{ "schema": "cryptowhat/0.1", "site": "https://cryptowhat.net", "title": "The Register", "brand": "Crypto What", "tagline": "Cryptocurrency, Gone Simple", "generated_at": "2026-09-25T12:26:01+00:00", "notice": "Crypto What publishes dated facts about accepting stablecoins, each one cited to a listed source. Anchoring proves a record existed on a date and has not been edited since; it says nothing about whether the content is correct. Nothing here is tax, legal, accounting or investment advice, and nothing here evaluates a specific business, token or counterparty.", "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:2026-09-23", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:2026-09-23" }, "url": "https://cryptowhat.net/register.html", "sources": [ { "n": 1, "label": "Latham & Watkins — US Crypto Policy Tracker, legislative developments", "ref": "https://www.lw.com/en/us-crypto-policy-tracker/legislative-developments", "date": "2026-09-07" }, { "n": 2, "label": "CoinDesk — US Senate opens first stage of CLARITY Act voting", "ref": "https://www.coindesk.com/policy/2026/08/08/u-s-senate-opens-first-stage-of-crypto-clarity-act-voting-to-give-bill-a-chance-next-month", "date": "2026-08-24" }, { "n": 3, "label": "Troutman — Senate adjourns without CLARITY vote; September vote calendared", "ref": "https://www.troutmanfinancialservices.com/2026/08/senate-adjourns-without-clarity-act-vote-but-september-vote-now-on-the-calendar/", "date": "2026-08-24" }, { "n": 4, "label": "FDIC — notice of proposed rulemaking approved by the board 2026-04-07 (Financial Institution Letter)", "ref": "https://www.fdic.gov/news/financial-institution-letters/2026/notice-proposed-rulemaking-establish-genius-act", "date": "2026-09-07" }, { "n": 5, "label": "Federal Register — FDIC GENIUS Act proposed rule, published 2026-04-10, comments closed 2026-06-09", "ref": "https://www.federalregister.gov/documents/2026/04/10/2026-06974/genius-act-requirements-and-standards-for-fdic-supervised-permitted-payment-stablecoin-issuers-and", "date": "2026-09-07" }, { "n": 6, "label": "Federal Register — Treasury GENIUS Act regulations, published 2026-08-18, comments due 2026-10-19", "ref": "https://www.federalregister.gov/documents/2026/08/18/2026-16796/genius-act-regulations-on-payment-stablecoin-issuance-offer-and-sale", "date": "2026-09-07" }, { "n": 7, "label": "ESMA guidelines on the assessment of knowledge and competence under MiCA Arts 68(5) and 81(7), dated 2026-01-28 (application date 2026-07-28 derived from the six-month rule)", "ref": "https://www.esma.europa.eu/sites/default/files/2026-01/ESMA35-24871704-2922_Guidelines_for_the_criteria_on_the_assessment_of_knowledge_and_competence_under_MiCA.pdf", "date": "2026-09-07" }, { "n": 8, "label": "Stripe newsroom — Shopify and Stripe stablecoin payments (dated June 12, 2025)", "ref": "https://stripe.com/newsroom/news/shopify-stripe-stablecoin-payments", "date": "2026-09-07" }, { "n": 9, "label": "GENIUS Act as enacted — Public Law 119-27 (S. 1582), approved July 18, 2025; section 20 is the effective-date section", "ref": "https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm", "date": "2026-09-07" }, { "n": 10, "label": "Stripe documentation — Stablecoin payments (payment-method properties, disputes, refunds, transaction limits)", "ref": "https://docs.stripe.com/payments/stablecoin-payments", "date": "2026-09-07" }, { "n": 11, "label": "Stripe — published pricing page (stablecoins priced under Payments and again under Link)", "ref": "https://stripe.com/pricing", "date": "2026-09-07" }, { "n": 12, "label": "Federal Register — SEC proposed rule \"Regulation Crypto Assets\", published 2026-08-21, comments due 2026-10-20", "ref": "https://www.federalregister.gov/documents/2026/08/21/2026-17183/regulation-crypto-assets", "date": "2026-09-07" }, { "n": 13, "label": "Federal Register — search over RULE documents for \"GENIUS Act\" (the search behind the no-final-rule reading)", "ref": "https://www.federalregister.gov/documents/search?conditions%5Bterm%5D=%22GENIUS+Act%22&conditions%5Btype%5D%5B%5D=RULE", "date": "2026-09-07" }, { "n": 14, "label": "United States Senate — Tentative 2026 Legislative Schedule (state work period 2026-08-10 to 2026-09-11)", "ref": "https://www.senate.gov/legislative/2026_schedule.htm", "date": "2026-09-07" }, { "n": 15, "label": "United States Senate — Senate Floor Schedule (next and previous meeting)", "ref": "https://www.senate.gov/legislative/schedule/floor_schedule.htm", "date": "2026-09-07" }, { "n": 16, "label": "This site — editorial record", "ref": "/about", "date": "2026-09-23" }, { "n": 17, "label": "OCC — news release, notice of proposed rulemaking to implement the GENIUS Act (dated 2026-02-25)", "ref": "https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-9.html", "date": "2026-09-23" }, { "n": 18, "label": "Federal Register — OCC/Treasury GENIUS Act NPRM (new 12 CFR Part 15; amends Parts 3, 6, 8 and 19), published 2026-03-02, comments closed 2026-05-01", "ref": "https://www.federalregister.gov/documents/2026/03/02/2026-04089/implementing-the-guiding-and-establishing-national-innovation-for-us-stablecoins-act-for-the", "date": "2026-09-23" }, { "n": 19, "label": "United States Senate — Roll Call Vote No. 234, 119th Congress, 2nd Session (2026-09-15) — cloture on the motion to proceed to H.R. 3633", "ref": "https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00234.htm", "date": "2026-09-23" }, { "n": 20, "label": "CryptoTimes — CLARITY Act fails 49-50 in US Senate (independent secondary reporting, cross-checked against the Senate roll call)", "ref": "https://www.cryptotimes.io/2026/09/20/clarity-act-fails-49-50-in-us-senate-as-sec-cftc-move-ahead-on-crypto-rules-within-48-hours/", "date": "2026-09-23" } ], "rows": [ { "id": "r01-2025-06", "date": "2025-06", "date_label": "2025-06", "title": "USDC checkout reaches merchants in 34 countries", "body": "Shopify, Coinbase and Stripe announce USDC checkout for merchants across 34 countries.", "source_note": "Stripe newsroom, read 2026-08-24", "changed_since": "first entry. Acceptance moves from a specialist integration to a setting inside an existing checkout.", "sources": [ { "n": 8, "label": "Stripe newsroom — Shopify and Stripe stablecoin payments (dated June 12, 2025)", "ref": "https://stripe.com/newsroom/news/shopify-stripe-stablecoin-payments", "date": "2026-09-07" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r01-2025-06", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r01-2025-06" } }, { "id": "r02-2025-07", "date": "2025-07", "date_label": "2025-07", "title": "GENIUS Act signed", "body": "The stablecoin statute is enacted. It is not in force on the date of this entry.", "source_note": "US Crypto Policy Tracker (Latham & Watkins), read 2026-08-24", "changed_since": "the June 2025 rail entry.", "sources": [ { "n": 1, "label": "Latham & Watkins — US Crypto Policy Tracker, legislative developments", "ref": "https://www.lw.com/en/us-crypto-policy-tracker/legislative-developments", "date": "2026-09-07" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r02-2025-07", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r02-2025-07" } }, { "id": "r03-2026-04-07", "date": "2026-04-07", "date_label": "2026-04-07", "title": "FDIC board approves a proposed rule", "body": "Rulemaking under the statute begins in public.", "source_note": "FDIC Financial Institution Letter, read 2026-08-24", "changed_since": "the July 2025 entry. The statute was law but had no rules under it; now a proposal exists to comment on.", "sources": [ { "n": 4, "label": "FDIC — notice of proposed rulemaking approved by the board 2026-04-07 (Financial Institution Letter)", "ref": "https://www.fdic.gov/news/financial-institution-letters/2026/notice-proposed-rulemaking-establish-genius-act", "date": "2026-09-07" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r03-2026-04-07", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r03-2026-04-07" } }, { "id": "r04-2026-06-09", "date": "2026-06-09", "date_label": "2026-06-09", "title": "Comment period on the FDIC proposal closes", "body": "The proposal published in the Federal Register on 2026-04-10, and the sixty-day comment window ran to 2026-06-09.", "source_note": "Federal Register, FR document 2026-06974, read 2026-08-24", "changed_since": "2026-04-07. Comments are in; final rules are not.", "sources": [ { "n": 5, "label": "Federal Register — FDIC GENIUS Act proposed rule, published 2026-04-10, comments closed 2026-06-09", "ref": "https://www.federalregister.gov/documents/2026/04/10/2026-06974/genius-act-requirements-and-standards-for-fdic-supervised-permitted-payment-stablecoin-issuers-and", "date": "2026-09-07" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r04-2026-06-09", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r04-2026-06-09" } }, { "id": "r05-2026-07-28", "date": "2026-07-28", "date_label": "2026-07-28 (derived)", "title": "ESMA's MiCA knowledge-and-competence guidelines apply", "body": "The guidelines ask crypto-asset service providers to review their staff's knowledge and competence at least once a year, and to keep it current through continuing professional development or training. They mandate no external certification and set no training cadence. Partly corrected on 2026-09-07 by the ESMA entry of that date below: the guidelines do set a cadence, and the term they use is continuous professional development, not continuing; the no-external-certification half of the sentence stands. The date is derived rather than printed: the guidelines are dated 2026-01-28 and apply six months after publication on ESMA's website.", "source_note": "ESMA guidelines ESMA35-24871704-2922 under MiCA Arts 68(5) and 81(7), read 2026-08-24", "changed_since": "nothing in the US rows. This is the first entry in this register where a rule is actually in force, and it binds service providers rather than merchants.", "sources": [ { "n": 7, "label": "ESMA guidelines on the assessment of knowledge and competence under MiCA Arts 68(5) and 81(7), dated 2026-01-28 (application date 2026-07-28 derived from the six-month rule)", "ref": "https://www.esma.europa.eu/sites/default/files/2026-01/ESMA35-24871704-2922_Guidelines_for_the_criteria_on_the_assessment_of_knowledge_and_competence_under_MiCA.pdf", "date": "2026-09-07" }, { "n": 16, "label": "This site — editorial record", "ref": "/about", "date": "2026-09-23" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r05-2026-07-28", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r05-2026-07-28" } }, { "id": "r06-2026-08-18", "date": "2026-08-18", "date_label": "2026-08-18", "title": "Treasury's GENIUS Act regulations appear in the Federal Register", "body": "", "source_note": "Federal Register, read 2026-08-24", "changed_since": "2026-06-09. The rulemaking advances; the statute's effective date still depends on when the primary regulators issue final rules.", "sources": [ { "n": 6, "label": "Federal Register — Treasury GENIUS Act regulations, published 2026-08-18, comments due 2026-10-19", "ref": "https://www.federalregister.gov/documents/2026/08/18/2026-16796/genius-act-regulations-on-payment-stablecoin-issuance-offer-and-sale", "date": "2026-09-07" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r06-2026-08-18", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r06-2026-08-18" } }, { "id": "r07-2026-08-24", "date": "2026-08-24", "date_label": "2026-08-24", "title": "Reading: Stripe's published stablecoin terms", "body": "A flat 1.5% fee; settlement to USDC on Solana, Ethereum and Polygon; merchants paid in USD or in stablecoin; payments accepted from customers in more than 70 countries. Corrected on 2026-09-07 by the entry of that date below: of those four figures only the settlement options were on the page this row cites, and the corrected readings are recorded in that later entry against Stripe's own product documentation and pricing page.", "source_note": "Stripe newsroom, read 2026-08-24", "changed_since": "the June 2025 rail entry. The country count and the fee are the two figures most likely to move, and this row exists so that a later reading, if one is made, has something to compare against.", "sources": [ { "n": 8, "label": "Stripe newsroom — Shopify and Stripe stablecoin payments (dated June 12, 2025)", "ref": "https://stripe.com/newsroom/news/shopify-stripe-stablecoin-payments", "date": "2026-09-07" }, { "n": 10, "label": "Stripe documentation — Stablecoin payments (payment-method properties, disputes, refunds, transaction limits)", "ref": "https://docs.stripe.com/payments/stablecoin-payments", "date": "2026-09-07" }, { "n": 11, "label": "Stripe — published pricing page (stablecoins priced under Payments and again under Link)", "ref": "https://stripe.com/pricing", "date": "2026-09-07" }, { "n": 16, "label": "This site — editorial record", "ref": "/about", "date": "2026-09-23" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r07-2026-08-24", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r07-2026-08-24" } }, { "id": "r08-2026-08-24", "date": "2026-08-24", "date_label": "2026-08-24", "title": "Reading: when the GENIUS Act takes effect", "body": "The Act takes effect on the earlier of 120 days after the primary regulators issue final rules, or 2027-01-18.", "source_note": "policy trackers and law-firm summaries, read 2026-08-24 — not the statute text", "changed_since": "nothing. This row records a reading and its limitation. Re-checked on 2026-09-07 by the entry of that date below: the statute was read and the tracker reading held.", "sources": [ { "n": 1, "label": "Latham & Watkins — US Crypto Policy Tracker, legislative developments", "ref": "https://www.lw.com/en/us-crypto-policy-tracker/legislative-developments", "date": "2026-09-07" }, { "n": 16, "label": "This site — editorial record", "ref": "/about", "date": "2026-09-23" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r08-2026-08-24", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r08-2026-08-24" } }, { "id": "r09-2026-09-15", "date": "2026-09-15", "date_label": "2026-09-15", "title": "Scheduled: CLARITY Act cloture vote", "body": "A cloture vote on the motion to proceed is calendared. Cloture requires 60 votes. This entry recorded a scheduled event and no outcome. The outcome is recorded in the entry below dated 2026-09-15, added 2026-09-23: cloture failed, 49 Yea to 50 Nay.", "source_note": "CoinDesk, 2026-08-08; Troutman, August 2026; both read 2026-08-24", "changed_since": "the July 2025 entry, which is the last time this register recorded movement on federal crypto legislation.", "sources": [ { "n": 2, "label": "CoinDesk — US Senate opens first stage of CLARITY Act voting", "ref": "https://www.coindesk.com/policy/2026/08/08/u-s-senate-opens-first-stage-of-crypto-clarity-act-voting-to-give-bill-a-chance-next-month", "date": "2026-08-24" }, { "n": 3, "label": "Troutman — Senate adjourns without CLARITY vote; September vote calendared", "ref": "https://www.troutmanfinancialservices.com/2026/08/senate-adjourns-without-clarity-act-vote-but-september-vote-now-on-the-calendar/", "date": "2026-08-24" }, { "n": 19, "label": "United States Senate — Roll Call Vote No. 234, 119th Congress, 2nd Session (2026-09-15) — cloture on the motion to proceed to H.R. 3633", "ref": "https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00234.htm", "date": "2026-09-23" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r09-2026-09-15", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r09-2026-09-15" } }, { "id": "r10-2026-02-25", "date": "2026-02-25", "date_label": "2026-02-25", "title": "The OCC proposes its own GENIUS Act rule", "body": "The Office of the Comptroller of the Currency announced a notice of proposed rulemaking to implement the GENIUS Act for payment stablecoin issuers under its own jurisdiction, and for custody activities by OCC-supervised entities. The proposal published in the Federal Register on 2026-03-02, jointly under Treasury and the OCC, creating a new 12 CFR Part 15 and amending Parts 3, 6, 8 and 19; its docket is OCC-2025-0372, RIN 1557-AF41. Comments were due 60 days after publication, which the Federal Register's own record dates 2026-05-01 — the same date this register already flagged without naming its source, on the FDIC entry above: that entry's own source notes a 2026-05-01 window that belongs to \"the OCC's parallel proposal\". That proposal is this one. The window closed before this reading, and the search this register already runs for a final GENIUS Act rule, re-run today, still returns none from the OCC or from either of the other two primary Federal payment stablecoin regulators. Three regulators, three proposed rules, none of them final: the FDIC's above, Treasury's below, and this one.", "source_note": "OCC news release, read 2026-09-23; Federal Register, FR document 2026-04089, read 2026-09-23", "changed_since": "the scheduled-vote entry immediately above. This entry sits here, right after the last entry this register had already published, rather than at its own chronological point between the July 2025 and 2026-04-07 entries above, because its date (2026-02-25) is earlier than every entry from 2026-08-21 on and this register does not renumber rows it has already shipped; this is also the first entry in this register naming the OCC's own proposal rather than the FDIC's or Treasury's.", "sources": [ { "n": 4, "label": "FDIC — notice of proposed rulemaking approved by the board 2026-04-07 (Financial Institution Letter)", "ref": "https://www.fdic.gov/news/financial-institution-letters/2026/notice-proposed-rulemaking-establish-genius-act", "date": "2026-09-07" }, { "n": 13, "label": "Federal Register — search over RULE documents for \"GENIUS Act\" (the search behind the no-final-rule reading)", "ref": "https://www.federalregister.gov/documents/search?conditions%5Bterm%5D=%22GENIUS+Act%22&conditions%5Btype%5D%5B%5D=RULE", "date": "2026-09-07" }, { "n": 16, "label": "This site — editorial record", "ref": "/about", "date": "2026-09-23" }, { "n": 17, "label": "OCC — news release, notice of proposed rulemaking to implement the GENIUS Act (dated 2026-02-25)", "ref": "https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-9.html", "date": "2026-09-23" }, { "n": 18, "label": "Federal Register — OCC/Treasury GENIUS Act NPRM (new 12 CFR Part 15; amends Parts 3, 6, 8 and 19), published 2026-03-02, comments closed 2026-05-01", "ref": "https://www.federalregister.gov/documents/2026/03/02/2026-04089/implementing-the-guiding-and-establishing-national-innovation-for-us-stablecoins-act-for-the", "date": "2026-09-23" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r10-2026-02-25", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r10-2026-02-25" } }, { "id": "r11-2026-08-21", "date": "2026-08-21", "date_label": "2026-08-21", "title": "The SEC proposes an offering regime for crypto assets", "body": "The Securities and Exchange Commission published a proposed rule titled Regulation Crypto Assets, which would create two exemptions from Securities Act registration for certain crypto-asset offerings — one for offerings up to $5 million over a four-year period, one for offerings up to $75 million in each 12-month period — and set a comment deadline of 2026-10-20. It governs people who offer or sell crypto assets as investments, not a shop that takes a dollar-denominated stablecoin in payment for goods. It is recorded here because a register that quietly skipped the largest federal crypto rulemaking published inside its own reading window would be worth less than one that records it and says who it binds.", "source_note": "Federal Register, FR document 2026-17183, read 2026-09-07", "changed_since": "the 2026-08-18 entry — this is the first entry here about securities law rather than payments law, and it is here to be ruled out rather than ruled in.", "sources": [ { "n": 12, "label": "Federal Register — SEC proposed rule \"Regulation Crypto Assets\", published 2026-08-21, comments due 2026-10-20", "ref": "https://www.federalregister.gov/documents/2026/08/21/2026-17183/regulation-crypto-assets", "date": "2026-09-07" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r11-2026-08-21", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r11-2026-08-21" } }, { "id": "r12-2026-09-07", "date": "2026-09-07", "date_label": "2026-09-07", "title": "Reading: the comment deadline on Treasury's stablecoin proposal", "body": "Treasury's proposal implements section 3 of the GENIUS Act, the section that governs who may issue a payment stablecoin and who may offer or sell one, and its own DATES caption reads Comments on the NPRM must be received on or before October 19, 2026. The 2026-08-18 entry recorded the publication and carried no deadline; this entry adds the deadline and leaves that entry alone.", "source_note": "Federal Register, FR document 2026-16796, docket TREAS-DO-2026-0496, read 2026-09-07", "changed_since": "the 2026-08-18 entry. This window was open at this reading and at the 2026-09-23 re-reading recorded below, and runs to 2026-10-19. A comment window a reader can still reach is the one part of a live rulemaking they can act on, which is why it earns a dated row of its own rather than a footnote.", "sources": [ { "n": 6, "label": "Federal Register — Treasury GENIUS Act regulations, published 2026-08-18, comments due 2026-10-19", "ref": "https://www.federalregister.gov/documents/2026/08/18/2026-16796/genius-act-regulations-on-payment-stablecoin-issuance-offer-and-sale", "date": "2026-09-07" }, { "n": 16, "label": "This site — editorial record", "ref": "/about", "date": "2026-09-23" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r12-2026-09-07", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r12-2026-09-07" } }, { "id": "r13-2026-09-07", "date": "2026-09-07", "date_label": "2026-09-07", "title": "Reading: the GENIUS Act effective date, against the statute this time", "body": "The 2026-08-24 entry recorded this rule from policy trackers and said on its face that the statute had not been read. It has now been read. Section 20 of Public Law 119-27 provides that the Act and the amendments made by it take effect on the earlier of the date that is 18 months after the date of enactment, or the date that is 120 days after the date on which the primary Federal payment stablecoin regulators issue any final regulations implementing it; the Act was approved 2025-07-18, which puts the outer date at 2027-01-18. The tracker reading was right and the entry that recorded it stands. One thing the one-sentence summary leaves out is section 3(b)(1), which sets a second date three years after enactment — 2028-07-18 — after which it is unlawful for a digital asset service provider to offer or sell a payment stablecoin to a person in the United States unless a permitted payment stablecoin issuer issued it.", "source_note": "the statute as enacted, Public Law 119-27 (S. 1582), sections 3 and 20, read 2026-09-07", "changed_since": "the 2026-08-24 effective-date entry, whose stated limitation this entry closes.", "sources": [ { "n": 1, "label": "Latham & Watkins — US Crypto Policy Tracker, legislative developments", "ref": "https://www.lw.com/en/us-crypto-policy-tracker/legislative-developments", "date": "2026-09-07" }, { "n": 9, "label": "GENIUS Act as enacted — Public Law 119-27 (S. 1582), approved July 18, 2025; section 20 is the effective-date section", "ref": "https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm", "date": "2026-09-07" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r13-2026-09-07", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r13-2026-09-07" } }, { "id": "r14-2026-09-07", "date": "2026-09-07", "date_label": "2026-09-07", "title": "Reading: Stripe's stablecoin terms, from Stripe's own documentation", "body": "This entry corrects the 2026-08-24 Stripe entry, which attributed four figures to a newsroom post dated June 12, 2025 that carries one of them. Read on 2026-09-07, Stripe's product documentation for stablecoin payments gives customer locations as Global, excluding sanctioned countries; presentment currency as USD, with other currencies in private preview; accepted tokens as USDC on the Tempo, Ethereum, Solana, Polygon and Base networks, USDP on Ethereum and Solana and USDG on Ethereum, both US-only; recurring payments yes; refunds and partial refunds yes; dispute support no; manual capture not supported; and payout timing varying by network. The same page states that completed payments settle in the merchant's Stripe balance in the merchant's local currency, that a refund is always returned as stablecoins to the customer's original wallet, and that customer transaction limits are 10,000 USD per transaction. Stripe's published pricing page carries two stablecoin prices on the same day: in the Payments block, 1.5% of the transaction amount in USD, with conversion to fiat, wallet and AML screening, fraud prevention and gas sponsorship included; in the Link block, 0.8% per successful transaction, marked a promotional rate through January 1, 2027 with 0.2% added after that. For comparison on that same page, domestic cards are listed at 2.9% plus 30¢ per successful transaction, and a dispute received on a card payment carries a $15.00 fee. A published pricing page is a list price, not the rate on any particular merchant's contract.", "source_note": "Stripe product documentation and Stripe pricing, both read 2026-09-07, against the newsroom post the earlier entry cited", "changed_since": "the 2026-08-24 Stripe entry. The fee now has a second and cheaper form with an expiry date on it, the token and network list is longer than the earlier entry said, the country figure is not a count any more, and the flat fee was never on the page that entry cited.", "sources": [ { "n": 8, "label": "Stripe newsroom — Shopify and Stripe stablecoin payments (dated June 12, 2025)", "ref": "https://stripe.com/newsroom/news/shopify-stripe-stablecoin-payments", "date": "2026-09-07" }, { "n": 10, "label": "Stripe documentation — Stablecoin payments (payment-method properties, disputes, refunds, transaction limits)", "ref": "https://docs.stripe.com/payments/stablecoin-payments", "date": "2026-09-07" }, { "n": 11, "label": "Stripe — published pricing page (stablecoins priced under Payments and again under Link)", "ref": "https://stripe.com/pricing", "date": "2026-09-07" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r14-2026-09-07", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r14-2026-09-07" } }, { "id": "r15-2026-09-07", "date": "2026-09-07", "date_label": "2026-09-07", "title": "Reading: the CLARITY vote is still calendared, and the Senate has not been sitting", "body": "The procedural vote in the scheduled entry above is still calendared for 2026-09-15 on the tracker that carried it in August, which describes it as a cloture vote on the motion to proceed requiring 60 votes to overcome a filibuster. The Senate's own tentative schedule for this year shows a state work period running 2026-08-10 to 2026-09-11, and on the day of this reading its floor schedule page gave the previous meeting as a pro forma session on 2026-09-04 and the next as a pro forma session on 2026-09-08. Nothing could have moved on the floor between the scheduled entry and this one, because the chamber was not there. One of the three sources behind the scheduled entry, a news report, would not open to this site today: it returned a rate-limit response, directly and through a reader proxy. The other two were re-read and are unchanged — the tracker directly, and the law-firm post through the reader proxy that this project already uses for hosts that refuse it, which gives the vote date as September 15, 2026, \"the day after the Senate returns from its August recess\".", "source_note": "the Senate's tentative 2026 legislative schedule and its floor schedule page, both read 2026-09-07, with the tracker read the same day", "changed_since": "the scheduled entry above. On the date of this reading nothing about the outcome was known. The outcome is recorded in the entry dated 2026-09-15, added 2026-09-23.", "sources": [ { "n": 1, "label": "Latham & Watkins — US Crypto Policy Tracker, legislative developments", "ref": "https://www.lw.com/en/us-crypto-policy-tracker/legislative-developments", "date": "2026-09-07" }, { "n": 2, "label": "CoinDesk — US Senate opens first stage of CLARITY Act voting", "ref": "https://www.coindesk.com/policy/2026/08/08/u-s-senate-opens-first-stage-of-crypto-clarity-act-voting-to-give-bill-a-chance-next-month", "date": "2026-08-24" }, { "n": 3, "label": "Troutman — Senate adjourns without CLARITY vote; September vote calendared", "ref": "https://www.troutmanfinancialservices.com/2026/08/senate-adjourns-without-clarity-act-vote-but-september-vote-now-on-the-calendar/", "date": "2026-08-24" }, { "n": 14, "label": "United States Senate — Tentative 2026 Legislative Schedule (state work period 2026-08-10 to 2026-09-11)", "ref": "https://www.senate.gov/legislative/2026_schedule.htm", "date": "2026-09-07" }, { "n": 15, "label": "United States Senate — Senate Floor Schedule (next and previous meeting)", "ref": "https://www.senate.gov/legislative/schedule/floor_schedule.htm", "date": "2026-09-07" }, { "n": 16, "label": "This site — editorial record", "ref": "/about", "date": "2026-09-23" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r15-2026-09-07", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r15-2026-09-07" } }, { "id": "r16-2026-09-07", "date": "2026-09-07", "date_label": "2026-09-07", "title": "Reading: no final rule under the GENIUS Act yet", "body": "The statute's effective date turns on final regulations, so this reading goes looking for them. A Federal Register search over rule documents for the GENIUS Act, run on the day of this entry, returns proposed rules and notices and no final rule from a primary Federal payment stablecoin regulator. On that reading the earlier of the two dates in section 20 is still the outer one, 2027-01-18, and it stays the outer one until a final rule publishes and 120 days run from it.", "source_note": "the Federal Register's own search over its rule documents, run 2026-09-07, read against section 20 of the statute", "changed_since": "the 2026-08-18 Treasury entry and the effective-date entries above. A negative finding is worth a dated row precisely because it is the kind of thing that stops being true without announcing itself, and the search that produced it is named so a reader can run it again.", "sources": [ { "n": 9, "label": "GENIUS Act as enacted — Public Law 119-27 (S. 1582), approved July 18, 2025; section 20 is the effective-date section", "ref": "https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm", "date": "2026-09-07" }, { "n": 13, "label": "Federal Register — search over RULE documents for \"GENIUS Act\" (the search behind the no-final-rule reading)", "ref": "https://www.federalregister.gov/documents/search?conditions%5Bterm%5D=%22GENIUS+Act%22&conditions%5Btype%5D%5B%5D=RULE", "date": "2026-09-07" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r16-2026-09-07", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r16-2026-09-07" } }, { "id": "r17-2026-09-07", "date": "2026-09-07", "date_label": "2026-09-07", "title": "Reading: the ESMA guidelines do set a training cadence", "body": "This entry corrects the 2026-07-28 entry above, which said the guidelines mandate no external certification and set no training cadence. Read again on 2026-09-07, the first half of that sentence holds and the second half does not. Guideline 2, paragraph 21 tells crypto-asset service providers to determine, from the nature of the crypto-assets and services their staff give information about, the adequate minimum number of hours of continuous professional development or training per year that those staff should complete, and it carries ESMA's own worked example: staff giving information on a limited range of the least complex crypto-assets or services should complete 10 hours of CPD. Guideline 3, paragraph 26 repeats the structure for staff giving advice, with a worked example of 20 hours, and a footnote saying those 20 hours cover the 10. The number is set by each provider rather than by ESMA, and the examples are examples — but a provider that sets no number at all is not following the guidelines, and no training cadence is set said the opposite of that. The other half of the earlier sentence stands: paragraph 19 leaves the competence assessment to be conducted either by the provider itself or by an external body, so no external certification is mandated. One wording correction travels with this entry: the guidelines say continuous professional development throughout, and the earlier entry wrote continuing.", "source_note": "ESMA guidelines ESMA35-24871704-2922 under MiCA Arts 68(5) and 81(7), 19 pages, re-read as a PDF 2026-09-07", "changed_since": "the 2026-07-28 entry, which stays where it is and carries a pointer to this one. This is the first entry in this register that corrects a rulemaking reading rather than a rail reading, and it came out of re-reading a document the earlier edition had already marked confirmed — which is the argument for re-reading them.", "sources": [ { "n": 7, "label": "ESMA guidelines on the assessment of knowledge and competence under MiCA Arts 68(5) and 81(7), dated 2026-01-28 (application date 2026-07-28 derived from the six-month rule)", "ref": "https://www.esma.europa.eu/sites/default/files/2026-01/ESMA35-24871704-2922_Guidelines_for_the_criteria_on_the_assessment_of_knowledge_and_competence_under_MiCA.pdf", "date": "2026-09-07" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r17-2026-09-07", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r17-2026-09-07" } }, { "id": "r18-2026-09-15", "date": "2026-09-15", "date_label": "2026-09-15", "title": "Outcome: CLARITY Act cloture vote fails, 49–50", "body": "The vote scheduled in the entry above happened on the date recorded there. The Senate's own roll call record, Vote No. 234 of the 119th Congress, 2nd session, gives the question as cloture on the motion to proceed to H.R. 3633, taken 2026-09-15 at 2:19 p.m. Eastern; the result as 49 Yea, 50 Nay, 1 Not Voting; and the requirement as three-fifths of the Senate, 60 votes. Cloture failed. The motion to proceed did not advance by this route; the measure stayed on the calendar and had not been withdrawn on the record this site could reach. This site tried to confirm from congress.gov's own actions page for the bill whether any reschedule exists and could not load the page; this site has hit the same block on that host before. This entry therefore records the status as stalled, no reschedule found on the record this site can reach rather than dead or rescheduled.", "source_note": "United States Senate, official roll call, read 2026-09-23; cross-checked against independent reporting the same day", "changed_since": "the entry above, which now carries a pointer to this one.", "sources": [ { "n": 19, "label": "United States Senate — Roll Call Vote No. 234, 119th Congress, 2nd Session (2026-09-15) — cloture on the motion to proceed to H.R. 3633", "ref": "https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00234.htm", "date": "2026-09-23" }, { "n": 20, "label": "CryptoTimes — CLARITY Act fails 49-50 in US Senate (independent secondary reporting, cross-checked against the Senate roll call)", "ref": "https://www.cryptotimes.io/2026/09/20/clarity-act-fails-49-50-in-us-senate-as-sec-cftc-move-ahead-on-crypto-rules-within-48-hours/", "date": "2026-09-23" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r18-2026-09-15", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r18-2026-09-15" } }, { "id": "r19-2026-09-23", "date": "2026-09-23", "date_label": "2026-09-23", "title": "Reading: the two open windows and the outer date, together", "body": "Two Federal Register comment windows have stood open on the same statute at once, recorded three entries apart in this register. Treasury's proposal implementing section 3 of the GENIUS Act accepts comments through 2026-10-19, re-read on 2026-09-23 via the Federal Register API and unchanged from the entry above. The OCC's own proposal, entered above, closed 2026-05-01 and is not final. None of the three primary Federal payment stablecoin regulators — the FDIC, the OCC or Treasury — had published a final rule under the statute as of 2026-09-23, re-checked that day over the same search this register has run since 2026-09-07. The statute's own outer effective date, read from section 20 of Public Law 119-27, stays 2027-01-18: the earlier of 18 months after enactment or 120 days after a final rule, and as of 2026-09-23 no final rule had started that clock. This entry adds no new fact; it restates a deadline, a closed window and an outer date that already sit in three separate entries above, because a reader arriving at this register should not have to reconstruct the calendar from them.", "source_note": "Federal Register, FR document 2026-16796, re-read 2026-09-23; the statute, section 20, cited again unchanged; the no-final-rule search, re-run 2026-09-23", "changed_since": "nothing in the facts; this entry restates rather than corrects.", "sources": [ { "n": 6, "label": "Federal Register — Treasury GENIUS Act regulations, published 2026-08-18, comments due 2026-10-19", "ref": "https://www.federalregister.gov/documents/2026/08/18/2026-16796/genius-act-regulations-on-payment-stablecoin-issuance-offer-and-sale", "date": "2026-09-07" }, { "n": 9, "label": "GENIUS Act as enacted — Public Law 119-27 (S. 1582), approved July 18, 2025; section 20 is the effective-date section", "ref": "https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm", "date": "2026-09-07" }, { "n": 13, "label": "Federal Register — search over RULE documents for \"GENIUS Act\" (the search behind the no-final-rule reading)", "ref": "https://www.federalregister.gov/documents/search?conditions%5Bterm%5D=%22GENIUS+Act%22&conditions%5Btype%5D%5B%5D=RULE", "date": "2026-09-07" }, { "n": 18, "label": "Federal Register — OCC/Treasury GENIUS Act NPRM (new 12 CFR Part 15; amends Parts 3, 6, 8 and 19), published 2026-03-02, comments closed 2026-05-01", "ref": "https://www.federalregister.gov/documents/2026/03/02/2026-04089/implementing-the-guiding-and-establishing-national-innovation-for-us-stablecoins-act-for-the", "date": "2026-09-23" } ], "valid_as_of": "2026-09-23", "stale": false, "stale_reason": "last checked 2026-09-23, 2 days ago; within the 90-day review window", "anchor": { "schema": "cryptowhat.anchor/0.1", "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.", "ref": "register:r19-2026-09-23", "root": null, "leaf": null, "proof": null, "network": "eip155:84532", "tx": null, "verify_url": "https://cryptowhat.net/verify/?ref=register:r19-2026-09-23" } } ] }