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07/20/2026

Tether Faces Two-Year GENIUS Act Countdown as U.S. Compliance Risks Mount

What happened: The U.

Tether Faces Two-Year GENIUS Act Countdown as U.S. Compliance Risks Mount

What happened: The U.S. GENIUS Act, signed on July 18, 2025, set strict requirements for stablecoin issuers, including full cash or T-bill reserves, $5M capital minimums, and rapid redemption. Regulators missed the one-year rulemaking deadline on July 18, 2026, leaving Tether's USDT—whose reserves remain ~25% non-compliant—on uncertain footing. Tether's U.S.-compliant token, USAT (USA₮), launched in January 2026 via Anchorage Digital, has seen minimal adoption.

Why it matters: The law will be fully enforced by July 2028, but could take effect as soon as January 2027 if regulators finalize rules. With USDT still dominant on U.S. platforms and its reserves not fully aligned with GENIUS requirements, Tether faces a shrinking window to adapt or risk delisting. The lack of regulatory clarity could paradoxically extend Tether's runway, but also increases uncertainty for U.S. crypto markets and stablecoin users.

Source: CoinDesk