House of House sends Genius Act for sanction of President Trump

In a historical decision, The House of Representatives of the United States approved the GENIUS Act, a pioneering bill that establishes the first federal regulatory framework for stablecoins in the country. After bipartisan approval in the Senate, The proposal now goes to the sanction of President Donald Trump.

Genius Act is part of a broader legislative initiative nicknamed “Crypt Week”, which also includes two other projects: o CLARITY Act, that seeks to define the role of federal agencies in the regulation of digital tokens, and the Anti-CBDC Surveillance State Act, focused on preventing the creation of a US Central Bank digital currency.

Why is this important

A milestone in the regulation of cryptocurrencies

Genius Act represents Congress's first major step in an attempt to regulate the digital asset sector. The new law requires that stablecoins be backed by 1:1 For liquid reserves, as cash in cash or US treasury titles. The broadcasters should publicly disclose their reserves, bringing more transparency to a market often criticized for the lack of supervision.

Impacts on the financial system

Stablecoins - digital assets linked to the value of traditional currencies - already represent a market of 260 billions of dollars and remain rapidly expanding. Its increasing use in payment systems, Remittances and even interbank transfers position them as key elements in the future of money-a future that now begins to be shaped by Genius Act.

Political and ethical concerns

Although the project has gained bipartisan support, Critics point to possible ethical conflicts, especially related to President Trump's investments in cryptocurrencies. Your assets include “meme” coins and blockchain -based financial services. Parliamentarians such as Mrs Maxine Waters expressed concerns that legislation is not enough to prevent systemic risks or abuse against consumers.

Legislative obstacles and political strategy

The vote in the Chamber, postponed by internal resistance from conservative members of the Republican Party, became the longest in the history of the American Congress, lasting almost ten hours. A new vote was necessary after the rejection of a procedural motion. The impasse was resolved after President Trump's direct intervention, who has publicly defended pro-criminal policies as part of his economic view.

Market reactions

The cryptocurrency market has reacted strongly to the approval of the project. Bitcoin surpassed the US $ 119.000, Ethereum had superior appreciation proportionally, and Circle's actions - Stablecoin USDC broadcaster - 14% After voting in the Senate. Analysts also pointed out that large companies, like Amazon, PayPal e Walmart, already explore stablecoins -based payment systems as a way to reduce rates and accelerate transactions.

Next Steps

With Genius Act now at the president's table, StableCoins Emitters must prepare to meet the new federal requirements. About that, Clarity Act and Anti-CBDC projects go to Senate appreciation, where they must face a more intense legislative debate.

This new regulatory framework represents an important structural change, positioning the United States as leaders in building the future of digital finance, while seeking to balance innovation, consumer security and protection.

Editorial Perspective

Genius Act indicates that Washington has failed to ignore digital assets-is now starting to regulate them. For entrepreneurs, fintech startups and American institutional investors, This represents both an opportunity and a challenge. Regulatory clarity can stimulate innovation and trust, But success will depend on how these rules will be applied and supervised.

As cryptocurrencies continue their transition from the periphery to the center of global finance, Questions such as responsibility, transparency and political influence should shape the next phase of the economic evolution of the United States.

Editor's note

Genius Act indicates that Washington has failed to ignore digital assets-is now starting to regulate them. For entrepreneurs, fintech startups and American institutional investors, This represents both an opportunity and a challenge. Regulatory clarity can stimulate innovation and trust, But success will depend on how these rules will be applied and supervised.

As cryptocurrencies continue their transition from the periphery to the center of global finance, Questions such as responsibility, transparency and political influence should shape the next phase of the economic evolution of the United States.

⸻

Assignment: This article is based on the original axios report, intitulada “House passes GENIUS Act, the first major stablecoin regulation”, published in 17 July 2025. The full version is available in Axios.com.