The U.S. Crypto Regulation Bill, approved on June 8, 2025, aims to clarify roles in the cryptocurrency landscape, including tokens and services offered by wallets and banks.
Classification of Digital Assets
The bill distinctly categorizes assets into two types: tokens controlled by a unified group must be registered with the SEC, while independent digital currencies with no centralized control fall under the CFTC’s jurisdiction. This separation is expected to reduce legal disputes and accelerate the approval process for new projects.
Wallet Exceptions and Banking Services
Non-custodial wallets are now exempt from the Bank Secrecy Act, reducing bureaucratic burdens. Banks are permitted to offer crypto custody, trading, and lending services if they are insured and comply with standard banking regulations.
Outlook and Conclusions
The U.S. Crypto Regulation Bill presents new growth opportunities, providing legal certainty for wallet makers and allowing banks to launch crypto products. Gradually, stablecoins will face increased oversight, which may reignite institutional interest in the market.
The U.S. Crypto Regulation Bill lays a foundation for a new era in digital finance, ensuring user protection and fostering innovation in the cryptocurrency sector.
