CertiK Says US Crypto Regulation Is Now Clearer Under New Federal Rules

CertiK’s latest U.S. Digital Asset Policy Report shows that 2025 marked a major turning point for crypto regulation in the United States. A series of federal actions finally provided the industry with its most straightforward rulebook yet, pushing the sector from years of uncertainty toward a more structured compliance environment. This shift is changing how banks, custodians, and crypto companies operate.

A Clear Three-Pillar Federal Framework

The regulatory progress centers on three developments: the GENIUS Act, the CLARITY Act, and the SEC’s decision to withdraw Staff Accounting Bulletin 121. Together, these measures form the core of a new national framework for digital assets.

The updated rules outline how stablecoins must be backed and redeemed, give clearer definitions for different types of digital tokens, and set standards for when institutions can legally offer crypto custody services.

For major banks and trust companies, this means less confusion and more predictable oversight. CertiK notes that firms entering the custody business now have clearer expectations, while stablecoin issuers must follow uniform requirements for reserves and operations.

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States Add Their Own Rules

Even as federal regulation strengthens, states are continuing to build their own digital asset rules. CertiK highlights that more states are introducing licensing systems, cybersecurity standards, and anti–anti-money-laundering requirements. Although each state differs, the overall direction is toward a more consistent compliance baseline for companies operating nationwide.

The report also points to rapid advances in blockchain analytics and smarter code-auditing tools, which are becoming increasingly important as smart contracts handle more financial activity.

Permissioned Digital Assets Gain Traction

CertiK’s review finds that traditional financial institutions are showing growing interest in Permissioned Digital Assets, blockchain-based instruments designed to operate fully within regulatory standards.

With liquidity now splitting between major regulatory regions like the U.S. and Europe under MiCA, companies that can operate across different rulebooks and build compliant infrastructure in multiple jurisdictions are likely to gain a competitive advantage.

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