedures are required.
State-based issuers may not exceed $10 billion in outstanding stablecoins without federal oversight.
Federal regulators (e.g., the Federal Reserve, OCC) are empowered to supervise and coordinate enforcement.
Why This Matters
The GENIUS Act establishes a legal foundation for stablecoins that could fundamentally reshape how they are:
Issued and backed
Integrated into payment systems and exchanges
Viewed by institutional investors and regulators
For U.S. projects and any global team serving U.S. users, this raises important strategic questions:
Are your partners issuing compliant stablecoins?
Are your treasury operations or DeFi protocols exposed to non-compliant assets?
How might this shape investor expectations in your next fundraising round?
What We’re Doing
At Beyond Enterprizes, we're actively guiding projects to navigate these changes by helping them evaluate:
How the GENIUS Act may influence stablecoin utility in your product design.
What new strategic and operational partnerships may be needed for compliance.
How to adapt your token strategy, communications, and investor materials to reflect this evolving regulatory landscape.
Our expertise lies in empowering you to ask the critical questions and develop robust business strategies that ensure clarity and progress in this rapidly evolving environment.
Let’s Talk
If your project involves stablecoins, serves U.S. users, or interacts with regulated financial infrastructure, the time to reassess your strategy is now. We'd be pleased to share our insights or connect you with specialized advisors where appropriate.
Connect with us to discuss your path forward.
