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Stablecoin adoption among institutions could surge as the United States Senate prepares to debate a key piece of legislation aimed at regulating the sector. <\/p>\n
After failing to gain support from key Democrats<\/a> on May 8, the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act passed the US Senate in a 66–32 procedural vote on May 20 and is now heading to a debate on the Senate floor.<\/p>\n The bill seeks to set clear rules for stablecoin collateralization and mandate compliance with Anti-Money Laundering laws.<\/p>\n Related: <\/strong><\/em>German gov’t missed out on $2.3B profit after selling Bitcoin at $57K<\/strong><\/em><\/a><\/p>\n “This act doesn’t just regulate stablecoins, it legitimizes them,” said Andrei Grachev, managing partner at DWF Labs and Falcon Finance.<\/p>\n “It sets clear rules, and with clarity comes confidence. That’s what institutions have been waiting for,” Grachev told Cointelegraph during the Chain Reaction daily X spaces show<\/a> on May 20, adding:<\/p>\n “Stablecoins aren’t a crypto experiment anymore. They’re a better form of money. Faster, simpler, and more transparent than fiat. It’s only a matter of time before they become the default.”<\/p><\/blockquote>\n The GENIUS Act may be the “first step” toward establishing a “unified digital financial system which is borderless, programmable and efficient,” Grachev said, adding:<\/p>\n “When the US moves on stablecoin policy, the world watches.”<\/p><\/blockquote>\n Republican Senator Cynthia Lummis, a co-sponsor of the bill, also pointed to Memorial Day as a “fair target<\/a>” for its potential passage. <\/p>\n Grachev said regulatory clarity alone will not drive institutional adoption. Products offering stable and predictable yield will also be necessary. Falcon Finance is currently developing a synthetic yield-bearing dollar product designed for this market, he noted.<\/p>\nSenate bill seen as path to unified digital system<\/h2>\n