Introduction to
With the proposal for the GENIUS Act in the United States and the expansion of traditional financial services in the crypto space, it is crucial to understand how these changes affect the global market and consequently Brazilian investors.
Regulation of Stablecoins by 2026
The year 2026 brought new guidelines for stablecoins, especially with the proposal for the GENIUS Act, which aims to prohibit the 'transfer insurance' for stablecoins by third parties. The FDIC, the agency responsible for overseeing bank deposits in the U.S., announced that it will not insure stablecoins deposits under this new law.
Impact on the market
This regulatory change can have a significant impact on the stablecoins market, which has grown exponentially in recent years. Companies that offer stablecoins custody and transfer services will need to adapt to the new rules, which can affect investor confidence and the liquidity of these assets.
Protection of Investors
The lack of deposit insurance for stablecoins can increase the risk for investors. Companies like Revolut, which recently obtained a full banking license in the UK, are positioning themselves to offer safer and more regulated services, which can attract investors seeking greater protection.
Financial Services and Cryptocurrencies
In 2026, we see a growing integration between traditional financial services and cryptocurrencies. Revolut, for example, has obtained a banking license in the UK and is expanding its services to include more cryptocurrency options. This trend reflects the market maturity and the search for safer and regulated solutions.
Mastercard and the Crypto Partnership Program
Mastercard has launched a crypto partnership program that connects cryptocurrency companies, banks and payment providers. This program aims to explore the blockchain-based payment and settlement infrastructure, showing the growing interest of large companies in adopting crypto technologies.
Mining and Institutional Interest
Companies like Foundry are expanding their mining services to include cryptocurrencies beyond Bitcoin. In April 2026, Foundry plans to launch a Zcash mining pool, a privacy-focused cryptocurrency. This move reflects the growing institutional interest in crypto assets that offer greater privacy and security.
Ripple and the Market in 2026
Ripple announced a $750 million share repurchase program by April 2026. Despite the fall in XRP price last year, the company expects to a 25% higher valuation than in November 2025.
The Conclusion
The year 2026 is being marked by significant changes in the regulation of stablecoins and the integration of traditional financial services with cryptocurrencies. These changes reflect the market maturity and the quest for greater security and protection for investors. Companies like Revolut, Mastercard and Ripple are adapting to this new scenario, offering more robust and regulated services.