ADAC · Insights
Writing on regulation, governance, and building.
Analysis from the authors of the definitive practitioner's guide to U.S. stablecoin regulation — published here and on the platforms where we write.
GENIUS Act and the Emerging Architecture of Digital Payments
How the GENIUS Act reshapes the architecture of digital payments — and what the emerging stablecoin rails mean for issuers, banks, and builders.
James R. Holbein & Justin E. Holbein
Introducing American Digital Asset Consulting
Why we started a firm at the intersection of digital asset law and engineering — and what you'll find here.
James R. Holbein & Justin E. Holbein
Agencies Request Comments on GENIUS Act Implementation
Federal agencies open comment periods on GENIUS Act implementation — what is being asked, and how stakeholders can weigh in.
James R. Holbein & Justin E. Holbein
AI Legislative Framework Proposed by the White House
A look at the White House's proposed AI legislative framework and its implications for developers and regulated industries.
James R. Holbein & Justin E. Holbein
Integrating DAOs and DUNAs with Stablecoin Ecosystems
How decentralized organizations can plug into stablecoin ecosystems — governance and compliance considerations for DAOs and DUNAs.
James R. Holbein & Justin E. Holbein
Activating HTTP 402: The x402 Protocol and Legal Framework for Internet-Native Stablecoin Payments
The x402 protocol turns HTTP's dormant 402 status code into internet-native stablecoin payments — the technology and its legal framework.
James R. Holbein & Justin E. Holbein
Wyoming Laws More Crypto-Friendly with Issuance of State Stablecoin
Wyoming extends its crypto-friendly legal regime with a state-issued stablecoin — what it means for state-level digital asset strategy.
James R. Holbein & Justin E. Holbein
GENIUS Act Establishes Legal Framework for Payment Stablecoins
A first look at the GENIUS Act: the federal legal framework for payment stablecoins, its certification pathways, and issuer obligations.
James R. Holbein & Justin E. Holbein
The Tokenization Rulebook: Compliance Strategies for the Digital Asset Revolution
How the Howey Test applies to crypto assets, the SEC's evolving approach, and compliance frameworks for tokenization — from institutional efforts to the creator economy.
James R. Holbein & Justin E. Holbein
Security for New Bitcoin Strategic Reserve
Security considerations for the U.S. Bitcoin strategic reserve — custody, key management, and institutional safeguards.
James R. Holbein & Justin E. Holbein
Wyoming's DUNA Law — A Legal Framework for Non-Profit DAOs and Open-Source Blockchain Networks
Wyoming's DUNA statute gives non-profit DAOs and open-source blockchain networks a legal wrapper — how it works and who should use it.
James R. Holbein & Justin E. Holbein
Recent Developments in Digital Assets Policy
A survey of U.S. digital asset policy developments across legislation, regulation, and enforcement.
James R. Holbein & Justin E. Holbein
Evolving Legal Norms for Artificial Intelligence in the European Union and the United States
Comparing EU and U.S. approaches to regulating artificial intelligence as legal norms take shape on both sides of the Atlantic.
James R. Holbein & Justin E. Holbein
Assessing the Benefits and Challenges of Tokenizing Real World Assets
The benefits and unresolved challenges of tokenizing real-world assets, from liquidity gains to legal gray areas.
James R. Holbein & Justin E. Holbein
Regenerative Finance (ReFi): Tokenizing Carbon Offsets and Incentives
Regenerative finance: how tokenized carbon offsets and onchain incentives aim to align markets with environmental outcomes.
James R. Holbein & Justin E. Holbein
Can the U.S. Mitigate Digital Assets Fraud While Fostering Innovation?
Can regulators curb digital asset fraud without stifling innovation? A look at the enforcement and policy balance.
James R. Holbein & Justin E. Holbein
Can, and Should, the U.S. Government Develop a CBDC System?
Whether the U.S. government can — and should — build a central bank digital currency system.
James R. Holbein & Justin E. Holbein
ImpactDAOs: Shaping the Future of Regenerative Organizations
ImpactDAOs use decentralized coordination for public goods — a look at the model shaping regenerative organizations.
James R. Holbein & Justin E. Holbein
Implications of a United States Central Bank Digital Currency
What a U.S. central bank digital currency would mean for payments, privacy, and the banking system.
James R. Holbein & Justin E. Holbein
Evolving Legal Issues for NFTs
The evolving legal issues around NFTs — intellectual property, securities questions, and consumer protection.
James R. Holbein & Justin E. Holbein
Executive Order on Digital Assets a Welcome Start to Responsible Regulation
The 2022 executive order on digital assets set a whole-of-government research agenda — a welcome start to responsible regulation.
James R. Holbein & Justin E. Holbein
Legal Issues Confronting Formation and Operation of a Decentralized Autonomous Organization (DAO)
How DAOs governed by smart contracts fit the U.S. regulatory landscape — Wyoming's pioneering DAO law, SEC and CFTC concerns, and why cooperative association frameworks may offer an alternative model.
James R. Holbein & Justin E. Holbein
Approaches to Regulation for Decentralized Finance
Regulatory approaches to decentralized finance — how existing frameworks map onto DeFi and where they fall short.
James R. Holbein & Justin E. Holbein
Digital Blockchain Services Bolster Supply Chains
How blockchain-based digital services strengthen supply chain transparency and trade documentation.
James R. Holbein & Justin E. Holbein
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Occasional analysis of digital asset regulation, governance, and building — plus first word when a new book lands. No noise.