Cryptocurrency, Gone Simple
What the rules and the payment rails said, on the date they said it.
Each entry is a row: date · what · source · what changed since the entry before it. Entries were added, never rewritten. When an entry turned out to be wrong, a new entry corrected it and said which one it corrects; the original row stays where it is with the correction noted on it. That was the whole editorial policy, and it ran to the last reading, taken on 2026-09-23 16.
Some entries record an event on the date it happened. Others record a reading — the date this site read a public document and what it said at that moment. Both carry dates because both go stale, and a reading that was never re-checked is worth less than one that was.
Edition 2 was checked on 2026-09-07 16. Every dated entry below was taken back to its own primary document — with one exception, named on the entry that carries it — and nothing already published was rewritten. Where the re-reading agreed, the agreement is recorded as a new entry. Where it disagreed, a new entry carries the corrected reading and names the entry it corrects, and the entry it corrects carries a pointer to it. One document would not open to this site on the day of the check, and the entry that cites it says so on itself rather than pretending the check happened.
Edition 3 was checked on 2026-09-23 16. It is narrower than Edition 2: three entries were added — the outcome of the CLARITY Act cloture vote scheduled below, the OCC's own GENIUS Act proposal (a parallel track to the FDIC's and Treasury's that this register had already gestured at without naming), and a restatement of two facts a reader needs together, the Treasury comment window, open until 2026-10-19 as of 2026-09-23, and the statute's outer effective date 16. Three existing sources were re-read for this edition — the Treasury Federal Register record, the statute's effective-date section, and the no-final-rule search — and came back unchanged; every other entry and source on this page keeps its 2026-09-07 or earlier reading date and was not re-checked this edition 16.
A date inside an entry is the date that entry's reading was taken. A date in the source list is the date that document was last opened, which is not always the same thing.
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Shopify, Coinbase and Stripe announce USDC checkout for merchants across 34 countries.
register:r01-2025-06 · check this entryThe stablecoin statute is enacted 1. It is not in force on the date of this entry.
register:r02-2025-07 · check this entryRulemaking under the statute begins in public.
register:r03-2026-04-07 · check this entryThe proposal published in the Federal Register on 2026-04-10, and the sixty-day comment window ran to 2026-06-09.
register:r04-2026-06-09 · check this entryThe 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 7. They mandate no external certification and set no training cadence. Partly corrected on 2026-09-07 by the ESMA entry of that date below 16: the guidelines do set a cadence, and the term they use is continuous professional development, not continuing; the no-external-certification half of the sentence stands. The date is derived rather than printed: the guidelines are dated 2026-01-28 and apply six months after publication on ESMA's website.
register:r05-2026-07-28 · check this entryregister:r06-2026-08-18 · check this entryA 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. Corrected on 2026-09-07 by the entry of that date below 16: of those four figures only the settlement options were on the page this row cites 8, and the corrected readings are recorded in that later entry against Stripe's own product documentation and pricing page 1011.
register:r07-2026-08-24 · check this entryThe Act takes effect on the earlier of 120 days after the primary regulators issue final rules, or 2027-01-18.
register:r08-2026-08-24 · check this entryA cloture vote on the motion to proceed is calendared 3. Cloture requires 60 votes 2. This entry recorded a scheduled event and no outcome. The outcome is recorded in the entry below dated 2026-09-15, added 2026-09-23: cloture failed, 49 Yea to 50 Nay 19.
register:r09-2026-09-15 · check this entryThe Office of the Comptroller of the Currency announced a notice of proposed rulemaking to implement the GENIUS Act for payment stablecoin issuers under its own jurisdiction, and for custody activities by OCC-supervised entities 17. The proposal published in the Federal Register on 2026-03-02, jointly under Treasury and the OCC, creating a new 12 CFR Part 15 and amending Parts 3, 6, 8 and 19; its docket is OCC-2025-0372, RIN 1557-AF41 18. Comments were due 60 days after publication, which the Federal Register's own record dates 2026-05-01 18 — the same date this register already flagged without naming its source, on the FDIC entry above: that entry's own source notes a 2026-05-01 window that belongs to "the OCC's parallel proposal" 4. That proposal is this one. The window closed before this reading, and the search this register already runs for a final GENIUS Act rule, re-run today, still returns none from the OCC or from either of the other two primary Federal payment stablecoin regulators 13. Three regulators, three proposed rules, none of them final: the FDIC's above, Treasury's below, and this one.
register:r10-2026-02-25 · check this entryThe Securities and Exchange Commission published a proposed rule titled Regulation Crypto Assets, which would create two exemptions from Securities Act registration for certain crypto-asset offerings — one for offerings up to $5 million over a four-year period, one for offerings up to $75 million in each 12-month period — and set a comment deadline of 2026-10-20 12. It governs people who offer or sell crypto assets as investments, not a shop that takes a dollar-denominated stablecoin in payment for goods. It is recorded here because a register that quietly skipped the largest federal crypto rulemaking published inside its own reading window would be worth less than one that records it and says who it binds.
register:r11-2026-08-21 · check this entryTreasury's proposal implements section 3 of the GENIUS Act, the section that governs who may issue a payment stablecoin and who may offer or sell one, and its own DATES caption reads Comments on the NPRM must be received on or before October 19, 2026 6. The 2026-08-18 entry recorded the publication and carried no deadline; this entry adds the deadline and leaves that entry alone 16.
register:r12-2026-09-07 · check this entryThe 2026-08-24 entry recorded this rule from policy trackers and said on its face that the statute had not been read 1. It has now been read. Section 20 of Public Law 119-27 provides that the Act and the amendments made by it take effect on the earlier of the date that is 18 months after the date of enactment, or the date that is 120 days after the date on which the primary Federal payment stablecoin regulators issue any final regulations implementing it; the Act was approved 2025-07-18, which puts the outer date at 2027-01-18 9. The tracker reading was right and the entry that recorded it stands. One thing the one-sentence summary leaves out is section 3(b)(1), which sets a second date three years after enactment — 2028-07-18 — after which it is unlawful for a digital asset service provider to offer or sell a payment stablecoin to a person in the United States unless a permitted payment stablecoin issuer issued it 9.
register:r13-2026-09-07 · check this entryThis entry corrects the 2026-08-24 Stripe entry, which attributed four figures to a newsroom post dated June 12, 2025 that carries one of them 8. Read on 2026-09-07, Stripe's product documentation for stablecoin payments gives customer locations as Global, excluding sanctioned countries; presentment currency as USD, with other currencies in private preview; accepted tokens as USDC on the Tempo, Ethereum, Solana, Polygon and Base networks, USDP on Ethereum and Solana and USDG on Ethereum, both US-only; recurring payments yes; refunds and partial refunds yes; dispute support no; manual capture not supported; and payout timing varying by network 10. The same page states that completed payments settle in the merchant's Stripe balance in the merchant's local currency, that a refund is always returned as stablecoins to the customer's original wallet, and that customer transaction limits are 10,000 USD per transaction 10. Stripe's published pricing page carries two stablecoin prices on the same day: in the Payments block, 1.5% of the transaction amount in USD, with conversion to fiat, wallet and AML screening, fraud prevention and gas sponsorship included; in the Link block, 0.8% per successful transaction, marked a promotional rate through January 1, 2027 with 0.2% added after that 11. For comparison on that same page, domestic cards are listed at 2.9% plus 30¢ per successful transaction, and a dispute received on a card payment carries a $15.00 fee 11. A published pricing page is a list price, not the rate on any particular merchant's contract.
register:r14-2026-09-07 · check this entryThe procedural vote in the scheduled entry above is still calendared for 2026-09-15 on the tracker that carried it in August, which describes it as a cloture vote on the motion to proceed requiring 60 votes to overcome a filibuster 1. The Senate's own tentative schedule for this year shows a state work period running 2026-08-10 to 2026-09-11 14, and on the day of this reading its floor schedule page gave the previous meeting as a pro forma session on 2026-09-04 and the next as a pro forma session on 2026-09-08 15. Nothing could have moved on the floor between the scheduled entry and this one, because the chamber was not there. One of the three sources behind the scheduled entry, a news report, would not open to this site today: it returned a rate-limit response, directly and through a reader proxy 2. The other two were re-read and are unchanged — the tracker directly 1, and the law-firm post through the reader proxy that this project already uses for hosts that refuse it, which gives the vote date as September 15, 2026, "the day after the Senate returns from its August recess" 3.
register:r15-2026-09-07 · check this entryThe statute's effective date turns on final regulations, so this reading goes looking for them 9. A Federal Register search over rule documents for the GENIUS Act, run on the day of this entry, returns proposed rules and notices and no final rule from a primary Federal payment stablecoin regulator 13. On that reading the earlier of the two dates in section 20 is still the outer one, 2027-01-18, and it stays the outer one until a final rule publishes and 120 days run from it 9.
register:r16-2026-09-07 · check this entryThis entry corrects the 2026-07-28 entry above, which said the guidelines mandate no external certification and set no training cadence 7. Read again on 2026-09-07, the first half of that sentence holds and the second half does not 7. Guideline 2, paragraph 21 tells crypto-asset service providers to determine, from the nature of the crypto-assets and services their staff give information about, the adequate minimum number of hours of continuous professional development or training per year that those staff should complete, and it carries ESMA's own worked example: staff giving information on a limited range of the least complex crypto-assets or services should complete 10 hours of CPD 7. Guideline 3, paragraph 26 repeats the structure for staff giving advice, with a worked example of 20 hours, and a footnote saying those 20 hours cover the 10 7. The number is set by each provider rather than by ESMA, and the examples are examples — but a provider that sets no number at all is not following the guidelines, and no training cadence is set said the opposite of that 7. The other half of the earlier sentence stands: paragraph 19 leaves the competence assessment to be conducted either by the provider itself or by an external body, so no external certification is mandated 7. One wording correction travels with this entry: the guidelines say continuous professional development throughout, and the earlier entry wrote continuing 7.
register:r17-2026-09-07 · check this entryThe vote scheduled in the entry above happened on the date recorded there 19. The Senate's own roll call record, Vote No. 234 of the 119th Congress, 2nd session, gives the question as cloture on the motion to proceed to H.R. 3633 19, taken 2026-09-15 at 2:19 p.m. Eastern; the result as 49 Yea, 50 Nay, 1 Not Voting; and the requirement as three-fifths of the Senate, 60 votes 19. Cloture failed. The motion to proceed did not advance by this route; the measure stayed on the calendar and had not been withdrawn on the record this site could reach. This site tried to confirm from congress.gov's own actions page for the bill whether any reschedule exists and could not load the page; this site has hit the same block on that host before. This entry therefore records the status as stalled, no reschedule found on the record this site can reach rather than dead or rescheduled.
register:r18-2026-09-15 · check this entryTwo Federal Register comment windows have stood open on the same statute at once, recorded three entries apart in this register 6. Treasury's proposal implementing section 3 of the GENIUS Act accepts comments through 2026-10-19, re-read on 2026-09-23 via the Federal Register API and unchanged from the entry above 6. The OCC's own proposal, entered above, closed 2026-05-01 and is not final 18. None of the three primary Federal payment stablecoin regulators — the FDIC, the OCC or Treasury — had published a final rule under the statute as of 2026-09-23, re-checked that day over the same search this register has run since 2026-09-07 13. The statute's own outer effective date, read from section 20 of Public Law 119-27, stays 2027-01-18: the earlier of 18 months after enactment or 120 days after a final rule, and as of 2026-09-23 no final rule had started that clock 9. This entry adds no new fact; it restates a deadline, a closed window and an outer date that already sit in three separate entries above, because a reader arriving at this register should not have to reconstruct the calendar from them.
register:r19-2026-09-23 · check this entryEight dated entries carried a primary document. Seven of those documents opened to this site on 2026-09-07 4567813. Two of the seven were opened for their dates, dockets, actions and their own abstracts rather than in full: the two Federal Register records, read through the Federal Register's own API 56. The other five were read end to end — the FDIC's letter, ESMA's guidelines as a PDF, Stripe's newsroom post, the policy tracker, and the law-firm post, that last one through a reader proxy because its host refuses this site directly 47813. One document did not open at all, directly or through the proxy: it returned a rate-limit response, and it is named on the entry that cites it rather than quietly carried forward 2.
Two entries came back changed. The larger one was the rail, not the rulemaking: three of the four figures the 2026-08-24 Stripe entry attributed to a newsroom post are not on that post 8. The smaller one was the rulemaking: the 2026-07-28 ESMA entry said the guidelines set no training cadence, and they do 7. Both original entries stay where they are with a pointer on each, and each corrected reading is its own dated entry — Stripe's against its documentation and pricing page 1011, ESMA's against the guidelines themselves 7.
The entries are printed in the order they were written and are never re-sorted, because several of them refer to the entry before them by position. That has a visible consequence in this edition: the scheduled CLARITY entry is dated 2026-09-15, and the entries added on 2026-09-07 sit after it, so the dates step backwards once at that point 16. Re-ordering would renumber entries that are already published under their current numbers, and this site would rather print a date sequence that steps backwards once than change a published entry's address. Edition 3 adds one entry into that same step rather than opening a second one 16: the OCC's proposal is dated 2026-02-25, earlier than every entry from 2026-08-21 on, so it is placed first among the rows new to this edition — immediately after the scheduled-vote entry — rather than at its own chronological point between the July 2025 and 2026-04-07 entries, which are already live. One step, one entry carrying it, same as before.
Left owed by Edition 2: the outcome of the vote scheduled for 2026-09-15, a re-reading of the one source that would not open on 2026-09-07, and a check of whether either comment window then open — 2026-10-19 on the Treasury proposal, 2026-10-20 on the SEC proposal — closed with a final rule behind it 612. Delivered in Edition 3, 2026-09-23: the cloture vote failed, 49 Yea to 50 Nay 19. Not delivered, and left on the record as it stood: the CoinDesk source that would not open on 2026-09-07 was not re-read, and neither the Treasury window, with its 2026-10-19 deadline, nor the SEC window, with its 2026-10-20 deadline, had closed as of 2026-09-23 612. The last reading in this Register was taken on 2026-09-23, and no entry is added after it unless a later edition says so 16.