XRP News Today: GENIUS Act Introduces Federal Stablecoin Regulation

The GENIUS Act, signed into law by President Donald Trump on July 18, 2025, introduces a comprehensive regulatory framework for stablecoins in the United States. This legislation is overseen by both federal and state banking authorities, marking a significant milestone in the regulation of digital assets. The Act aims to provide clarity and stability to the digital assets industry, particularly affecting major players like XRP and RLUSD.

The GENIUS Act establishes a federal regulatory framework for stablecoins, with oversight managed by federal bodies such as the Office of the Comptroller of the Currency (OCC) and state-qualified authorities. This framework is designed to clarify regulations surrounding digital assets, ensuring that permitted stablecoin issuers meet strict compliance standards. Despite the market's anticipation, XRP leadership has not released any official statements regarding the Act.

The impact of the GENIUS Act on stablecoins like USDC, RLUSD, and XRP is indirect, primarily due to their roles as bridge assets in cross-border settlements. The Act mandates that firms operating in this realm ensure one-to-one reserve backing and transparency in their operations. Ripple's leaders have yet to comment on any strategic adjustments they may make in response to this legal change.

President Donald Trump emphasized the significance of the GENIUS Act, stating, "The GENIUS Act puts the United States at the forefront of responsible digital asset innovation, bringing clarity for businesses and protection for consumers." The Act's implementation will span 18 months, allowing for full compliance and integration into the existing financial framework.

The GENIUS Act has the potential to reshape financial markets by fostering institutional interest and elevating certain stablecoins. Historically, regulatory moves of this nature have led to enhanced adoption and integration of digital currencies within established financial systems. This could pave the way for greater acceptance and use of stablecoins in various financial transactions and settlements.