Explore how upcoming US stablecoin regulations may impact assets like USDC and USDT — who stands to benefit, and which stablecoins face greater risks.

Stablecoins are tremendously popular in the crypto industry, with assets like 

, Sky Dollar (USDS) and numerous others used for on-ramping, off-ramping, value storage and transfers to ensure stability and rate predictability. For instance, the USDT stablecoin usually features higher trading volumes than even Bitcoin (BTC) or any other cryptocurrency on the market. As of the time of this writing (Apr 8, 2025), three out of the top seven crypto assets by daily trading volumes are stablecoins — USDT, USDC and First Digital USD (FDUSD).

Given the popularity and active use of stablecoins, regulatory bodies around the world have taken measures to control the operation of these assets. The European Union (EU), UK and key crypto hubs in Asia (such as Hong Kong and Singapore) have passed laws providing varying levels of regulatory oversight for stablecoin cryptocurrencies. Unlike these jurisdictions, the US has yet to implement comprehensive federal-level laws regarding stablecoin issuance, trading and other operations.

However, 2025 might finally see the first US legal framework addressing stablecoin regulation. It’s expected that a couple of legislative acts concerning stablecoins — the STABLE Act and GENIUS Act — will be considered by the US House of Representatives and the Senate in the coming months, and may be enacted later this year. If implemented, these laws will bring significant clarity to the regulation of stablecoins in the US market. 

As a result of these regulatory changes, some stablecoin assets are widely expected to benefit, while others might find themselves in a more challenging situation.

In this article, we’ll examine the current and expected stablecoin regulatory landscape in the US, compare it with frameworks used in other countries worldwide and discuss which stablecoins may see their standing and popularity boosted by the changes — and which ones are likely to face difficult choices.

 are a cornerstone of the modern crypto trade. Collectively, stablecoin cryptocurrencies typically account for more than half of the daily trading volumes in the crypto market. These assets — many of which are pegged to one of various established fiat currencies — serve as islands of rate stability in a market known for its high volatility. 

As crypto users move their funds between the 

 and traditional banking systems, stablecoins provide the necessary predictability. Their fiat pegs are also a vital magnet for investors who prefer to hold their funds in crypto, but want to maintain their investments’ value without exposure to the market's typical wild fluctuations.

Moreover, individuals and businesses around the world use stablecoins for crypto payments, and for settling transactions that adhere to contractual payment terms. Stablecoins also act as a key bridge between the worlds of crypto and traditional finance, creating potential for the mass adoption of cryptocurrency by the mainstream user community of retailers, investors and consumers.

With so many important use cases, it's no wonder that stablecoin regulation is critical for users, regulatory bodies, asset issuers and all other relevant parties.

Regulation for stablecoins in the US vs. other countries

Yet, as of April 2025, the US still lacks a comprehensive federal-level regulatory framework for stablecoins. There are several laws, both at the federal and state level, that address some aspects of stablecoin operations, but this regulatory environment is patchy and only partially addresses critical stablecoin-related processes.

In contrast to the US, many jurisdictions worldwide have enacted nationwide laws that govern the issuance, management and use of stablecoin cryptocurrencies. For instance, stablecoins have come under regulation in the European Economic Area (EEA) via the Markets in Crypto-Assets Regulation (MiCA), a piece of legislation adopted by the European Parliament in 2023. Similar measures have been implemented in Singapore, the UK, Hong Kong and other jurisdictions known for active 

The adoption of a comprehensive regulatory framework for stablecoins in the US is expected to create opportunities for the broader use of crypto in the world's largest economy. Such a framework would help address many of the challenges posed by the current and largely unregulated use of these assets — lack of certainty on the fiat reserves maintained by issuers, insufficient audit procedures, and an unwillingness on the part of many business and individual users to adopt stablecoins due to trust issues — and more.

Legislators in the US are now working toward enacting a federal-level framework to regulate stablecoins. The framework will depend upon two critical pieces of legislation — the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act and the Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act. As of early April 2025, both acts have been submitted to relevant chambers of the US Congress and are in the pipeline for consideration by the country’s lawmakers.

The GENIUS Act was introduced on Feb 4, 2025, to the US Senate by Republican Senator Bill Hagerty with the support of Democratic Senator Kirsten Gillibrand and fellow Republican Senators Cynthia Lummis and Tim Scott. The Act aims to establish a comprehensive framework to regulate stablecoins. Key points of the Act include the following:

The STABLE Act was introduced on Mar 26, 2025 to the House of Representatives by Republicans Bryan Steil and French Hill. The Act is similar to GENIUS in many ways, and seeks to provide a comprehensive regulatory framework for stablecoins. The key differences between the two Acts are as follows:

US vs. global strategies for stablecoin regulation

In recent years, the EU has been at the forefront of developing and implementing crypto regulation, including provisions concerning stablecoin assets. In May 2023, the European Parliament adopted MiCA, which provides a comprehensive mechanism for overseeing blockchain-based assets. 

Part of MiCA deals with the topic of stablecoins. Under the regulation, the term “stablecoin” isn’t legally defined. Instead, MiCA classifies stablecoins into two asset types — Electronic Money Tokens (EMTs) and Asset-Referenced Tokens (ARTs). The former refers to stablecoins pegged to a single established asset, while the latter is defined as stablecoins that track multiple assets.

MiCA came into effect in December 2024 throughout the EEA, which includes the 27 member states of the EU plus Norway, Iceland and Liechtenstein.

In the UK, the Financial Services and Markets Bill (FSMB) received Royal Assent in June 2023, officially becoming law as the Financial Services and Markets Act 2023 (FSMA 2023). The Act contains clauses under which stablecoins may be recognized as regulated payment assets. Meanwhile, fiat-backed stablecoins may be considered valid payment instruments, depending upon approval by the country’s financial regulators — the Financial Conduct Authority (FCA) and the Bank of England.

In Hong Kong, the territory’s central banking institution (the Hong Kong Monetary Authority, or HKMA) proposed a mandatory Regulatory Regime for Stablecoin Issuers in 2023, calling for strict licensing requirements for stablecoin issuers in Hong Kong. In December 2024, the Hong Kong government published a proposed stablecoin bill that will likely become the first comprehensive framework for regulating stablecoins in the local market.

The Monetary Authority of Singapore (MAS) announced the finalization of its regulatory framework for stablecoins in August 2023. It specifies key requirements for Singapore-based issuers of single-currency stablecoins pegged to the Singapore dollar (SGD) or any G10 fiat currency, which includes the world’s most popular national currencies, such as the US dollar, euro, British pound sterling and Swiss franc, among others. Under the Singapore stablecoin framework, these issuers must satisfy stringent requirements for 

, redemption procedures and even white paper release.

Japan is another Asian jurisdiction with strict and well-defined regulations on the issuance of stablecoins. In June 2022, the country’s parliament passed a bill that established the role of stablecoins and the rules governing their issuance and use. Under the law, only locally licensed banks, money transfer agents and trust companies can issue stablecoins. The law also defines stablecoins as digital money. Japan’s stablecoin law leaves out (and effectively prohibits) the registration of algorithmic stablecoins and stablecoins issued by financial entities not licensed in Japan itself.

In the UAE, issuance and other procedures related to crypto assets are now primarily regulated by the Payment Token Services Regulation released by the country's Central Bank (CBUAE). The regulation came into effect in August 2024, and is focused on a broader spectrum of crypto assets, not just stablecoins. Cryptocurrencies — if they satisfy the licensing requirements set out by the regulator — are classified as payment tokens. Their issuance is only permitted if the Central Bank grants the appropriate license. Stablecoins are specifically addressed in the regulation concerning algorithmic stablecoin assets, whose issuance is explicitly prohibited.

Which stablecoins could gain from regulation?

 is the second-most traded stablecoin in the world. It’s pegged to the US dollar, and is backed by cash and short-term US Treasury bills. USDC was launched by the Centre Consortium, a Boston-based company founded jointly by the Coinbase crypto exchange and the Circle fintech payments provider. On Apr 1, 2025, Circle filed for an 

 (IPO), disclosing that it had acquired Coinbase’s share in the Consortium in 2023.

With its US dollar cash and T-bill reserves fully backing USDC and regular audits, Circle has established itself as a reliable and trustworthy stablecoin issuer. Circle itself is a highly regulated payments provider in the US, both at the federal and state levels. These factors have long established USDC as one of the crypto industry's best and most reliable stablecoin assets. Thus, it’s widely expected that the USDC coin is poised to benefit from the upcoming US regulation of stablecoins.

 is another cash and T-bills backed stablecoin. It's issued by the Hong Kong–based First Digital fintech company. Launched in July 2023, FDUSD steadily rose in the rankings, and has become one of the most popular stablecoins on the market, thanks to its cash and cash-equivalent reserves and monthly reserve attestation reports. These reports have been published since the coin’s mid-2023 launch.

’s backing of required reserves. This accusation led to a quick depegging event, during which the coin dropped to a value of slightly under 95 cents. However, First Digital moved quickly to dispel the accusation, and the price of FDUSD was back to near-parity with the US dollar within hours. First Digital had confirmed that it would be seeking legal action against Justin Sun for his unfounded allegations.

It remains to be seen how the feud between Sun and First Digital plays out, but so far, the stability of the coin and the quick reaction of the issuer provide assurances that FDUSD is a solidly backed asset that may also benefit from the expected upcoming stablecoin laws.

USD1 is an upcoming stablecoin introduced by World Liberty Finance, a 

 (DeFi) venture backed by US president Donald Trump and his family. As of early April 2025, the stablecoin is not yet publicly available, though its launch is expected soon. USD1 is pegged to the greenback and backed by Treasury bills, USD cash reserves and other cash equivalents. It’s expected to be launched on Ethereum (ETH) and Binance Chain (BNB).

There’s been a lot of controversy around the coin, mainly related to the potential conflict of interest due to Donald Trump’s presidential position while having a stake in World Liberty Finance. However, few observers would disagree that the influential backing will only benefit the coin, at least probably until the end of Trump’s presidential term.

The WYST coin is a proposed stablecoin to be launched by the US state of Wyoming. Pegged to the dollar and backed by cash and US Treasury securities, this is likely the first token to be issued by a US government entity. The expected launch date for WYST is around July 2025. Given the stablecoin's state-issued nature, it’s likely to be one of the safest choices on the market, and stands to benefit from any future regulatory framework.

State governments aren’t the only influential players considering their own stablecoins. The world’s third-largest asset management firm, Fidelity Investments, is also looking into launching a stablecoin. As of early April 2025, the company has stated that it’s testing the idea, but has provided no specific details. If launched, the 

 is likely to be among the beneficiaries of any new US regulations, as Fidelity Investments certainly knows how to satisfy the country’s regulatory bodies: the investment world’s giant was founded in 1946, and has nearly $6 trillion in assets under management (AUM).

 (USDT) is the world’s leading stablecoin, based on market cap and trading volumes. Launched in 2014 by Tether Limited Inc., USDT is also among the oldest surviving stablecoins on the market. The coin is backed by US dollar reserves, as stated by its issuer. However, over the years, Tether has come under scrutiny for refusing to conduct full audits, and in 2021 the company was fined $41 million by the US Commodity Futures Trading Commission (CFTC) for misleading the public regarding the levels of its USDT-backing reserves.

Recently, the company has taken some steps to increase its transparency. In March 2025, Tether Limited Inc. appointed a new CFO and announced 

. The issuer has also signaled its preparedness to work with regulatory authorities to launch a domestic US-based stablecoin.

These moves, however, point to future intent by the company, and its current transparency level is unlikely to satisfy regulatory bodies. As such, any future US regulations in this area may pose challenges for USDT.

 is a yield-bearing synthetic stablecoin issued on the Ethereum blockchain by the 

 DeFi protocol. Unlike stablecoins backed by actual fiat reserves or similar assets, USDe is a cryptocurrency whose peg to the US dollar is algorithmically maintained. Both major regulatory bills being considered by US lawmakers (the GENIUS and STABLE Acts) take a cautious view of algorithmic stablecoins. Both bills call for a detailed study of these assets; STABLE proposes to outright ban algorithmic stablecoins for two years. Given the lawmakers' attitudes toward this type of stablecoin, USDe could struggle if the relevant legislation is passed into law.

USDS is another major algorithmic stablecoin. An upgraded version of 

, it’s issued by the Sky protocol, formerly known as MakerDAO (MKR). The coin is backed by surplus collateral that Sky users deposit in various cryptocurrencies. While it maintains overcollateralized reserves to ensure its peg, USDS isn’t directly backed by US dollars or other fiat currencies. Therefore, just like Ethena’s USDe, USDS could encounter challenges in the post-regulation period.

According to the CoinGecko crypto data portal, close to 300 stablecoin cryptocurrencies existed as of early April 2025. However, only the top seven have market caps over $1 billion, and the vast majority feature minimal market cap. Many of these coins are pegged to fiat assets via decentralized algorithms, some of which are obscure or not easily verifiable. Once the future US regulatory framework for stablecoins is implemented, these smaller coins will be unlikely to satisfy licensing requirements.

The road ahead for stablecoin regulation in the US

As of early April 2025, the crypto industry awaits the outcome of voting in both chambers of the US Congress on the GENIUS and STABLE Acts. On Apr 3, 2025, the House Financial Services Committee voted in favor of the STABLE Act, and it will now proceed to a full House vote.

These Acts have been carefully prepared to establish a unified stablecoin regulatory framework in the US. If completely adopted, they’ll result in major changes in the way stablecoins are issued and circulated. Any new federal regulatory framework will also provide certainty for financial institutions dealing with stablecoins.

Several governmental entities, including the SEC, the National Credit Union Administration (NCUA) and the Federal Reserve, will play crucial roles in the operation of regulated stablecoins in the US. Federal securities laws may also apply if any stablecoin is designated as having security status.

Under the new regulatory framework, stablecoin issuers would become subject to stringent regulatory oversight. Stablecoins that pass regulatory requirements will likely experience increased use within the traditional finance field. On the other hand, unregulated stablecoins may lose their appeal among investors unless they adapt to the new regulatory environment.

The US is still lagging behind Europe and key Asian crypto markets regarding stablecoin regulation. However, the GENIUS and STABLE Acts recently introduced to the Senate and the House of Representatives (respectively) are likely to provide the necessary regulatory environment to provide certainty to all parties involved — issuers, holders, financial institutions and regulatory bodies themselves.

If implemented in full or to a substantial degree, these regulatory laws may benefit stablecoins that are strongly backed by established fiat assets and demonstrate transparency via audits. At the same time, algorithmic stablecoins or assets without transparent reserves and audit procedures may face reduced demand.

As of early April 2025, the exact details of the expected regulatory regime aren't completely settled, and we'll need to wait on the big votes in both chambers of the US Congress.

Intermediate

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US stablecoin regulation: Which stablecoins could benefit — and which ones pose risks?

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Solana launches confidential balances for enhanced privacy and compliance

In this article, we break down Circle’s IPO plans and financials, and dive into whether this development could signal more public listings for the crypto industry.

Could 2025 be the year crypto enters public markets with institutional momentum? That question is gaining traction after Circle — the company behind stablecoin giant USDC — filed for an 

 (IPO) in order to be listed on the New York Stock Exchange under the ticker symbol CRCL. Backed by major underwriters like JPMorgan and Citi, the move could mark a regulatory milestone for how crypto-native firms engage with Wall Street.

In this article, we break down Circle’s IPO plans and financials, and consider whether this development could signal more public listings for the crypto industry.

Circle is a US-based financial technology firm founded in 2013 by Jeremy Allaire and Sean Neville. The company specializes in blockchain infrastructure and digital asset issuance, with a focus on integrating crypto rails into traditional finance. Circle is registered with US regulators and operates under a compliance-first framework that appeals to institutional partners.

, is a fiat-backed stablecoin pegged to the US dollar. Each USDC digital dollar is backed 1:1 by cash and short-term US Treasury securities, with 

 attested monthly by independent accounting firm Deloitte & Touche LLP. 

 (DeFi), cross-border payments and institutional on-chain settlement. It’s currently the second-largest stablecoin 

, and is supported across major exchanges and blockchains, including Base, Ethereum, Polygon PoS and Solana. 

The stablecoin market has grown into a critical pillar of the digital asset ecosystem.

The stablecoin sector has seen a surge in institutional interest, with Trump-backed 

 preparing to launch a US-linked stablecoin for compliant payment infrastructure. Furthermore, 

 a proprietary stablecoin in order to improve fund settlement and cash management.

These trends underscore growing institutional and political interest in programmable digital dollars on the blockchain.

Circle previously attempted to go public via a $9 billion 

SPAC) merger with Concord Acquisition Corp. in 2021. Ultimately, the merger was canceled due to regulatory delays. 

In 2025, the company has refiled with the SEC to pursue a traditional IPO on the New York Stock Exchange (NYSE) under the ticker CRCL.

If successful, Circle could become the first major stablecoin issuer to go public in the US.

Circle’s S-1 filing offers insight into the economics of a stablecoin issuer.

While Circle’s model is profitable, income is sensitive to interest rate changes and market volatility.

Will Circle’s IPO spark a wave of crypto IPOs?

Circle’s IPO may serve as a turning point, much like Coinbase’s 2021 debut that brought institutional credibility to 

 (CEXs). However, Circle’s positioning as a regulated stablecoin issuer gives it a distinct institutional profile.

 for public listings include Gemini, the US-based exchange founded by the Winklevoss twins; Ripple, the payments firm and XRP holder under CEO Brad Garlinghouse; Kraken, a leading US-based exchange founded by Jesse Powell; Digital Currency Group (DCG), a leading crypto investor and builder founded by CEO Barry Silbert; and Consensys, the blockchain software firm founded by Ethereum co-founder Joseph Lubin. 

Key factors influencing IPO readiness include market conditions, which can help sustain investor interest; regulatory clarity, for token classification and issuer compliance; and political support, such as that of the current US administration, whose pro-crypto stance may reduce barriers to entry. Still, volatility and regulatory overhangs remain, and Circle’s outcome could either embolden or discourage future crypto listings.

Circle’s IPO filing marks a significant moment for the crypto industry, potentially paving the way for a new wave of digital asset companies to access public markets. As a regulated stablecoin issuer with strong financials, Circle could set a precedent for how crypto firms are evaluated and listed. While the move signals growing institutional acceptance, the path ahead remains uncertain, and in addition is subject to regulatory outcomes and broader market conditions.

What do you think — could Circle’s IPO unlock a new chapter for crypto on Wall Street? 

 and share your thoughts for a chance to win from a 2,500 USDT weekly prize pool.

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Crypto's Next Big IPO: Will Circle’s listing usher in more crypto IPOs?

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web3

Memes

Meme coins are inspired by internet jokes and trends. They’re often community-driven and characterized by high volatility and speculative interest.

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Once dismissed as silly tokens only good for a laugh, 

 have surprisingly become significant players in the 

 world. These digital assets born from internet culture have grown beyond their joke origins. Now, they're bringing people together, sparking innovation and offering financial opportunities in the decentralized web. 

Here’s a thought piece on how meme coins are changing the game. They're not just for fun — they're building communities, challenging the norm with transparency and offering the chance for big profits. 

Meme coins are digital currencies inspired by internet jokes and trends. They’re frequently community-driven, and are characterized by high volatility and speculative interest.

The meme coin movement goes beyond simply making money. At the heart of meme coin success lies a tight-knit community. These digital currencies often start as jokes or memes among a small group, but quickly grow into large networks of devoted followers. Meme coins such as 

 create a sense of unity and belonging among holders, which grows with interactions on social media and forums.

The community around meme coins is all about sharing in a cultural phenomenon that crosses borders and supports causes and events. For example, Dogecoin has been used for charity and community projects, demonstrating that these coins can do more than just make you money.

Thanks to the internet, meme coins can catch on fast and gain mainstream attention. Sometimes, big names endorse them, causing their value to skyrocket. Elon Musk’s 

 of Dogecoin has often led to spikes in its price.

Meme coins thrive because they bring people together around a shared culture. Not just investments, they’re about being part of something bigger. This attribute sets them apart from other cryptocurrencies and keeps them going strong, even when the market gets rocky.

Unlike traditional investments or even standard cryptocurrencies, meme coins typically don't pretend to propose groundbreaking technology or complex economic models. Instead, they offer a straightforward deal that's easy to understand — a breath of fresh air for investors overwhelmed by the complex crypto market. The idea behind meme coins is simple: they're speculative assets whose value depends mainly upon community involvement and internet trends. Their creators are open about the risks, embracing the coins’ speculative nature rather than hiding it behind technical details.

Meme coins thrive on viral trends and endorsements from famous people. Endorsements can cause their value to shoot up quickly, though it's often short-lived. Thus, understanding meme coins means paying attention to sentiment and trends, not just technology.

Meme coins exemplify an attempt at a "high alpha" investment strategy, offering the potential for big returns in a short time. Their values can skyrocket, thanks to internet trends and social buzz, rather than solid fundamentals. Coins like 

 or CumRocket can surge in value overnight, often boosted by celebrity endorsements or viral moments.

Nevertheless, this volatility is a double-edged sword. While it attracts risk-takers chasing big profits, it also means investments can abruptly crash. The meme coin market is driven by sentiment, with prices that swing based on social media hype.

Investing in meme coins is like playing a high-stakes game. You could make a fortune if you time it right, but you could also lose your investment just as quickly. Moreover, lack of regulation adds another layer of uncertainty.

Meme coins have a remarkable ability to tap into what's hot in internet culture. They don't just use popular memes, such as Pepe the Frog — they also remain up-to-date with current events, making sure to always be relevant and exciting. However, meme coins don’t just ride the waves of internet culture — they often lead the charge, shaping and amplifying trends.

These coins go beyond entertainment, as they're also shaping discussions in the crypto world. By connecting with the internet's collective consciousness, meme coins can quickly go from niche interests to mainstream sensations, as occurs when they take over social media and crypto forums, influencing what people talk about and trade.

In the decentralized world of web3, meme coins fit right in. They're not just about money — they're symbols of cultural movements, reflecting the values of web3: community-driven governance, open participation and a break from centralized systems.

Ethical Considerations and Investor Awareness

While meme coins offer an innovative and inclusive approach to investing, they also come with ethical challenges. It's not always clear where community spirit ends and predatory behavior begins. Some projects initiate scams known as 

, which take advantage of the viral nature of meme coins by disappearing with investors' money.

Despite their playful image, meme coins carry serious financial risks. They make investing more accessible and can promise big returns, but they also require investors to understand the speculative nature and potential dangers.

 for anyone considering investing in meme coins. People need to know that meme coins are speculative and unregulated, leaving investors vulnerable to manipulation and fraud. Project creators must also be transparent and responsible when communicating with investors, and yet this isn’t always the case. The decentralized and anonymous nature of many meme coin projects raises concerns about their potential for illegal activities. They could thus attract those looking to exploit the system, without clear rules and safeguards.

As the meme coin market grows, regulators may take a more active role in protecting investors. Clear guidelines are essential in order to prevent fraud and keep the meme coin sector ethical and viable.

 blockchain developed by Coinbase, is a platform for hosting numerous meme coins. Among these, the top meme coins based on market capitalization include the following.

To start trading meme coins on Bybit, follow these steps:

Meme coins have morphed from mere internet jokes into significant players in the web3 ecosystem. They foster communities, challenge norms and offer lucrative opportunities. However, they also come with ethical considerations and high risks. As the meme coin market continues to develop, understanding its dynamics and potential pitfalls is crucial for investors. While meme coins offer excitement and innovation, make sure you trade with caution and awareness.

From Meme to Mainstream: The Emergence of Culture Coins and Scene Coins as the New Community Currency

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