Foundations
What stablecoins are, how they evolved from Tether to today's $312 billion market, and why they matter for the future of money.
Available Now · Early Bird Pricing
From GENIUS Act
to State
Innovation
The U.S. Stablecoin Framework
By James R. Holbein & Justin E. Holbein
The definitive practitioner's guide to navigating federal regulation, state-level innovation, and the emerging infrastructure of digital dollar commerce.
Save $10 — early bird pricing for a limited time, then $49.
$312BStablecoin Market
21Chapters
55KWords
5Appendices
The Challenge
The regulatory landscape is
shifting beneath your feet.
The GENIUS Act, signed into law in July 2025, created the first comprehensive federal framework for stablecoin issuance in the United States. It established reserve requirements, customer protection standards, and a dual federal-state certification pathway that every issuer must navigate.
Meanwhile, states aren't waiting. Wyoming has launched its own stablecoin under a novel Special Purpose Depository Institution charter. Other states are developing their own approaches, creating a patchwork of opportunity and obligation that practitioners must understand.
With a $312 billion market and state certification deadlines now arriving, compliance professionals, issuers, and business leaders need a practical, authoritative guide — not another whitepaper.
Inside the Book
Six parts. Twenty-one chapters.
One complete framework.
Federal Framework
A line-by-line breakdown of the GENIUS Act — reserve requirements, customer protections, issuer obligations, and compliance timelines.
State Innovation
Wyoming's pioneering SPDI model, the FRNT stablecoin launch, and how states are racing to certify issuers as the July 2026 deadline arrives.
DAO Governance
The DUNA framework for decentralized governance — legal structure, practical adoption strategies, and real-world case studies.
Machine Payments
The x402 payment protocol, AI agent economics, and how stablecoins become the default rails for autonomous machine-to-machine commerce.
Practitioner's Guide
Your compliance roadmap: step-by-step integration playbooks, risk frameworks, and strategic guidance for what comes next.
The Authors
Where law meets technology.
James R. Holbein brings decades of financial-regulatory and trade-law experience; Justin E. Holbein builds at the frontier of blockchain infrastructure and digital-asset systems. Together they translate a shifting legal landscape into practical guidance — the same expertise behind American Digital Asset Consulting.
Beyond the Book
Hands-on guidance for the digital asset space.
Through ADAC, the authors advise firms and individuals on compliance, issuer certification, governance structuring, and building in the digital asset space — legal and technical, under one roof.
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