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A draft law designed to establish comprehensive rules for the digital asset market has been officially submitted to the US Senate for discussion. This initiative, called the Responsible Financial Innovation Act of 2025, was put forward by a group of Republican senators led by Tim Scott.

The main idea of the document is a clear distribution of regulatory responsibilities between two key bodies: the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC).

According to the bill, most of the digital assets will be classified as commodities. Supervision of them is proposed to be transferred to the CFTC. The SEC will continue to monitor tokenized shares, which are essentially ordinary securities simply issued in digital format.

But perhaps the most important thing in this law is the recognition of decentralized cross-chain bridges. For the first time at this level, it is proposed to exempt these complex technological systems from regulation in the field of securities.

Senator Cynthia Lummis, one of the authors of the bill, said in an interview with CNBC that the group's goal is to get the president to sign it by the end of 2025. If this happens, the SEC and the CFTC will have to create a joint working body to coordinate, and companies operating in the market will have to implement stricter rules to combat money laundering and terrorist financing, as well as increase the transparency of their activities.