New Cryptocurrency Law in Eua: What You should Know about Genius and Clarity

The United States Congress approved this week the new Cryptocurrency Law in the USA, composed of two key legislative pieces: the GENIUS Act and the CLARITY Act. These initiatives seek to structure a clear and reliable regulatory framework for stablecoins and digital assets, responding to historical demands from the crypto industry. Here at Líder Empresarial we explain it in detail, in addition to its impact.

¿qué Implica La Nueva Ley De Criptomonedas En Eua Para El Sector Digital?1090

Genius Act: First Regulatory Milestone on Stablecoins1167

The new Cryptocurrency Law in the USA begins with the GENIUS Act (Guiding and Establishing National Innovation for US Stablecoins Act), which was signed by President Trump on July 18 after a historic consensus in the Capitol (308-122 in the House, 68-30 in the Senate). This first element of the new Cryptocurrency Law in the USA establishes:

• Mandatory federal-state licenses for stablecoin issuers
• One-to-one backing with liquid assets such as dollars or Treasury bonds
• Monthly reports and annual audits of reserves
• KYC/AML obligations and supervision under the Bank Secrecy Act These rules provide operational clarity and support the confidence of both the public and investors.

Clarity Act: Defines Jurisdictions of the Crypto Market1930

Now, complementing GENIUS, the new Cryptocurrency Law in the USA includes the CLARITY Act, approved by 294-134 votes in the House and now awaiting the Senate. This act defines:

• Differentiated roles between the SEC and CFTC: SEC will regulate digital securities, CFTC will supervise digital commodities like Bitcoin
• Registration rules for exchanges, brokers, and custodians
• Rules on custody, segregation of funds, and consumer protection Thus, the new Cryptocurrency Law in the USA provides the digital asset market with a more solid and predictable legal framework.

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Benefits and Challenges of the New Cryptocurrency Law in the Usa2915

Main advantages associated with the new Cryptocurrency Law in the USA include:

• Boost to institutional adoption and participation of traditional banks in stablecoins
• Greater confidence for investors after the requirement of real reserves and audits
• Stimulus to innovation thanks to clear and competitive regulation, in line with European or Asian standards However, there are challenges and criticisms:
• Concerns about significant state surveillance and the risk of “shadow banking”
• Some voices warn that regulation favors large players, creating barriers for startups and fintechs
• Certain measures, such as the prohibition of a CBDC, could limit future innovations

A Historical Advance in the New Cryptocurrency Law in the Usa3668

However, the implementation of the GENIUS Act and the CLARITY Act represents a milestone for the regulation of the most comprehensive Asset to date. Its objective is to balance consumer protection with the promotion of technological innovation, consolidating American leadership in digital assets. Finally, experts agree that this legislation redefines the parameters of the crypto market, strengthening its global legitimacy, although they warn that it will be crucial to observe how it translates into practical regulation and whether it truly opens space to the entire industry, not just the big players.

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