@natividadbloomfi
The GENIUS Act—by clarifying reserve quality, disclosures, and federal supervisory lanes—turns stablecoins from “regulatory gray” into analyzable money‐market instruments. For researchers, it unlocks comparable datasets: reserve composition, duration, custodians, stress-testing, and redemption mechanics. You can now model run risk using money-fund style liquidity tiers (daily/weekly), quantify yield pass-through to holders, and benchmark issuers’ net interest margins versus Treasury curves. Bank-connectivity and payment permissions enable adoption diffusion studies (merchant acceptance, remittance corridors). The act’s preemption scope sets a laboratory for interstate usage, letting you test network effects versus state regimes. Finally, standardized disclosures improve event-study design—e.g., spread reactions to reserve shocks—elevating stablecoin analysis from anecdote to policy-grade finance research with tractable risk, return, and utility variables.
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