{"id":5594,"date":"2025-07-02T08:13:01","date_gmt":"2025-07-02T08:13:01","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=5594"},"modified":"2025-07-02T08:13:01","modified_gmt":"2025-07-02T08:13:01","slug":"us-stablecoin-legislation-buvei-cards-future-payments-3","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/pt\/us-stablecoin-legislation-buvei-cards-future-payments-3\/","title":{"rendered":"Regula\u00e7\u00e3o dos Stablecoins nos EUA e impacto nos pagamentos"},"content":{"rendered":"<p data-start=\"564\" data-end=\"1047\">O sistema de pagamentos dos Estados Unidos est\u00e1 passando por uma transforma\u00e7\u00e3o estrat\u00e9gica. Com o <strong data-start=\"662\" data-end=\"684\"><a href=\"https:\/\/www.congress.gov\/bill\/118th-congress\/senate-bill\/2353\">GENIUS Act<\/a> de 2025<\/strong> em tramita\u00e7\u00e3o no Senado, o Congresso busca estabelecer um marco regulat\u00f3rio claro para os <strong data-start=\"775\" data-end=\"790\">stablecoins<\/strong> \u2014 ativos digitais lastreados 1:1 em moedas fiduci\u00e1rias, como o d\u00f3lar americano. A proposta define regras para emissores, processos de resgate e coordena\u00e7\u00e3o entre reguladores federais e estaduais, com impacto direto sobre o ecossistema global de pagamentos.<\/p>\n<p data-start=\"1049\" data-end=\"1390\">Com o avan\u00e7o dos stablecoins em mercados como Reino Unido, Uni\u00e3o Europeia, Emirados \u00c1rabes e Hong Kong, a regula\u00e7\u00e3o norte-americana poder\u00e1 definir como esses ativos ser\u00e3o integrados ao com\u00e9rcio do dia a dia. Para empresas e prestadores de servi\u00e7os de pagamento (PSPs), compreender essas mudan\u00e7as \u00e9 essencial diante da acelera\u00e7\u00e3o tecnol\u00f3gica.<\/p>\n<p data-start=\"1049\" data-end=\"1390\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5595 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape1-2-1024x579.jpg\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape1-2-1024x579.jpg 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape1-2-300x170.jpg 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape1-2-768x434.jpg 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape1-2-400x226.jpg 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape1-2-800x452.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape1-2-832x470.jpg 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape1-2-1248x705.jpg 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape1-2.jpg 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3 data-start=\"1392\" data-end=\"1436\">O que s\u00e3o Stablecoins e por que importam?<\/h3>\n<p data-start=\"1438\" data-end=\"1778\">Stablecoins s\u00e3o moedas digitais lastreadas por reservas fiduci\u00e1rias tradicionais. Seu objetivo \u00e9 minimizar a volatilidade t\u00edpica das criptomoedas, mantendo os benef\u00edcios da tecnologia blockchain. Com a paridade 1:1 com o d\u00f3lar, por exemplo, os stablecoins s\u00e3o ideais para <strong data-start=\"1710\" data-end=\"1777\">pagamentos cotidianos, transfer\u00eancias internacionais e remessas<\/strong>.<\/p>\n<p data-start=\"1780\" data-end=\"2118\">O foco dos legisladores dos EUA \u00e9 equilibrar inova\u00e7\u00e3o com seguran\u00e7a, evitando riscos como fraudes, lavagem de dinheiro e instabilidade financeira. O <strong data-start=\"1929\" data-end=\"1943\">GENIUS Act<\/strong> prop\u00f5e padr\u00f5es claros de conformidade e transpar\u00eancia para os chamados <em data-start=\"2015\" data-end=\"2053\">Permitted Payment Stablecoin Issuers<\/em> (PPSIs), ou \"Emissores Autorizados de Stablecoins de Pagamento\".<\/p>\n<h3 data-start=\"2120\" data-end=\"2164\">GENIUS Act: principais pontos da proposta<\/h3>\n<p data-start=\"2166\" data-end=\"2219\">A legisla\u00e7\u00e3o define uma estrutura robusta, incluindo:<\/p>\n<ul data-start=\"2221\" data-end=\"2766\">\n<li data-start=\"2221\" data-end=\"2380\">\n<p data-start=\"2223\" data-end=\"2380\"><strong data-start=\"2223\" data-end=\"2257\">Requisitos de reservas r\u00edgidos<\/strong>: os stablecoins devem ser 100% garantidos por caixa ou equivalentes, mantidos em contas segregadas com auditorias mensais.<\/p>\n<\/li>\n<li data-start=\"2381\" data-end=\"2478\">\n<p data-start=\"2383\" data-end=\"2478\"><strong data-start=\"2383\" data-end=\"2416\">Supervis\u00e3o federal e estadual<\/strong>: coordena\u00e7\u00e3o entre ag\u00eancias para evitar lacunas regulat\u00f3rias.<\/p>\n<\/li>\n<li data-start=\"2479\" data-end=\"2561\">\n<p data-start=\"2481\" data-end=\"2561\"><strong data-start=\"2481\" data-end=\"2507\">Prote\u00e7\u00e3o ao consumidor<\/strong>: regras contra publicidade enganosa e vendas casadas.<\/p>\n<\/li>\n<li data-start=\"2562\" data-end=\"2660\">\n<p data-start=\"2564\" data-end=\"2660\"><strong data-start=\"2564\" data-end=\"2615\">Conformidade com <a href=\"https:\/\/buvei.com\/blog\/kyc-vs-aml-payment-compliance\/\">AML<\/a> (anti-lavagem de dinheiro)<\/strong>: padr\u00f5es alinhados com diretrizes do FinCEN.<\/p>\n<\/li>\n<li data-start=\"2661\" data-end=\"2766\">\n<p data-start=\"2663\" data-end=\"2766\"><strong data-start=\"2663\" data-end=\"2691\">Crit\u00e9rios para emissores<\/strong>: apenas bancos, fintechs e entidades reguladas poder\u00e3o emitir stablecoins.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2768\" data-end=\"2897\">O objetivo \u00e9 consolidar os stablecoins como <strong data-start=\"2812\" data-end=\"2852\">instrumentos de pagamento confi\u00e1veis<\/strong>, aproximando-os do papel do dinheiro f\u00edsico.<\/p>\n<h3 data-start=\"2899\" data-end=\"2945\">O que isso representa para empresas e PSPs?<\/h3>\n<p data-start=\"2947\" data-end=\"3151\">Com a evolu\u00e7\u00e3o dos pagamentos digitais, os stablecoins oferecem oportunidades de <strong data-start=\"3028\" data-end=\"3080\">transa\u00e7\u00f5es mais r\u00e1pidas, baratas e transparentes<\/strong>. No entanto, a conformidade regulat\u00f3ria tamb\u00e9m se torna mais complexa.<\/p>\n<p data-start=\"3153\" data-end=\"3386\">\u00c9 nesse ponto que as <strong data-start=\"3174\" data-end=\"3203\">Cart\u00f5es Virtuais da Buvei<\/strong> ganham destaque. A plataforma da Buvei oferece solu\u00e7\u00f5es avan\u00e7adas de cart\u00f5es virtuais, que integram seguran\u00e7a, rastreabilidade e compatibilidade com sistemas baseados em stablecoins.<\/p>\n<h3 data-start=\"2899\" data-end=\"2945\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5596 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape2-2-1024x579.jpg\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape2-2-1024x579.jpg 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape2-2-300x170.jpg 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape2-2-768x434.jpg 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape2-2-400x226.jpg 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape2-2-800x452.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape2-2-832x470.jpg 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape2-2-1248x705.jpg 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/07\/US-Stablecoin-Regulation-Set-to-Reshape-Crypto-Payments-Landscape2-2.jpg 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h4 data-start=\"3388\" data-end=\"3453\">Como os cart\u00f5es virtuais da Buvei unem inova\u00e7\u00e3o e conformidade<\/h4>\n<ul data-start=\"3455\" data-end=\"3939\">\n<li data-start=\"3455\" data-end=\"3577\">\n<p data-start=\"3457\" data-end=\"3577\"><strong data-start=\"3457\" data-end=\"3491\">Emiss\u00e3o instant\u00e2nea e controle<\/strong>: crie cart\u00f5es \u00fanicos ou com bloqueio por comerciante para minimizar riscos de fraude.<\/p>\n<\/li>\n<li data-start=\"3578\" data-end=\"3716\">\n<p data-start=\"3580\" data-end=\"3716\"><strong data-start=\"3580\" data-end=\"3631\">Limites de gastos e monitoramento em tempo real<\/strong>: defina valores m\u00e1ximos e acompanhe todas as transa\u00e7\u00f5es com suporte a pol\u00edticas AML.<\/p>\n<\/li>\n<li data-start=\"3717\" data-end=\"3815\">\n<p data-start=\"3719\" data-end=\"3815\"><strong data-start=\"3719\" data-end=\"3748\">Facilidade de concilia\u00e7\u00e3o<\/strong>: dados detalhados ajudam nos relat\u00f3rios regulat\u00f3rios e auditorias.<\/p>\n<\/li>\n<li data-start=\"3816\" data-end=\"3939\">\n<p data-start=\"3818\" data-end=\"3939\"><strong data-start=\"3818\" data-end=\"3838\">Aceita\u00e7\u00e3o global<\/strong>: os cart\u00f5es Buvei funcionam internacionalmente, acompanhando a l\u00f3gica dos pagamentos via stablecoin.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3941\" data-end=\"4082\">Com a Buvei, empresas podem adotar as novas infraestruturas de pagamentos digitais sem abrir m\u00e3o da conformidade e da efici\u00eancia operacional.<\/p>\n<h4 data-start=\"4084\" data-end=\"4123\">O futuro dos pagamentos corporativos<\/h4>\n<p data-start=\"4125\" data-end=\"4465\">Enquanto os EUA avan\u00e7am na regulamenta\u00e7\u00e3o dos stablecoins, <strong data-start=\"4184\" data-end=\"4262\">institui\u00e7\u00f5es financeiras e inovadores em pagamentos precisam estar atentos<\/strong> e preparados. A entrada definitiva desses ativos no com\u00e9rcio global pode <strong data-start=\"4336\" data-end=\"4409\">revolucionar as remessas, o e-commerce e os pagamentos entre empresas<\/strong> \u2014 com novas exig\u00eancias de gest\u00e3o de risco e governan\u00e7a.<\/p>\n<p data-start=\"4467\" data-end=\"4620\">Com o suporte da tecnologia da <strong data-start=\"4498\" data-end=\"4538\">plataforma de cart\u00f5es virtuais Buvei<\/strong>, sua empresa pode se posicionar \u00e0 frente no novo cen\u00e1rio dos pagamentos digitais.<\/p>\n<p data-start=\"4622\" data-end=\"4746\">\ud83d\udc49 Conhe\u00e7a as solu\u00e7\u00f5es da <a class=\"\" href=\"https:\/\/www.buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"4648\" data-end=\"4678\">Buvei<\/a> e prepare sua empresa para o futuro dos pagamentos com stablecoins.<\/p>\n<p data-start=\"4622\" data-end=\"4746\"><a href=\"https:\/\/buvei.com\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4756 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-3-1024x307.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-3-1024x307.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-3-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-3-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-3-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-3-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-3-832x249.png 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-3-1248x374.png 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Buvei-3.png 1442w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"O sistema de pagamentos dos Estados Unidos est\u00e1 passando por uma transforma\u00e7\u00e3o estrat\u00e9gica. Com o GENIUS Act de&hellip;","protected":false},"author":2,"featured_media":5586,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":""},"categories":[336],"tags":[2816,126,1936,338,2818],"class_list":{"0":"post-5594","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news-pt","8":"tag-blockchain-en-pt","9":"tag-buvei-pt","10":"tag-crypto-payments-pt","11":"tag-digital-pt","12":"tag-us-crypto-pt","13":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/5594","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/comments?post=5594"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/5594\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/5586"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=5594"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=5594"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=5594"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}