The worldwide cryptocurrency market has achieved an unprecedented milestone, surpassing $4 trillion in complete market capitalization for the primary time in historical past. This landmark occasion coincides with the U.S. Congress passing the groundbreaking GENIUS Act, which establishes the primary federal regulatory framework for stablecoins. The bipartisan laws, championed by former President Donald Trump, alerts a significant shift towards mainstream adoption of digital property.
In response to information aggregated by main market trackers, the collective worth of all cryptocurrencies crossed the $4 trillion threshold on July 18, 2025. This represents a 150% improve from the earlier all-time excessive set through the 2021 bull market. The surge comes amid rising institutional funding and regulatory readability in key markets.
The GENIUS Act, which cleared Congress this week, imposes federal or state oversight on dollar-pegged stablecoins. The laws goals to legitimize the $265 billion stablecoin market whereas enabling sooner fee methods. Citigroup analysts undertaking this market may develop to $3.7 trillion by 2030 beneath the brand new regulatory framework.
Market Cap Breakdown
Bitcoin (BTC) stays the dominant cryptocurrency, accounting for roughly 38% of the entire market worth. Ethereum (ETH) follows at 18%, whereas Solana (SOL) and Ripple (XRP) have seen important progress:
- Bitcoin: $1.52 trillion market cap
- Ethereum: $720 billion market cap
- Solana: $210 billion market cap
- Ripple: $180 billion market cap
The remaining market share is distributed amongst altcoins and tokenized property. This diversification displays rising investor confidence past the highest cryptocurrencies.
Stablecoin Regulation Framework
The GENIUS Act establishes clear pointers for stablecoin issuers, requiring them to take care of 1:1 reserves for all tokens in circulation. Corporations should select between federal oversight by the Treasury Division or state-level regulation. This resolves longstanding jurisdictional ambiguities that hindered adoption.
Cost giants Visa and Mastercard have already introduced plans to combine regulated stablecoins into their networks. Federal Reserve Chair Jerome Powell endorsed the laws, stating it “supplies needed safeguards whereas encouraging monetary innovation.”
Trade leaders celebrated the regulatory readability. Circle CEO Jeremy Allaire famous, “This laws permits stablecoins to perform as authentic fee devices whereas guaranteeing client safety.” The invoice handed with sturdy bipartisan help, uncommon in right this moment’s polarized political local weather.
Political Backing and Retirement Market Enlargement
Former President Donald Trump emerged as a key advocate for the laws, reversing his earlier skepticism about cryptocurrencies. Trump’s endorsement proved essential in securing Republican votes for the invoice. Sources point out the Trump administration is making ready government actions to permit cryptocurrency investments in retirement accounts.
This coverage shift may open the $38 trillion U.S. retirement market to digital property. Main monetary establishments together with Constancy and BlackRock have begun growing crypto retirement merchandise in anticipation of regulatory approval.
Democrats additionally supported the invoice after securing provisions for client safety and anti-money laundering enforcement. Senator Elizabeth Warren conceded, “Whereas I stay cautious about crypto’s dangers, this invoice establishes needed guardrails.”
The laws represents a watershed second for cryptocurrency legitimacy. As reported by the Financial Times, the mixture of regulatory readability and market progress has accelerated institutional adoption. Goldman Sachs and JPMorgan have expanded their crypto custody companies this week.
Market analysts attribute the capital inflow to a few components: the regulatory certainty offered by the GENIUS Act, anticipation of crypto retirement accounts, and rising use instances in fee methods. The convergence of those components created excellent situations for the historic market cap achievement.
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The $4 trillion milestone and regulatory breakthrough mark a turning level for cryptocurrency adoption. Conventional monetary establishments are actually accelerating integration of blockchain know-how, whereas policymakers shift focus from suppression to structured oversight. This twin improvement alerts cryptocurrency’s maturation from speculative asset class to established monetary infrastructure.
- Market Capitalization
- The overall market worth of a cryptocurrency’s circulating provide, calculated by multiplying present value by cash in circulation.
- Stablecoin
- A cryptocurrency pegged to a steady asset just like the U.S. greenback, designed to reduce value volatility.
- GENIUS Act
- The primary federal laws establishing regulatory frameworks for stablecoin issuers and reserves in the US.
- Tokenized Property
- Digital representations of real-world property (like actual property or commodities) on a blockchain.
This text is for informational functions solely and doesn’t represent monetary recommendation. Please conduct your personal analysis earlier than making any funding selections.
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Editor-in-Chief / Coin Push Dean is a crypto fanatic primarily based in Amsterdam, the place he follows each twist and switch on the planet of cryptocurrencies and Web3.
