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The Florida Senate has approved a bill that, for the first time in the States, establishes full-fledged regulation of stablecoins at the state level. The document awaiting the governor's signature equates digital assets to ordinary money in terms of financial supervision and consumer protection. This means that stablecoins are now subject to the same rules as traditional currencies.

Now, companies issuing stablecoins must comply with anti-money laundering laws, just like banks. The issue of such tokens without a license is prohibited. Organizations from other states wishing to operate in Florida are required to notify the State Financial Regulatory Authority (OFR) in writing in advance. OFR will have the right to monitor compliance with the new legislation.

An important point was the exclusion of payment stablecoins from the securities category, which clearly delineates the powers of regulators. The law provides for a two—tier control system: some stablecoins will remain under the jurisdiction of OFR, while others will be under the joint control of OFR and the Federal Office of the Comptroller of the Currency (OCC). This approach takes into account the difference in the types of assets and the scale of the issuers' business.

The issue of profitability is separately regulated. The law prohibits charging interest to holders of stablecoins if this is contrary to federal law. This provision is directly related to the federal legislative initiative GENIUS, which laid the foundations for the issuance of stablecoins in the United States.

Thus, Florida has shown how digital assets can be integrated into the legal field, relying on banking standards and strict requirements for issuers. This successful example is likely to be adopted by other states and taken into account when developing federal laws.