His remarks suggest that progress in the Senate could move at a slower pace, prolonging the uncertainty surrounding comprehensive crypto regulation in the U.S.

Clarity Act Unlikely to Pass Committee Before April

According to comments from Senate leadership, the Clarity Act is not expected to move through the Senate Banking Committee in the immediate term. Thune stated that it would be difficult for the proposal to clear the committee before April.

The Clarity Act is widely viewed as an important effort to define how digital assets should be regulated within the U.S. financial system. The legislation aims to clarify the legal status of cryptocurrencies, outline the responsibilities of market participants, and establish a clearer division of regulatory authority among government agencies.

While the bill has made progress in the House of Representatives, discussions in the Senate remain ongoing, highlighting the complexity of building consensus around digital asset regulation.

Senate Approves Housing Bill With CBDC Restriction

In a separate development, the Senate recently approved a comprehensive housing bill that includes a provision restricting the Federal Reserve from issuing a central bank digital currency (CBDC).

The legislation has now been sent to the House of Representatives for further consideration. The inclusion of the CBDC-related clause reflects the continuing political debate in the United States over whether the Federal Reserve should introduce a government-backed digital currency.

SAVE America Act Takes Legislative Priority

At the same time, another proposal has taken priority in the congressional agenda: the SAVE America Act. The Senate is expected to vote on the measure in the coming week.

The bill focuses on election procedures and would require individuals to provide official documentation proving citizenship when registering to vote. Former President Donald Trump has publicly supported the legislation and previously stated that he would not sign other bills until the measure is passed.

This prioritization of other legislative matters may also contribute to delays in advancing crypto-related regulation.

Ongoing Debate Over Stablecoins

Discussions surrounding digital asset regulation also extend to the stablecoin sector. One of the most debated issues involves whether stablecoin issuers should be allowed to offer yield-like returns to users.

Traditional banks argue that such practices could draw deposits away from the banking system while avoiding the regulatory requirements that banks must follow. On the other hand, some policymakers believe properly regulated stablecoins could actually strengthen the U.S. financial system.

Supporters of the latter view argue that compliant stablecoin frameworks may attract international capital into the American banking ecosystem rather than weakening it.

Regulatory Clarity Could Be a Major Catalyst

Despite uncertainty surrounding the legislative timeline, policy analysts generally agree that a comprehensive regulatory framework for digital assets could become a significant catalyst for the industry.

Clear rules may encourage greater participation from institutional investors and financial institutions that have so far remained cautious due to regulatory ambiguity. Increased institutional involvement could, in turn, bring more liquidity and long-term stability to the crypto market.

For now, the direction and timing of U.S. crypto regulation remain closely watched by both the digital asset industry and traditional financial institutions worldwide.

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What the 100% Haircut Previously Meant

Under the prior framework, broker-dealers were required to apply a 100% capital charge to stablecoins recorded on their balance sheets. In practical terms, this meant that if a firm held $1 million worth of stablecoins, it had to set aside an equivalent $1 million in regulatory capital, effectively treating the asset as having no usable capital value.

This approach made holding stablecoins economically inefficient for regulated intermediaries. From a capital management perspective, stablecoins were penalized in a way that discouraged their adoption in institutional workflows. With the haircut now reduced to 2%, stablecoins are positioned more similarly to money market instruments in regulatory treatment, significantly easing the capital burden.

SEC Paves the Way for Corporate Integration

Jon Paul Richardson, CEO of Exodus, described the SEC decision as one of the most consequential developments of the year, even if it has not generated widespread headlines. According to Richardson, sharply lowering the capital requirement removes a major structural barrier that has limited stablecoin usage within institutional finance.

Under the updated rule:

• Broker-dealers can utilize stablecoins without imposing excessive strain on their balance sheets.

• Settlement of tokenized assets such as U.S. Treasury instruments, equities, and bonds becomes more economically viable.

• Stablecoin-based clearing and settlement systems can scale more efficiently at the institutional level.

The regulatory adjustment may also help operationalize previously passed legislation such as the GENIUS Act by making stablecoin infrastructure more practical in real-world financial environments.

Competitive Pressure May Intensify

With the effective capital penalty largely eliminated, stablecoin adoption could become a competitive differentiator among major financial intermediaries. Institutions that move quickly to build stablecoin infrastructure may gain operational advantages, while slower-moving firms risk falling behind.

Richardson argues that while market participants often focus on ETF approvals or political developments, the more profound transformation is occurring at the intersection of traditional finance and blockchain-based systems. Despite broader market volatility, regulatory refinements at the infrastructure level may lay a durable foundation for long-term growth.

This content does not constitute investment advice.

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Representative Stephen Lynch of Massachusetts argued that enforcement activity has declined significantly since Trump took office and appointed Atkins to lead the Securities and Exchange Commission. According to Lynch, enforcement actions targeting the crypto sector have fallen by roughly 60%. He cited the SEC’s decision in May 2025 to move to dismiss its case against Binance as a prominent example of this trend.

Concerns Over Political and Foreign Ties

The hearing extended beyond enforcement statistics. Lawmakers also raised concerns about the Trump family’s connections to cryptocurrency ventures. Particular attention was given to World Liberty Financial (WLFI), a decentralized finance platform reportedly linked to the Trump family.

Recent reports indicate that Aryam Investment 1, an Abu Dhabi-based investment vehicle backed by Sheikh Tahnoon bin Zayed Al Nahyan, the United Arab Emirates’ national security adviser, acquired a 49% stake in the startup behind WLFI. Lynch suggested that such foreign involvement, combined with crypto projects associated with the Trump family, could present risks to both national security and investor confidence.

He also pointed to recent market volatility, noting that the crypto market has declined by approximately 25% over the past month. In his view, ongoing scams and weakened enforcement have damaged trust, harming consumers and the broader reputation of the industry.

SEC Pushes Back

Chair Atkins rejected the characterization that the agency has retreated from oversight. He maintained that the SEC continues to pursue a “robust” enforcement agenda and remains active in bringing cases where warranted.

However, Representative Maxine Waters of California questioned the motivations behind the dismissal of certain high-profile lawsuits. She argued that several cases were dropped despite prior legal momentum in court. Waters further alleged that crypto executives who benefited from pardons or withdrawn lawsuits had contributed millions of dollars to Trump and his family. She reiterated calls for scrutiny of the Trump family’s crypto ventures, suggesting they could serve as indirect channels for foreign influence over executive branch policy.

Political Stakes in an Election Year

The debate unfolds against the backdrop of a U.S. midterm election cycle. If Democrats regain control of at least one chamber of Congress, the trajectory of crypto market structure legislation could shift or slow considerably.

With regulatory policy, political power, and digital assets now closely intertwined, the future of U.S. crypto oversight appears increasingly shaped by electoral outcomes as much as by financial law.

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Backed by growing bipartisan support, these initiatives aim to reduce uncertainty, attract institutional participation, and strengthen the U.S. position in the global digital asset landscape.

CLARITY Act: Resolving Market Structure Uncertainty

At the center of the regulatory agenda is the Digital Asset Market Structure bill, commonly referred to as the CLARITY Act. Passed by the House of Representatives in July 2025 with strong cross-party backing, the bill seeks to resolve the long-standing jurisdictional dispute between the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC).

While Senate deliberations were postponed toward the end of 2025, discussions are expected to resume in January 2026. Analysts estimate a 50–60% likelihood of the bill passing before the November 2026 midterm elections. If enacted, Bitcoin and Ethereum would primarily fall under CFTC oversight as commodities, while securities-like digital assets would remain under the SEC’s authority.

GENIUS Act: Stablecoin Rules Enter Execution Phase

Another major development is the implementation phase of the GENIUS Act, which became law in July 2025. Beginning in 2026, regulators will move forward with enforcing stablecoin-specific requirements related to reserves, licensing, and compliance.

Banks have already started preparing for stablecoin issuance under the new framework, signaling deeper integration between traditional finance and blockchain-based payment systems. Many observers believe this could accelerate institutional adoption while reinforcing the role of the U.S. dollar in digital payments.

PARITY Act: Rethinking Crypto Taxation

Crypto taxation is also under review in 2026 through the Digital Asset PARITY Act. Proposed reforms include tax exemptions for small stablecoin transactions, as well as deferred taxation for staking and mining rewards.

These changes are designed to lower barriers for retail users, encourage participation in proof-of-stake networks, and make everyday crypto usage more practical.

Federal and State-Level Momentum for Crypto

Beyond federal legislation, several U.S. states are pursuing their own crypto initiatives. Texas, Arizona, and New Hampshire are exploring Bitcoin reserves and tax incentives, while the CFTC is expected to finalize a comprehensive framework for spot crypto markets by the end of 2026.

Taken together, these developments suggest a shift toward a more innovation-friendly regulatory environment. For digital assets, 2026 may mark the transition from regulatory uncertainty to long-term integration within the U.S. financial system.

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What Are the Benefits of This Partnership?

First, to understand this partnership, we need to understand how Bubblemaps works. Bubblemaps analyzes billions of transactions on the blockchain to create bubble maps, making it much easier to analyze. You can even clearly see which wallets hold tokens that have suddenly spiked in large volumes. This allows you to be better protected against potential rug-pull events.

The benefits can be summarized as follows:

• Wallets with high token concentrations
• Interacting wallets
• Wallet clustering
• Suspicious transfers

If you are wondering how Binance Wallet plans to use this, here’s the explanation: Insider info (inside information) can be prevented from being used for various investments, and the bubble map provided by Bubblemaps will clearly show the flow of potentially manipulative tokens between wallets.

You may also find this article interesting: Why Is Trump Coin (TRUMP) Rising?

Binance Wallet is currently one of the most widely used wallets. With Bubblemaps, user behaviors and on-chain activities will become easier to monitor. This will significantly increase the transparency of the market. In short, with this partnership, it will be possible to see in advance whether anyone is acting on information from token launches or airdrops.

Latest Market Data

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The first part of the comprehensive analysis series prepared by Sonic SVM Research covers the infrastructure of this transformation in full detail. In this article, we will summarize the research and prepare readers for both the current landscape and future scenarios.

Transformation Driven by Regulation and Institutional Winds

The year 2025 marked a turning point for stablecoins. The GENIUS Act passed in the U.S. provided the first comprehensive regulatory framework for fiat-backed stablecoins. Hong Kong’s “Stablecoin Ordinance” law and the European Union’s MiCA regulation made these assets more legitimate and accessible globally.

If you want to read the full article by Sonic SVM Research on this topic, click here.

On the institutional side, momentum is also remarkable. Alongside giants like PayPal, Santander, and Deutsche Bank, Visa and Stripe are adapting their infrastructures to be stablecoin-compatible. In China, tech giants like JD.com and Ant Group have started licensing processes. One of the most notable developments is the stablecoin initiative called USD1, launched through World Liberty Financial Inc., owned by U.S. President Donald Trump’s family.

Market Is Not Yet Saturated, Competition Intensifies

Today, there are over 150 stablecoins, but USDT and USDC dominate 88.5% of the total market. Still, new projects like USDe, USDtb, USD1, and USDS are seeking market share through on-chain integrations and differentiated distribution strategies.

The research reveals with data how Ethereum and Tron networks stand out in this race and where stablecoin distribution is concentrated across ecosystems. While Ethereum serves as the heart of decentralized finance, Tron has become dominant in the daily transactions of USDT.

The most striking takeaway from Sonic SVM Research is this: for new players to succeed, merely creating supply is not enough. They must also be strong in real volume, transaction density, and user trust metrics. This is possible not only through chain integration but also with user experience, regulatory compliance, and innovative distribution strategies.

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Institutional Demand Surges, Ethereum Loses Ground

The balance between Ethereum and Bitcoin holdings has shifted noticeably. In April 2025, the ETH/BTC ratio dropped to a yearly low of 0.15, indicating that for every $1 in Ethereum, investors held roughly $4 in Bitcoin. Although the ratio has since recovered to 0.27, Bitcoin’s dominance remains clear in investor sentiment.

A New Era with Spot Bitcoin ETFs

The launch of spot Bitcoin ETFs has been a major catalyst for institutional adoption. These financial products opened the door for traditional investors to gain exposure to Bitcoin without managing wallets or private keys. Since then, Bitcoin has outperformed key asset classes — including equities, bonds, and precious metals — further solidifying its role as a portfolio diversification tool.

Corporate Treasury Holdings Are Soaring

Along with growing adoption, the number of companies holding Bitcoin on their balance sheets has nearly doubled. In early June, only 124 companies held BTC, but within weeks, that number jumped to 244. In total, corporate treasuries now hold approximately 3.45 million BTC. Of these, about 834,000 BTC are in public company reserves, while over 1.39 million BTC are held through spot ETFs.

Bitcoin’s 2035 Outlook: A Challenger to Gold

As Bitcoin continues its institutional rise, some analysts project it could rival gold’s $22 trillion market cap within the next decade. If this scenario unfolds, Bitcoin could reach a staggering $1.8 million per coin by 2035, reshaping global financial markets in the process.

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Will the UK Take Action on Crypto?

As the European Union rolls out its MiCA regulations and the United States makes strides with the GENIUS Act in the stablecoin space, the UK’s vague and slow-moving approach has sparked criticism.

In a blog post published on Friday, Lewis McLellan, editor at OMFIF’s Digital Monetary Institute, and John Orchard, the organization’s chairman, argue that the UK has “squandered” its early leadership in distributed ledger technology (DLT). The post, pointedly titled “The UK keeps missing the boat on DLT finance,” calls out the country’s inability to offer clear and timely regulation.

Following Brexit, there were high expectations that the UK would set the “gold standard” for crypto regulation. Instead, the UK continues to speak vaguely about future regulations without providing a clear timeline. This regulatory ambiguity is emphasized in the FCA’s Crypto Roadmap, where no firm date is provided for when its regime will “go live.” At best, the guidance hints at some time after 2026.

EU and US Make Clear Progress on Crypto

The Markets in Crypto-Assets (MiCA) framework is now active across the EU. Meanwhile, the US Senate recently passed the GENIUS Act, a federal law that clearly defines stablecoins as legitimate payment tools.

The UK, however, still categorizes stablecoins as investment assets—a stance that OMFIF analysts say has caused significant market confusion. The Bank of England’s early proposal, which required systemic stablecoins to be backed entirely by central bank reserves, was widely criticized as commercially unworkable. Though this position has since softened, the UK has yet to present a viable regulatory model.

Other Regions Are Moving Ahead

While the UK lags, others are pushing forward. In May, Hong Kong passed its own stablecoin bill and is rapidly building a tokenization infrastructure through its Project Ensemble initiative.

The United Arab Emirates has also been praised for establishing VARA (Virtual Assets Regulatory Authority), a specialized body overseeing digital assets. The UK, by contrast, is still trying to retrofit traditional institutions to manage Web3 and blockchain innovations—an approach that the report sees as insufficient.

The UK’s Early Advantage Is Eroding

OMFIF concludes the piece by noting that although the UK led the way in fintech innovation during the 2010s, and still benefits from its favorable time zone, legal system, and language, those advantages aren’t guaranteed to last.

“Financial hubs rise and fall,” the authors warn. Without bold and timely action, the UK risks falling further behind.

Their message is clear: the UK must establish a clear, fast, and adaptive regulatory framework for the crypto space—before its global influence fades further.

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U.S. Scrutinizes China-Based Blockchain Activity

One of the standout features of the draft is its focus on China-linked blockchain operations. The legislation aims to assess potential national security threats, explore export control concerns, and examine illicit financial flows tied to foreign blockchain influence. This adds a strategic dimension to what might otherwise be viewed as purely economic regulation.

Relief for Developers and DeFi Builders

A key update in the proposal introduces a more favorable stance toward blockchain developers. Those without direct control over a network will not be categorized as money transmitters, reducing regulatory pressure on developers and wallet providers alike.

The bill also protects decentralized technologies that allow users to hold their own private keys, meaning DeFi protocols that operate without centralized intermediaries could enjoy greater operational freedom from regulation.

Banking Sector Gets a Green Light for Blockchain Integration

Sections 312(b) and 312(c) of the draft introduce new provisions allowing federally chartered and state-insured banks to use blockchain technology in delivering authorized financial services, as long as they remain compliant with existing rules. This could significantly expand the legal use of digital assets in the traditional financial sector.

A Step Toward Regulatory Clarity

Another major goal of the CLARITY Act is to resolve ongoing confusion around regulatory jurisdiction. The draft outlines clear boundaries between the SEC and CFTC, giving crypto businesses a much-needed sense of legal certainty when navigating compliance frameworks for different types of digital assets.

U.S. Government Explores Strategic Bitcoin Reserve

In parallel with the CLARITY Act, lawmakers are also considering a bold new initiative: the creation of a national Bitcoin reserve. Known as H.R. 3798, this proposal would formalize the federal government’s ability to accumulate and hold Bitcoin as a strategic financial asset. Supporters argue it could strengthen the economy and promote widespread crypto adoption.

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New Role Defined for Crypto Intermediaries

A key feature of the amendment is the formal recognition of “intermediary businesses”—companies that connect crypto exchanges with users. These businesses will no longer be required to register as full exchanges. Instead, a new, more relaxed registration system will be introduced, opening the door for new market entrants, particularly from the gaming and financial tech industries.

Stablecoin Backing Rules Reshaped

Another major shift comes in the area of stablecoin regulation. Issuers of so-called “trust-type” stablecoins will now be allowed to back these assets with up to 50% in low-risk financial instruments, such as government bonds, rather than being fully backed by fiat. This makes it easier for banks and traditional institutions to launch their own digital currencies within a controlled legal framework.

Shielding Domestic Users from Foreign Risks

To protect Japanese users, the revised law empowers regulators to enforce asset retention requirements on overseas crypto firms. These companies may now be compelled to hold a portion of their assets within Japan to safeguard local funds in the event of financial trouble or bankruptcy. This move is aimed at strengthening consumer protection and ensuring local accountability.

Cross-Border E-Commerce Under Scrutiny

The new law also brings cross-border e-commerce platforms into focus. Firms accepting crypto or facilitating digital asset transactions from abroad could be subject to registration requirements. Regulators are especially targeting online gambling operations and fraudulent platforms, while noting that low-risk businesses might be exempt—for now. Nonetheless, the legal uncertainty may hinder smaller players looking to operate in the Japanese market.

A Shift Away from Decentralization?

Although the amendments offer a clear regulatory path for institutional actors, advocates of decentralized finance may find them concerning. By enabling banks to issue stablecoins more easily and tightening controls on permissionless, global platforms, the new rules appear to move further away from Satoshi Nakamoto’s vision of a state-independent monetary system.

Crypto Still Holds Its Ground

Despite these developments, the law does not outlaw the use of genuine decentralized cryptocurrencies. In a climate marked by economic challenges—such as a weakening yen and agricultural strain—true crypto assets continue to provide a viable alternative for financial freedom. For many in Japan, peer-to-peer, censorship-resistant currencies may still be the most promising path forward.

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