Crypto: The United States Votes On Three Laws That Change Everything

This week in Washington, crypto regulation took a decisive turn. This Thursday, after a tense political battle and four intense days, the House of Representatives approved three foundational bills. The crypto industry is holding its breath, as these laws could reshape the future of the sector in the United States. The suspense lasted until the very end: last-minute negotiations, partisan tensions, unexpected twists… but the dice have been cast, and the outcome is historic.

Three Laws, Three Ambitions: Structuring the American Crypto Universe

First, there is the GENIUS Act, intended to regulate dollar-denominated stablecoins. With 308 votes in favor and 122 against, this text imposes mandatory reserves and consumer protection. A long-awaited framework. The CLARITY Act then clarifies the division of responsibilities between the SEC and the CFTC — a jurisdictional dispute as old as Bitcoin. Finally, the Anti-CBDC Surveillance State Act outright bans the creation of a digital dollar by the Federal Reserve. A victory for privacy advocates.

David Sacks, nicknamed the “Crypto Czar” of the White House, praised the adoption of the bills as a major step forward, stating that the United States is strengthening its position as a leader in digital innovation.

For Brad Garlinghouse, CEO of Ripple, the impact is fundamental:

The last major financial legislation dated back to 2008, in response to the financial crisis. The GENIUS Act now places the United States at the forefront of innovative financial technologies — stablecoins. This moment is historic, and I personally look forward to everything this transformative legislation will produce.

A Vote Under Tension: Between Maneuvers and Showdowns

This success was not achieved without pain. On Wednesday, nine hours of debate were needed to pass a simple procedural hurdle. Some Republicans blocked the process, demanding that an anti-CBDC clause be added to the defense bill.

Trump had to summon skeptics to the White House to rally them to his cause. Eventually, the majority aligned. On Thursday, the votes followed.

But the Democrats did not applaud. Maxine Waters, a leading opposition figure, denounced:

These projects open huge loopholes in our financial laws in the name of innovation.

She also pointed out the growing ties between Donald Trump and certain crypto projects, mentioning the $TRUMP stablecoin and the company World Liberty Financial.

Behind the numbers, a message: crypto is becoming a political battleground, between defending innovation and suspicions of conflicts of interest.

The United States Wants to Regulate Without Slowing Down: Key Takeaways

The crypto community applauds but remains vigilant. The industry hopes that this legal foundation will unlock institutional investments by reassuring regulators and users.

Special Bullet Point on Numbers:

• 294 votes for the CLARITY Act, despite tense partisan lines;
• 219 against 210, a close score to ban the creation of a digital dollar or CBDCs;
• More than 5,000 chocolate bars distributed in Washington by Coinbase to promote regulation (source: CNBC);
• 1 in 5 Americans holds crypto (Morning Consult, 2025);
• More than 100 Democrats voted for the GENIUS Act, showing real bipartisan support.

Voices from the industry also resonate: Brian Armstrong (Coinbase) hailed a major advance:
“We are this close to finally having clear rules to allow crypto to grow in the United States.”

While the United States refines its legislation, Europe remains active. MiCA is no longer enough. Brussels is already working on a new targeted legal framework for DeFi, with a first draft expected as early as 2026. This regulation could force developers to comply with obligations similar to those of banks — audits, KYC, even minimum capital requirements. A discreet but potentially heavy offensive, reigniting fears of authoritarian overreach in a space born to escape centralized logics.