US GENIUS Act Analysis

Data-led explainers on the GENIUS Act, OCC crypto charters and New York licences, each with original charts.

• The GENIUS Act Takes Effect on 18 January 2027. 16 of Its Rules Are Still Proposals

  21 Oct 2026 · Why the date is fixed, what becomes unlawful, which agencies have proposed what, and the 2028 deadlines for states and exchanges.

• The OCC Has Approved 17 Crypto Bank Charters Since December. 8 Plan Stablecoins

  21 Oct 2026 · Circle, Ripple, Paxos, BitGo, Fidelity, Bridge, Crypto.com, Coinbase and others: what each decision says the bank will do, and what it will not.

• 39 Companies Hold a New York Crypto Licence. Who They Are

  21 Oct 2026 · BitLicenses, money transmitter licences and trust charters by year, the 6 stablecoins approved in New York, and who is missing.