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ARTICLE · 28 JULY 2025

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Comparing The U.S. GENIUS Act To EU's MiCA: A Transatlantic Clash In Crypto Regulation

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The Guiding and Establishing National Innovation for U.S. Stablecoins Act (the GENIUS Act) was signed into law in the United States (the US) on 18th July 2025.

MaltaTechnology
Joseph F. Borg
Joseph F. Borg
Nicholas Scerri
Nicholas Scerri
Isaac James Camilleri
Isaac James Camilleri
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The Guiding and Establishing National Innovation for U.S. Stablecoins Act (the GENIUS Act) was signed into law in the United States (the US) on 18th July 2025.

This is a landmark in US cryptocurrency (crypto) legislation because it is the first major US legislation relating to crypto, specifically stablecoins. On the other hand, the European Union (EU) implemented the European Union's Markets in Crypto-Assets Regulation (MiCA) that came into force as of the 30th of December 2024. MiCA stands as a far-reaching EU level law aimed at crypto assets in general, including the regulation of stablecoins. Both laws officially aim at creating an environment that plants innovation and market growth with a high presence of financial soundness and safeguarding investors. That aside, both legislations fundamentally differ in approach, scope, means and requirements for regulation.

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