# Stablecoin de pagamento (GENIUS Act)

O termo do GENIUS Act para um ativo digital usado em pagamentos que seu emissor deve resgatar por um valor monetário fixo.

Canonical: https://achivx.org/pt-br/glossary/payment-stablecoin/
Updated: 2026-11-04

Uma stablecoin de pagamento (payment stablecoin) é o termo do GENIUS Act para um ativo digital que é, ou foi projetado para ser, usado como meio de pagamento ou de liquidação, cujo emissor é obrigado a convertê-lo, resgatá-lo ou recomprá-lo por um valor monetário fixo e declara que manterá um valor estável em relação a esse valor. A definição exclui moedas nacionais, depósitos e valores mobiliários. Os emissores não podem pagar aos detentores juros ou rendimento apenas por manter, usar ou reter a moeda.

## O que dizem as fontes

| Fonte | Citação | Link |
|---|---|---|
| GENIUS Act, seção 2(22)(A): definição | "(22) Payment stablecoin.--The term “payment stablecoin”-- (A) means a digital asset-- (i) that is, or is designed to be, used as a means of payment or settlement; and (ii) the issuer of which-- (I) is obligated to convert, redeem, or repurchase for a fixed amount of monetary value, not including a digital asset denominated in a fixed amount of monetary value; and (II) represents that such issuer will maintain, or create the reasonable expectation that it will maintain, a stable value relative to the value of a fixed amount of monetary value; and" | [govinfo.gov](https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm) |
| GENIUS Act, seção 2(22)(B)(i): exclui a moeda nacional | "(B) does not include a digital asset that-- (i) is a national currency;" | [govinfo.gov](https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm) |
| GENIUS Act, seção 2(22)(B)(ii): exclui depósitos | "(ii) is a deposit (as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813)), including a deposit recorded using distributed ledger technology; or" | [govinfo.gov](https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm) |
| GENIUS Act, seção 2(22)(B)(iii): exclui valores mobiliários | "(iii) is a security, as defined in section 2 of the Securities Act of 1933 (15 U.S.C. 77b), section 3 of the Securities Exchange Act of 1934 (15 U.S.C. 78c), or section 2 of the Investment Company Act of 1940 (15 U.S.C. 80a-2)" | [govinfo.gov](https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm) |
| GENIUS Act, seção 4(a)(11): sem juros nem rendimento | "No permitted payment stablecoin issuer or foreign payment stablecoin issuer shall pay the holder of any payment stablecoin any form of interest or yield (whether in cash, tokens, or other consideration) solely in connection with the holding, use, or retention of such payment stablecoin." | [govinfo.gov](https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm) |
| Comunicado à imprensa do Tesouro dos EUA (17 de agosto de 2026): exigência de licença | "Beginning on January 18, 2027, the expected effective date of the GENIUS Act, a person generally may not “issue a payment stablecoin in the United States” unless the person has obtained an appropriate federal or state license." | [home.treasury.gov](https://home.treasury.gov/news/press-releases/sb0605) |

As citações são reproduzidas no idioma original.

## Termos relacionados

- [Stablecoin](/pt-br/glossary/stablecoin/)
- [Token de moeda eletrônica (EMT, MiCA)](/pt-br/glossary/e-money-token/)
- [Stablecoin com rendimento](/pt-br/glossary/yield-bearing-stablecoin/)
- [Falência do emissor](/pt-br/glossary/issuer-failure/)
- [Seguro de depósitos](/pt-br/glossary/deposit-insurance/)

## Veja também

- Explicação: [What is the GENIUS Act, and what does it change for USDT and USDC?](https://achivx.com/academy/issuers/what-is-the-genius-act.html)

Conferido com as fontes em 2026-11-01.

## Sources
- https://www.govinfo.gov/content/pkg/PLAW-119publ27/html/PLAW-119publ27.htm
- https://home.treasury.gov/news/press-releases/sb0605