As of 2025, major US crypto regulations were passed, including the GENIUS Acts, CLARITY Act, Central Bank Digital Currency (CBDC), and other important updates. The US is increasing crypto regulation in 2025 due to the need to clarify federal standards, balance innovations with investor protection and financial stability, and implement an enforcement strategy that avoids using criminal tools to resolve matters. Since the US lacked a clear, federal regulatory framework for digital assets, which often resulted in uncertainty for both companies and investors, these upcoming regulations are designed to provide clarity, protect consumers, and foster innovation. This article will explain all the upcoming 2025 crypto regulations. So, keep reading to learn more.
About the Upcoming US Crypto Regulations in 2025:
The upcoming US crypto regulations in 2025 are expected to enhance investor protection, emphasize regulatory clarity, and improve compliance with existing financial laws. These regulations particularly concern stablecoins and market oversight. Key things to keep in mind include specific rules for stablecoins, clearer asset classification, and stringent tax and anti-money laundering (AML) reporting requirements. Here are some of the upcoming US crypto regulations in 2025:
GENIOUS ACT:
The Genius Act (Guiding and Establishing National Innovation for U.S. Stablecoins Act) was signed into law in July 2025. It established a framework for stablecoins by requiring full reserve backing, audits, and AML compliance. This act requires stablecoin issuers to maintain 100% backing with high-quality liquid assets, such as US dollars or Treasuries. Additionally, it provides monthly audits and transparency reports for issuers while establishing rules for anti-money laundering (AML) compliance.
Apart from this, the act offers legal protection for stablecoin holders in case of issuer insolvency or if it requires issuers to comply with anti-money laundering (AML) regulations. However, the issuers are required to publicly disclose their reserve composition on a monthly basis. Note that the act limits the ability to issue stablecoins to certain entities, such as insured depository institutions and approved nonbank financial institutions, after receiving approval from the Federal Reserve. As for its limitations, the act does not regulate algorithmic stablecoins or provide clarity on the classification of other digital assets, such as whether a token is a security or commodity, which will require future legislation.
Here is its impact on the crypto market:
- It offers increased stability and confidence. The legislation aims to provide stability and clarity to the stablecoin market, thereby increasing mainstream adoption and institutional investment.
- The act poses new compliance obligations. The crypto exchanges listing stablecoins must verify that issuers are compliant, and exchanges that facilitate stablecoin transactions might face additional regulatory oversight.
- It helps create a clearer regulatory path and adds consumer protections, which allows stablecoins to compete more effectively with traditional payment networks for cross-border transactions.
CLARITY ACT:
The CLARITY Act passed the House in 2025, but is awaiting Senate action. It aims to define how digital assets are treated under federal securities and commodities laws. It helps reduce regulatory overlap and improves transparency. The main purpose of this act is to formally classify digital assets, thereby addressing the long-standing debate on whether they are securities or commodities. As for its potential impact, it could lead to a more defined regulatory landscape for digital assets and the exchanges that trade them. It also focuses on creating a unified registration regime for crypto exchanges and sets operational rules for banks that handle crypto custody.
The act aims to regulate the platforms and intermediaries involved in the crypto space, not individuals who use cold storage wallets for self-custody. It establishes a new registration category for crypto exchanges, providing a clearer path for registration that was previously unclear. Note that the bill introduces the concept of investment contract assets, which allows tokens to shift from being classified as a security to a commodity as a project decentralizes and matures. Regarding investor protection, it requires projects to provide regular disclosures on financials, progress, token supply, and risks. Also, it guarantees the right to self-custody of digital assets. If this act is passed, it would provide much-needed regulatory clarity, potentially encouraging more institutional investment and fostering innovation in the crypto space. However, certain concerns remain about potential loopholes and regulatory uncertainty until the act is fully passed and implemented.
Regulatory Statements and Actions:
Other acts include:
- Joint SEC and CFTC statement (passed in September 2025)- The act claims that the registered exchanges are not prohibited from listing spot crypto products, including those with leverage or margin. Note that it was an interpretive statement on existing rules and not a new legislation.
- SEC’s Spring 2025 regulatory agenda- The act was published in September 2025, and it is said to have founded several potential rulemaking that could impact digital assets. Understand that it includes rules for the offer and sale of digital assets, amendments to existing rules, and the modernization of custody and transfer agent rules to address digital assets.
- Rescission of the SEC staff accounting bulletin 121 (SAB 121)- The new administration rescinded SAB 121, has required the custodians to hold certain crypto assets on their balance sheets as both an asset and a liability.
Conclusion:
There is an upcoming US crypto regulation in 2025, mainly because of the push to create a comprehensive federal framework for digital assets. It focuses on providing clarity, protecting consumers, and paving the way for innovations. Key regulations include the passing of bills like the GENIUS Act to regulate stablecoins and the CLARITY Act to define roles for the SEC and CFTC. These acts aim to move the industry out of the regulatory gray area and ensure US competitiveness in the global digital asset market.
