Guides
GENIUS Act explained: what the US stablecoin law requires and who enforces it
The GENIUS Act is the US federal law for payment stablecoins. It requires full reserves, quick redemption and no interest for simply holding a token, and it takes effect on January 18, 2027, under the OCC's final rule.
Policy
Stablecoin issuers need OCC approval by January 18, 2027. Applications are not open yet
The US bank regulator finalized its GENIUS Act rule on October 21, 2026. Issuing a US payment stablecoin without approval becomes a crime in January, and existing issuers will lean on waivers.