The GENIUS Act has positioned regulated stablecoins such as USDC to become essential infrastructure in global finance, presenting banks with significant opportunities. Banks are faced with the decision to either create their own stablecoins or partner with established issuers like Circle, which already offers deep network effects and compliance infrastructure. USDC, issued by Circle, functions more like modern settlement infrastructure, enabling secure, global transactions with continuous uptime. It allows banks to enhance cross-border payments, integrate tokenized assets, and improve treasury management without the complexities of issuing their own stablecoins. Partnering with Circle offers banks immediate access to a well-established ecosystem, avoiding the challenges and costs associated with developing proprietary or white-label stablecoins. The GENIUS Act clarifies the regulatory landscape, encouraging banks to collaborate with established issuers to stay competitive and innovate in the digital finance space.