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GENIUS Act Becomes US Law July 18, 2025, Mandating 1:1 Stablecoin Reserves - Briefs Finance

Detected July 22, 2026 · in Money Services & Money Transmitters

The GENIUS Act, signed into US law on July 18, 2025, mandates that all stablecoin issuers maintain 1:1 reserves with high-quality liquid assets, impacting money transmitters and crypto firms.

Aforeworn detected this change in the Money Services & Money Transmitters space on July 22, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated High urgency. Money transmitters, crypto firms, fintech wallets, and payment processors dealing with stablecoins should confirm how it applies to their specific situation before acting. There is a time constraint attached: Effective immediately; compliance deadlines may vary by issuer size (consult legal counsel for specific timelines).. Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Money Services & Money Transmitters continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.

What changed

Stablecoin issuers must now hold reserves equal to the face value of all outstanding tokens in cash or cash equivalents, with monthly attestation and quarterly reporting to regulators.

Who it affects

Money transmitters, crypto firms, fintech wallets, and payment processors dealing with stablecoins

What you must do

Review and adjust reserve management practices to ensure 1:1 backing, update custody arrangements, and prepare for regulatory reporting.

Deadline

Effective immediately; compliance deadlines may vary by issuer size (consult legal counsel for specific timelines).

Source: https://news.google.com/rss/articles/CBMikgFBVV95cUxOQTVycmpZZ0pfcTBPR2NXSnBISkhZZFAxTXdlYzFJTXRjNnFuTThldXZSX2l6NkYyRDdDZTNDM0dZZHZHY2M0WlU0MkVTT1pOZTZPYl9KdWh6emVrTmlJS3RPdWNOLWtoMzdNdE5zMFlJUkc1SndMNllFYUptOFFBM25aZ1QyUzdFaER4VUYzeURsZw?oc=5

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