ATLANTA, GA — July 20, 2025 — As the U.S. government begins to roll out sweeping new regulations for stablecoins under the GENIUS Act (Guarding the Economy and National Interests Using Stablecoins Act), most crypto platforms are scrambling to adjust their operations. But not PhatFi.com.

This innovative Web3 platform, known for fusing commodity-backed assets with blockchain technology, is already ahead of the regulatory curve. In fact, PhatFi.com’s USDA stablecoin, which is uniquely backed by physical silver reserves, already meets or exceeds many of the core compliance measures outlined in the GENIUS Act — long before the law is fully implemented.


The GENIUS Act, signed into law on July 18, 2025, represents the first major federal framework for regulating stablecoins in the United States. It requires that all stablecoins be fully backed 1:1 by liquid and safe assets such as cash, U.S. Treasurys, or equivalents. It also introduces strict licensing requirements, monthly reserve disclosures, independent audits, and mandatory compliance with anti-money laundering (AML) and know-your-customer (KYC) protocols under the Bank Secrecy Act.

While most platforms will have until late 2026 to become compliant — following a rulemaking period and a 120-day grace period — PhatFi.com has already established all the necessary infrastructure. This includes:

1:1 Reserve Backing: USDA is backed by real silver, stored and verified by third-party custodians.

Transparency and Auditing: Internal audits and public reporting mechanisms are already in place.

AML/KYC Compliance: The platform has built-in user verification and transaction monitoring tools.

Direct Redemption: USDA holders can buy, sell, trade, or redeem the token seamlessly with full asset coverage.

“We didn’t wait for regulation to act responsibly,” said Thomas Ford, founder of PhatFi.com. “From day one, we designed our stablecoin USDA to function with integrity, backed by real-world assets and compliant systems. We saw what was coming, and now we’re ready while others are just getting started.”

As other projects begin navigating the GENIUS Act’s technical, legal, and operational hurdles, PhatFi.com is inviting Web3 developers, crypto investors, and digital finance institutions to take a serious look at USDA as a forward-compliant alternative. For more information, please visit https://phatfi.com/.

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