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Congress also delivered long-awaited clarity through the GENIUS Act, which set strict rules for stablecoin issuers. The law mandates 100% reserve backing, bans rehypothecation, and assigns federal oversight. As the analyst notes, this effectively transforms stablecoins into legally recognized digital dollars.

Why This Matters for Crypto

This past year shows the U.S. is not banning crypto, nor fully deregulating it. Instead, it is absorbing crypto into its financial core. Regulatory debates still exist, especially around privacy tools like Tornado Cash, but those tensions reflect institutional checks rather than policy reversal.

For crypto markets, Bitcoin’s 2025 run under Trump was volatile but constructive. BTC surged above $109,000 early in the year on pro-crypto optimism and regulatory clarity, then sold off sharply after Trump’s tariff announcements hit risk markets. 

Despite the pullback, adoption kept rising through state reserves and corporate Bitcoin treasuries, helping BTC recover and rally again. After the Fed cut rates in September, Bitcoin surged to a new all-time high near $125,800 in October, with bullish macro conditions reviving upside expectations.

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FAQs

How might the SEC’s shift from enforcement to structured regulation impact crypto investors?

A clear regulatory framework reduces legal uncertainty, encouraging institutional investment and enabling startups to innovate without fearing unexpected lawsuits.

What are the potential effects of crypto firms gaining federal bank charters?

National trust bank charters allow firms like Circle and Ripple to operate nationwide, speeding up transactions and integrating crypto more closely with traditional finance.

What could the CFTC’s approval of crypto as collateral mean for markets?

Treating crypto like traditional financial collateral allows derivatives and lending markets to expand, increasing liquidity and encouraging broader institutional adoption.