Singapore, Singapore, December 5th, 2025, Chainwire

CertiK, the world's largest Web3 security services provider, has announced the release of the CertiK U.S. Digital Asset Policy Report, a comprehensive analysis of the regulatory frameworks that shaped the United States in 2025. The report outlines how new federal legislation and market structure reforms are redefining compliance expectations for digital asset firms.

The CertiK report examines a three-part federal framework emerging from recent legislative milestones: the GENIUS and CLARITY Acts, as well as the SEC’s rescission of Staff Accounting Bulletin 121. Together, these developments create clearer standards for stablecoin issuance, digital asset classification, and institutional custody.

The findings indicate that banks and trust companies now have a clearer path to offering digital asset custody; stablecoin issuers face uniform reserve and redemption rules; and multi-state operators must navigate a universal baseline of cybersecurity and AML requirements.

“This report reveals a pivotal shift in how digital assets are regulated and supervised across the United States,” said Kayvon Hosseini, Head of Advisory at CertiK. “By analyzing federal legislation and market structure proposals, as well as state-level obligations, the research highlights the operational demands that digital asset firms must meet in the coming years.”

Key findings from the report include:

• The GENIUS Act and CLARITY Acts have created clearer standards for stablecoin issuance and digital asset classification.
• Senate market structure proposals have introduced tailored disclosures and expanded the CFTC’s oversight of digital commodity markets.
• The rescission of SAB 121 removes prior capital constraints on digital asset custodians, enabling broader bank participation.
• Fragmented state licensing regimes continue to create a preemption gap for multi-state operators despite a universal baseline emerging for cybersecurity and AML compliance.
• Institutional pilots, including the Regulated Liability Network and Project Guardian, demonstrate accelerating adoption of permissioned settlement infrastructure.

Other themes covered in the CertiK U.S. Digital Asset Policy Report include the unique digital asset frameworks implemented at the state level; the evolution of blockchain analytics; and improvements in code auditing standards for greater smart contract security.

The report concludes: “For financial institutions, the strategic focus is shifting toward Permissioned Digital Assets: using blockchain-based settlement within clearly defined regulatory perimeters. As liquidity becomes segmented by jurisdiction (for example, between U.S. and EU/MiCA-compliant pools), the ability to map regulatory ‘gaps’ and build compliant, cross-jurisdictional infrastructure will be a key source of competitive advantage over the next few years.”

The CertiK U.S. Digital Asset Policy Report provides an authoritative resource for financial institutions, digital asset providers, and policymakers evaluating how federal and state rules intersect. As the regulatory environment continues to evolve, the report outlines the operational, technological, and compliance measures required to keep pace.

About CertiK

CertiK is the largest Web3 security services provider, utilizing industry-leading formal verification technology to protect and monitor blockchain protocols and smart contracts. Founded in December 2017 by professors from Yale University and Columbia University, CertiK applies cutting-edge academic innovations to the enterprise, enabling mission-critical applications to scale with safety and correctness. One of the fastest-growing and most trusted companies in blockchain security, CertiK is a true market leader. 

To date, CertiK has worked with more than 5,000 enterprise clients, secured over 600 billion dollars worth of digital assets, and detected more than 180,000 vulnerabilities in blockchain code. Its clients include leading projects such as Aptos, Ripple, Sandbox, Polygon, BNB Chain and TON. Since its inception, CertiK has secured investments from 12 top-tier funds, including Sequoia, Coatue, Goldman Sachs, Shunwei Capital and Insight Partners, with a valuation of more than 2 billion dollars. Follow X, LinkedIn, Telegram and Discord for the latest news and announcements.

Contact