US Crypto Bills Analysis and Market Impact

Background and Importance of the US Encryption Act

In the past, the encryption industry has long been in a regulatory gray area, lacking consumer protection and compliance standards. Recently, several bills were passed by a large majority in both houses of Congress and signed into law by the President, demonstrating the regulators’ support for a policy direction that is “clear, predictable, and promotes innovation.”

GENIUS Act and Core Specifications

The GENIUS Act requires that stablecoin issuances be backed by 1:1 reserve assets, undergo regular audits, and publicly disclose information to enhance transparency and user trust, establishing a new standard for the stablecoin market.

Highlights of the Clarity Act and the Anti-Retail CBDC Bill

The Clarity Act expands the regulatory scope to cover digital goods and tokenized securities, while the Anti-CBDC Surveillance State Act prohibits the Federal Reserve from directly issuing retail central bank digital currency to individuals, preventing abuse of surveillance power.

Clear regulations bring opportunities for exchanges and institutions.

With clear regulations, major exchanges like Coinbase and Kraken are accelerating their compliance measures to meet KYC and auditing requirements, while traditional financial institutions are more actively positioning themselves in the digital asset market.

Investment Strategies for Beginners

Encourage prioritizing compliant stablecoins and mainstream currencies with public reserves and audit reports, utilize exchange discounts and airdrop activities to diversify investments, while closely monitoring the progress of legislation and flexibly adjusting the position ratios.

Summary

The encryption regulatory environment is maturing, and rationally embracing compliance changes will be key for investors to seize opportunities.