OCC's final stablecoin rule lands after Congress stalls on yield

The Office of the Comptroller of the Currency (OCC) published its final GENIUS Act stablecoin rule on Wednesday. The OCC is officially the first federal regulator to go through with implementing regulations for stablecoins. Congress remains stuck on broader crypto legislation. Can crypto platforms still pay rewards on stablecoins? The GENIUS Act, enacted July 18, 2025, bans permitted stablecoin issuers from paying interest or yield on the tokens they issue. However, it was unknown whether exchanges and other third parties could give similar “rewards” to holders. Lawmakers were meant to settle that through the CLARITY Act , a crypto market structure bill, but it stalled after the full Senate failed to advance it in a procedural vote. The delay led to regulators proposing rules of their own.

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