“The GENIUS Act And Why Savvy People Are Moving To Precious Metals”

"Gold is money. Everything else is credit.” – J.P. Morgan

The financial world keeps shifting quickly. On Friday, July 18, 2025, the U.S. passed the GENIUS Act—a law that sets federal rules for payment stablecoins, a type of digital dollar. If you’re not familiar with stablecoins, don’t worry. But this law, and what it means for money and privacy, is something to which we need to pay attention.

Because what’s really at stake here is how we store and control our money, savings and wealth—and why I believe that owning physical gold and silver matters more than ever.

What Is the GENIUS Act?

The GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins) was signed into law on July 18, 2025 by President Trump. It creates a legal framework for stablecoins—digital tokens pegged 1-to-1 to the U.S. dollar.

The law requires stablecoin issuers to hold 100% reserves in cash or short-term U.S. Treasury securities. These reserves must be audited monthly, remain transparent, and can’t be lent out or earn interest. Essentially, stablecoins become digitized dollars, issued by private companies but closely monitored by the government.

Popular stablecoins you may have heard of include Tether, USD Coin, Binance USD, and Dai. These digital dollars are designed for fast, global payments and are widely used in crypto trading.

My Take on XRP

Speaking of the crypto space, the only one I consider useful is XRP from Ripple. Unlike coins which are made from thin air, XRP is a financial system built to move transactions quickly and cheaply across borders and could replace the outdated SWIFT system banks currently use. It has the potential to be a foundation for the next financial system.

But whether XRP or something else leads the future, this only underscores why physical precious metals remain crucial.

Beware “Simpler and More Convenient”

Here’s a key warning: whenever governments promote something as “simpler” or “more convenient,” especially when it comes to financial matters, that often means more control—and less privacy and freedom.

The GENIUS Act may look like an innovation win but behind the scenes, it could bring more oversight, tracking, and government power over your money. That’s something to be cautious about.

Was a CBDC Avoided? Not Really.

The GENIUS Act originally included language laying groundwork for a U.S. Central Bank Digital Currency (CBDC)—a fully digital dollar issued and controlled by the government. Thanks to last-minute efforts from Representative Marjorie Taylor Greene, that part was removed, reflecting widespread public concern over a “surveillance-style digital dollar.”

But even without the CBDC language, the bill opens the door for federal involvement in digital currency and could pave the way for a CBDC down the road, through other legislation or executive action.

Why This Should Make You Think

Even without a CBDC yet, the direction is clear: the future of money is digital, centralized, and monitored. That can make people feel anxious—and with good reason. What happens if your digital money can be frozen, tracked, or restricted? What happens to privacy and financial freedom?

This growing control makes physical precious metals more relevant than ever.

Physical Precious Metals: The Real Deal

Gold, silver, and even platinum aren’t just old-fashioned relics. They’re real, tangible assets that exist outside the digital and banking systems. They can’t be hacked, frozen, or erased. You don’t need permission to own or spend them. Their value can't be inflated away, and history shows they hold their value through every currency collapse, inflation, and geo-political crisis.

Over the last few years, several central banks worldwide have been and continue to buy gold, and more recently silver, at record levels. BRICS nations (Brazil, Russia, India, China, and South Africa and more) are stockpiling gold to reduce reliance on the U.S. dollar.

In the U.S., many states have passed laws recognizing gold and silver as legal tender, meaning they can be used to pay taxes.

Meanwhile, gold, silver, and platinum have outperformed many traditional stock markets over the past few years. So they’re not just safe—they’re also growing in value.

Stablecoins vs. Precious Metals: What’s the Difference?

Stablecoins are designed for quick, easy digital transactions and tend to be less volatile than cryptocurrencies like Bitcoin. But stablecoins are tied to the U.S. dollar, and the dollar’s purchasing power has steadily declined due to inflation and massive government debt. So while your stablecoin might hold “a dollar” of value, that dollar is still fiat currency and worth less than it used to be.

Gold and silver, on the other hand, have been trusted stores of value for thousands of years, independent of any government or central bank.

Where Does This Leave You?

The financial system is evolving fast, and often not in ways that protect your privacy or financial independence. Governments are spending, borrowing, and printing money at unprecedented rates.

This may be part of a concerted push to collapse the dollar and economy towards a new financial world where money is digital and tightly controlled.

That can understandably make people feel worried and anxious about how and where to keep their wealth and financial privacy safe and secure. Physical precious metals offer a way out—a way to own real, private, and lasting wealth outside the system.

Ready to Take Your First Step?

If you’ve been thinking about owning precious metals but aren’t sure how to start, you’re not alone—and now is a great time. I’ve created a free guide called “Why Savvy People Are Moving To Precious Metals” to help you understand why so many are making this move now.

Even owning just your first ounce is a great way to begin protecting your wealth and if you want to chat, I’m happy to offer a free 15-minute "Discovery Call" to help you figure out your best next step.

The GENIUS Act is a sign of the times: money is going digital, but with that comes potentially more government control. While that might sound convenient, it also could mean less privacy and freedom. That’s why I think holding some of your wealth in physical gold, silver, and platinum are more important than ever. They’re your financial off-ramp in an increasingly digital and controlled world. Don’t wait until the system forces your hand. Start protecting your real wealth today.

To your financial health 🥂,

David LeBlanc The Precious Metals Coach

"Real Money For We The People"

preciousmetalscoach@proton.me