{
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  "site": "https://cryptowhat.net",
  "title": "The Register",
  "brand": "Crypto What",
  "tagline": "Cryptocurrency, Gone Simple",
  "generated_at": "2026-08-25T02:44:02+00:00",
  "notice": "Crypto What publishes dated facts about accepting stablecoins, each one cited to a listed source. Anchoring proves a record existed on a date and has not been edited since; it says nothing about whether the content is correct. Nothing here is tax, legal, accounting or investment advice, and nothing here evaluates a specific business, token or counterparty.",
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  "sources": [
    {
      "n": 1,
      "label": "Latham & Watkins — US Crypto Policy Tracker, legislative developments",
      "ref": "https://www.lw.com/en/us-crypto-policy-tracker/legislative-developments",
      "date": "2026-08-24"
    },
    {
      "n": 2,
      "label": "CoinDesk — US Senate opens first stage of CLARITY Act voting",
      "ref": "https://www.coindesk.com/policy/2026/08/08/u-s-senate-opens-first-stage-of-crypto-clarity-act-voting-to-give-bill-a-chance-next-month",
      "date": "2026-08-24"
    },
    {
      "n": 3,
      "label": "Troutman — Senate adjourns without CLARITY vote; September vote calendared",
      "ref": "https://www.troutmanfinancialservices.com/2026/08/senate-adjourns-without-clarity-act-vote-but-september-vote-now-on-the-calendar/",
      "date": "2026-08-24"
    },
    {
      "n": 4,
      "label": "FDIC — notice of proposed rulemaking approved by the board 2026-04-07 (Financial Institution Letter)",
      "ref": "https://www.fdic.gov/news/financial-institution-letters/2026/notice-proposed-rulemaking-establish-genius-act",
      "date": "2026-08-24"
    },
    {
      "n": 5,
      "label": "Federal Register — FDIC GENIUS Act proposed rule, published 2026-04-10, comments closed 2026-06-09",
      "ref": "https://www.federalregister.gov/documents/2026/04/10/2026-06974/genius-act-requirements-and-standards-for-fdic-supervised-permitted-payment-stablecoin-issuers-and",
      "date": "2026-08-24"
    },
    {
      "n": 6,
      "label": "Federal Register — Treasury GENIUS Act regulations, published 2026-08-18",
      "ref": "https://www.federalregister.gov/documents/2026/08/18/2026-16796/genius-act-regulations-on-payment-stablecoin-issuance-offer-and-sale",
      "date": "2026-08-24"
    },
    {
      "n": 7,
      "label": "ESMA guidelines on the assessment of knowledge and competence under MiCA Arts 68(5) and 81(7), dated 2026-01-28 (application date 2026-07-28 derived from the six-month rule)",
      "ref": "https://www.esma.europa.eu/sites/default/files/2026-01/ESMA35-24871704-2922_Guidelines_for_the_criteria_on_the_assessment_of_knowledge_and_competence_under_MiCA.pdf",
      "date": "2026-08-24"
    },
    {
      "n": 8,
      "label": "Stripe newsroom — Shopify and Stripe stablecoin payments",
      "ref": "https://stripe.com/newsroom/news/shopify-stripe-stablecoin-payments",
      "date": "2026-08-24"
    }
  ],
  "rows": [
    {
      "id": "r01-2025-06",
      "date": "2025-06",
      "date_label": "2025-06",
      "title": "USDC checkout reaches merchants in 34 countries",
      "body": "Shopify, Coinbase and Stripe announce USDC checkout for merchants across 34 countries.",
      "source_note": "Stripe newsroom, read 2026-08-24",
      "changed_since": "first entry. Acceptance moves from a specialist integration to a setting inside an existing checkout.",
      "sources": [
        {
          "n": 8,
          "label": "Stripe newsroom — Shopify and Stripe stablecoin payments",
          "ref": "https://stripe.com/newsroom/news/shopify-stripe-stablecoin-payments",
          "date": "2026-08-24"
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    {
      "id": "r02-2025-07",
      "date": "2025-07",
      "date_label": "2025-07",
      "title": "GENIUS Act signed",
      "body": "The stablecoin statute is enacted. It is not in force on the date of this entry.",
      "source_note": "US Crypto Policy Tracker (Latham & Watkins), read 2026-08-24",
      "changed_since": "the June 2025 rail entry.",
      "sources": [
        {
          "n": 1,
          "label": "Latham & Watkins — US Crypto Policy Tracker, legislative developments",
          "ref": "https://www.lw.com/en/us-crypto-policy-tracker/legislative-developments",
          "date": "2026-08-24"
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      "valid_as_of": "2026-08-24",
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      "anchor": {
        "schema": "cryptowhat.anchor/0.1",
        "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.",
        "ref": "register:r02-2025-07",
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    },
    {
      "id": "r03-2026-04-07",
      "date": "2026-04-07",
      "date_label": "2026-04-07",
      "title": "FDIC board approves a proposed rule",
      "body": "Rulemaking under the statute begins in public.",
      "source_note": "FDIC Financial Institution Letter, read 2026-08-24",
      "changed_since": "the July 2025 entry. The statute was law but had no rules under it; now a proposal exists to comment on.",
      "sources": [
        {
          "n": 4,
          "label": "FDIC — notice of proposed rulemaking approved by the board 2026-04-07 (Financial Institution Letter)",
          "ref": "https://www.fdic.gov/news/financial-institution-letters/2026/notice-proposed-rulemaking-establish-genius-act",
          "date": "2026-08-24"
        }
      ],
      "valid_as_of": "2026-08-24",
      "stale": false,
      "stale_reason": "last checked 2026-08-24, 0 days ago; within the 90-day review window",
      "anchor": {
        "schema": "cryptowhat.anchor/0.1",
        "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.",
        "ref": "register:r03-2026-04-07",
        "root": null,
        "leaf": null,
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        "verify_url": "https://cryptowhat.net/verify/?ref=register:r03-2026-04-07"
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    },
    {
      "id": "r04-2026-06-09",
      "date": "2026-06-09",
      "date_label": "2026-06-09",
      "title": "Comment period on the FDIC proposal closes",
      "body": "The proposal published in the Federal Register on 2026-04-10, and the sixty-day comment window ran to 2026-06-09.",
      "source_note": "Federal Register, FR document 2026-06974, read 2026-08-24",
      "changed_since": "2026-04-07. Comments are in; final rules are not.",
      "sources": [
        {
          "n": 5,
          "label": "Federal Register — FDIC GENIUS Act proposed rule, published 2026-04-10, comments closed 2026-06-09",
          "ref": "https://www.federalregister.gov/documents/2026/04/10/2026-06974/genius-act-requirements-and-standards-for-fdic-supervised-permitted-payment-stablecoin-issuers-and",
          "date": "2026-08-24"
        }
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      "valid_as_of": "2026-08-24",
      "stale": false,
      "stale_reason": "last checked 2026-08-24, 0 days ago; within the 90-day review window",
      "anchor": {
        "schema": "cryptowhat.anchor/0.1",
        "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.",
        "ref": "register:r04-2026-06-09",
        "root": null,
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        "verify_url": "https://cryptowhat.net/verify/?ref=register:r04-2026-06-09"
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    },
    {
      "id": "r05-2026-07-28",
      "date": "2026-07-28",
      "date_label": "2026-07-28 (derived)",
      "title": "ESMA's MiCA knowledge-and-competence guidelines apply",
      "body": "The guidelines ask crypto-asset service providers to review their staff's knowledge and competence at least once a year, and to keep it current through continuing professional development or training. They mandate no external certification and set no training cadence. The date is derived rather than printed: the guidelines are dated 2026-01-28 and apply six months after publication on ESMA's website.",
      "source_note": "ESMA guidelines ESMA35-24871704-2922 under MiCA Arts 68(5) and 81(7), read 2026-08-24",
      "changed_since": "nothing in the US rows. This is the first entry in this register where a rule is actually in force, and it binds service providers rather than merchants.",
      "sources": [
        {
          "n": 7,
          "label": "ESMA guidelines on the assessment of knowledge and competence under MiCA Arts 68(5) and 81(7), dated 2026-01-28 (application date 2026-07-28 derived from the six-month rule)",
          "ref": "https://www.esma.europa.eu/sites/default/files/2026-01/ESMA35-24871704-2922_Guidelines_for_the_criteria_on_the_assessment_of_knowledge_and_competence_under_MiCA.pdf",
          "date": "2026-08-24"
        }
      ],
      "valid_as_of": "2026-08-24",
      "stale": false,
      "stale_reason": "last checked 2026-08-24, 0 days ago; within the 90-day review window",
      "anchor": {
        "schema": "cryptowhat.anchor/0.1",
        "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.",
        "ref": "register:r05-2026-07-28",
        "root": null,
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        "verify_url": "https://cryptowhat.net/verify/?ref=register:r05-2026-07-28"
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    },
    {
      "id": "r06-2026-08-18",
      "date": "2026-08-18",
      "date_label": "2026-08-18",
      "title": "Treasury's GENIUS Act regulations appear in the Federal Register",
      "body": "",
      "source_note": "Federal Register, read 2026-08-24",
      "changed_since": "2026-06-09. The rulemaking advances; the statute's effective date still depends on when the primary regulators issue final rules.",
      "sources": [
        {
          "n": 6,
          "label": "Federal Register — Treasury GENIUS Act regulations, published 2026-08-18",
          "ref": "https://www.federalregister.gov/documents/2026/08/18/2026-16796/genius-act-regulations-on-payment-stablecoin-issuance-offer-and-sale",
          "date": "2026-08-24"
        }
      ],
      "valid_as_of": "2026-08-24",
      "stale": false,
      "stale_reason": "last checked 2026-08-24, 0 days ago; within the 90-day review window",
      "anchor": {
        "schema": "cryptowhat.anchor/0.1",
        "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.",
        "ref": "register:r06-2026-08-18",
        "root": null,
        "leaf": null,
        "proof": null,
        "network": "eip155:84532",
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        "verify_url": "https://cryptowhat.net/verify/?ref=register:r06-2026-08-18"
      }
    },
    {
      "id": "r07-2026-08-24",
      "date": "2026-08-24",
      "date_label": "2026-08-24",
      "title": "Reading: Stripe's published stablecoin terms",
      "body": "A flat 1.5% fee; settlement to USDC on Solana, Ethereum and Polygon; merchants paid in USD or in stablecoin; payments accepted from customers in more than 70 countries.",
      "source_note": "Stripe newsroom, read 2026-08-24",
      "changed_since": "the June 2025 rail entry. The country count and the fee are the two figures most likely to move, and this row exists so the next reading has something to be compared against.",
      "sources": [
        {
          "n": 8,
          "label": "Stripe newsroom — Shopify and Stripe stablecoin payments",
          "ref": "https://stripe.com/newsroom/news/shopify-stripe-stablecoin-payments",
          "date": "2026-08-24"
        }
      ],
      "valid_as_of": "2026-08-24",
      "stale": false,
      "stale_reason": "last checked 2026-08-24, 0 days ago; within the 90-day review window",
      "anchor": {
        "schema": "cryptowhat.anchor/0.1",
        "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.",
        "ref": "register:r07-2026-08-24",
        "root": null,
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        "network": "eip155:84532",
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        "verify_url": "https://cryptowhat.net/verify/?ref=register:r07-2026-08-24"
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    },
    {
      "id": "r08-2026-08-24",
      "date": "2026-08-24",
      "date_label": "2026-08-24",
      "title": "Reading: when the GENIUS Act takes effect",
      "body": "The Act takes effect on the earlier of 120 days after the primary regulators issue final rules, or 2027-01-18.",
      "source_note": "policy trackers and law-firm summaries, read 2026-08-24 — not the statute text",
      "changed_since": "nothing. This row records a reading and its limitation. The next edition re-checks it against the statute and records the result here, whichever way it comes out.",
      "sources": [
        {
          "n": 1,
          "label": "Latham & Watkins — US Crypto Policy Tracker, legislative developments",
          "ref": "https://www.lw.com/en/us-crypto-policy-tracker/legislative-developments",
          "date": "2026-08-24"
        }
      ],
      "valid_as_of": "2026-08-24",
      "stale": false,
      "stale_reason": "last checked 2026-08-24, 0 days ago; within the 90-day review window",
      "anchor": {
        "schema": "cryptowhat.anchor/0.1",
        "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.",
        "ref": "register:r08-2026-08-24",
        "root": null,
        "leaf": null,
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        "network": "eip155:84532",
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        "verify_url": "https://cryptowhat.net/verify/?ref=register:r08-2026-08-24"
      }
    },
    {
      "id": "r09-2026-09-15",
      "date": "2026-09-15",
      "date_label": "2026-09-15",
      "title": "Scheduled: CLARITY Act cloture vote",
      "body": "A cloture vote on the motion to proceed is calendared. Cloture requires 60 votes. This entry records a scheduled event and no outcome; the outcome becomes its own entry after the date.",
      "source_note": "CoinDesk, 2026-08-08; Troutman, August 2026; both read 2026-08-24",
      "changed_since": "the July 2025 entry, which is the last time this register recorded movement on federal crypto legislation.",
      "sources": [
        {
          "n": 2,
          "label": "CoinDesk — US Senate opens first stage of CLARITY Act voting",
          "ref": "https://www.coindesk.com/policy/2026/08/08/u-s-senate-opens-first-stage-of-crypto-clarity-act-voting-to-give-bill-a-chance-next-month",
          "date": "2026-08-24"
        },
        {
          "n": 3,
          "label": "Troutman — Senate adjourns without CLARITY vote; September vote calendared",
          "ref": "https://www.troutmanfinancialservices.com/2026/08/senate-adjourns-without-clarity-act-vote-but-september-vote-now-on-the-calendar/",
          "date": "2026-08-24"
        }
      ],
      "valid_as_of": "2026-08-24",
      "stale": false,
      "stale_reason": "last checked 2026-08-24, 0 days ago; within the 90-day review window",
      "anchor": {
        "schema": "cryptowhat.anchor/0.1",
        "note": "An anchor proves this record existed on this date and has not been edited since. It says nothing about whether the record is correct.",
        "ref": "register:r09-2026-09-15",
        "root": null,
        "leaf": null,
        "proof": null,
        "network": "eip155:84532",
        "tx": null,
        "verify_url": "https://cryptowhat.net/verify/?ref=register:r09-2026-09-15"
      }
    }
  ]
}