The post March Deadline Missed, No New Date Given: Hong Kong’s Stablecoin Plan Hits Its First Wall appeared first on Coinpedia Fintech News

Hong Kong’s plan to roll out its first batch of stablecoin licences by the end of March has been delayed. A spokesperson from the HKMA confirmed that the process is still underway, with an official announcement expected soon. This comes despite earlier assurances from top officials like Eddie Yue and Paul Chan, who had pointed to March as the target timeline.

What Caused the Delay?

The delay doesn’t appear to be market-related. Instead, it’s likely due to a slower review process and careful regulatory approach.

Officials are taking extra time to evaluate applications, ensuring everything is aligned before launching the first set of licensed issuers. The HKMA has also stated that the process is still ongoing, with further details expected soon.

Big Players Still Leading

Despite the delay, expectations remain unchanged around who could secure the first licences. Major institutions like HSBC and Standard Chartered are still seen as frontrunners.

Hong Kong plans to issue only a limited number of licences initially, suggesting a controlled and selective rollout.

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•   ,

Why Hong Kong Is Taking It Slow

Regulators are concerned about issues like money laundering and financial instability linked to stablecoins. There are also fears of “bank run”-like scenarios if users lose confidence in reserves backing these assets.

To counter this, the HKMA is setting strict requirements around capital, reserves, and redemption, along with potentially tighter KYC rules.

Bigger Vision Still Intact

However, Hong Kong’s broader strategy remains unchanged. The city is pushing to become a global hub for digital assets and Web3 innovation.

By prioritizing strong regulation over speed, Hong Kong is aiming to build a more secure and trusted stablecoin ecosystem from the ground up.

In short, the launch may be delayed, but the direction is still firmly in place.

FAQs

The post Ripple News: RLUSD Push Drives Ripple Toward Federal Banking Charter appeared first on Coinpedia Fintech News

Ripple might be stepping into a whole new league, and this time, it’s not just about crypto hype. In a recent conversation, Ripple President Monica Long laid out how the company plans to do it and why now might be the perfect time.

From State License to Federal Ambition

Ripple’s stablecoin RLUSD didn’t launch randomly. It was introduced under a New York DFS trust license, which already puts it under strict regulatory oversight. 

RIPPLE JUST DROPPED A BOMBSHELL…

Monica Long reveals why their secret banking charter could completely CHANGE the game for $XRP and global payments.

Banks are shaking. The floodgates are about to open.

Do you see what’s coming? #XRP #Ripple #Crypto https://t.co/diYsvd4qiy pic.twitter.com/qpFDdSjM5O

— ᙢinus ᙡells (@MinusWells) March 31, 2026

Now, following the passing of the Genius Act, Ripple is aiming higher. The company is seeking a federal banking charter through the Office of the Comptroller of the Currency (OCC). This would move Ripple from a state-level regulated entity to a federally supervised one.

“With the passing of the Genius Act, we are also seeking federal regulation through the OCC, with this charter. Our plans are really just to ensure that how we manage and implement our stablecoin RLUSD is to the highest regulatory standards.”

As of now, Ripple is targeting to operate RLUSD at the highest regulatory standards possible. This isn’t about speed or expansion alone; it’s about building something institutions can fully trust.

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•   ,

No Hype—Just Scaling What Works

Interestingly, Ripple isn’t rushing to announce new features or flashy services. Instead, the focus is on steady growth. She explains that the priority right now is to expand RLUSD alongside Ripple’s existing payments business. At the same time, the company is working on integrating its recent acquisitions and making sure everything runs smoothly together.

Why This Charter Actually Matters

The OCC charter isn’t just a regulatory checkbox. According to Long, it’s something the crypto industry has been pushing for years. 

This level of oversight shows that Ripple is focused on compliance and long-term involvement in the financial system, showing credibility to banks, institutions, and regulators. That’s why the response from the industry has reportedly been positive. It adds a layer of legitimacy that crypto companies have often struggled to achieve.

A Breakout Moment for Stablecoins

Zooming out, Ripple’s bigger bet is becoming obvious.

Ripple has already processed over $70 billion and 40 million transactions, but Monica Long says the real growth is still ahead. She sees the next year as a breakout phase for stablecoin payments, with rising market interest and stronger regulation driving faster adoption.

If that happens, RLUSD and Ripple’s infrastructure could move to the center of global payments.

FAQs

The post What Does the CLARITY Act Mean for XRP in Five Specific Ways appeared first on Coinpedia Fintech News

The long delay around the CLARITY Act is finally easing. On March 20, Senators Thom Tillis and Angela Alsobrooks said a deal has been reached with White House support on stablecoin rules. The agreement bans earning passive yield on dollar-backed stablecoins but still allows rewards tied to actual use, like payments and transfers. With that sorted, the Senate Banking Committee is now aiming to move forward by late April.

Here are five reasons that could help drive XRP’s next phase of growth and shape global finance:

XRP’s Legal Status Could Be Locked In

One of the biggest impacts is XRP’s classification. The Act could cement its status as a digital commodity under U.S. law. While recent regulatory moves and the outcome of SEC v. Ripple Labs, Inc. have reduced uncertainty, turning this into law would make it permanent and far more reliable.

Institutions Finally Get the Green Light

Institutional investors have remained cautious, not because of confusion, but due to the lack of final legal backing. If the Act passes, that certainty comes directly from Congress, possibly unlocking large-scale capital inflows and boosting liquidity in XRP markets. 

Analyzing the market shift, Evernorth is already positioning itself for the big change, holding over 473 million XRP and planning to deploy it into on-chain markets, signaling a strong XRP role in the financial reset.

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•   ,

Stablecoin Rules 

The stablecoin compromise plays an important role. By clearly defining what stablecoins can and cannot do, the Act creates a safer environment for financial products. For XRP, this means stronger integration with assets like RLUSD, improving payments, settlements, and overall on-chain activity.

Clear Rules for Building Markets

The Clarity Act also introduces a structured token classification system, dividing assets into commodities, collectibles, tools, stablecoins, and securities. This gives XRP-based markets, like lending, liquidity pools, and tokenized assets, a proper legal framework, removing the uncertainty of operating in a gray zone.

U.S. Could Set the Global Standard

Since XRP is widely used in cross-border payments and tokenized finance, clear U.S. regulations could influence global markets. This could accelerate worldwide adoption and standardize how digital assets are used.

FAQs

The post How Did a Meme Coin End Up on the Same Regulatory List as Bitcoin, Ethereum and XRP? appeared first on Coinpedia Fintech News

One analyst has opened up about the recent SEC and CFTC joint classification. In the newly released framework, regulators classified 16 tokens, including Bitcoin, Ethereum, XRP, Solana, and even the surprise pick Shiba Inu, as digital commodities. According to VirtualBacon, the idea of including SHIB was simple: these tokens usually power blockchains using systems like proof-of-work or proof-of-stake. 

This discussion resurfaced because the SEC noted in February 2025 that meme coins are more like digital collectibles than traditional investments. 

They also come with features like staking, validators, and gas fees, basically the core stuff that keeps a blockchain running. So in most cases, to be called a commodity, a token needs to act like the backbone of a network. 

But going by that logic, the analyst feels something doesn’t quite add up with Shiba Inu, and that’s where things get interesting.

So, Why Is Shiba Inu Included?

Unlike most tokens on the list, Shiba Inu started as a meme coin and doesn’t have the same foundational role as major layer-1 blockchains.

However, there are possible reasons behind its inclusion. Shiba Inu has been around for a long time, similar to assets like Dogecoin, and has gone beyond its meme origins. Developments like its layer-2 ecosystem and staking features may have contributed to regulators viewing it as more than just a speculative asset. 

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Commodity or Collectible?

Despite this, the analyst argues that Shiba Inu may have been better suited for the “digital collectibles” category. This category includes assets tied to internet culture, memes, and community-driven value, areas where Shiba Inu clearly belongs.

“I honestly don’t know why Shiba Inu is not a digital collectible. Instead, it’s a digital commodity to each their own, I guess. But when you look at this list, any cryptos right now that is a layer one blockchain, that’s similar to these proof of work, proof of stake, runs smart contracts, runs DeFi, probably will fit into digital commodities.”

The mismatch shows how early and flexible this classification system still is. Not every asset fits perfectly into one box.

Having said that, the other factors that support the analyst’s logic, its price often moves on hype and endorsements, especially from Elon Musk, rather than fundamentals, which is typical for collectible-style assets.

Also, token “burns” are seen more as a marketing move to create scarcity, similar to how collectibles gain value.

FAQs

The post Pi Network News: How Active Users Are Getting More Tokens for the Same Amount of Pi appeared first on Coinpedia Fintech News

The Pi ecosystem is introducing a more structured and rewarding way to participate in token launches, and it’s not just about holding Pi anymore. Crypto user, Woody Lightyear, breaks down the Pi Launchpad, and the key idea is simpler than most think, but often misunderstood.

Deep inside, the system revolves around two separate actions: staking Pi and committing Pi. They may sound similar, but they serve very different purposes. 

What is staking and committing in Pi Network?

Staking Pi is what gives users “PiPower.” This essentially decides how many tokens a user is allowed to buy during a launch. The more Pi you stake, the higher your allocation limit.

But staking alone doesn’t get you the tokens. 

“You will get your staked Pi back after the participation window. However, the committed Pi is not returned — it is the payment you make to buy the tokens.”

To actually purchase tokens, users must commit Pi. This committed Pi is used as payment to buy tokens at the initial listing price. While staked Pi is returned after the participation window, committed Pi is spent and not refunded.

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Who Gets the Best Deal?

The real advantage comes for users who actively engage with the app they support.

According to the model, users with higher engagement scores can receive discounts on the initial listing price. This means they can buy more tokens for the same amount of Pi compared to regular participants.

For example, a standard participant might receive 10 tokens for 5 Pi, while a highly engaged user could receive 13 tokens for the same amount. The exact numbers may vary, but the advantage remains clear.

Access Is Limited to Participants

Finally, the one key takeaway stands out. If you don’t participate in the Pi Launchpad, you won’t be able to buy the token at its initial listing price at all.

In short, staking determines your access, committing enables your purchase, and engagement decides how good your deal really is.

FAQs

The post XRP $150 Price Target, Dollar Collapse and Bank Failures: Inside the Prophecy Going Viral appeared first on Coinpedia Fintech News

XRP conspiracies are never off the table.  In a recent podcast, the analyst revisits statements from Kim Clement and Brandon Biggs, hinting that XRP could play a vital role in a potential financial reset.

The 2011 “X and P” 

Kim described a mysterious asset linked to the letters “X” and “P.” He hinted at its long-term value and importance in a future system.

“Something starting with an X and it has a P in it is a very profound something that’s going to be worth investing in… I had a dream and I saw an X… and then P.”

Today, many interpret this as an early reference to XRP. With the asset trading around $1.33, its price continues to reflect shifting market sentiment, liquidity conditions, and growing institutional interest.

Crisis as the Trigger

The analysis ties Clement’s vision to current global instability, including rising oil prices and tensions in the Middle East. These factors are seen as potential catalysts for systemic financial change.

Brandon Biggs XRP prophecy update 2026 expands on this with a dramatic reset scenario:

“The dollar’s about to turn into a digital dollar… it will be worth half than what it’s worth right now… the banks all went bankrupt… all the money was seized.”

He describes a rapid transition involving bank failures, debt resets, and supply disruptions, depicting how the market is changing, and utility is coming into focus. 

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•   ,

XRP Price to hit $150?

Within this disruption, XRP is positioned as a major beneficiary. Biggs suggests that as financial systems migrate to blockchain infrastructure, digital assets could see rapid price appreciation.

“I saw some of them go to $5 quickly… some go to $10… and this was just the beginning… even targets like 150.”

The logic is simple. A higher price means better liquidity. With trillions moving daily, networks like the XRP Ledger need higher valuations to handle that scale efficiently.

Moving With Clarity

However, at the end, there are also references to Brad Garlinghouse, with claims that major deals and institutional moves toward blockchain infrastructure may already be underway, further strengthening XRP’s long-term narrative. This can be linked to the regulations, particularly the CLARITY Act breakthrough in April.

FAQs

The post Can Google Quantum AI Break Bitcoin by 2032? An Ethereum Researcher Thinks It Is Possible appeared first on Coinpedia Fintech News

Ethereum researcher Justin Drake has brought to attention two major quantum computing breakthroughs that could significantly accelerate the timeline for breaking modern cryptography.

At the center of it all is Shor’s algorithm, a quantum method capable of breaking the encryption behind Bitcoin and Ethereum.

Google and Oratomic Push the Limits

Drake described the release of two new research papers as a “monumental day” for quantum computing. Both studies improve Shor’s algorithm, a quantum method known for its ability to crack widely used encryption systems like RSA and elliptic curve cryptography, which secure networks such as Bitcoin and Ethereum.

“The algorithm runs on ~1K logical qubits for the 256-bit elliptic curve secp256k1. Due to the low circuit depth, a fast superconducting computer would recover private keys in minutes.”

The first paper, from Google Quantum AI, shows that private keys tied to blockchain signatures could potentially be recovered in minutes using around 1,000 logical qubits. The second, from startup Oratomic, suggests even greater efficiency at the hardware level, reducing the number of required physical qubits by up to 40x.

Put simply, both papers attack different parts of the problem, and together, they make quantum threats feel far more real.

Q-Day Might Not Be So Far

Interestingly, Drake now believes the chances of “Q-Day”, when quantum computers can break current cryptography, arriving by 2032, have jumped significantly.

My confidence in q-day by 2032 has shot up significantly. IMO there’s at least a 10% chance that by 2032 a quantum computer recovers a secp256k1 ECDSA private key from an exposed public key.

He estimates at least a 10% probability that a quantum system could recover a private key within that timeframe.

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Speed is the real game-changer here. Superconducting quantum machines could crack keys in minutes, while slower systems might take days, but either way, the direction is clear.

The Real Risk Isn’t Mining

One key takeaway stands out. Quantum computing is not coming for Bitcoin mining anytime soon. Instead, the real threat lies in signature security, how wallets and transactions are protected.

Drake also hinted that future breakthroughs may not even be fully disclosed, as research could face censorship or secrecy.

FAQs

The post Franklin Templeton Backs XRP While Ripple CTO Explains Why Price Rising Is a Good Thing appeared first on Coinpedia Fintech News

David Schwartz has been making the same point since 2017, and most people still get it wrong.

The Ripple CTO recently revisited a post he wrote years ago, addressing something that trips up a lot of XRP holders: the idea that a lower token price is better for payments. His answer was: It does not matter. 

If XRP is a dollar, you need a million tokens to move a million dollars. If XRP is worth a million dollars, you need one. Same cost. Different efficiency.

“The higher the price of XRP, the cheaper it is to use for payments,” he said. Fewer tokens per transaction means less liquidity tied up and a smoother settlement. Price going up does not make XRP harder to use. It actually makes it work better.

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•   ,

Then Franklin Templeton Filed With the SEC

While that old post was doing the rounds again, Franklin Templeton dropped something worth reading. Its latest 10-K filing shows XRP now sits at 5.91% of its EZPZ ETF, behind Bitcoin and Ethereum but ahead of most other altcoins.

The fee angle is just as interesting. Franklin Templeton’s product costs roughly 94% less annually than Grayscale’s XRP trust. That kind of gap tends to move money over time.

With XRP trading near $1.33, the inclusion is a signal rather than a statement. Franklin Templeton has separately described XRP as a foundational building block within diversified crypto portfolios, pointing specifically to its cross-border payment utility as the differentiating factor.

Schwartz’s argument and Franklin Templeton’s filing are landing at the same place from different directions. XRP does not become less useful as it gets more expensive. The math actually improves.

FAQs

The post CLARITY Act Update Today: U.S. Lawmakers Break Stablecoin Deadlock as Bill Moves Closer to Senate Floor appeared first on Coinpedia Fintech News

The Digital Asset Market CLARITY Act is gaining traction again after U.S. lawmakers reached a tentative deal on one of its most debated issues, stablecoin yield. This development could clear the way for the bill to move toward a Senate hearing, marking a major step toward long-awaited crypto regulation in the U.S.

According to updates shared by U.S. Senate Banking Committee members and echoed by Cynthia Lummis, a compromise on stablecoin rewards may have cleared one of the biggest hurdles holding the bill back.

At the center of the progress are Thom Tillis and Angela Alsobrooks, who have reportedly agreed “in principle” on how to handle stablecoin rewards. While the full details are still not public, this agreement addresses a major roadblock that had stalled bipartisan support.

The Stablecoin Yield Compromise

Stablecoin yield has been one of the most sensitive topics in the bill. Lawmakers have been trying to balance innovation in crypto with concerns from traditional banking systems.

The emerging compromise is expected to restrict rewards on passive stablecoin holdings. This means users may no longer earn returns simply by holding stablecoins. Banks’ concern has been that such rewards closely resemble interest on deposits, potentially drawing funds away from the traditional financial system.

Alsobrooks confirmed the progress, stating: “Sen. Tillis and I do have an agreement in principle… we’ve come a long way.” She added that the goal is to “protect innovation” while preventing “widespread deposit flight.”

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•   ,

What’s Still Unresolved

Despite the progress, the CLARITY Act crypto is not finalized. Several key issues remain under discussion, including how the bill will handle decentralized finance and concerns around illicit finance risks.

Industry stakeholders are also waiting to review the actual legislative text, which has not yet been widely circulated. Lawmakers are expected to consult with both crypto firms and banking representatives before moving forward.

Why It Matters

This moment could define the future of crypto regulation in the U.S. A finalized CLARITY Act would bring long-awaited legal clarity, especially around stablecoins and market structure.

For now, April stands as the key turning point, where policy decisions could reshape how digital assets operate across the financial system.

FAQs

The post Pi Network News: Pi Price Is Either Going to $10 or Zero, Here’s Why appeared first on Coinpedia Fintech News

Pi Network is making rounds again on crypto Twitter, and this time, it’s not about mining, controversy, or adoption; it’s about price. Amid weak liquidity and fading altcoin demand, concerns are rising over whether Pi can sustain growth without a meaningful rise in value.

Dr. Pi went deep into the analysis, arguing that price is not just a side factor but the foundation of the entire network. In his view, ignoring price while focusing only on ecosystem growth is unrealistic in today’s market environment.

Price vs Ecosystem Debate

He started his analysis with a simple question: Can Pi grow without strong price action? The analyst believes the answer is no. He points out that most users joined the space with expectations of future value, not just participation. He even admits Pi’s Kraken listing impact was overestimated, with low trading volume showing weak traction in the U.S. and Europe.

He adds Pi’s strength lies mainly in Asian markets, suggesting its global influence, and even leadership recognition, may be overstated.

Hence, if the token remains low or declines further, engagement could weaken. Fewer active users, declining node activity, and reduced community interest could follow. In his words, without financial incentives, the network risks losing its core energy.

“If the price stays low—or worse, goes to zero—enthusiasm disappears overnight. Who’s going to invest time and energy into a “$0.01 ghost coin,” he said

This concern comes at a time when Pi is showing mixed signals in the market. The token has managed to hold key support levels around $0.17, even gaining slightly despite broader macro pressure. However, ongoing mainnet migration and steady exchange inflows are testing its stability.

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Will Pi Ever Hit $10?

He further outlines a more detailed cycle. Rising prices attract attention, which brings in capital. If Pi moves toward levels like $3.14 or even $10, it could trigger institutional interest and renewed investor confidence.

As per him, that influx would likely fuel developer activity, leading to more applications and stronger utility. On the other side, rising prices create urgency among users, pushing adoption forward. Without this push, growth may remain slow with limited real-world use.

Where’s the Loophole

Beyond price, concerns are also building around the development pace. The network is still not fully operational at scale, with delays in mainnet rollout and token migration affecting user confidence. Moreover, the capital is moving toward more established assets. 

Traditional instruments like stocks and commodities are increasingly being tokenized, drawing liquidity away from altcoins.

What stands out is that price and network growth move together, not separately. This trend has already played out with assets like Bitcoin and Solana, where strong rallies helped drive adoption.

“Only with a strong price can Pi step into the mainstream—as a real medium of exchange, a cross-border asset, a Web3 gateway. Otherwise, it’s just another niche “mobile mining app,” he added.

FAQs

The post Why CORE Token Crashed 50% in 24 Hours? appeared first on Coinpedia Fintech News

The native token CORE of Core DAO crashed, losing around 50% of its value within 24 hours. According to the official statement from Core DAO, the drop was triggered by a series of large sell orders that hit the market in a short span.

These heavy sell-offs created intense downward pressure, which quickly spilled into the lending ecosystem. The result was a rapid liquidation cascade on Colend, a protocol tied to the Core ecosystem.

How the Liquidation Cascade Unfolded

The team explained that once prices started falling, leveraged positions on Colend dropped to required collateral levels. This forced automatic liquidations, accelerating the decline further.

As more positions were liquidated, selling pressure increased, creating a feedback loop. The protocol itself functioned as designed, meaning the crash wasn’t caused by a technical failure but by market dynamics.

According to the team, most of these positions have now been cleared, and only limited exposure remains in the system.

Team Response and Stabilization Efforts

Following the crash, the Core Foundation and the Colend team stepped in to stabilize the situation. They confirmed they are actively monitoring the market and working to maintain orderly operations. Their message shows that this was a “market-driven event,” not a structural issue with the protocol.

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Analysts Point to Market Pattern

Crypto analyst MOON JEFF framed the event as part of a recurring cycle rather than an isolated failure. He compared the situation to last year’s Mantra crash, suggesting that sudden collapses like this tend to repeat across different projects. His view implies the drop may be less about CORE itself and more about broader market structure, where leverage, liquidity gaps, and timing often trigger similar cascades.

Rug Pull Concerns Surface

On the other side, an X user raised serious concerns about transparency and possible insider activity. He questioned whether the CORE team could have played a role, pointing to the token’s extreme drop from around $7 to near-zero levels.

He also highlighted two red flags: the project locking its comment section shortly after addressing the crash, and reports that a large holder, possibly a whale, dumped around 2.8 million CORE tokens. 

On-Chain Data Fuels Speculation

Meanwhile, another on-chain observer added more detail by identifying a wallet that allegedly sold nearly 3 million CORE tokens. According to his analysis, the wallet has since reduced its holdings to almost nothing, reinforcing the narrative that a single large seller may have triggered the cascade.

This aligns with the core team’s explanation that “large market sells” sparked forced liquidations on lending protocols like Colend, though the identity and intent of the seller remain unclear.

FAQs

The post CLARITY Act News: Senate Markup Set for April As Coinbase Fights to Save $1.35 Billion in Revenue appeared first on Coinpedia Fintech News

The CLARITY Act is moving again, and this time the timeline looks real. A recent update reveals that the CLARITY Act is all set to make headlines again, with Coinbase hinting at a possible Senate markup in the second half of April and potential passage by May. 

According to Coinbase’s internal market view, lawmakers had already reached an agreement in principle on March 20, followed by a new compromise on March 24 that proposes banning passive stablecoin yield while still allowing limited, activity-based rewards.

The Stablecoin Flashpoint

The biggest sticking point is stablecoin yield. The latest proposal aims to ban passive rewards, meaning users won’t earn just by holding stablecoins. However, it still allows limited incentives tied to actual usage, like payments.

This isn’t a small tweak. In 2025, Coinbase and Circle generated around $2.75 billion from reserves backing USDC. Coinbase’s share alone was roughly $1.35 billion, close to one-fifth of its total revenue.

If passive yield disappears, that revenue stream takes a direct hit.

Coinbase’s Stand

Moreover, Coinbase isn’t opposing the entire bill. It supports clearer rules for DeFi, developer protections, and a defined split between regulators. The issue is the wording around yield.

Chief Legal Officer Paul Grewal has warned that vague language today could give future regulators too much power to reinterpret rules. The company is now working on a coordinated counterproposal to keep reward models viable while still aligning with regulation.

“My memory is a little better than to trust future rogue regulators to faithfully apply the law.” Grewal

This also ties into Coinbase’s broader model. The platform takes a sizable cut from staking rewards, around 35% on major assets, showing how central yield-based income is to its business.

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•   ,

Power Struggle Behind the Scenes

Tensions are not just regulatory; they’re also institutional. Jamie Dimon and Brian Armstrong have reportedly clashed over stablecoin economics, even as both firms maintain a working partnership.

On the policy side, White House adviser Patrick Witt has made the urgency clear: move now or risk losing the window entirely.

What This Means for the Market

The outcome directly affects users. If broader reward structures remain, stablecoins could continue offering 4–5% returns, keeping liquidity strong. If restrictions tighten, incentives shrink, and capital could shift back toward traditional systems.

Overall, the full draft is expected soon, and the next few weeks will decide everything. This isn’t just another bill; it’s a turning point that will shape how crypto operates in the U.S., from user rewards to billion-dollar revenue models.

FAQs

The post Ethereum Is Inflationary Again, and 59% of Traders Think It Will Lose Number Two Spot in 2026 appeared first on Coinpedia Fintech News

Ethereum is closing March around $2000, still under pressure after a rough quarter. 

Data from CryptoRank shows ETH ended Q1 2026 down 32.8%, despite a small 1.3% bounce in March. 

The drop came from a mix of market forces hitting at once:

The AI Proxy Trap (February Meltdown)

First, Ethereum started behaving like a tech stock. Its correlation with the Nasdaq jumped to 0.82 during February, meaning when tech corrected, ETH fell even harder. Investors treated it as a high-risk “AI proxy” rather than a core crypto asset.

The $3,000 → $1,473 Liquidation Cascade

Second, a massive liquidation event made things worse. Once ETH lost the $3,000 level, over $5.4 billion in leveraged positions were wiped out. This triggered forced selling, pushing the price down rapidly to a low near $1,473. With liquidity already thin, the fall became sharper than expected.

The “Inflationary” Identity Crisis

Ethereum’s own upgrades also played a role. Improvements like EIP-4844 reduced fees and made the network more efficient, but they also cut the burn rate. For 42 days in Q1, ETH supply actually increased.

This weakened the “ultrasound money” perspective that many investors relied on, reducing confidence at higher price levels.

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Geo-Politics in the Mix

Global conditions added another layer. Rising oil prices and inflation fears pushed markets into a defensive mode. Capital moved into traditional assets like gold, while crypto saw reduced inflows.

For the first time in years, Ethereum’s “digital asset” narrative failed to compete with real-world commodities.

How Low Can ETH Go and What About April?

As per Coindcx prediction, short-term projections hint the ETH Price could drop toward $1,900 if support breaks. On the upside, reclaiming $2,120 could open a move toward $2,200. On the top, Polymarket, traders now see a more than 59% chance that Ethereum could lose its No. 2 spot in 2026, up sharply from just 17% at the start of the year.

For April, expectations remain low. ETH is likely to trade between $1,900 and $2,250. A break above $2,250 would signal strength, while failure to hold $1,900 could extend the downside.

FAQs

The post Ripple CEO Traces Crypto From Rat Poison to Pet Rock, Says CLARITY Act Will Decide if Wall Street Goes All In appeared first on Coinpedia Fintech News

The digital asset sector is entering a more mature phase as global firms explore blockchain tools for payments and financial operations. What was once dismissed is now being assessed for real-world use, particularly in areas such as stablecoins and tokenized assets.

Speaking at the Future Investment Initiative alongside Maria Bartiromo, Brad Garlinghouse summed up this evolution, calling how crypto moved from being called “rat poison” to a “pet rock,” and now toward becoming a core part of financial infrastructure.

Why Garlinghouse Framed It This Way

Garlinghouse’s comment reflects how sentiment has shifted across different stages. Early criticism came from traditional finance figures who saw no value. That later turned into mockery during speculative cycles. Today, the focus has moved toward utility.

Large corporations are now actively asking whether to integrate stablecoins and digital assets into their systems. This marks a move from ignoring the sector to evaluating its role in payments, treasury management, and cross-border transactions.

Regulation: The Deciding Factor

Garlinghouse also spoke about regulation, noting that upcoming laws like the CLARITY Act will play a major role. He said the industry needs clear rules to move forward, while warning against policies driven by politics rather than long-term growth.

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•   ,

He stressed the importance of consistent policy, saying the industry cannot afford another period of regulatory uncertainty. According to him, clear legal frameworks would encourage major financial institutions to increase involvement in the space.

Draft proposals linked to the bill, including limits on stablecoin yield products, show how policymakers are trying to balance innovation with financial safeguards. While some incentive models may remain, passive income-style offerings could face restrictions.

Stablecoins Driving Real Adoption

Garlinghouse showcased stablecoins vital for adoption. He noted that executives at large firms are already directing teams to explore their use. With trading volume surpassing $33 trillion in 2025 and projections pointing to rapid growth, stablecoins are becoming central to blockchain-based finance.

Meanwhile, Ripple has already positioned itself within this trend, launching its own stablecoin RLUSD and focusing on partnerships with financial institutions. He said this strategy is delivering results, with the firm expecting strong performance, as proved by earlier expansions.

FAQs

The post Clarity Act Crypto Debate Intensifies as DeFi Developer Protections Face Scrutiny appeared first on Coinpedia Fintech News

U.S. Senator Cynthia Lummis said the CLARITY Act will deliver the strongest protections yet for DeFi developers, pushing back against concerns that the bill could expose them to legal risk. She noted recent bipartisan updates to Title 3 aim to fix those issues.

Although the updated draft is not yet public, she maintains that its passage is essential to secure these protections. She urged support for the bill, pushing back against claims by analyst Jake Chervinsky that the draft could still impose KYC rules on non-custodial developers.

Title 3 Raises Red Flags

While Chervinsky cheered Lummis’ support for the Clarity Act, he showed his concern, pointing to risks within Title 3, which focuses on illicit finance provisions, practically calling it “non-negotiable for DeFi”. He argues the wording could still lead to non-custodial developers being treated as money transmitters, even if they do not handle user funds.

Such a classification could impose compliance requirements like KYC, something Chervinsky says would be damaging for DeFi. He stressed that ensuring developers are not miscategorized remains a critical issue.

Tension With Existing Framework

Mostly, the discussions are around how these provisions align with the Blockchain Regulatory Certainty Act (BRCA), introduced by Lummis and Senator Ron Wyden. The BRCA is designed to clarify that developers and infrastructure providers should not fall under financial institution rules if they lack control over assets. 

“The biggest challenge is ensuring non-custodial software developers aren’t misclassified as money transmitters.” Chervinsky 

Earlier drafts included these protections alongside self-custody provisions. However, the addition of new language has raised concerns that these safeguards may not hold up in practice, creating uncertainty for developers.

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•   ,

The issue has gained urgency following recent legal actions in the U.S., including the 2025 conviction of Roman Storm. The case highlighted how developers can face liability tied to how their software is used, intensifying calls for clearer boundaries.

Bill Still Being Negotiated

The CLARITY Act remains under review as lawmakers continue discussions. A planned Senate Banking Committee markup was postponed to allow more negotiation.

At the same time, disagreements over stablecoin provisions, particularly those affecting bank deposits, have added another layer to the debate. With multiple points still unsettled, the final version of the bill is yet to take shape.

FAQs

The post Bhutan Sells Bitcoin, Dumps $120M Worth of BTC in 2026 appeared first on Coinpedia Fintech News

The Royal Government of Bhutan has been gradually reducing its Bitcoin holdings, but recent activity shows the pace is picking up. According to Arkham Intelligence, the country has net sold around $120 million worth of BTC in 2026 so far, cutting its holdings by roughly 1,700 Bitcoin.

The latest move came on March 27, when 123.7 BTC, worth about $8.5 million, was transferred from a primary wallet to a new address. This follows a familiar pattern, where Bhutan typically breaks sales into smaller $5–10 million batches rather than executing large single transactions.

Bhutan Bitcoin Holdings: March Brings Bigger Transfers

Arkham reports that Bhutan has moved about $158.57 million worth of Bitcoin out of its wallets in 2026, while receiving $38.84 million back, resulting in a net outflow of roughly $120 million, likely directed to exchanges, market makers, or firms such as QCP Capital.

While earlier activity remained controlled, March marked a clear shift. On March 26 alone, Bhutan moved 519.7 BTC, part of a series of larger transfers that have accelerated in recent weeks.

Overall figures show about $158.5 million in Bitcoin has been moved out this year, with roughly $38.8 million flowing back in. That leaves a net outflow of around $120 million sent to exchanges, market makers, and trading firms such as QCP Capital.

This trend has significantly reduced Bhutan’s holdings, dropping from a peak near 13,000 BTC to around 4,453 BTC.

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A Pattern of Controlled Liquidation

The selling pattern is also important. Bhutan typically doesn’t dump large amounts at once. Instead, it sells in smaller chunks of $5–10 million to avoid crashing the market. However, the transfer activity has picked up recently, suggesting the pace of selling is increasing.

Notably, January and February saw smaller transfers, including 184 BTC, 100 BTC sent to QCP Capital, and even a $1.5 million USDT movement to Binance.

By March, however, the pattern shifted. Transactions increased in size, ranging between $35 million and $45 million, including notable outflows of $72 million and $36.7 million in recent weeks.

Despite the growing scale, the strategy still avoids sudden market shocks by spreading activity across multiple transfers.

So, Is Bhutan Leaving Mining? 

Not exactly. Mining likely continues, but at lower profitability. Online reactions have remained grounded. Discussions on Reddit suggest most participants view the sales as a simple liquidity move rather than a calculated market move.

Many believe Bhutan is converting Bitcoin into cash for practical needs, rather than attempting to time price movements. Some questioned whether the timing was ideal, while others pointed out that buyers likely absorbed the supply at discounted levels.

Debates also touched on Bitcoin’s usability in real-world transactions, but the broader takeaway was clear: this is seen as routine selling, not a turning point for the market.

FAQs

The post Bitcoin ETF Fees Comparison: Why Morgan Stanley is Going Cheaper appeared first on Coinpedia Fintech News

Morgan Stanley’s proposed 0.14% fee is lower than competitors like BlackRock and Grayscale. Lower fees matter because they attract investors, but that’s only part of the strategy. By offering the cheapest option, Morgan Stanley makes it easier for its advisors to recommend their own product rather than sending clients’ money to other firms.

How Morgan Stanley advisors could drive Bitcoin demand

The bank has around 16,000 financial advisors managing trillions in client assets. That’s where the real impact lies. The firm suggests clients allocate 0% to 4% of their portfolio to crypto. Even a small move can drive huge inflows.

“Morgan Stanley Wealth Management oversees about $8 trillion in AUM and recommends a 0–4% Bitcoin allocation. Even a 2% allocation would mean $160 billion, nearly three times the size of IBIT. $MSBT: Monster Bitcoin.” — Phong Le, President, Strategy

That’s significantly larger than the combined current size of many Bitcoin ETFs. Instead of investors choosing Bitcoin on their own, advisors could now guide that decision at scale.The real impact comes from Morgan Stanley’s wealth business.

Crypto investment strategy: Bringing Bitcoin in-house

Until now, Morgan Stanley clients have mostly accessed Bitcoin through third-party products. With MSBT, that changes.

The bank is building a full crypto setup that includes:

• Custody support from Coinbase and BNY Mellon
• Plans for trading and staking services
• Integration with its E*TRADE platform

This means clients can get Bitcoin exposure without leaving the Morgan Stanley ecosystem.

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•   ,

What this means for Bitcoin and institutional investors

This move shows how much Wall Street’s view on Bitcoin has changed.

A few years ago, many big banks were unsure about crypto. Now, they are building products, infrastructure, and long-term strategies around it.

Morgan Stanley’s ETF could:

• Bring in steady, long-term capital
• Make Bitcoin a regular part of investment portfolios
• Increase competition among ETF providers

Banks like JPMorgan Chase and Goldman Sachs are also expanding into crypto, which shows this is part of a larger shift.

FAQs

The post U.S. Lawmakers Name Ripple in Push to Overhaul $93 Trillion ACH Network appeared first on Coinpedia Fintech News

Ripple was mentioned during a recent U.S. House Financial Services Committee hearing, bringing blockchain-based payments into focus at the policy level.

During the session “Innovation at the Speed of Markets,” Representative Sam Liccardo questioned Randall Guynn, Director at the Federal Reserve Division of Supervision and Regulation, on whether they are moving quickly enough to modernize payment systems, citing Ripple as a real-world example of faster and cheaper transaction technology.

Lawmakers Push for Faster Payment Systems

The discussion focused on improving the Automated Clearing House (ACH) network, which handles payroll, bill payments, and business transfers across the U.S. 

Liccardo pointed to industry-backed ideas, saying: “We’ve heard that from Intuit and from Ripple… the idea of imposing pre-funding of ACH transactions.”

His remarks show that there is growing pressure on regulators to adopt solutions that reduce delays and improve efficiency.

Ripple’s Fed Proposal Gains Attention

Ripple’s mention in Congress links back to its February 2026 proposal to the Federal Reserve. The company suggested introducing pre-funded ACH accounts for stablecoin issuers like RLUSD.

This model requires issuers to hold full reserves before processing transactions, allowing near-instant settlement while removing counterparty risk. It also reduces reliance on traditional banking intermediaries.

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•   ,

$93 Trillion Market at Stake

The ACH network remains one of the largest payment systems globally, processing around $93 trillion in transactions in 2025, including over $61 trillion in credit payments.

Even a small change toward blockchain-based rails could move notable volume on-chain, which is why lawmakers are increasingly focused on upgrading the system.

Ripple was not alone in the discussion. Companies like Visa and Intuit also contributed ideas. Suggestions included pre-funding requirements, transaction limits, and stronger monitoring tools to reduce risk and improve settlement speed. 

What This Means for Crypto Adoption

Overall, Ripple’s mention in a congressional hearing signals growing interest in blockchain solutions within traditional finance. As regulators explore ways to improve payment infrastructure, proposals like pre-funded ACH and stablecoin integration could play a larger role in shaping the future of U.S. payments.

FAQs

The post Elizabeth Warren Probes Trump-Linked Bitmain Deal Over National Security Risks appeared first on Coinpedia Fintech News

U.S. Senator Elizabeth Warren has raised concerns about Bitmain, one of the biggest producers of Bitcoin mining machines. As per a Bloomberg report, in a letter to Commerce Secretary Howard Lutnick, she asked for details on any investigations into the company and whether its equipment could pose national security risks.

She also requested information on any communication between Bitmain, the Commerce Department, and members of the Trump family.

Scrutiny Over Links Between Bitmain and Trump Family

The spotlight intensified after a major deal involving American Bitcoin Corp, backed by Donald Trump’s son. The company purchased 16,000 mining machines from Bitmain for $314 million last year.

Lawmakers are now examining whether such large purchases of foreign-made equipment could create risks, especially when used in large-scale mining operations.

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Operation Red Sunset and Federal Security Investigation

The connection goes deep into the federal probe known as Operation Red Sunset, which looked into whether mining machines could be remotely accessed for surveillance or used to disrupt power systems.

Moreover, the earlier findings had already raised alarms. In 2024, Bitmain equipment used near a U.S. military base was flagged as a potential risk. A 2025 Senate Intelligence Committee report also highlighted possible vulnerabilities and the chance of tampering in such hardware.

On the flip side, a user noted that Jeffrey Epstein had reportedly viewed Bitmain with suspicion and chose not to invest in the company.

Bitmain Responds, Debate Continues

Bitmain has denied the claims, saying the allegations are inaccurate and that it complies with all laws. Meanwhile, American Bitcoin Corp stated that its own security checks found no issues with the machines.

At the same time, lawmakers continue pushing for more transparency and clearer answers on how such equipment is being used.

Growing scrutiny could lead to tighter oversight of crypto mining hardware, especially when it involves foreign manufacturers. Discussions around infrastructure security are also picking up, with more focus on where mining equipment comes from and how it operates within the U.S.

FAQs

The post XRP Sees $35M Bot-Driven Buying as Whales Stay Divided appeared first on Coinpedia Fintech News

XRP is showing mixed signals from large investors in early 2026, as fresh buying meets ongoing selling pressure. The latest move, a rapid $35 million purchase executed through an automated trading bot, has added a new dimension to an already divided market.

Algorithmic Buying Spree Quietly Accumulates Massive XRP Position

An unidentified entity accumulated more than $35 million in XRP in less than an hour using a sophisticated algorithmic trading bot strategy. The system executed 156 identical buy orders of 10,000 XRP each, placing trades every 18.5 seconds across multiple platforms, including Coinbase, Bitstamp, and Kraken.

Rather than placing one large order, the strategy distributed purchases across exchanges to minimize price impact and avoid slippage. Coinbase alone handled over $23 million of the total volume, with similar activity mirrored on other platforms.

Market analyst Dom noted the unusual precision, saying this kind of execution is rarely seen and likely designed to build a large position quietly. Data also showed a sudden surge in buy volume, with Coinbase flipping from negative to strong positive territory within minutes, followed by similar moves on Kraken and Bitstamp.

Despite this aggressive accumulation, XRP continued to trade near $1.32, slipping on the day even as volume jumped.

XRP Whales Show Mixed Behavior

This bot-driven XRP whale activity comes as whale behavior remains divided. On one side, wallets holding between 100,000 and 100 million XRP added more than 110 million tokens in March, reflecting confidence at current levels.

On the other side, selling continues. Since January, around 3.8 billion XRP has moved to exchanges like Binance, pointing to profit-taking or reduced exposure by some large holders.

This back-and-forth has kept XRP trading within a narrow range between $1.30 and $1.50, limiting upside despite steady activity.

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•   ,

XRP Stays in Consolidation Phase

Wider data still shows interest from institutions and traders. Expectations around a potential XRP ETF remain high on prediction platforms, while long-term accumulation trends suggest ongoing positioning by major players.

However, with many holders still in the loss and signals from whales remaining mixed, the market lacks a clear direction. For now, XRP appears to be in a consolidation phase, with accumulation and distribution taking place simultaneously.

Reactions were mixed, with some traders questioning why such a large buy didn’t move the price higher, pointing to low sell-side liquidity. Analyst Dom responded that market makers likely absorbed the demand, keeping the price stable.

Others flagged calculation errors, but Dom clarified that the visible trades were just a pattern, while most of the $35M buy used smaller orders via a TWAP strategy. Some remained skeptical about its impact, saying much larger volumes are needed for a bullish change, while a few made speculative claims about timing cycles.

FAQs

The post Garlinghouse Reveals Ripple’s $70 Billion Crypto Balance With XRP Escrow Not Included appeared first on Coinpedia Fintech News

Ripple is holding between $60 billion and $70 billion in crypto assets, along with about $4 billion in cash, according to CEO Brad Garlinghouse. In a recent interview at the FII Priority Miami conference, he clarified that XRP held in escrow by Ripple is not included in this figure, suggesting additional reserves beyond the reported balance sheet.

This level of holdings places Ripple among the strongest players in the digital asset space, especially as it expands its institutional offerings.

RLUSD Wasn’t a Sudden Move

Garlinghouse said the decision to launch RLUSD was tied directly to Ripple’s payments operations. The company has processed more than $100 billion in cross-border transactions and was responsible for minting about 20% of the USDC supply at one point.

That experience pushed Ripple to build its own solution. 

As he put it, “If we’re the number one minter on the network, why don’t we look at actually doing this ourselves?”

The shift gained urgency after the USDC de-peg during the Silicon Valley Bank collapse, which raised concerns around backing and reliability. RLUSD is positioned as a compliance-focused stablecoin aimed at institutional use.

Was it worth it?

Not everyone is convinced. Some X users argue that RLUSD’s growth, which reportedly reached a $1.5 billion market cap, may be drawing attention away from XRP. They also point to XRP’s price decline from its 2025 highs and ongoing token unlocks as concerns, while others say institutions may prefer stablecoins for settlement instead of using XRP for liquidity.

More Players Entering the Market

In the competition, Garlinghouse made it clear that more players are entering the space. Large institutions like banks are actively exploring launching their own stablecoins, which could lead to short-term expansion.

However, he doesn’t see endless growth in the number of coins. “We don’t need 50 U.S. dollar stablecoins,” he said, warning that too many options could create fragmentation similar to early banking systems.

Over time, he expects consolidation, where a few strong players dominate and specialize in different areas like payments or custody.

Moving with Clarity..

Regulatory progress is influencing the market’s direction. Garlinghouse pointed to recent U.S. efforts, including the GENIUS Act, as a factor behind growing corporate interest in stablecoins.

He also noted improving coordination between regulators, including the SEC and CFTC, which recently aligned on classifying several digital assets. Discussions around additional legislation, including the CLARITY Act, are ongoing, with debates focused on issues such as yield on stablecoins.

Stablecoins Move Toward Mainstream Use

Ripple sees stablecoins becoming a core part of financial systems rather than a niche product. As Garlinghouse stated, 

“The stablecoin payment wave is happening, and it’s going to happen fast.”

With strong reserves and rising institutional interest, Ripple is positioning itself as stablecoins see wider adoption.

FAQs

The post Cardano’s Charles Hoskinson Calls Midnight ‘Next-Gen Crypto,’ Investor Asks: Sell ADA? appeared first on Coinpedia Fintech News

Charles Hoskinson has sparked fresh buzz around Midnight after calling it a “next-generation cryptocurrency,” as the project continues to gain traction.

The attention comes after Midnight secured a major deal with UK-based digital bank Monument to tokenize £250 million in customer deposits. The move marks a milestone, as it’s the first time a UK-regulated bank will tokenize deposits on a public blockchain while keeping them protected and interest-bearing.

Hoskinson Explains the “Next-Gen” Angle

Hoskinson pointed out Midnight’s unique tokenomics, noting that protocol revenue can be used to buy and recycle its NIGHT token into the treasury. This, he says, creates a sustainable model while keeping supply deflationary.

He also pointed to its “capacity exchange” mechanism, calling it a key innovation that sets Midnight apart. “Midnight is leading the way… the tip of the spear,” he said, focusing on its role in bringing real-world assets onto blockchain rails.

Where Does Cardano Fit In?

On the other hand, Midnight has raised concerns about Cardano’s role. However, Hoskinson clarified that Cardano remains deeply integrated into the infrastructure.

According to him, most commercial deals involving Midnight will still include a Cardano component, meaning both networks are expected to benefit together rather than compete. Midnight also relies on Cardano for security, reinforcing that connection.

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Investors Doubt ADA’s Future

Though it is seen as a positive move, this sudden shift has triggered doubts among some investors. Questions like “Should I sell ADA and move to NIGHT?” have started circulating online.

This comes at a time when ADA is still far below its previous highs, and Cardano’s DeFi remains smaller compared to rivals. However, not all sentiment is negative, as some community members see Midnight as exactly the kind of push the ecosystem needs.

Whale Activity Tells a Mixed Story

On-chain data shows a split among large holders. Some mid-sized whales have reduced their positions, while larger wallets have accumulated roughly 270 million ADA in recent days.

This shows that while some investors are uncertain, others are buying the dip, potentially providing support if accumulation continues.

On the flip side, Midnight’s early success, especially with institutional partnerships, could act as a catalyst for Cardano rather than a replacement. If adoption grows, it may bring more activity, liquidity, and real-world use cases into the broader ecosystem.

For now, Midnight is driving the narrative, but ADA’s role remains tied to how well this expansion plays out.

FAQs

The post Trump to Appear on US Dollar Bills in Historic First for Sitting President appeared first on Coinpedia Fintech News

The U.S. government is set to make a historic change to its paper money. President Donald Trump’s signature will soon appear on U.S. currency, marking the first time a sitting president’s name is printed on dollar bills.

The move is part of celebrations for America’s 250th anniversary and is expected to begin with the $100 bill starting in June 2026.

A 165-Year Tradition Ends

The update also breaks a long-standing tradition. Since 1861, U.S. currency has always carried the signatures of both the Treasury Secretary and the U.S. Treasurer. With this redesign, the Treasurer’s signature will be removed entirely.

This means the new notes will feature only Trump’s signature alongside that of Treasury Secretary Scott Bessent. The current Treasurer, Brandon Beach, will not have his name printed on currency, making him the first in the role to miss that distinction in over a century.

Treasury Secretary Bessent said, “There is no more powerful way to recognize the historic achievements of our great country and President Donald J. Trump than U.S. dollar bills bearing his name.”

Rollout Begins With $100 Bills

The first redesigned $100 notes will be printed in June, and more denominations are expected to follow over time. However, it may take a few weeks before these new bills fully enter circulation through banks.

Existing currency with earlier signatures will remain valid and continue to circulate alongside the new notes.

This decision is part of a wider effort to associate Trump’s name with national symbols and institutions. Recent moves have included proposals for coins, buildings, and other federal projects linked to his presidency.

Supporters say the change reflects strong economic performance during his term. Officials have described it as a symbolic way to mark both the country’s milestone anniversary and Trump’s leadership.

Rules and Limits Still Apply

While the signature is changing, most elements of U.S. currency will remain the same. Laws still require key features like “In God We Trust,” and only deceased individuals can appear in portraits on bills.

So, apart from the signature update, the overall design of the currency will stay unchanged.

The post David Sacks Steps Down: Has the Clarity Act Lost Its Most Powerful Ally? appeared first on Coinpedia Fintech News

David Sacks has stepped down from his role as the White House’s AI and crypto czar after his term as a Special Government Employee expired. 

“We’ve accomplished a lot in the first year, but the President wants to keep the pedal to the metal on everything tech. That’s exactly what we will do,” Sackssaid.

Behind the Scenes

Despite stepping down from the czar role, Sacks is not fully stepping away from policy discussions. He is expected to continue as co-chair of the President’s Council of Advisors on Science and Technology (PCAST), a position that could still allow him to influence crypto and AI-related decisions at a broader level.

Eleanor Terrett said she has reached out to both the White House and Sacks for further clarification on his future involvement, but no official response has been confirmed yet.

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Mixed Signals Before the Exit

The development comes shortly after earlier statements hinted that Sacks would remain actively involved. During an appearance tied to EthereumDenver, White House Crypto Council Executive Director Patrick Witt said that Sacks showed “no indication of wanting to step back” and was continuing work at full pace.

However, in a more recent update, Sacks confirmed to Bloomberg that his role as crypto czar has concluded.

Sacks’ exit comes as several important crypto initiatives remain unfinished. These include the widely discussed Clarity Act, aimed at defining regulatory boundaries for digital assets, and proposals such as a Strategic Bitcoin Reserve.

At the moment, it remains unclear whether the White House will appoint a new crypto lead or distribute responsibilities across existing agencies and advisors.

FAQs

The post Ripple News: 25% of 351 Surveyed Institutions Add XRP in 2026 appeared first on Coinpedia Fintech News

The crypto market has faced a prolonged slowdown since late 2025, with total valuations dropping by nearly $1.45 trillion. XRP has mirrored this trend, falling close to 51% during the same period, highlighting the broader weakness across altcoins.

Yet institutional behavior tells a different story. Rather than exiting, large investors are repositioning and preparing for future opportunities. A recent survey by Coinbase reveals that 25% of institutions are planning to add XRP to their portfolios in 2026, pointing to renewed confidence at lower levels.

Institutions Lean In, Not Out

The January 2026 study, conducted with Ernst & Young, surveyed 351 institutional investors, most managing assets above $1 billion. The findings show a clear pattern: participation remains strong, but strategies are changing.

Around 73% of respondents intend to increase their crypto exposure this year. Meanwhile, 29% expect digital assets to account for more than 5% of their portfolios, a notable rise from 18% previously. Although sentiment has softened, most institutions still expect the market to recover over the next year.

At the same time, there is a visible move toward regulated access. Nearly two-thirds now use ETFs or ETPs, while over 80% prefer structured, compliant investment routes. 

XRP Allocation Finds Its Place in Portfolios

XRP is becoming an important part of institutional allocations. While Bitcoin continues to lead, investors are expanding into other assets beyond Bitcoin and Ethereum.

Currently, 18% of institutions already hold XRP, while 25% plan to add it this year. Interestingly, XRP has been attracting growing institutional capital, with reports of around $154 million exposure from Goldman Sachs and notable investors like Andy Schectman allocating nearly 10% of holdings. This reflects a calculated bet rather than speculation, driven by the view that increased bank adoption could unlock strong upside, while limited adoption may cap growth. 

This places XRP alongside major altcoins like Solana, BNB, and Cardano in institutional consideration.

XRP Current Sentiment

Meanwhile, XRP volatility has dropped to its lowest level in 2026, with data shared by analyst Xaif Crypto showing a 30-day realized volatility at multi-month lows while price holds steady around $1.43. The analyst suggests this is not a bearish signal but a buildup phase, where supply and demand are balanced before a major move. 

Historically, such low-volatility periods have preceded sharp breakouts, meaning a strong move, up or down, could be near, with the volatility shift acting as a key trigger.

The post Pi Network News: Referral Rewards Are Finally Moving to Mainnet, But There Is One Condition  appeared first on Coinpedia Fintech News

Pi Network has officially started rolling out its Second Migration Phase after Pi Day 2026, allowing users to transfer additional balances to the mainnet. This follows the initial migration stage and opens the door for deeper participation in the ecosystem.

So far, more than 119,000 users have finished this phase, showing steady progress as access expands gradually across the network.

What Second Migrations Actually Do

This phase allows users who have already completed their first transfer to move remaining eligible balances. Unlike earlier, this now includes referral mining rewards, which were not fully processed before.

These rewards are tied to referral team activity, but there’s a key condition. Only bonuses linked to members who pass KYC can be moved. As a result, a user’s final transferable balance depends on how many of their referrals are verified.

Why Referral Rewards Matter Now

Referral bonuses are calculated across individual mining sessions and vary from user to user. Because of this, they require more detailed computation compared to standard mining rewards.

This is why the rollout took longer. The system must verify each reward based on activity and KYC status before recording it on-chain. Any unverified referral still holds back a portion of earnings until they complete verification.

What’s Different in This Phase

The second migration introduces more complex backend processing and stricter checks. At the same time, security has been strengthened, with users required to complete wallet two-factor authentication before any transfer. Since blockchain transactions cannot be reversed, this step ensures funds are protected.

Despite this update, first migrations remain the priority. Users still waiting for their initial transfer are not affected, and processing continues alongside the new rollout.

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Expanding Use Cases for Pi

This phase arrives as the ecosystem continues to grow. Features like the Pi Launchpad on testnet and new app integrations are increasing how Pi can be used, moving beyond simple mining toward real utility.

Community Reaction

The update has drawn mixed responses. Some users have raised concerns about KYC issues, especially cases where accounts that completed the first migration were moved back to tentative status, blocking access to second migration rewards.

At the same time, others see this as steady progress. Many view the rollout as a meaningful step that rewards long-term participation while maintaining a controlled and careful approach.

FAQs

The post Court Throws Out Crypto Developer’s Case and Hands Him a DOJ Memo Instead of Real Legal Protection appeared first on Coinpedia Fintech News

A U.S. court in Texas has dismissed a lawsuit filed by crypto developer Michael Lewellen, who was seeking legal clarity for his blockchain-based software. The case was thrown out by Reed O’Connor, who ruled that Lewellen failed to show a credible and imminent threat of prosecution.

Lewellen had asked the court to confirm that his Ethereum-based tool, Pharos, designed for charitable crowdfunding, would not violate money transmission laws. Reacting to the decision, he expressed disappointment, arguing that developers are still left without real legal certainty.

“A non-binding DoJ memo is no substitute for real legal certainty.”

In an X post, Lewellen maintained that his software does not control user funds and simply acts as a neutral tool, similar to an envelope used to send checks. Based on this, he argued it should not be regulated like services such as Western Union or Venmo.

His position was backed by major crypto advocacy groups, who warned that unclear legal definitions could stifle innovation across decentralized finance.

Court Relies on DOJ Memo, Critics Push Back

However, in its decision, the court leaned on a U.S. Department of Justice memo suggesting prosecutors would avoid targeting crypto platforms for users’ actions or unintended violations.

However, critics were quick to challenge this reasoning. Crypto analyst and critic, Peter Van Valkenburgh, argued that such memos are not legally binding and can be revised or revoked at any time. He stressed that they do not offer real protection to developers.

Lewellen shared a similar concern, stating that a non-binding memo cannot replace clear legal rules. Critics say the court effectively used a temporary policy as justification to avoid providing lasting judicial clarity.

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•   ,

Past Cases Raise Concerns

Skepticism also stems from recent enforcement actions. Developers linked to Tornado Cash and Samourai Wallet faced prosecution and prison sentences for operating unlicensed money transmitting businesses.

Although Judge O’Connor distinguished those cases, highlighting their alleged links to money laundering, critics argue the outcomes show that developers still face real risks despite policy signals from regulators.

Industry Reaction: “Missed Opportunity”

The ruling has drawn strong reactions from across the crypto space. Policy voices like Jonathan Schmalfeld called the decision a “hugely disappointing result,” arguing that if current guidance were truly protective, ongoing cases like that of Roman Storm would not exist.

“Whether through market structure or elsewhere, developer protections MUST be codified into law.”

Many believe the court missed a key opportunity to define the legal boundaries for developers, leaving them in uncertainty.

FAQs

The post Clarity Act News Today: Senate Has 6 Weeks to Pass Crypto Law or Delay Until 2027 appeared first on Coinpedia Fintech News

The U.S. crypto industry is at a turning point. The CLARITY Act is moving closer to a Senate vote, and the next six weeks could decide whether crypto finally gets a proper legal framework or gets pushed to the back of the queue until 2027.

Congress recently held a four-hour hearing on tokenization, bringing together key voices from across the industry to debate what the CLARITY Act actually means and why the May deadline carries so much weight. Analyst VirtualBacon has since laid out a clear roadmap of what to expect in the weeks ahead.

Here is what is happening, why it matters, and where things could go from here.

Clarity Act status: Clarity or No Clarity?

The CLARITY Act is trying to do something the U.S. has never done before: draw a clear line between digital commodities like Bitcoin, Ethereum, and Solana, and securities.

The bill has already passed the House with broad support and has White House backing. At its core, it hands the CFTC exclusive authority over digital commodities while introducing a concept called the “mature blockchain.” This means a token can launch under SEC oversight and, as its network becomes more decentralised over time, graduate into being treated as a commodity instead. It is a framework built around how crypto actually works, rather than forcing it into rules written decades before blockchain existed.

Importantly, analyst VirtualBacon was clear that this is not deregulation. The bill sets real, enforceable rules for exchanges, brokers, and custodians. It requires proper risk disclosures, permits blockchain-based recordkeeping, and overrides conflicting state-level laws that have created a patchwork of confusion across the country.

Racing Against the Senate Clock

The pressing challenge, however, is time. The Senate Banking Committee markup, scheduled between April 13-20, is the single make-or-break event. If it doesn’t pass, the crypto bill misses the narrow May window for floor votes and reconciliation before the Memorial Day recess, and the next chance would be 2027. Analysts like Alex Thorn warn that delays at this stage would effectively kill the bill for this session.

Stablecoins and DeFi in the Spotlight

However, stablecoin yield has been the main flashpoint. The compromise bans passive yield but allows activity-based rewards. The market reacted immediately: Circle dropped 20% and Coinbase 10%. Meanwhile, the treatment of DeFi protocols, especially lending and staking, remains unresolved, leaving a cloud of uncertainty.

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Rare Unity in Tokenization Talks

A recent four-hour hearing brought Wall Street players and crypto developers together in unprecedented agreement. Both sides agreed that tokenized securities should follow existing rules and that blockchain will play a key role in modernizing markets.

Echoing the same, BlackRock CEO Larry Fink said in his annual shareholder letter that tokenization could “update the plumbing of the financial system.”

Watching the Next Six Weeks

Analyst concludes that April’s Senate markup is the crucial moment. If it passes, the bill could move quickly toward full implementation. If not, the U.S. crypto space faces a long wait. For investors and projects alike, the next month-and-a-half may well define the future of digital assets in America.

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The post XRP Fees Suddenly Spike: Ripple CTO Explains What’s Happening appeared first on Coinpedia Fintech News

The XRP Ledger has recently seen an increase in transaction fees as network activity climbed close to 200 transactions per ledger, a level rarely reached in its history. This surge in usage pushed the network closer to its limits, resulting in higher fees and increased load, which drew criticism from users.

Addressing the concerns, Ripple CTO David Schwartz explained that such fee spikes are a normal response when demand rises beyond what the network can handle efficiently.

Why Fees Rise Without Warning

According to Schwartz, XRP fees are designed to increase when transaction demand slightly exceeds capacity. Having said that, even a small overflow beyond key levels, like the 200 transactions per ledger range, can cause fees to jump quickly.

This happens because the system prioritizes stability. Instead of allowing congestion to build, it raises fees to limit excess transactions and ensure the network continues to function smoothly. 

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How the XRP Fee Mechanism Works

He further detailed that validators independently estimate how many transactions can fit into a ledger based on recent performance. They then apply an exponential fee curve, where costs rise rapidly once demand crosses a certain threshold.

The final clearing fee is not controlled by a single entity. Validators collectively determine it, typically requiring a majority agreement, and in some cases up to 80% consensus, depending on network conditions.

Transactions that do not meet the required fee are placed in a queue and prioritized based on the fee offered, ensuring that higher-value transactions are processed first.

What Happens During Network Stress

When the network begins to slow down, such as when consensus rounds stretch to around 12 seconds, validators take additional steps to stabilize performance. They reduce the number of transactions allowed per ledger and adjust the fee curve accordingly.

This means higher fees are required earlier, helping to manage congestion and bring the system back to normal operation.

Overall, the recent XRP fee spike shows how sensitive the network is to sudden increases in demand. As Schwartz explains, these changes are part of a built-in mechanism designed to protect performance. As the demand grows, similar fee movements may appear during periods of high activity.

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The post Smart Contracts, Tokens, and a May Deadline: Pi Network’s 2026 Roadmap Is Here appeared first on Coinpedia Fintech News

Pi Network has officially announced completion dates for its node protocol upgrades, marking a crucial phase in the project’s path toward greater stability, performance, and future functionality. According to a recent post by crypto user Woody Lightyear, the team revealed a clear schedule for key protocol versions, culminating in the long‑anticipated v23.0 upgrade.

Upgrade Timeline Set for 2026

Pi Network has mapped out its protocol progression with the following milestones:

• April 6, 2026 – Completion of v21.2 update
• April 22, 2026 – Completion of v22.1 update
• May 18, 2026 – Final rollout of v23.0 upgrade

What the v23 Upgrade Means

The movement toward protocol version 23 marks one of Pi Network’s most significant core updates yet, representing a shift from the older v19 series through multiple intermediate versions. The upgrade is a mandatory, step‑by‑step process for all node operators, emphasizing coordination and consensus across the entire ecosystem.

Moreover, this upgrade is not merely an incremental patch but a substantial improvement in performance, security, and readiness for broader Web3 functionality. Nodes that fail to follow the required sequence may risk falling out of sync with the network or losing validation privileges.

Why Incremental Upgrades Matter

Pi Network’s sequential upgrade model prioritizes stability. In short, upgrading from one version to the next, rather than skipping steps, helps ensure that each technical layer functions correctly before moving forward. This reduces the risk of fragmentation or incompatibility within the network.

Nodes play a main role in maintaining the blockchain. They validate transactions, maintain consensus, and support network reliability. As such, these upgrades are seen as essential improvements that will enhance transaction handling, node communication, and overall system robustness as the ecosystem expands.

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Community Reaction

Early community feedback shows excitement and anticipation. Many Pi users on Reddit believe that completing the final v23 upgrade could unlock greater participation, better performance, and expanded utility for Pi applications in the long term. Others note that clear deadlines help set expectations and guide node operators on what to prepare for in the months ahead. The community noted that the structured transition underscores the project’s methodical approach to upgrading its blockchain infrastructure rather than rushing into changes without thorough testing.

Some even asked what the updates actually mean, while others explained that each protocol version will bring new blockchain features. The Pi testnet is already running v23, which introduced tokens, leading to speculation that Pi Network could launch tokens on the mainnet as early as June.

As Pi Network progresses through this upgrade path, all eyes will be on how these changes impact scalability and the network’s readiness for broader Web3 adoption.

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