Stablecoins Are Finally Legal—Now Comes the Hard Part

Key Points

1. The GENIUS Act, with bipartisan support, has established stablecoins as a regulated and safe component of the U.S. financial system.

2. Despite regulatory progress, adoption is hindered by the complexity and poor user experience of Web3 applications.

3. The next wave of Web3 users is focused on practical applications in finance, logistics, and creator monetization, not speculation.

4. The blockchain industry needs to shift focus from decentralization to building systems that outperform traditional alternatives in functionality and ease of use.

5. Programmable infrastructure is essential to leverage the potential of programmable money and meet user demands for efficiency and simplicity.