Seeds of Wisdom RV and Economic Updates Wednesday Afternoon 8-6-25
Good Afternoon Dinar Recaps,
“The Time Is Now”: U.S. Reclaims Leadership Role in Global Crypto Race
White House crypto report, SEC’s Project Crypto, and the GENIUS/CLARITY Acts set stage for regulatory realignment
A new era may be unfolding for U.S. crypto policy as top federal regulators and lawmakers move in concert to reposition the United States as the global leader in digital asset innovation and governance.
The shift was catalyzed by a sweeping White House digital asset strategy report, released last week, calling for interagency alignment and regulatory modernization. Now, with both the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) advancing targeted crypto initiatives, and with bipartisan legislation gaining momentum, the U.S. crypto sector appears headed for a long-awaited regulatory breakthrough.
CCI: U.S. Reclaiming the Lead
Ji Hun Kim, newly appointed CEO of the Crypto Council for Innovation (CCI), hailed the White House’s report as a “pivotal” moment in restoring America’s strategic position in the global digital economy.
“The time is now for the U.S. to lead,” Kim told Cointelegraph. “We’ve had legal precedent — Bitcoin, Ether and many other digital assets are much more akin to commodities. The CFTC will have an important role to play in their oversight.”
The report appears to mark the end of a long-running jurisdictional battle between the SEC and CFTC, affirming that digital commodities (like Bitcoin and Ether) fall under CFTC oversight, while the SEC will focus on tokenized securities.
This new division of labor is precisely what the CLARITY Act codifies — a bill that passed the House and awaits Senate deliberation.
From Turf War to Regulatory Unity
The SEC responded with the launch of Project Crypto, a reform initiative to provide streamlined, unified licensing for brokerages operating across asset classes. It aims to establish clear guardrails for token issuance, custody, and investor protection — without reflexively labeling crypto assets as securities to stifle innovation.
“It should not be a scarlet letter to be deemed a security,” said SEC Commissioner Paul Atkins. “Investors will benefit from access to features like distributions and voting rights.”
Simultaneously, CFTC Acting Chair Caroline Pham announced a “crypto sprint” to rapidly implement the White House’s recommendations for digital commodity oversight — from spot market regulation to tokenized commodity frameworks.
“You’ll see increased collaboration between the two agencies,” said Kim. “That’s a theme many people overlook. It was included in the President’s executive order from January.”
GENIUS Act: Stablecoin Strategy as Dollar Diplomacy
The U.S. isn’t just aiming for regulatory clarity — it’s responding to global stablecoin competition. As China deploys its digital yuan through satellite jurisdictions like Hong Kong, and the EU implements MiCA rules, the U.S. is pushing forward with the GENIUS Act, designed to tokenize the U.S. dollar through private stablecoins.
“GENIUS provides a market-driven path forward,” Kim explained. “It allows for privacy, innovation, and growth without relying on a government-issued CBDC.”
This is a clear rejection of central bank digital currencies (CBDCs), which former President Trump formally banned in a January executive order, citing surveillance risks. Instead, the U.S. approach emphasizes competitive, dollar-backed stablecoins — an area where firms like Circle, Ripple, and Paxos are already heavily active.
Other Jurisdictions Losing Ground
As global crypto hubs tighten regulations, the U.S. may reclaim its appeal:
Dubai’s regulator issued compliance ultimatums.
Singapore ejected firms exploiting gray areas.
Hong Kong imposed strict new licensing for stablecoin issuers — which analysts believe is part of China’s digital yuan export strategy.
While these regimes offer clarity, they’re proving less crypto-friendly in practice — creating an opening for U.S. capital markets to become the preferred destination for compliant digital asset firms.
Regulatory Clarity ≠ Deregulation
Critics, including Senator Elizabeth Warren and over 80 civil rights groups, claim the CLARITY Act amounts to crypto deregulation. But Kim pushed back:
“This is not deregulation. It’s structured engagement. It’s about creating rules tailored to digital assets, fighting illicit finance, and giving the industry a framework to operate within — not outside — the law.”
Outlook: From Crypto Backwater to Global Standard-Setter
After years of regulatory paralysis, the U.S. crypto regulatory ecosystem is now showing signs of strategic coherence:
The White House report sets the policy tone.
The SEC’s Project Crypto establishes enforcement boundaries and licensing paths.
The CFTC sprint reclaims digital commodity jurisdiction.
The GENIUS and CLARITY Acts provide the legislative backbone for stablecoin and asset classification frameworks.
Taken together, these developments represent a wholesale realignment — and potentially a new Bretton Woods moment in the making, with tokenized dollars, clear governance models, and global financial influence flowing through U.S.-regulated rails.
📌 Key Acts to Watch:
GENIUS Act: Private stablecoin standard to reinforce dollar dominance
CLARITY Act: Defines SEC vs. CFTC jurisdiction over digital assets
🧭 What’s Next:
Senate vote on CLARITY Act
SEC/CFTC rulemaking under new crypto directives
Implementation of Project Crypto & CFTC sprint
@ Newshounds News™
Source: Cointelegraph
~~~~~~~~~
UK Greenlights Crypto ETNs for Retail Investors, Reigniting Push Toward Digital Asset Hub Status
Reversal of FCA ban signals strategic regulatory shift, but derivatives remain off-limits
In a move that signals a major policy pivot, the United Kingdom’s Financial Conduct Authority (FCA) has lifted its ban on crypto exchange-traded notes (cETNs) for retail investors — a decision widely seen as a bid to restore the UK’s ambitions of becoming a global digital asset hub.
The change, announced on August 2, will go into effect October 8, 2025, reversing a ban originally implemented in January 2021 over concerns around volatility and investor protection.
Industry leaders say the updated stance reflects maturing markets, better product understanding, and a regulatory recalibration in favor of proportional consumer access.
FCA's Ban Reversal: A Turning Point for UK Crypto Policy
In a statement accompanying the decision, the FCA acknowledged that the crypto market has evolved considerably in recent years and noted increased sophistication among both investors and product structures. The agency emphasized that the regulatory framework remains focused on protecting consumers while supporting innovation.
Ian Taylor, board adviser at CryptoUK and COO of HT Digital, called the decision “long overdue”:
“Until now, the UK has been an outlier on ETNs. This change reflects the progress we’ve made toward introducing a more proportionate approach to consumer risk.”
CryptoUK, a key trade association, has long advocated for inclusive access to regulated crypto products, including ETNs — which allow investors to track crypto asset performance without directly holding the underlying tokens.
Industry Praises Return of Retail Autonomy
Riccardo Tordera, director of policy and government relations at The Payments Association, welcomed the FCA’s move as an essential correction to an overprotective stance that hindered the UK’s crypto ambitions.
“The intrinsic nature of crypto means it can be accessed by everyone, from everywhere,” said Tordera.
“The FCA ban on retail access to certain crypto products was hindering the UK’s chances of becoming a global crypto hub.”
According to Tordera, the updated rules empower individual investors to make decisions “at their own risk,” while also improving the UK’s global competitiveness in the race to attract crypto firms, capital, and innovation.
Skeptics Push Back With Satire
Not all reactions were celebratory. In typical fashion, WallStreetBets founder Jaime Rogozinski responded to the announcement with a jab at British priorities:
“Britain loves financial risk — just not the kind that involves, say, vegetables or an industrial policy.”
His comment — part sarcasm, part policy critique — reflects lingering skepticism about the UK’s broader economic posture, particularly in the post-Brexit era.
Crypto Derivatives Still Prohibited
Despite this breakthrough, the FCA reaffirmed that crypto derivatives remain banned for retail traders. These products — including futures, options, and perpetual contracts — are still considered too complex and high-risk for the average investor.
“The FCA’s ban on retail access to crypto asset derivatives will remain in place,” the agency confirmed.
However, it also stated that it would continue to monitor market developments and reassess its approach based on evolving risk metrics and industry feedback.
Outlook: Competitive Crypto Landscape Forces UK’s Hand
The FCA’s reversal appears to reflect not just evolving markets, but also growing international pressure. Jurisdictions such as Hong Kong, Singapore, the UAE, and parts of the EU have aggressively moved toward regulated retail access to crypto instruments, placing the UK at a strategic disadvantage.
With global finance and digital assets increasingly interlinked, this policy shift could mark the start of a broader regulatory transformation — one that attempts to strike a balance between investor protection and market dynamism.
📌 Effective Date:
Retail access to crypto ETNs resumes October 8, 2025
Still Banned:
Crypto derivatives (futures, options, perpetuals)
@ Newshounds News™
Sources: Cointelegraph
~~~~~~~~~
Ripple’s RLUSD Surpasses Zcash in Market Cap as Stablecoin Adoption Surges
GENIUS Act fuels institutional momentum behind Ripple USD, signaling a new phase in the dollar tokenization race
Ripple’s dollar-pegged stablecoin RLUSD has officially overtaken Zcash (ZEC) in market capitalization, marking a significant shift in crypto capital flows. With $602.6 million in market value and $35.8 million in daily trending volume, RLUSD now ranks 8th among stablecoins and 104th overall, just shy of the global top 100 digital assets.
More than just a market reshuffle, RLUSD’s rise reflects a wider transformation in crypto adoption as institutional capital pivots toward compliant, U.S.-backed digital dollar alternatives — particularly those aligned with the newly enacted GENIUS Act.
Zcash Slips to 106th Amid Privacy Token Pressure
Zcash, once a prominent privacy-focused cryptocurrency, has seen its market presence eroded over time, now trading at $35.20 — down over 11% in the past week and 99% below its all-time high of $5,941. The coin has failed to recover amid increasing regulatory scrutiny of anonymous transactions and dwindling investor interest.
ZEC Technical Overview:
Trading below 200-day SMA — long-term bearish signal
MACD histogram at –0.615 — sustained negative momentum
Underperforming 52% of top 100 assets over the past year
Currently capped by 30-day SMA resistance at $41.23
This downturn comes as regulators worldwide move against privacy coins, raising concerns about their role in facilitating illicit finance — and opening the door for compliant alternatives like RLUSD.
RLUSD Emerges as Strategic Stablecoin Contender
RLUSD’s rise isn’t simply opportunistic — it’s structural.
As a dollar-pegged stablecoin built within the Ripple liquidity ecosystem, RLUSD benefits from RippleNet’s global banking partnerships and the growing enterprise use of tokenized U.S. dollars. The recent passage of the GENIUS Act, which formalizes stablecoin standards and reinforces dollar-denominated reserve backing, has further boosted institutional confidence.
“RLUSD is quietly capturing market share as investors rotate into regulated, high-trust digital assets,” one analyst noted. “The GENIUS Act gives issuers like Ripple the legal clarity needed to scale.”
Current Stats:
Market Cap: $602.6 million
Stablecoin Rank: #8 (trailing only PayPal USD at #7)
24h Trending Volume: $35.8 million
Price: Stable at $1.00
GENIUS Act: From Tokenization to Dominance
The GENIUS Act, signed into law earlier this year, is a landmark stablecoin framework designed to ensure that U.S. dollar-backed stablecoins remain the global reserve standard in a tokenized financial system.
Rather than rely on a government-issued CBDC — which former President Trump banned via executive order — the GENIUS Act empowers private-sector innovation in stablecoin issuance, provided firms meet rigorous reserve, reporting, and AML compliance requirements.
RLUSD’s institutional ascent reflects this pivot: capital is no longer fleeing the U.S. regulatory system — it’s aligning with it.
Legacy Coins Under Pressure as RLUSD Rises
With RLUSD climbing the ranks and poised to enter the top 100 global cryptocurrencies, pressure is mounting on legacy and mid-tier altcoins. Analysts suggest that Zcash’s continued decline could be the first in a wave of devaluations for tokens that lack regulatory viability or real-world integration.
Meanwhile, RLUSD is beginning to mirror XRP’s path toward deeper banking sector disruption — offering a dollar-denominated gateway into Ripple’s expanding institutional network.
“If XRP is the bridge, RLUSD is the base currency,” one market commentator observed. “Both are now part of the same liquidity engine.”
Key Takeaways:
RLUSD surpasses Zcash with $602.6M market cap
GENIUS Act credited with accelerating stablecoin adoption
Institutional capital shifting from privacy coins to regulated assets
Ripple USD ranks #8 among stablecoins, eyeing top 100 entry
XRP ecosystem deepens as RLUSD gains traction
@ Newshounds News™
Source: Cointribune
~~~~~~~~~
Crypto Paychecks? Gen Z Leads Surge in Stablecoin Demand
New study shows 75% of Gen Z open to stablecoin salaries, highlighting a generational shift in finance adoption amid GENIUS Act momentum
A recent survey by Cryptoninjas reveals that Generation Z is leading the charge in stablecoin adoption, with nearly half transacting monthly and 75% expressing willingness to receive their salaries in stablecoins. As Washington advances legislation to formalize stablecoin infrastructure through the GENIUS Act, this generational pivot is becoming harder to ignore.
Gen Z Embraces Stablecoins as the New Financial Rails
According to the study:
46% of Gen Z participants use stablecoins monthly
Only 30% of Millennials and 29% of Gen X transact monthly
53% of all participants have used stablecoins at least once
Younger users are gravitating toward crypto-native financial services, such as yield farming and inflation-resistant savings. Among Gen Z, yield opportunities are the top motivation, with speed, inflation hedging, and on-ramps to crypto rounding out the list.
“For 46% of Generation Z, the big draw is yield farming,” the report noted. “Speed, inflation protection, and easy access to crypto round out their list.”
Stablecoin Salaries? Gen Z Says Yes
Perhaps most revealing: 57% of all stablecoin users said they’d be open to getting paid in stablecoins. That number jumps to 75% among Gen Z, compared to:
53.2% of Millennials
Only 33.3% of Gen X
This aligns with broader demographic data showing Gen Z’s high comfort with digital wallets, crypto apps, and tokenized financial instruments, including those introduced via legislation like the GENIUS Act, which creates a regulatory framework for dollar-backed stablecoins.
Adoption Barriers: Real-World Use Still Lags
Despite the enthusiasm, the top concern remains limited utility:
42.4% of users cite lack of real-world acceptance
Other concerns include price volatility (12.9%), unclear regulation (11.5%), fees (9.4%), and security (6.5%)
The report concludes that usability and user experience are crucial to mass adoption — especially for older users. Most people won’t use stablecoins regularly until apps evolve beyond their “crypto-native” design and offer everyday functions like bill pay, shopping, and savings tools in a clear, accessible format.
Strategic Implications: The GENIUS Act and a Dollar-Backed Future
As stablecoin usage accelerates among digital natives, Washington’s response is taking shape. The GENIUS Act, which enshrines standards for reserve-backed, transparent, and regulated stablecoin issuance, aims to ensure that U.S.-denominated digital assets become the global standard — not an afterthought.
With younger generations driving demand, and institutional players like Ripple and PayPal rolling out compliant stablecoins, the U.S. financial system is at a tipping point — one where tokenized dollars could become the default payment medium for the next generation of workers.
Key Findings:
Gen Z leads in stablecoin usage and salary acceptance
75% of Gen Z would take their paycheck in stablecoins
Main barriers: lack of real-world utility and user-friendly apps
Demand for yield, inflation protection, and fast payments driving usage
Stablecoins are shifting from speculation to salary and savings
@ Newshounds News™
Source: Bitcoin.com
~~~~~~~~~
Seeds of Wisdom Team RV Currency Facts Youtube and Rumble
Newshound's News Telegram Room Link
Follow the Roadmap
Follow the Timeline
Seeds of Wisdom Team™ Website
Thank you Dinar Recaps