The GENIUS Act, signed into law in July 2025, establishes a regulatory framework for fiat-backed stablecoins. This law allows banks and businesses to issue stablecoins backed by cash or U.S. Treasury bonds. Retailers like Walmart and Amazon could leverage stablecoins to drastically reduce transaction fees, potentially saving billions annually. Beyond fee reductions, stablecoins offer retailers improved cash flow, reduced fraud risk, and enhanced customer loyalty through branded digital currencies. Collectively, American merchants currently incur approximately $160 billion in annual transaction fees from payment cards.
When President Trump signed the bipartisan Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act into law in July 2025, America became the first nation to provide a regulatory framework for the issuance and oversight of secure, fiat-backed digital currencies.
The GENIUS Act requires the participating banks or businesses releasing stablecoins to back each dollar's worth of cryptocurrency with one dollar in cash or U.S. Treasury bonds - essentially, secure and liquid assets.
Store-issued stablecoins could help these retail behemoths bypass traditional payment networks and cut transaction fees to nearly zero.
Issuing a stablecoin offers compelling benefits to an enterprise retailer, such as better cash flow from instant settlements, lower fraud risk, and improved customer loyalty from a branded digital money.
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