CertiK, the world's largest Web3 security services provider, has announced the release of the CertiK U.S. Digital Asset Policy Report. This comprehensive analysis examines the regulatory frameworks that shaped the United States in 2025, outlining how new federal legislation and market structure reforms are redefining compliance expectations for digital asset firms.
The CertiK report delves into a three-part federal framework that has emerged from recent legislative milestones, specifically the GENIUS and CLARITY Acts, alongside the SEC’s rescission of Staff Accounting Bulletin 121. Collectively, these developments are establishing clearer standards for the issuance of stablecoins, the classification of digital assets, and institutional custody practices.
The findings presented in the report suggest that banks and trust companies now have a more defined pathway to offering digital asset custody services. Concurrently, stablecoin issuers are subject to uniform reserve and redemption rules, and multi-state operators are required to adhere to a universal baseline of cybersecurity and Anti-Money Laundering (AML) requirements.
“This report reveals a pivotal shift in how digital assets are regulated and supervised across the United States,” stated 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
- •The GENIUS Act and CLARITY Acts have established clearer standards for stablecoin issuance and the classification of digital assets.
- •Senate market structure proposals have introduced tailored disclosures and expanded the Commodity Futures Trading Commission's (CFTC) oversight of digital commodity markets.
- •The rescission of SAB 121 has removed prior capital constraints on digital asset custodians, thereby facilitating broader bank participation.
- •Despite a universal baseline emerging for cybersecurity and AML compliance, fragmented state licensing regimes continue to create a preemption gap for multi-state operators.
- •Institutional pilots, including the Regulated Liability Network and Project Guardian, are demonstrating an acceleration in the adoption of permissioned settlement infrastructure.
Additional themes explored within the CertiK U.S. Digital Asset Policy Report include the distinct digital asset frameworks implemented at the state level, the ongoing evolution of blockchain analytics, and advancements in code auditing standards aimed at enhancing smart contract security.
The report concludes with the observation: “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 serves as an authoritative resource for financial institutions, digital asset providers, and policymakers who are evaluating the intersection of federal and state regulations. As the regulatory environment continues its dynamic evolution, the report delineates the operational, technological, and compliance measures necessary to maintain pace.
About CertiK
CertiK stands as the largest Web3 security services provider, leveraging industry-leading formal verification technology to safeguard and monitor blockchain protocols and smart contracts. Established in December 2017 by esteemed professors from Yale University and Columbia University, CertiK translates cutting-edge academic innovations into enterprise solutions, enabling mission-critical applications to scale with a focus on safety and correctness. As one of the fastest-growing and most trusted companies in the blockchain security sector, CertiK is recognized as a true market leader.
To date, CertiK has collaborated with over 5,000 enterprise clients, secured assets valued at more than $600 billion, and identified over 180,000 vulnerabilities within blockchain code. Its client portfolio includes prominent projects such as Aptos, Ripple, Sandbox, Polygon, BNB Chain, and TON. Since its inception, CertiK has successfully secured investments from 12 top-tier funds, including Sequoia, Coatue, Goldman Sachs, Shunwei Capital, and Insight Partners, achieving a valuation exceeding $2 billion.