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Unbank explores The GENIUS Act:

Stablecoins go from theory to purpose. The future is bright...and shiny.

Tue Sep 09 2025

Cryptocurrency

8 min read

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Imagine a world where digital tokens backed by real dollars, known as stablecoins, are not a fringe digital oddity, but everyday cash. That future just got a major legislative boost through the newly passed GENIUS Act, the first federal law in the U.S. to formalize stablecoin regulation. What’s unfolding is nothing short of a digital currency transformation. Here’s how it works and why it matters.

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1. Stablecoins Get Real (Backed by Real Dollars)

Before the GENIUS Act, the stablecoin space was a kind of Wild West: only some had full dollar backing, audits were infrequent, and issuers flew under regulatory radar. The new law changes that:

Every stablecoin must be fully backed, either by cash or U.S. Treasury assets. No more fuzzy fractional backing.

Issuers must be approved (“Permitted Issuers”) and undergo regular, independent audits.

Clear oversight by regulators now stands at the heart of how these coins operate.

In short? Stablecoins now look and feel like trusted digital cash, not experimental tokens.

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2. Welcome, Big Brands

Once a truly regulated path was in sight, big payment networks and brands started lining up:

Visa and Mastercard are exploring issuing stablecoins or integrating them into their vast networks.

Amazon, Walmart, Meta, names you likely associate with everyday spending, are now eyeing stablecoin acceptance for seamless digital payments.

Banks like JPMorgan and Citibank are also dipping toes into the space, adding credibility and scale.

These are not obscure digital corners anymore: stablecoins are stepping into mainstream money lanes.

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3. The “No Interest” Rule and a Clever Side Door

The law includes a ban on issuers paying interest on stablecoin holdings, a move meant to control risk. However, savvy platforms have found a way to offer “rewards” or “yield”, framed as user incentives rather than interest. This workaround preserves crypto business models while technically staying compliant.

Traditional banks are watching closely, concerned stablecoin rewards could pull deposits away, making this one of the most interesting regulatory developments to watch next.

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4. Beyond Regulation: A Signal Heard Worldwide

The GENIUS Act isn’t just a U.S. internal memo, it’s a global signal.

Japan, Singapore, the EU, the U.K., and Hong Kong are all working on their own stablecoin frameworks.

The U.S. passing a stablecoin law first sends a message: digital currencies aren’t a toy or a crime, they’re real financial tools that need oversight.

This clarity is helping governments and financial institutions everywhere move from skepticism to structured engagement.

Why This Matters For Everyday Users

Trust Matters: Now, stablecoins tagged “Genius-approved” come with official support, fully backed, audited, and overseen by regulators.

Speed Meets Security: Imagine making payments that clear instantly, day or night, without waiting days for processing, and without worrying if the coin backing your dollars is genuine.

Innovation Is Accelerating: When brands, banks, and platforms feel safe building stablecoin infrastructure, UX, wallets, and use-cases soar, think instant tipping, micropayments, or seamless merchant check-outs.

Accessibility Grows: With regulated rails in place, anyone with a digital device can move money globally with confidence, low fees, and minimal friction.

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Thought High Street, Not Fringe Code

At its core, the GENIUS Act is about moving stablecoins from speculative code to practical purpose. The law removes ambiguity and invites innovation on solid ground. Suddenly, these digital tokens are not just a bet on crypto - they’re a bet on frictionless, trusted digital cash. So if you’ve ever wondered whether stablecoins could live up to the hype. Now you have your answer. Regulation is transforming them into something useful, everyday, and powerful. And as digital currency evolves, that clarity isn’t just helpful, it’s revolutionary.

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