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The US Congress is drafting cryptocurrency legislation, and this is a rare window of opportunity. Decision-makers should seize this chance to promote the establishment of a truly people-centered financial system. The current financial system is controlled by a few institutions, but the open nature of blockchain and crypto assets offers the possibility to reshape the financial landscape. Legislation should not only safeguard the interests of major players but also open doors for small and medium users, innovators, and groups marginalized by traditional finance. This is not just a technical issu

"Fees are required to lift withdrawal restrictions" 🚩
This alone is enough to prove that an exchange is not legitimate. Any reputable platform would not profit from users through such means.
Be vigilant when choosing an exchange, and don't fall into hidden fee traps. Safety first, and compliant platforms are the long-term choice.

The crypto industry's approach to custody looks increasingly untenable. After the FTX and Celsius collapses, claiming that centralized custody is secure feels disconnected from reality. This shift is forcing a reckoning across the market.
Stablecoins, meanwhile, need genuine utility beyond speculation. User experience has finally caught up to the technical requirements. The pieces are aligning at the right moment.
What's worth noting: regulators appear to be quietly steering toward non-custodial solutions. This isn't accidental timing. The window for this transition is narrow but real. Market

Major shift in traditional lending: A leading mortgage provider will begin accepting Bitcoin, Ethereum, spot ETFs, and USD stablecoins as collateral starting this February. The move covers non-agency lending products including home purchases and refinancing deals. Here's what matters—valuations won't be straightforward. The system will adjust crypto holdings based on market volatility, meaning borrowers can't simply plug in spot prices. This represents a critical bridge between crypto and conventional finance. What started as fringe asset class thinking is now crossing into mainstream mortgage

The latest regulatory draft on stablecoins isn't exactly favorable news for issuers—particularly those with ambitions in tokenized RWA markets. Those betting on looser restrictions in real-world asset tokenization? The current proposal doesn't seem to deliver what they hoped for. The real question now is how much will shift between this draft and the final version, and frankly, the market impact remains to be seen.

German banking giant DZ Bank has secured BaFin regulatory approval under the EU's MiCAR framework to launch its 'meinKrypto' platform. The move enables retail customers of German cooperative banks to trade Bitcoin, Ethereum, Litecoin, and Cardano directly through the VR Banking App, with digital asset custody handled by Boerse Stuttgart Digital. This marks a significant step in bringing institutional-grade crypto infrastructure to mainstream banking in Europe, combining regulatory compliance with accessibility for retail investors.

A leading cryptocurrency platform executive has raised serious concerns about proposed crypto market structure legislation, particularly regarding stablecoin regulations. According to his assessment, several provisions embedded in the bill could pose significant risks to everyday American consumers and market participants. The regulatory approach, he argues, may introduce unintended consequences for the broader digital asset ecosystem. These concerns highlight the ongoing tension between regulatory frameworks and the practical needs of crypto market participants, especially around stablecoin o

A founder of a major exchange recently proposed a bold idea: governments should record fiscal expenditures on the blockchain to create a transparent, open, and tamper-proof ledger. After all, since it’s called "public expenditure," it should be accessible for the public to see where the money is flowing.
This proposal is indeed interesting. The core advantages of blockchain—immutability and transparency—when applied to government budget management, could theoretically significantly reduce information asymmetry in fiscal data. Imagine taxpayers being able to track the use of public funds in rea

A significant rift is widening between U.S. government officials and major crypto trading platforms over market regulation. The administration is now considering withdrawing backing for a proposed crypto market structure bill—unless the platform returns to the negotiating table with a yield framework that satisfies banking sector requirements. Sources indicate growing frustration within official circles over what they view as the platform's abrupt and public rejection of earlier proposals. This standoff underscores the delicate balance between regulatory oversight and industry innovation, with

The U.S. administration is signaling a potential shift in its stance toward crypto-friendly legislation, with tensions escalating following recent disagreements with major exchange platforms. Sources indicate that ongoing disputes could lead policymakers to reconsider their support for pending crypto bills currently under review. The development marks a critical juncture in the regulatory landscape, as the government weighs political considerations against industry demands. This pivot could reshape the trajectory of digital asset regulation in the coming months, affecting everything from compl

Belgium's financial landscape just shifted: KBC, the country's second-largest bank, is gearing up to let customers trade Bitcoin and Ether starting mid-February 2026. The rollout happens through Bolero, KBC's retail-focused online investment platform, opening these digital assets to mainstream investors who've been sidelined from the crypto markets. This move signals growing institutional comfort with Bitcoin and Ether as legitimate investment vehicles in traditional banking channels. Retail participation typically follows infrastructure readiness—and when established banks like KBC open the g

Moldova is taking a significant stride toward cryptocurrency regulation. The Eastern European nation has officially announced intentions to legalize Bitcoin and crypto trading operations by 2026. This regulatory framework represents a meaningful shift in how the region approaches digital assets—moving from ambiguity toward structured oversight. For global investors eyeing Eastern Europe, this development signals an opening door. Clearer rules typically attract institutional capital and legitimate market participants. As Moldova joins other nations in establishing crypto-friendly policies, the

Those shouting "revolution" and "banks are harmful" clearly haven't realized how much effort it takes to reach consensus across the political spectrum. This is not simply about persuasion—it's about finding a balance point between opposing positions and integrating the interests of all parties. If we fail to seize this window of compliance and gain institutional recognition for the entire crypto industry, it would be a real pity. Opportunities like this don't come around often.

Here's the regulatory paradox nobody wants to admit: yield-bearing stablecoins are essentially tokenized money market funds in structure. Yet the industry pushes back hard against that classification. Why? Because MMF regulation comes with compliance baggage—insurance requirements, capital restrictions, the whole nine yards.
The real tension: these assets need to compete with traditional bank deposits to gain traction, right? But compete they must do without triggering banking regulations. Insurance coverage? Nope. Capital adequacy rules? Not interested. It's wanting the market appeal of depos

A group of 6 people in Hebei were sentenced to more than 10 years in prison for off-site robbery of a cryptocurrency trader. For 400,000 USDT, several individuals risked their entire lives.
This case actually highlights an important issue. Many retail investors believe that virtual assets are invalid under civil law and therefore no one cares, but they don't realize these are two different matters. Although the 9.24 announcement explicitly states that personal transactions of virtual currencies are not protected in civil relations, this does not mean there is a legal vacuum at the criminal law

The Clarity Bill still has many unclear points. In addition to issues related to stablecoin yields, this legislation faces other challenges. One of the main debates is the jurisdictional conflict between the SEC and CFTC in issuing regulations for the cryptocurrency sector. Additionally, policies and the government's direction also influence the progress of finalizing this bill.

According to latest reports, the White House may reconsider its support for the cryptocurrency market structure bill if a major compliance-focused platform fails to return to the negotiation table. Officials have criticized the exchange's withdrawal as a "unilateral move" and clarified that the proposed legislation represents the administration's policy vision, not individual corporate interests. This signals potential tension between regulatory authorities and industry players over how market infrastructure should be shaped moving forward.

Bitcoin Strategic Reserve Remains Top Priority
The U.S. administration continues to view building a strategic Bitcoin reserve as a critical initiative. According to recent statements from key officials, establishing and maintaining Bitcoin holdings is positioned as a long-term priority for national financial strategy. This policy direction signals strong institutional interest in cryptocurrency as a strategic asset class, with implications for broader market adoption and regulatory frameworks in the months ahead.

The crypto ecosystem's real battlefield isn't stablecoin yields—that's a losing game. What matters more: negotiating reward mechanisms and incentive structures that central banks might actually tolerate.
Here's the thing though. For the past several decades, major central banks have consistently opposed narrowbanking models. They don't want consumers bypassing traditional banking channels, holding deposits directly in safe government debt via central bank accounts. Why? Because they rely on money flowing through the credit system. Direct consumer access to risk-free central bank deposits would

Industry insiders initially expected the crypto sector would rally behind major regulated platforms to coordinate with Washington—pushing banks and Congress to adopt more favorable policies. Yet that coordinated strategy hasn't materialized. The White House's stance remains surprisingly lukewarm toward such unified industry pressure.
It's an intriguing disconnect. What we're witnessing is a fundamental misalignment: most of the crypto ecosystem wants one thing, but the policy machinery operates on different terms. Whether this reflects genuine ideological resistance, competing priorities, or s