New U.S.-Regulated Crypto Aims to Become Everyday Payment Currency

The new stablecoin will leverage Hadron by Tether, considered the most advanced tokenization platform for real-world assets.

Tether

Quick overview

  • Tether has launched a U.S.-regulated cryptocurrency called USA, designed as a digital alternative to cash and traditional payment systems.
  • The new stablecoin is backed by transparent reserves and complies with U.S. regulatory standards, framed within the GENIUS Act.
  • USA aims to facilitate payroll processing and everyday transactions, leveraging its stable value compared to more volatile cryptocurrencies.
  • With a market capitalization exceeding $169 billion, Tether's USD token is the most widely adopted stablecoin globally, and USA seeks to enhance its presence in regulated digital finance.

The digital currency could play a role in payroll processing due to its stability while fully complying with the most stringent regulatory standards.

Tether, a global leader in the digital asset ecosystem, has launched a U.S.-regulated cryptocurrency called USA, designed to position itself as a digital alternative to cash and traditional payment systems.

The token arrives backed by transparent reserves and strict compliance with U.S. oversight. Its issuance is framed within the recently approved GENIUS Act, which regulates the creation of stablecoins and represents a major step toward bridging financial innovation with regulatory control.

The new stablecoin will leverage Hadron by Tether, considered the most advanced tokenization platform for real-world assets. It will be issued by Anchorage Digital, the first federally regulated crypto bank in the United States, with Cantor Fitzgerald serving as both reserve custodian and primary distributor.

Payroll and everyday transactions

Similar to USDC and USDT, the new coin aims to become one of the leading options for salary payments, benefiting from its stable value compared to volatile cryptocurrencies like Bitcoin or Ethereum.

Stablecoins are also subject to the Markets in Crypto-Assets (MiCA) framework, which began implementation in June 2024 across the European Union and is expected to be fully enforced by 2026.

These digital assets have increasingly functioned as a form of “digital dollar” in emerging markets and communities with limited access to traditional financial services, reaching nearly 500 million users worldwide.

Tether’s market leadership

Currently, Tether’s USD token is the most widely adopted stablecoin globally, with a market capitalization exceeding $169 billion. Its daily transaction volume already surpasses that of traditional payment giants, including major credit card operators and remittance companies.

With USA, Tether aims to strengthen its foothold in the regulated digital financial infrastructure, driving adoption for payroll, consumer spending, and everyday transactions under a strict U.S. regulatory framework.

ABOUT THE AUTHOR See More
Ignacio Teson
Economist and Financial Analyst
Ignacio Teson is an Economist and Financial Analyst. He has more than 7 years of experience in emerging markets. He worked as an analyst and market operator at brokerage firms in Argentina and Spain.

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