Did the GENIUS Act Pass? Trump Signs Historic Stablecoin Law – Full Timeline & Implications

2026/02/25 08:42:02

Custom

Key Takeaways: Did the GENIUS Act Pass?

Yes, the GENIUS Act has passed both the Senate and House and is now official U.S. federal law.
President Donald Trump signed the GENIUS Act into law on July 18, 2025.
No further votes are scheduled — the bill has already been enacted and is active.
The GENIUS Act creates the first comprehensive federal framework for paying stablecoins in the United States.

The questions “Did the GENIUS Act pass?”, “Did Trump sign the GENIUS Act?”, and “When will the GENIUS Act be voted on?” are among the most frequently asked by crypto investors in 2026. The short and clear answer is: Yes, the GENIUS Act has already passed and was signed into law by President Donald Trump on July 18, 2025. No further votes are required — the legislation is now active federal law.

This landmark bill, formally titled the Guiding and Establishing National Innovation for U.S. Stablecoins Act, represents the first comprehensive federal regulatory framework for payment of stablecoins in the United States. For traders and investors, understanding the GENIUS Act is crucial because it directly affects stablecoin issuers, institutional adoption, liquidity, and long-term opportunities in the crypto market.

What Is the GENIUS Act?

The GENIUS Act establishes clear national rules for USD-referenced (or similarly pegged) stablecoins used for payments and settlement. Before this law, stablecoin oversight was fragmented across state money-transmitter licenses and unclear federal guidance. The GENIUS Act replaces this patchwork with a unified framework.

Key provisions include:

Licensing requirements for stablecoin issuers
100% reserve backing with high-quality liquid assets
Monthly reserve disclosures and independent audits
Timely redemption rights at par value for holders
Strong AML/CFT and sanctions compliance
Prohibition on misleading claims that stablecoins are government-backed or federally insured

For a detailed breakdown of the GENIUS Act and its core provisions, refer to KuCoin’s comprehensive guide: What Is the GENIUS Act?.

Did Trump Sign the GENIUS Act?

Yes. President Donald J. Trump signed the GENIUS Act into law on July 18, 2025. The White House described the signing as a historic step that will help the United States lead the global digital currency revolution while protecting consumers and maintaining financial stability.

When Will the GENIUS Act Be Voted On?

The GENIUS Act has already been voted on and enacted. It passed the Senate on June 17, 2025 (bipartisan vote 68–30) and the House on July 17, 2025 (bipartisan vote 308–122). No additional votes are scheduled. The bill is now Public Law No: 119-27 and is in effect.

For deeper insight into how the GENIUS Act fits into the broader 2026 regulatory landscape, see KuCoin’s analysis: 2026 Global Stablecoin Regulation Guide.

Long-Term Impact on Crypto Markets and Investment Opportunities

The passage and signing of the GENIUS Act is widely regarded as one of the most important positive developments for the U.S. crypto industry in recent years. Its effects are already being felt across multiple areas:

Institutional Confidence — Clear federal rules and strong consumer protections make stablecoins more attractive to banks, asset managers, and corporations.
Liquidity Growth — Regulated stablecoins are becoming preferred settlement tools for tokenized securities, payments, and on-chain finance, potentially unlocking billions in new capital flows.
Opportunities for Potential Tokens — Projects building compliant stablecoin infrastructure, payment solutions, or tokenized real-world assets now operate in a clearer regulatory environment, improving their long-term viability.
Reduced Systemic Risk — Strict reserve and transparency requirements lower the chance of runs or failures, supporting healthier market growth.

For traders and investors, the GENIUS Act creates a more structured playing field. Compliant projects and tokens tied to regulated stablecoin ecosystems are likely to benefit from increased institutional participation and liquidity premiums over time.

Trading & Investment Insights After the GENIUS Act

The GENIUS Act does not eliminate volatility, but it provides clearer signals for smart capital allocation:

Focus on Compliance — Prioritize tokens and projects that operate within or directly benefit from the GENIUS Act framework (regulated stablecoin issuers, RWA platforms, compliant payment solutions).
Liquidity Premium — Tokens linked to regulated stablecoins often enjoy better liquidity and lower volatility as institutional money flows in.
Risk Management — Use the Act’s transparency requirements as a due-diligence filter. Avoid projects with unclear reserves or misleading marketing claims.
Opportunity Identification — Look for early-stage tokens in payments, tokenized assets, or infrastructure that align with the new regulatory standards — these have higher potential for sustained growth.
Portfolio Strategy — Allocate a portion of capital to “GENIUS Act beneficiaries” for long-term exposure while maintaining diversification across other sectors.

The Act also highlights the importance of monitoring enforcement trends and global regulatory alignment (such as MiCA in Europe), as these will influence cross-border flows and capital movement.

Conclusion

The answers to “Did the GENIUS Act pass?”, “Did Trump sign the GENIUS Act?”, and “When will the GENIUS Act be voted on?” are now clear: the bill passed Congress, was signed into law by President Trump on July 18, 2025, and is now active federal legislation.

The GENIUS Act creates the first comprehensive national framework for payment stablecoins, bringing much-needed regulatory clarity to one of the most important segments of the crypto market. For investors, it represents a structural positive that supports institutional adoption, improves liquidity, and opens new opportunities in compliant projects and related tokens.

As the U.S. moves toward a more mature regulatory environment, understanding the GENIUS Act and its implications will be essential for identifying high-quality opportunities and managing risk in the evolving crypto landscape of 2026 and beyond.

FAQs

Did the GENIUS Act pass?

Yes, the GENIUS Act passed the Senate and House in June and July 2025 and is now official U.S. federal law.

Did Trump sign the GENIUS Act?

Yes, President Donald J. Trump signed the GENIUS Act into law on July 18, 2025.

When will the GENIUS Act be voted on?

No further votes are needed. The bill has already passed Congress and been signed into law.

What does the GENIUS Act do?

It establishes licensing, 100% reserve requirements, transparency rules, redemption rights, and strong AML/CFT standards for payment stablecoin issuers in the United States.

How does the GENIUS Act affect crypto investors?

It creates a safer, more predictable environment for stablecoins, boosts institutional confidence, and helps investors identify higher-quality, compliant projects with stronger long-term potential.