// definition
GENIUS
GENIUS Act
Short definition
The US payment-stablecoin law enacted on July 18, 2025, establishing an issuer approval, reserve and oversight regime. Section 20 sets its effective date as the earlier of January 18, 2027, or 120 days after the primary federal payment-stablecoin regulators issue final implementing regulations.
risk atlas
Knowledge map
Intuition
The GENIUS Act defines the legal plumbing of the payment stablecoin in the United States.
Why it matters now
It shifts the risk from the technical question to reserve quality, oversight, conflicts of interest and actual enforcement.
Related analyses
- RealT in liquidationReal-estate RWA, off-chain title and on-chain promise.
- USDT on Tron and OFAC evasionStablecoins, sanctions and geopolitical payments.
Related guides
- Stablecoins and the GENIUS ActReserves, licensed issuers, audits and supervision.
- Who enforces the GENIUS ActOCC, FinCEN, OFAC, states and the enforcement architecture.
Related datasets
- catalog.jsonMachine-readable catalogue of l0g surfaces.
- claims.jsonClassified claims with their evidence level.
- evidence-graph.jsonClaims, evidence and their sources as a graph.
- risk-diff.json1, 7 and 30-day diff of signals, sources and models.
Signals using it
- Risk DiffRecent change in risk and source freshness.
- Black Box RecorderHashed frames to replay a point-in-time state.
Primary sources
- Congress.gov & GovInfoLegislative texts, including the GENIUS Act and US crypto policy.
- U.S. Treasury Fiscal DataT-bills and short debt serving as stablecoin reserves.
- SEC EDGARDisclosures of listed issuers and crypto-exposed companies.
- Federal Reserve & FREDShort rates, dollar liquidity and risk-free assets.
- GENIUS Act, enacted lawSections 2, 3 and 20: PPSI status, issuance and the effective date.