stablecoins

According to Bloomberg, Coinbase could withdraw its support if the bill restricts stablecoin rewards beyond basic disclosure requirements.

Stablecoin rewards are a major revenue driver for Coinbase, which also holds a stake in Circle, the issuer of USDC.

The bill is scheduled for Senate markup this week. The Senate Banking Committee has targeted January 15, 2026, for a committee vote on the landmark crypto market structure bill (H.R. 3633), which aims to:

- Clarify SEC vs. CFTC oversight
- Establish clear rules for #crypto firms
- Set standards for #DeFi and #stablecoins

All eyes on the Senate. 👀#WriteToEarnUpgrade

🚨 APOCALIPSE DAS STABLECOINS ❓ O QUE VOCÊ PRECISA SABER PARA NÃO PERDER TUDO ❗ 💸⚠️

O mercado crypto em 2026 está vivendo um momento de euforia, mas uma nuvem negra paira sobre o pilar mais importante do ecossistema ⥱ as Stablecoins.

Hoje o canal @Leandro-Fumao Levanta a Questão ⥱ Estamos Próximos de um "Apocalipse" para Ativos como $USDT e $USDC ? 🧵👇

🏛️ 1. O Cerco das MiCA e do FED

As novas regulamentações (como a MiCA na Europa e as diretrizes do FED nos EUA) estão mudando as regras do jogo.

Stablecoins que não possuem reservas 100% auditadas e transparentes estão sendo banidas de grandes exchanges. O "laissez-faire" acabou.

🏦 2. A Ascensão das CBDCs

O verdadeiro inimigo pode ser o Estado. Com o lançamento do Dólar Digital e do Real Digital (Drex), os governos querem o monopólio da liquidez digital.

O objetivo? Substituir as stablecoins privadas por moedas controladas por bancos centrais. 🏛️💻

📉 3. O Risco de Desvinculação (Depeg)

A matéria alerta para o risco sistêmico. Se uma grande stablecoin perder sua paridade de 1:1 com o dólar devido a pressões regulatórias ou falta de liquidez, o efeito cascata no DeFi e nas

Alts pode ser devastador, superando o colapso da Terra Luna em 2022.
🛡️ Como se proteger em 2026 ?

Diversificação ⥱ Não mantenha 100% do seu capital parado em uma única stablecoin.

Foco em Compliance ⥱ Dê preferência a ativos que seguem as normas da MiCA e possuem provas de reserva em tempo real.

De olho nas Descentralizadas ⥱ Stablecoins sobre-colateralizadas e algorítmicas de nova geração podem ser o refúgio se as centralizadas sofrerem sanções.
📢 A HORA DO DEBATE

Você acredita que as Stablecoins privadas vão sobreviver à pressão dos governos ou seremos todos "obrigados" a usar as CBDCs no futuro ? 🏛️ vs 🔓

⚠️ @Leandro-Fumao 📜 Sempre faça seu próprio estudo antes de investir em qualquer projeto cripto

#Stablecoins #USDT #USDC #CBDC #CryptoNewsCommunity

$ETH Vitalik Just Exposed the Cracks in Decentralized Stablecoins

Ethereum’s co-founder is sounding the alarm — and the message isn’t bullish. Vitalik Buterin warns that decentralized stablecoins are walking a dangerous line unless three massive problems are solved fast.

First, the dollar peg may be the weakest link. If the entire system still leans on USD dominance, is it truly decentralized? Second, oracles remain a silent threat. If price feeds can be captured or manipulated, the whole stablecoin stack becomes fragile overnight. And third — the real killer — yield. When staking offers higher, safer returns, why would capital stay parked in stablecoins?

This isn’t FUD. It’s a reality check from one of crypto’s sharpest minds. The future of decentralized money may depend on who cracks these problems first.

Are decentralized stablecoins evolving… or slowly falling behind? 👀

#Crypto #Stablecoins #DeFi

🚨 O FIM DA INCERTEZA ❓ TUDO SOBRE A LEI DA CLAREZA (CLARITY ACT) EM 2026🏛️⚖️

Se você investe em DeFi ou segura $XRP , preste atenção ⥱
A semana de 15 de janeiro de 2026 pode ser o marco zero de uma nova era regulatória nos EUA.

No vídeo mais recente da Paul Barron Network, Amanda Tuminelli (DeFi Education Fund) revela os bastidores do que está para acontecer no Congresso!🧵👇

🚀 1. DeFi sob a Lupa: Desenvolvedor não é Banco

A grande batalha no Congresso agora é garantir que desenvolvedores de software não sejam tratados como instituições financeiras centralizadas.

Linha Vermelha: A proteção da autocustódia é inegociável. Qualquer tentativa de impor regras irracionais de KYC para quem apenas escreve código está sendo combatida ferozmente.

Status do Projeto: Com votações marcadas para a próxima semana, podemos ver o texto final da Lei da Clareza chegando à mesa de $TRUMP ainda neste trimestre.

🏦 2. Bancos vs. Stablecoins: A Guerra pelo Yield

Os bancos tradicionais estão em pânico com a "fuga de depósitos" para protocolos DeFi e exchanges como a Binance.

Eles estão tentando derrubar a lei atual (Genius Act) para proibir que terceiros ofereçam recompensas e rendimentos (yield) sobre stablecoins.

É a luta da incumbência contra a inovação. Quem vai vencer a queda de braço no Capitólio?

💎 3. A Crypto $XRP e a "Queima" para Descentralização ?

Um ponto explosivo discutido é a classificação de tokens. Existe a possibilidade de que empresas ⥱ Como a #Ripple💰 ⥱ precisem "Queimar" Tokens para provar a descentralização total e se enquadrarem em categorias mais favoráveis da nova lei.

🌐 4. O Recado de Paul Atkins (SEC)

Diferente da era anterior, a nova liderança da SEC parece entender que sistemas descentralizados devem ser tratados separadamente dos centralizados. Isso traz um otimismo sem precedentes para o mercado cripto em 2026.

@Leandro-Fumao » 💡 Sempre faça seu próprio estudo antes de investir em qualquer projeto cripto.

#CLARITYAct #xrp #SEC #Stablecoins

🔔🚨 BREAKING NEWS: BINANCE CONFIRMS NEW LISTING 🔥🚀

#Binance — the world’s largest crypto exchange — has officially announced the listing of United Stables ($U ) 👀🔥

📅 Trading Starts:

⏰ Tomorrow at 08:00 UTC

💱 Trading Pairs:

• $U / $USDT
• $U / $USDC

💰 Deposits & Withdrawals:

✅ Deposits: OPEN
⏳ Withdrawals: Jan 14 | 08:00 UTC
🧠 What is United Stables ($U )?

• AI-optimized stablecoin
• Designed for bots & automated payments
• High liquidity & fast settlements

⚡ Standout Feature:

🚀 Gas-free transfers
Perfect for micro-payments & high-frequency transactions

📌 Why this matters:
✔️ Binance-backed listing
✔️ Stablecoin + AI narrative
✔️ Zero gas fees
✔️ Major pairs (USDT & USDC)

👀 Is this the next evolution of stablecoins?

#Binance #CryptoNews #Stablecoins #AI

🔥 WALL STREET GOES ON-CHAIN — AND THIS IS HUGE 🔥
Franklin Templeton just made a POWER MOVE for tokenized finance.
This isn’t a pilot.
This isn’t an experiment.
This is real TradFi infrastructure being rewired for blockchain 👇
🏦 FRANKLIN TEMPLETON x TOKENIZED FINANCE
On Tuesday, Franklin Templeton announced major updates to two SEC-registered Rule 2a-7 government money market funds, positioning them directly inside the rapidly expanding regulated digital asset economy — without changing their traditional regulatory status.
Translation:
Same trusted products. New on-chain rails.
🔐 USE CASE #1: STABLECOIN RESERVE INFRASTRUCTURE
The Western Asset Institutional Treasury Obligations Fund has been restructured to align with the GENIUS Act — the federal stablecoin framework enacted in July 2025.
What changed?
• Now invests exclusively in U.S. Treasuries ≤ 93 days
• Fully aligned with stablecoin reserve requirements
• Built for institutional stablecoin issuers, not speculation
💡 Why it matters:
Stablecoins are no longer just crypto tools — they’re being used for payments, settlement, and collateral. Issuers now need regulated, ultra-liquid, high-quality reserves that function like financial infrastructure.
Franklin Templeton just delivered exactly that.
⛓️ USE CASE #2: BLOCKCHAIN-BASED FUND DISTRIBUTION
The Western Asset Institutional Treasury Reserves Fund launched a Digital Institutional Share Class — purpose-built for blockchain-enabled intermediaries.
What this unlocks:
• On-chain recording of fund share ownership
• Faster settlement
• 24/7 transaction capability
• Institutional-grade compliance + blockchain efficiency
⚠️ Crucial detail:
The fund itself remains a traditional money market fund.
No strategy change.
No regulatory shortcut.
👉 The plumbing changes — not the product.
🧠 WHY THIS IS A BIG DEAL
This is how tokenization actually scales: • Not memes

$BTC $ETH $XRP 🚀

#Tokenization #Stablecoins #GENIUSAct #TradFiOnChain #MoneyMarkets

🇪🇺 USDT IN EUROPE: THE SILENT COUNTDOWN TO JULY 2026
Why did Coinbase delist USDT in the EU mid-December, while other major exchanges continue trading it?
The answer lies in MiCA’s "Grandfathering Clause."
While the MiCA regulation is technically fully active as of early 2026, EU laws allow a transitional period for existing service providers. This grace period officially ends on July 1, 2026.
What does this mean for you?
Different Risk Appetites: Coinbase chose a proactive "safety-first" route to avoid regulatory friction. Others are utilizing the transition period to the max, adopting a "wait-and-see" strategy regarding Tether’s compliance status.
The Hard Stop: Unless Tether secures an EU EMI license by July 1, 2026, a region-wide delisting will become mandatory.
💡 The Takeaway:
Don't get caught in a potential liquidity crunch next summer. While USDT is currently tradable on many European platforms, the regulatory tide is clearly shifting towards fully compliant stablecoins (like USDC).
Enjoy the flexibility now, but keep an eye on the calendar.
#MiCA #Tether #USDT #CryptoRegulation #EuropeanUnion #Stablecoins

🚨 JPMorgan Cảnh Báo: Yield-Bearing Stablecoin Có Thể Tạo “Hệ Thống Ngân Hàng Song Song”

Trong buổi báo cáo thu nhập quý 4 vừa qua, Jeremy Barnum — CFO của JPMorgan Chase đã đưa ra quan điểm cực kỳ thẳng thắn về stablecoin trả lợi suất (yield-bearing stablecoins), khiến cả giới tiền mã hóa và ngân hàng truyền thống phải lưu tâm.

Theo ông Barnum, những sản phẩm stablecoin có cơ chế “tài khoản tiền gửi có lãi suất” nhưng không có các biện pháp quản lý chặt chẽ như ngân hàng truyền thống chính nên đây là một mối đe dọa tiềm ẩn. Ông mô tả điều này giống như một “hệ thống ngân hàng song song”, vận hành bên ngoài khuôn khổ luật lệ và quy định đã được xây dựng hàng trăm năm.

Barnum nhấn mạnh rằng JPMorgan hoàn toàn không phản đối kỹ thuật blockchain hay sự cạnh tranh trong lĩnh vực tài chính kỹ thuật số. Ngược lại, tiền mã hóa có nhiều điểm hấp dẫn và có thể cải thiện trải nghiệm của người dùng. Nhưng ông nhấn mạnh rằng stablecoin cần phải có cơ chế bảo vệ người gửi tiền và bảo đảm hệ thống để giảm thiểu rủi ro.

📌 Tóm tắt lại như sau:
💠 Một số stablecoin hiện nay đang được thiết kế để trả lợi suất hấp dẫn hơn so với tài khoản gửi tiết kiệm truyền thống — điều mà nhiều người dùng crypto yêu thích.
💠 Điều này khiến các ngân hàng lo ngại do chưa có quy định rõ ràng, các sản phẩm này sẽ trở thành một “khu vực tài chính không kiểm soát nhưng lại hoạt động giống ngân hàng”.
💠 Chính quyền và các nhà lập pháp đang cố gắng tìm ra điểm cân bằng: giữa việc khuyến khích đổi mới và bảo vệ người tiêu dùng, đảm bảo an toàn cho hệ thống tài chính tổng thể.

#Stablecoins #USDT
#IOTX $WAL $SOL

U.S. Senate Crypto Bill Sets Up Major Fight Over Stablecoin Rewards

1️⃣ What Just Happened:
The U.S. Senate Banking Committee, led by Sen. Tim Scott, released a 278-page crypto market structure bill that could reshape how digital assets are regulated.

2️⃣ Big Picture of the Bill:
The proposal:

Splits crypto oversight between SEC and CFTC

Clarifies what counts as a security vs a commodity

Introduces new disclosure rules for crypto firms

3️⃣ Main Controversy: Stablecoin Rewards
The most heated issue is whether platforms can offer rewards or yield on stablecoins.

4️⃣ What the Current Bill Says:

No interest or yield just for holding payment stablecoins

Allowed: activity-based rewards tied to actions like

Transactions

Staking

Liquidity provision

Using stablecoins as collateral

5️⃣ Why Banks Are Pushing Back:
Banking groups argue stablecoin rewards:

Could pull deposits away from banks

Hurt community banks

Create unfair competition

6️⃣ Crypto Industry Response:
Crypto leaders say:

This debate was already settled under the GENIUS Act

Banks are trying to limit competition, not protect users

7️⃣ More Restrictions May Be Coming:
Sources say a stricter amendment could be added — one that would severely limit stablecoin rewards, and it may have enough votes to pass committee.

8️⃣ Political Tensions Rising:
Blockchain Association CEO Summer Mersinger accused big banks of acting in bad faith, saying they’re trying to preserve monopoly power rather than help consumers.

9️⃣ Why This Matters for Crypto:
Stablecoins are core infrastructure for:

DeFi

Payments

On-chain liquidity

How rewards are treated could directly impact adoption, yields, and user incentives.

🔟 What’s Next:
Amendments are due Tuesday, and negotiations are ongoing. The final language could dramatically change stablecoin economics in the U.S.

$BTC

$SOL


#BinanceFeed #CryptoRegulation #Stablecoins #Write2Earn

⚠️ Vitalik Buterin alerta: As 3 falhas que ameaçam as Stablecoins!
O cofundador do Ethereum reacendeu o debate sobre a resiliência das stablecoins. Com um mercado de $300 mil milhões, Vitalik aponta que o design atual pode esconder riscos sistémicos para o futuro da Web3.
🚨 Os 3 Pontos Críticos:
Dependência do Dólar: A exposição excessiva ao USD importa riscos macroeconómicos e geopolíticos (inflação/sanções) para dentro do ecossistema cripto.
Vulnerabilidade de Oráculos: Sistemas de dados frágeis podem ser alvo de ataques de grandes capitais, causando liquidações em cascata.
Concorrência com Staking: O rendimento do staking de ETH torna as stablecoins menos atraentes, o que pode secar a liquidez e desestabilizar os protocolos.
💡 A Visão de Futuro (Soluções):
Criar índices alternativos (cestas de bens) para reduzir a "dependência do fiat".
Implementar oráculos mais robustos e resistentes a ataques de governança.
Integrar rendimentos de staking diretamente no design das stablecoins para manter a competitividade.
O veredito do especialista: A estabilidade atual é um pilar, mas a inovação é urgente para evitar novos episódios como o colapso da Terra (LUNA).
#VitalikButerin #Ethereum #Stablecoins #BinanceSquare #CryptoNews 🛡️💎

Bank of Italy Warns ETH Collapse Could Test Ethereum’s Role in Global Finance

A Bank of Italy economist released a stress‑test scenario suggesting that if Ether (ETH) were to collapse toward zero, it could undermine Ethereum’s network security and its use as a financial settlement infrastructure, potentially affecting stablecoins and decentralized finance built on the chain.

Key Facts:

• The paper “What if Ether Goes to Zero?” models an extreme price collapse and its impact on Ethereum’s validators and operational capacity.

• In the scenario, many network validators might exit due to lack of economic incentive, reducing network security and slowing transaction settlement.

• A weakened base network could ripple into broader financial utilities that depend on Ethereum’s settlement layer—including stablecoins and tokenized assets.

Expert Insight:
While the study is theoretical, it highlights how native‑token price risk can translate into infrastructure risk, drawing attention from global financial regulators.

#bankofitaly #CryptoRisk #defi #NetworkSecurity #Stablecoins $ETH

🔥 UPDATE: Circle minted 1,000,000,000 $USDC on Solana today, taking the 2026 total to 4.25B $USDC.

This reflects growing adoption and liquidity on Solana, strengthening its role as a core network for stablecoins and DeFi activity.

#USDC #Solana #DeFi #Crypto #Stablecoins

🚨 Polygon Labs تدخل عالم المدفوعات بقوة!

استحواذ Polygon Labs على Coinme و Sequence بأكثر من 250 مليون دولار ليس مجرد صفقة… بل خطوة استراتيجية للهيمنة على مدفوعات الـStablecoins عالميًا 🌍💸
🔹 ربط الكريبتو بالمدفوعات اليومية
🔹 بنية تحتية جاهزة للتبني المؤسسي
🔹 مستقبل جديد لمدفوعات الـOn-chain
📈 هل نشهد قريبًا استخدام العملات المستقرة بدل Visa وMastercard؟
وما التأثير القادم على POL؟ 👀🔥
#Polygon
#PolygonLabs
#Stablecoins
#BinanceSquare
#CryptoNews
$BTC $BNB

🏦 جي بي مورغان يحذّر من تصاميم العملات المستقرة… ما الذي يقلق البنوك؟💥

🔶️في خضمّ النقاشات التنظيمية المتسارعة حول سوق الكريبتو، عبّر بنك JP Morgan عن مخاوف واضحة تتعلق ببعض تصاميم العملات المستقرة (Stablecoins)، محذرًا من تداعياتها المحتملة على الاستقرار المالي.

🔶️ ما جوهر هذه المخاوف؟

🔸️وجود ثغرات تنظيمية في بعض نماذج العملات المستقرة
🔸️احتمال نشوء نظام مالي موازٍ خارج الرقابة التقليدية
🔸️مخاطر على حماية المستهلك في حال غياب أطر واضحة للاحتياطيات والحوكمة

🔶️ هل يعارض JP Morgan العملات المستقرة؟
ليس تمامًا؛ البنك لا يرفض الفكرة من حيث المبدأ، لكنه:

🔸️يطالب بتنظيم أوضح وأكثر صرامة
🔸️يدعو إلى توحيد المعايير بين البنوك والجهات المُصدِرة للعملات المستقرة
🔸️يحذّر من التسرع في تبنّي نماذج غير مُختبرة

🔶️ التداعيات على سوق الكريبتو:

🔸️زيادة النقاشات التنظيمية قد تخلق تقلبات قصيرة الأجل
🔸️في المقابل، التنظيم الواضح قد يعزز الثقة المؤسسية على المدى المتوسط والطويل
🔸️العملات المستقرة ستكون في قلب أي تشريع قادم

🔶️ الخلاصة:
العملات المستقرة لم تعد مجرد أداة تقنية، بل أصبحت قضية مالية وتنظيمية عالمية.
والمرحلة القادمة قد تحدد أي النماذج ستبقى… وأيها سيختفي.

$BTC
$XMR

$DASH

#CryptoRegulation #Stablecoins #FinTech
#JP_Morgan
#Blockchain

🚀 Polygon 挑战 Stripe：斥资 2.5 亿美元布局未来加密支付！
Polygon Labs 正在对金融科技市场发起大规模攻势。该公司宣布以超过 2.5 亿美元的总价收购两家初创公司：Coinme 和 Sequence。
战略核心是什么？
Polygon 基金会创始人将这一举动称为**“反向 Stripe”**。如果说 Stripe 是将加密货币整合进传统金融体系，那么 Polygon 则是在区块链基础上构建全新的金融主干道，旨在取代过时的银行基础设施。
为什么现在如此重要？
稳定币热潮： 继美国稳定币监管法案签署（2025 年 7 月）后，市场竞争愈发激烈。大众采用： Coinme 和 Sequence 将简化普通用户和企业进入加密世界的门槛。与巨头竞争： Polygon 不再仅仅是 L2 解决方案，它正成为支付系统巨头领域的正式玩家。
加密基础设施正变得越来越“无缝”。似乎很快在 Polygon 网络上使用稳定币支付，就会像刷卡一样普遍。💳🌐
您认为未来 2 年内，Polygon 能否取代传统的支付方式？👇
#Polygon #MATIC #POL #Stripe #Stablecoins

Dubai’s New Stablecoin Framework: A Move Toward Institutional Clarity 🏛️
Dubai’s DFSA has recently approved RLUSD for use within the DIFC, marking a significant step in the region's regulatory journey. This move places Ripple’s stablecoin alongside $USDC and $EURC as one of the only three recognized stablecoins under the current framework.

What this means for the market:

Strict Standards: Only fully backed and transparent stablecoins are permitted.

Exclusions: Privacy coins and algorithmic stablecoins remain outside the regulated scope to ensure stability.

Institutional Focus: By removing uncertainty, Dubai is positioning itself as a hub for projects that meet high-grade compliance standards.

In my view, this isn't about restricting growth, but about building a foundation that institutional capital can finally trust. Clarity is the ultimate catalyst for long-term adoption.

Question: Do you prefer using regulated stablecoins, or do you value the decentralization of algorithmic ones more?

#CryptoRegulation #Dubai #Stablecoins #blockchain

📊 Major Progress in the Stablecoin Economy

New data from Token Terminal highlights a major milestone: stablecoin issuers generated nearly $5 billion in revenue during 2025, powered by operational infrastructure largely built on the Ethereum network.

These numbers show that Ethereum has evolved beyond a simple settlement or transfer layer. It now functions as a core financial foundation, enabling stablecoin issuers to earn real revenue through:

Liquidity management

Reserve deployment and investment

Fee generation

On-chain DeFi activity

Importantly, the expansion of stablecoin supply on Ethereum has moved in tandem with rising quarterly revenues, pointing to a clear link between increased usage and issuer profitability.

This trend reinforces Ethereum’s role as the central backbone of the stablecoin ecosystem, emphasizing that long-term value is created at the infrastructure level—where liquidity lives—rather than solely in the stablecoin assets themselves.

#Stablecoins #Ethereum #DeFi #CryptoEconomy #BlockchainInfrastructure

🚨 SENATE DROPS MAJOR CRYPTO BILL! STABLECOINS & DEFI GET CLARITY! 🚨

⚠️ WHY THIS MATTERS: Washington is finally moving on regulation, and this draft is surprisingly balanced. It's not a ban hammer; it's a roadmap!

• Compromise reached on stablecoin rewards—protecting users without killing innovation.
👉 DeFi projects are getting specific legal protections recognizing their unique structure.
✅ This provides the legal clarity the entire industry, including $SOL, $XRP, and $BTC ecosystems, desperately needs.

The future of regulated crypto is being written NOW. Get positioned before the market reacts!

#CryptoRegulation #DeFi #Stablecoins #AlphaAlert #Blockchain

🚨 $TRX LEADS THE CHARGE! $1.4 BILLION IN STABLECOIN INFLOW IN 24 HOURS! 📈

This is not a drill. $TRX network just sucked up massive liquidity. Large players are positioning for something HUGE.

• $TRX dominance confirmed.
• $SOL and $APT seeing slight outflows—watch for potential weakness there.
• $ARB and $AVAX saw minor inflows, but they are shadows next to $TRX .

$1.4B inflow is a massive signal that big money is loading up for the next leg up. Don't fade this volume!

#TRX #Stablecoins #CryptoAlpha #DeFi

💥 Crypto Alert: Yield-Bearing Stablecoins Take Over 2025! 💰
🚀 88 NEW stablecoins launched this year – pure yield, no memes, no NFTs, no hype.
$DOLO | $DASH | $DUSK
Why traders are flocking here:
⚡ Volatility spikes
⚡ Trust in other markets fades
⚡ Tired of endless chop
Stablecoins aren’t boring anymore…
They’re the new battlefield for smart capital 💎
🔥 Watch: $DUSKUSDT Perp – the action starts here!
#Stablecoins #YieldCrypto #DOLO #DASH #DUSK