On July 18, 2025, the U.S. took a defining step in digital asset policy.
With the signing of the GENIUS Act, stablecoins now have a federal regulatory framework for the first time. The implications are massive: consumer protections, AML enforcement, and reserve transparency are now federal requirements, not guidelines. And for companies operating at the intersection of stablecoins, APIs, and global finance, one thing is clear: 2025 is no longer a wait-and-see year.
At Coast, we work with many of the world’s leading stablecoin players like BVNK, Rain and Mesh, and others. These companies aren’t just reacting to regulation. They’re setting the benchmark for how compliance is displayed and scaled. And they’re doing it with Coast.
It’s go time.
What’s in the GENIUS Act
The GENIUS Act introduces the first federal regulatory framework for payment stablecoins. The law focuses on six core areas:
- 100% Reserve Requirements: Issuers must hold fully backed, liquid reserves - either in U.S. dollars or short-term Treasuries.
- Monthly Reserve Disclosures: Public, standardized reporting on reserve composition is now mandatory.
- Consumer Protection Rules: Marketing must be fair and transparent. Stablecoins may not be presented as legal tender or U.S. government-backed.
- Federal-State Alignment: Harmonizes state-by-state licensing into a unified compliance pathway.
- AML and Sanctions Enforcement: Stablecoin issuers are now explicitly covered under the Bank Secrecy Act, with requirements for KYC, sanctions checks, and suspicious activity reporting.
- Freeze and Burn Capability: All issuers must have the technical ability to comply with lawful orders to freeze or destroy tokens.
Strategically, the act does more than regulate. It positions the U.S. dollar and U.S. tech infrastructure as the foundation for global digital payments. By requiring reserves in Treasuries, the GENIUS Act also increases structural demand for U.S. debt. And it sets the U.S. on a path to become the dominant jurisdiction for compliant, programmable money.
Why this matters for API-first fintechs
The GENIUS Act changes the growth equation for these companies. It removes ambiguity. Clear rules mean clearer paths to enterprise partnerships, bank integrations, and international expansion.
In regulated industries, compliance is a feature, and one that must be shown, not just stated. Every stakeholder, from regulators to banking partners, needs to see how a platform handles KYC, reserve attestations, AML checks, and token lifecycle controls. That’s where Coast comes in.
How Coast customers are responding
The best API companies don’t pitch hypotheticals. They show the real thing.
BVNK uses Coast to deliver personalized demos showing how their stablecoin APIs integrate with client treasury systems - complete with workflows for issuing, redeeming, and freezing tokens in response to legal orders.
Rain builds demos that highlight their sanctions screening and AML pipeline, making it simple for partners and regulators to verify how compliance works step by step.
Mesh lets enterprise customers explore digital asset transfers with embedded KYC flows and reserve verification data, giving decision-makers confidence that what they’re seeing is real.
Across these use cases, Coast makes complex systems tangible. Instead of reading docs or slide decks, partners and stakeholders can interact with a real flow - see data move, watch webhooks fire, inspect the API responses. It’s all there, live and interactive.
Coast’s role: scaling trust and technical clarity
In a regulated market, go-to-market isn’t just about speed. It’s about certainty.
Coast gives stablecoin companies the ability to demonstrate trust, compliance, and technical depth with precision. Whether it's a boardroom conversation, a regulatory meeting, or a sales call with an enterprise CFO, Coast powers the story.
- Regulators see how sanction compliance and freeze functionality are implemented at the API level.
- Investors get clarity on how the product scales and how controls are enforced.
- Enterprise partners walk away with confidence that the integration is real, auditable, and compliant.
This is exactly why leaders like BVNK, Rain, Mesh, and over 100 fintechs rely on Coast to tell their story. Not with decks. With real software.
A new era, built on transparency
The GENIUS Act provides the framework. Coast provides the toolset.
In the coming years, every stablecoin issuer, infrastructure provider, and cross-border fintech will face the same challenge: how do you show that you're ready to operate in a regulated, dollar-backed, API-first financial system?
The answer isn’t more documentation. It’s more clarity.
That’s what Coast is built to deliver: live, interactive product experiences that make complex infrastructure legible to every stakeholder.
The era of regulated stablecoins has arrived. With Coast, the best companies are already prepared to lead it.
