Stablecoin Regulation in 2025: What the New Laws Mean for Treasury
Analysis of emerging stablecoin legislation in the US, EU, and Asia, and how compliant infrastructure positions enterprises for success.
US Regulatory Landscape
Multiple stablecoin bills are advancing through Congress, with broad bipartisan support for a regulatory framework. Common elements across proposals include: 1:1 reserve backing requirements, regular attestations, restrictions on reserve composition, and state or federal licensing requirements. GRAIN's design anticipates these requirements—full USDC backing with on-chain proof of reserves.
EU MiCA Framework
The Markets in Crypto-Assets (MiCA) regulation provides comprehensive rules for stablecoin issuers operating in the EU. Key requirements include authorization from a national regulator, minimum capital requirements (€350K for e-money tokens), and reserve asset restrictions. GRAIN's Circle/USDC foundation provides a compliant pathway for EU operations.
Compliance Positioning
GRAIN is designed for regulatory clarity from day one. By building on USDC's regulated infrastructure and maintaining transparent, over-collateralized reserves, we anticipate meeting requirements across major jurisdictions as frameworks finalize.
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