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The Digital Dollar

Stablecoins, FedNow and the laws now shaping digital money in the United States. These guides explain what each one is, what the rules require and where each stands today.

ChartCBDC and Stablecoin TrackerEvery country's CBDC stage, the US rules and stablecoin supply.Open the chart

Guides

Guide · 28 Oct 2026What Is a Stablecoin? Reserves, Types and the Largest CoinsHow a private company keeps a token worth one dollar, what sits behind the $303 billion now in circulation, and what the GENIUS Act requires of issuers from January 2027.Guide · 28 Oct 2026The CLARITY Act Explained: What It Does and Where It StandsThe Digital Asset Market Clarity Act would decide which regulator oversees which tokens. It cleared the House in 2025 and failed a Senate procedural vote by one vote in September 2026.Guide · 28 Oct 2026The GENIUS Act Explained: What the Stablecoin Law RequiresThe first federal stablecoin law, read section by section: who can issue, what must back each token, what holders give up, and how far regulators have got with the rules.Guide · 28 Oct 2026What Is FedNow, and Is It a CBDC?The Fed's instant payment rails move ordinary bank deposits in seconds. What the system is, how far it has spread, what it costs, and what the Fed can and cannot see.Guide · 28 Oct 2026What Is Digital Currency? The Four Kinds of Digital MoneyNine in ten dollars in the money supply already exist only as computer entries. What separates one kind of digital money from another is who issues it, what stands behind it and who can stop a payment.Guide · 28 Oct 2026Currency Transaction Reports: The $10,000 Cash Rule ExplainedBanks report cash transactions over $10,000 to the Treasury. The threshold dates from 1972, produced 21.5 million reports in fiscal 2025, and has never been raised for inflation.Guide · 28 Oct 2026Is Cash Going Away? The Cashless Society in NumbersCash has fallen to one payment in seven in the United States, yet the stock of paper dollars keeps growing. Where the law protects cash, and what Sweden learned by letting it fade.Guide · 28 Oct 2026Circle and USDC: How the Second-Largest Dollar Stablecoin WorksCircle issues USDC, a $71 billion digital dollar backed mostly by short-term Treasury paper. Its filings show where the reserves sit, who checks them, and who earns the interest.

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