New US Breakthrough: Stablecoin AML Rules Officially Proposed Under GENIUS Act!

Jakarta, Pintu News – The United States Department of the Treasury has just released a new set of expectations for issuers of stable cryptocurrencies or stablecoins regarding handling illicit financial risks. The move is part of the operational implementation of the GENIUS Act, which was signed into law in July 2025. Through this proposal, regulators seek to tighten oversight of the crypto ecosystem to ensure the security of the national financial system without stifling digital financial technology innovation in the United States.

Compliance with the Bank Secrecy Act

The US Treasury Department is proposing that stablecoin issuers fall within the same regulatory perimeter as traditional financial institutions. This means issuers would be required to comply with the anti-money laundering (AML), counter-terrorism financing (CTF), and sanctions compliance frameworks under the Bank Secrecy Act. With this rule, stablecoin issuers are expected to support law enforcement efforts in detecting and preventing financial crimes in the cryptocurrency world.

In addition, the proposed rule requires each issuing company to build a system capable of identifying suspicious activity. Issuers of stablecoins must have the technical ability to block, freeze, and reject transactions that are deemed to violate legal provisions if necessary. This decisive step is taken to protect the integrity of the US financial system from national security threats that may arise through digital assets.

Also Read: 6 Critical Levels of XRP Price in April 2026: Latest Bullish & Bearish Scenarios!

Appointment of US-based Compliance Lead

One of the key points in this proposal is the obligation for each stablecoin issuer to appoint a dedicated individual in charge of compliance systems. This individual must be based in the United States to facilitate coordination and oversight by local authorities. This policy aims to ensure direct accountability on the part of the company for regulations that apply in US jurisdictions.

The government also sets strict criteria for individuals who will fill the compliance lead position. Candidates must not have a record of financial offenses, such as fraud, cybercrime, orinsider trading. The tightening of these criteria is to ensure that the company’s compliance operations are run by individuals with high integrity to maintain public trust in the stablecoin payment ecosystem.

Oversight and Protection of Stablecoin Reserves

The implementation of the GENIUS Act involves inter-agency cooperation, where the Financial Crimes Enforcement Network (FinCEN) and the Office of Foreign Assets Control (OFAC) have opened a 60-day public comment period. In addition to the crime prevention aspect, the Federal Deposit Insurance Corporation (FDIC) has also clarified the protections for asset holders. Although stablecoin holders do not receive deposit insurance directly, the reserve funds underlying the token issuance will remain protected under the existing framework.

On the other hand, the division of oversight responsibilities between federal and state authorities is still being discussed. Smaller issuers may be eligible for state-level oversight if they are able to meet the standards set by the federal government. This adjustment is expected to provide room for smaller stablecoin payment companies to remain competitive while still complying with national security standards.

Also Read: 5 Phases of BTC Cycle Towards $215,000: Target Bitcoin IDR3.65 Billion?

Follow us on Google News to stay up to date with the latest in crypto and blockchain technology. Check Bitcoin price, usdt to idr and tokenized nvidia stock price through Pintu Market.

As a secure crypto app, Pintu provides a crypto trading experience to access crypto gold investment easily and conveniently. You can also see today ‘ s gold jewelry price and today ‘ s gold bullion price to support your investment activities and portfolio diversification as well as learn crypto through Pintu Academy.

*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities are subject to high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying and selling Bitcoin and other crypto asset investments are the responsibility of the reader.

Reference

• Rony Roy/crypto.news. US Treasury proposes AML rules for stablecoins under GENIUS Act. Accessed April 9, 2026.