Stablecoins just got serious.
The U.S. Senate recently passed the GENIUS Act — landmark legislation that doesn’t just regulate stablecoins...
It redefines them as strategic assets at the heart of the digital dollar era.
Here’s what led to it — and why @Ripple USD is gaining significant momentum in the stablecoin race 🧵👇
Let’s rewind.
Three powerful dynamics pushed the U.S. toward this decisive moment:
🔹$27.6T in stablecoin transaction volume (2024) — > Visa + Mastercard combined
🔹 China’s digital yuan expansion
🔹 Political alignment (yes, lobbying mattered)
The stakes? Dollar dominance.
Regulation followed the urgency.
Fragmented state rules held back stablecoin growth for years.
The GENIUS Act changed that — with a federal framework that welcomes:
✅ TradFi banks
✅ Fintechs
✅ Global investors
✅ Compliance-first crypto issuers
This wasn’t just about fintech.
Treasury Secretary Scott Bessent estimates GENIUS-related reserve requirements could drive $2T+ in demand for U.S. Treasuries.
Stablecoins = macro tools.
The U.S. is playing offense — and it’s using stablecoins to do it.
Enter the markets.
Right after the Senate vote:
📈 Circle stock jumped 34%
📈 Stablecoin market cap hit $251.7B
📈 Bitcoin + Ethereum ETFs surged with $3.5B+ in inflows
Institutions got the signal. Compliance is now alpha.
And the emerging powerhouse disrupting the stablecoin market?
📌 RLUSD
✔️Launched under NYDFS.
✔️Backed 1:1 by cash + Treasuries.
✔️Audited.
✔️Token controls baked in.
But here’s what sets it apart👇
Ripple has formally applied for a national banking license (OCC) and a Fed master account via its subsidiary, Standard Custody.
This would allow RLUSD reserves to be held directly with the Fed — boosting trust, transparency, and long-term regulatory alignment.
This changes everything.
Stablecoins aren’t fringe tools anymore.
They’re programmable, real-time, compliant dollar rails — and nations are racing to own this layer.
The GENIUS Act sets the U.S. apart.
RLUSD is the first. But they won’t be the last.
And this shift is global.
🇪🇺 MiCA in Europe
🇸🇬 PSA in Singapore
🇭🇰 Stablecoin regime launched
🇨🇳 e-CNY as state-only digital currency
But what makes the U.S. model different-
is the bill's potential impact on the global financial system
That’s what makes the GENIUS Act... genius.
In this week’s Crypto Market Monitor, we break it all down:
📌 The road to GENIUS
📌 Why RLUSD stands out
📌 How stablecoins are reshaping finance — not just in the U.S., but globally
Read the full breakdown 👇
🔗
#Ripple #RippleUSD #RLUSD #XRPL #Stablecoins #GENIUSAct
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