US Government Releases 2025 Cryptocurrency Policy Report, Marking a Turning Point in Regulation and Innovation in the Digital Asset Sector.
The 160-page report presents a coordinated vision for managing stablecoin, DeFi, self-custody, Tokenizing traditional assets, taxes, and anti-money laundering, helping the cryptocurrency market develop more sustainably and transparently.
- New policies promote innovation, stability, and protection for cryptocurrency consumers in the US.
- GENIUS Act creates a clear and strict framework for stablecoin.
- Strong growth in blockchain transactions and decentralized asset value (DeFi).
What's Notable About US Cryptocurrency Policy in 2025?
The White House report considers cryptocurrency and Blockchain as breakthrough technologies, supported by 72% of investors and creating an optimistic environment.
By early 2025, 68 million Americans own digital assets, with venture investments reaching $4.8 billion in Q1, a 70% increase from the previous year. This is a clear indication of the market's growth and increasing acceptance.
What Role Does GENIUS Act Play in Stablecoin Management?
GENIUS Act, issued in July 2025, establishes clear regulations for stablecoin, requiring full reserves, prohibiting re-hypothecation, and preventing central bank digital currency (CBDC).
The law affirms the position of digital USD, promotes innovation, protects consumers, and enhances global competitiveness for the US market.
Creating a comprehensive legal framework for stablecoin helps protect users and facilitates sustainable development of the cryptocurrency market.
Dr. Lisa Monroe, Digital Currency Committee Director, July 2025
How Have Blockchain and DeFi Developed?
By 2025, Blockchain networks process 3.8 billion transactions monthly, a 96% increase compared to the same period last year.
Locked asset value in DeFi reaches $130 billion, while trading volume on decentralized exchanges is up to $400 billion per month. This growth is due to increasingly accessible technology and increased participation from both individual and institutional investors.
The DeFi market is becoming more transparent and developed, with tools and platforms increasingly supporting users to easily access, operate, and manage digital assets.
James Cowell, CEO of DeFi Innovations, 2025
Will New Regulations Ensure a Fair and DeFi-Compliant Market Structure?
The report proposes the 2025 Digital Asset Market Clarity Act to clearly distinguish between securities and non-securities assets, addressing current regulatory gaps.
Focusing on DeFi compliance, regulations on money service businesses (MSB) and fair competition, the report also emphasizes cybersecurity risk protection to create a safer investment environment.
How Have Banking and Insurance Progressed with Cryptocurrency?
Removed legal barriers allow banks to custody, trade, and lend through Tokenized products.
The insurance industry has also improved, with revenues reaching $3.1 billion from commercial policies, supporting a more stable cryptocurrency sector. Stablecoin in circulation now reaches $258 billion, primarily based on fiat currencies.
How Can Cryptocurrency Monitoring and Taxation Become More Effective?
The report emphasizes improving cybercrime monitoring through new FinCEN guidelines, simultaneously enhancing fraud detection and protecting user privacy.
Regarding taxes, IRS guidelines will update regulations for crypto loans, staking, and money laundering laws, helping users comply more easily and transparently.
Frequently Asked Questions About US Cryptocurrency Policy 2025
How Will New US Policies Impact the Cryptocurrency Market?
Policies create a clear legal environment, promote innovation, increase user protection, and help the market develop sustainably, supported by actual growth and investment figures.
What Does GENIUS Act Specify About Stablecoin?
The law requires stablecoin to have full reserves, prohibits re-hypothecation, and does not allow CBDC, protecting the stability and position of digital USD.
What is the Current Development Status of DeFi?
DeFi is growing strongly with locked value reaching $130 billion and decentralized trading volume up to $400 billion per month, thanks to enhanced technology and widespread participation.
What Can Banks Do with Cryptocurrency Under New Regulations?
Banks are permitted to custody, trade, and lend with Tokenized assets, expanding services and increasing cryptocurrency market access.
How Does the US Government Monitor Tech Crime Without Infringing on Privacy?
Through new FinCEN guidelines, applying sophisticated detection technologies to effectively balance investigation and user privacy protection.
