GENIUS Act — U.S. Law for Payment Stablecoins
Official Name: Guiding and Establishing National Innovation for U.S. Stablecoins Act
✅ Only licensed issuers may release payment stablecoins.
✅ 100% reserve backing with cash or short‑term U.S. Treasuries.
✅ Public monthly reserve reporting and independent audits.
✅ Priority repayment to holders if an issuer fails.
✅ Full compliance with AML and sanctions laws. Benefit: Protects the ecosystem by ensuring any third‑party assets we touch are fully backed, regulated, and transparent — blocking unsafe coins before they can impact payouts.
CLARITY Act — U.S. Law Defining Digital Asset Oversight
Official Name: Digital Asset Market Structure Clarity Act of 2025
✅ Exact definitions for “digital asset,” “digital commodity,” and “mature blockchain.”
✅ SEC regulates securities‑type tokens; CFTC regulates commodities.
✅ Pathway for tokens to shift from security to commodity when decentralized.
✅ Registration requirements for exchanges and brokers.
✅ Legal protection for members’ right to self‑custody assets. Benefit: Eliminates regulatory uncertainty, ensures we only run lawful programs, and guarantees members retain full rights over their assets.
Surfabit — 2% Daily for 54 Days
Surfabit rewards members with 2% daily for 54 days, with an 8% admin fee baked in from the start. At the end of the contract, you can withdraw both interest and principal, or take only the interest and let the rest ride into a new contract. If you don’t top off, you will be paid $0.002 per ad for 10 ads per day over 54 days — which totals $1.08. Withdraw it or use it to begin another contract.
Bondabit
Bondabit is the avenue for MyGoldenATM to attend property tax auctions. This is how we secure the payouts of a 1‑year bond (365 days) that pays 120% total. The daily payout rate is calculated from that total, and the admin fee is baked in from day one.
Whiporwill Coin
Whiporwill Coin helps members purchase ads, merchandise, and access other in‑platform benefits. It is not traded outside of MyGoldenATM.