Nine hours. Closed doors. One last-minute call from Trump.

And suddenly, Congress—yes, the same one that can’t agree on the definition of milk—just greenlit three bills that rewire the rules of money.

No meme coin left behind. No stablecoin unscathed. And possibly, no turning back.

These three bills—aimed at stabilizing stablecoins, disarming the SEC, and killing the Fed’s CBDC before it’s born—are now closer than ever to reality.

The Genius Act.

The CLARITY Act.

And the Anti-CBDC Surveillance Act.

Individually, they’re powerful. Together, they’re writing the new rules of money. 

Here’s what’s happening—and what comes next.

1. The GENIUS Act: Stablecoins Grow Up

Stablecoins have been the crypto world’s sketchy cousin for a while. Nobody really knew what was backing them—T-bills, rocks, words of encouragement?

The FTX, Terra, and Silicon Valley Bank collapses exposed the cracks.

Billions evaporated, and the regulators looked like substitute teachers trying to grade a particle physics test.

Enter: the GENIUS Act.

What it does:

• Requires full reserve backing for all stablecoins. No more “trust us, bro” economics.

• Mandates audits. Real ones. Regular ones.

• Hands power to both federal and state watchdogs.

This isn’t just about Circle or Tether. The GENIUS Act creates two classes of stablecoin issuers:

→ Federally insured depository institutions (banks).

→ Nonbanks, who must still meet capital, liquidity, and risk management standards.

Why does this matter? It paves the way for FinTechs, crypto firms, and even retail giants (think Walmart or PayPal) to issue stablecoins without needing a banking charter.

And here’s the geopolitical angle…

This gives U.S. tech companies, banks, and crypto firms the green light to export dollar-based payment rails worldwide…

Especially into emerging markets where China is pushing its own digital infrastructure (like the Digital Yuan, UnionPay, and Belt & Road finance apps).

It’s not just about domestic finance. It’s soft power.

2. The Anti-CBDC Surveillance Act

This one’s straightforward…

The bill bans the Fed from ever launching a Central Bank Digital Currency (CBDC).

No Orwellcoin. No programmable expiration. No Fed-issued money you can only spend on soy burgers.

If you’re wondering why this even needed to be codified—a U.S. CBDC was already being tested. Quietly. The Digital Dollar Project. MIT. Pilot programs. The whole thing.

But this bill kills it.

On the other hand, looking into the future…

It doesn't guarantee stablecoins won't ever resemble CBDCs.

The GENIUS Act adds some guardrails, like smart contract transparency. But the real test is the Tornado Cash trial—which could set a chilling precedent for open-source privacy.

(I dive deep into this in my upcoming book, Tether: The Rogue Token and the New Rules of Money.)

On another note, the bill also enshrines your right to self-custody. The government can’t force intermediaries or impose wallet bans. This sets precedent for crypto-as-property, not just speculation.

3. The CLARITY Act

This is the bill (certain) crypto people have been begging for.

It draws a line in the sand between what the SEC gets to regulate… and what it doesn’t.

The big twist?

The CLARITY Act allows tokens that were once regulated as securities to trade freely—peer to peer—after their initial sale.

Imagine you buy a tokenized share in a real estate project. Initially, it’s regulated like a stock. But once you own it, you’re free to trade it like a Pokémon card—without every trade being SEC-handcuffed.

It’s like saying: “Sure, we’ll regulate the initial coin offering (ICO)... but once it’s out there, let people do what they want.”

This unlocks a tidal wave of possibilities for secondary markets, tokenized assets, and decentralized platforms—all while keeping fraud in check.

In short, the CLARITY Act draws a sharp regulatory boundary:

• All Bitcoin, Ethereum, and mature decentralized tokens → CFTC supervision

• Fundraising rounds and security-like tokens → under SEC jurisdiction

• But after issuance? Free trading allowed like a baseball card swap

You know who loves this? Investors. Ethereum pumped. Bitcoin flexed. And the altcoin world started to dream again.

Why Now? And Why So Fast?

Follow the money.

These bills didn’t pass on goodwill. They passed because the crypto lobby finally showed up with sharper suits and sharper knives.

And Trump? He sees the opportunity. This is how he takes on the Fed, pulls a fast one on China, and taps into the next generation of finance.

These aren’t just crypto bills. They’re a framework for the new rules of money.

• GENIUS Act makes stablecoins legitimate.

• CLARITY Act tells you what’s a commodity, what’s a security, and when you can trade.

• Anti-CBDC Act shuts the door on the Fed.

And—for now—America just handed the keys to entrepreneurs.

This is just the beginning.