Why stablecoin regulation might be the best thing for crypto

The U.S. is finally taking stablecoins seriously. Here's what that means for your crypto wallet, and how FOHLE is already ahead of the curve.

For years, stablecoins have lived in legal limbo. That’s about to change.

In May 2025, the U.S. Senate began advancing the Genius Act, a landmark piece of legislation that sets out clear rules for how stablecoins should be issued, backed, and used. The goal? Bring stability and institutional trust to a part of crypto that’s grown too big to ignore.

And the numbers don’t lie. Analysts now predict the stablecoin market could hit $2.5 trillion by 2030, up from just under $150 billion today.

But what does that mean for everyday users? For crypto newcomers? And for a wallet like FOHLE?

Let’s unpack it.

First, what are stablecoins?

Stablecoins are cryptocurrencies pegged to something stable, usually the U.S. dollar. Think of them as the “digital cash” of the blockchain world.

• USDC and USDT are two of the biggest today.

• They're used to move money, make payments, or hold crypto without volatility.

• But until now, they’ve operated in a regulatory grey zone.

This uncertainty made traditional banks hesitant to get involved… but that’s about to change.

Enter the Genius Act: regulation with teeth

The Genius Act aims to do three things:

1. Define who can issue stablecoins (licensed institutions only)

2. Set strict reserve requirements (1:1 backing with audited transparency)

3. Introduce real enforcement for bad actors or unstable coins

This is more than just a policy tweak. It opens the door for legacy finance giants like Bank of America or Fidelity to enter the stablecoin game, with full regulatory blessing.

So what’s FOHLE’s role in all this?

At FOHLE, we welcome regulation, but not at the cost of decentralization.

We built our wallet on core crypto values:

• You own your assets

• No seed phrase required

• No exchange middlemen

• Compliant, but not custodial

As stablecoin regulation ramps up, we’ll do the work to integrate regulated coins in a compliant, user-friendly way. That means:

• Supporting regulated stablecoins (like USDC or future bank-issued tokens)

• Maintaining non-custodial architecture (you control the keys)

• Working with partners who meet U.S. and EU standards

• Letting users transact globally, without needing a PhD in crypto

What it means for you

• Safer stablecoins: You’ll be using assets backed by real, enforceable reserves.

• Wider adoption: Your friends, your boss, your bank, stablecoins will be everywhere.

• FOHLE makes it easy: Whether it's USDC or FidelityUSD, you’ll use it just like Revolut, except with real control.

TL;DR

• U.S. stablecoin regulation is coming fast.

• Big institutions are getting ready to launch their own coins.

• FOHLE is already set up to support this new world, while staying true to crypto's roots.

**At FOHLE, our job isn’t to make you learn regulation. It’s to make sure you don’t have to.**Compliance under the hood. Simplicity on the surface. That’s the FOHLE way.

FOHLE Finance. In your POCKET, under CONTROL.