The future of payments got a boost from Congress through its July 2025 passage of the GENIUS Act, which could reshape payments in everyday life from contracts to the checkout line. The GENIUS Act defines “payment stablecoins” as digital assets intended for use in transactions that can be exchanged for a set amount of money tied to a national currency. The new law governing the issuance of payment stablecoins establishes two categories of regulated business entities: “Permitted Payment Stab
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