Next week, from July 14, is the “crypto weekend” in the United States
This event is a series of political votes held by Washington legislators in the hope of going through three critical elements of cryptographic regulations. It would be the first time in the United States that the digital asset sector could hope for a federal regulatory clarity.
“The House of Representatives is anxious to consider the Clarity Act, the law on the state of anti-CBDC surveillance and the Senate Engineering Act in the context of Congress efforts to make America the world capital of the crypto,” said the president of the financial committee of the Chamber and the French Chamber of Agriculture GT Thompson in a press release.
“We advance historical legislation to establish a clear regulatory framework for digital assets that protect consumers and investors, provides rules for the issue and operation of sustained payment stables and permanently blocks the creation of a central digital currency (CBDC) to protect the financial life of the Americans,” added Hill.
2025 is more and more like the year of structured adoption for the regulation of cryptography, while the American government is closer to a sustainable framework. Traditional finance slowly integrates blockchain rails. Institutional guard and audits become the norm. And the new players design use cases beyond the exchanges of crypto, such as the colonies of payroll, microfinance and supply chain.
Stablecoins emerge as a new financial operating system
Zoom out, it is clear that stablecoins are no longer a parallel project of cryptographic maximalists or lovers of fintech. They become a new operating system for digital finance, connecting governments, companies, developers and everyday users in real time.
For example, Ant Group plans to join the Circle USDC in its blockchain platform, pending American regulatory approval, taking advantage of the growing fintech demand in Hong Kong and elsewhere. Last week, the Startup Allscale obtained $ 1.5 million to build stable and cash payment tools adapted to small businesses.
Wednesday July 9, New York Mellon Corp. (BNY) agreed to maintain the main care of the Stablecoin reserves of Ripple, stressing how stabbed are regarded as settlement and transfer instruments by the traditional financial sector.
While Wall Street is increasingly kissing stablecoins, financial directors are encouraged to ask critical questions about risk, governance, guarantees and operations before adopting them.
Alleviate fraud and systemic risks by strengthening confidence
As policies and infrastructure are advancing, the question of confidence is looming. As adoption evolves, the fraud models too.
The latest coverage of scams linked to Pymnts crypto shows that social engineering tactics such as identity, Fomo triggers and false jobs are increasing. Understanding how the cryptography fraud tactics have gone from opportunistic hacks to well -organized deceptions and even supported by the state could also help institutions, companies and regulators to trace a more intelligent and safer path in a rapid maturation market.
Amundi, the largest asset officials in Europe, warned that if the stables of a dollar obtain a dominant status internationally, they could threaten global financial sovereignty – in particular in developing economies.
At the same time, the governor of the Federal Reserve Christopher Waller offered a more optimistic opinion. In a recent speech, Waller has suggested that stablecoins – properly regulated – could reduce transaction costs and inject competition into the payment market, reducing consumer costs and payment delays.
Could a regulatory pivot finally mean clarity?
In a major step towards federal clarity, the US Senate adopted the Act on Engineering in June 2025. Now, with the Chamber which should vote next week and President Donald Trump publicly exhorting the rapid adoption, legislation is positioned as the northern regulatory star that the industry has long sought.
At the same time, Jonathan Gould, the new currency controller, said digital assets and new banking training as fundamental priorities. In its confirmation audiences and its first memos, Gould underlined a modernized regulatory posture which promotes responsible innovation without compromising consumer protection.
In the end, the Stablecoin and Crypto operating system is still under construction and its management remains disputed. Financial directors are taken in the middle, consumers and emerging markets. —Chaca evaluate whether this new system will offer more security, transparency and inclusion than the one he hopes to replace or supplement.
