Crypto: the United States vote three laws that change everything

This week, in Washington, Crypto regulation took a decisive turn. This Thursday, at the end of a breathtaking political battle and four intense days, the House of Representatives validated three founding texts. Crypto industry is retaining its breath, because these laws could well reshape the future of the sector in the United States. The suspense was total until the end: last minute negotiations, partisan tensions, unexpected twists and turns … But the dice are thrown, and the outcome, historic.

Three laws, three ambitions: structuring the American crypto universe

First, there is the Genius Actintended to supervise the stablecoins labeled in dollar. With 308 votes for and 122 againstthis text imposes compulsory reserves and consumer protection. A framework expected for a long time. THE Clarity Actthen, specifies the sharing of responsibilities between the dry and the CFTC – a quarrel of competence old as Bitcoin. Finally, theAnti-CBDC Surveillance State Act Purely and simply prohibits the creation of a digital dollar by the federal reserve. A Victory for defenders of privacy.

David Sacks, nicknamed “Czar Crypto” of the White House, praised the adoption of texts as a major advance, saying that the United States is strengthening its leading position in digital innovation.

For Brad GarlinghouseCEO of Ripple, the impact is fundamental:

The last major financial text dated from 2008, in response to the financial crisis. The sign of the Genius Act now places the United States at the top of innovative financial technologies – Stablecoins. This moment is historic, and I personally expect everything that this transformative legislation will produce.

A voting under tension: between maneuvers and showdown

This success was not obtained without pain. Wednesday, nine hours of debate were necessary to cross A simple procedural course. Some Republicans have 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. Finally, the majority aligned itself. On Thursday, the votes followed.

But the Democrats have not applauded. Maxine Waters, figurehead of opponents, denounced ::

These projects open up enormous breaches in our financial laws in the name of innovation.

She also pointed out the growing links between Donald Trump and certain Crypto projectsevoking the Stablecoin $ Trump and the company World Liberty Financial.

Behind the figures, a message: the crypto becomes a political battlefield, between defense of innovation and suspicions of conflicts of interest.

The United States wants to supervise without braking: what to remember

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

Special Bullet Point Figures:

• 294 votes for the Clarity Act, despite tense partisan lines;
• 219 against 210, tight score to prohibit the creation of a digital dollar or CBDC;
• More than 5,000 chocolate bars distributed in Washington by Coinbase to promote regulation (source: CNBC);
• 1 out of 5 American has crypto (Morning Consult, 2025);
• More than 100 democrats voted for the Genius Act, showing real transpartisan support.

The voices of the industry also resonate: Brian Armstrong (Coinbase) praised a major advance ::
“” We are on the verge of finally having clear rules to allow the crypto to grow in the United States ».

While the United States refines its legislation, Europe does not remain motionless. Mica is no longer enough. Brussels is already working on a new targeted legal framework for the DEFI, with a first draft expected in 2026. This regulation could force developers to submit to obligations similar to banks – audits, KYC, or even minimum capital. A discreet but potentially heavy offensive, which revives fears of authoritarian drifts in a space born to escape the centralized logics.