cryptoregulation

Bank of America CEO Warns $6 Trillion In Deposits At Risk From Interest-Bearing Stablecoins

Bank of America CEO Brian Moynihan has warned that if stablecoin issuers are permitted to pay interest, up to $6 trillion in deposits could leave the U.S. banking system. This potential shift, representing about 30% to 35% of all U.S. commercial bank deposits, could significantly reduce the capacity for banks to lend and thereby increase borrowing costs, especially for small and mid-sized businesses.

Key Insights
Comparison to Money Market Funds: Moynihan explained that stablecoins often function similarly to money market mutual funds, investing reserves in safe, short-term instruments like U.S. Treasuries rather than using them for traditional bank lending.

Legislative Debate: The warning comes amid an ongoing debate in the U.S. Senate regarding a crypto market structure bill. A provision in the current draft aims to prevent stablecoin issuers from paying interest on idle balances to protect the traditional banking system.

Industry Response: The banking industry is lobbying heavily for restrictions on stablecoin yields. Conversely, some crypto firms, including Coinbase, have opposed certain provisions in the bill, arguing that activity-based rewards should be permitted.

Bank of America's Position: Despite the warning about systemic risk, Moynihan stated that Bank of America itself would adapt to customer demand and offer stablecoin products if regulations allow, though he believes the broader banking system would be impacted.

#BankOfAmerica #BrianMoynihan #Stablecoins #BankingCrisis #CryptoRegulation

⚠️ Crypto Bill STALLED: Senate Delays CLARITY Act Amid Coinbase Revolt! 📉

US Senate Banking Committee abruptly postponed the markup of the landmark CLARITY Act on January 15, 2026, extending regulatory fog over digital assets.
Coinbase CEO Brian Armstrong withdrew support, slamming yield limits on stablecoins and restrictions on tokenized equities as "worse than the status quo".

Delay Causes: > Chairman Tim Scott cited unresolved issues regarding SEC-CFTC jurisdiction and DeFi exemptions. Industry experts like Matt Hogan note this is a "significant setback" but argue that bills often "die seven times" before passing.

Market Impact: > $BTC dipped temporarily on the news, but many remain bullish on a refined Q3 2026 passage.

👇 What do you think?

Is Brian Armstrong right to block a "bad bill," or do we need clarity NOW at any cost?

#CryptoRegulation #CLARITYAct #Binance #Bitcoin #MarketRebound
$ETH
$XRP

🚨 BREAKING: Ripple CEO Brad Garlinghouse says crypto is SAVING America 🇺🇸

This isn’t hype — this is policy + infrastructure signaling.

When the CEO of Ripple talks about crypto saving the U.S. financial system, what he’s really pointing to is this 👇

🔹 Faster settlement

🔹 Lower costs

🔹 Global liquidity

🔹 Regulated blockchain rails

And right at the center of that conversation? $XRP .

Why this matters:

• Regulatory clarity is finally forming

• Institutions need compliant, scalable rails

• Cross-border payments are broken — XRP fixes that

Utility + regulation + institutional adoption

That’s not a meme formula — that’s infrastructure economics.

💡 If XRP is positioned as critical financial plumbing,

then a $10 XRP isn’t moon talk — it’s valuation math catching up.

Smart money doesn’t wait for headlines.

They position before the system flips.

$XRP

#xrp #Ripple #CryptoRegulation #mmszcryptominingcommunity #CryptoNews

⚠️ CRYPTO MARKET STRUCTURE BILL (CLARITY ACT) HITS MAJOR DELAY ⚠️
🔹 The U.S. Senate Banking Committee just postponed its scheduled vote on the long-awaited crypto market structure legislation—at the last minute—due to deep divisions between the crypto industry and traditional banks.
🔹 Crypto firms are pushing back hard against the revised draft, which heavily favors banks. A big flashpoint: restrictions preventing stablecoins from paying yield/interest directly to holders.
🔹 Why it matters: Banks rely on deposits for massive profits (e.g., JPMorgan Chase reported ~$95B in net interest income in 2025). Allowing stablecoins to offer competitive yields could pull cash out of banks and erode their core revenue model.
🔹 The tipping point? Coinbase CEO Brian Armstrong publicly withdrew support, stating the current version is worse than no bill at all—highlighting issues like DeFi restrictions, tokenized equities limits, and more. This led directly to the vote being pulled.
🔹 The bill isn’t dead—it’s only delayed. Negotiations will continue after the Senate break, with hopes of finding common ground.
🔹 Bottom line: This isn’t really about protecting users—it’s a power struggle over who controls the flow of money between legacy banks and the crypto ecosystem.
#Stablecoins #CryptoRegulation #Bitcoin #Web3 #defi

Russia’s State Duma has introduced a draft bill to regulate crypto use for both retail and institutional investors. The proposal, unveiled on January 13, 2026, aims to removes crypto from “special financial regulation” and integrates it to everyday financial activities such as investing, property division, and payments. Users will be allowed to purchase approved cryptocurrencies through licensed exchanges, brokers, or depositories, but only after passing a mandatory risk‑awareness test. Annual investment will be capped at 300,000 rubles (about $3,800), while qualified investors will have broader access without caps but must undergo advanced risk testing.

The bill also permits businesses and institutions to use crypto for cross‑border settlements, a move seen as critical under ongoing sanctions. Major Russian stock exchanges, including Moscow and St. Petersburg, are preparing to launch crypto trading platforms once the legislation is enacted. Debate is scheduled for spring 2026, with potential implementation by July 1, 2026.

#CryptoNews #RussiaCrypto #Bitcoin #RetailInvestors #CryptoRegulation

🚨 BREAKING: SOUTH KOREA LEGALIZES TOKENIZED SECURITIES 🇰🇷🔥
This is not a pilot.
This is not a sandbox.
This is full legal recognition of tokenized real-world assets.
South Korea’s parliament has officially approved new legislation allowing stocks, bonds, and real estate to be tokenized on blockchain infrastructure — and traded through licensed brokerages with fractional ownership fully enabled. Implementation begins in 2027, giving institutions time to build at scale.
This is a historic shift.
South Korea is now laying the foundation for a $249 BILLION tokenized RWA market, signaling that TradFi and DeFi are no longer competing — they’re converging.
🔑 What changed • Tokenized securities now have legal status
• Blockchain-based assets can be traded via regulated brokers
• Fractional ownership becomes mainstream, not experimental
• Institutional capital gets regulatory clarity
This matters because South Korea isn’t a fringe market. It’s one of Asia’s most advanced financial systems, home to global banks, tech giants, and some of the world’s most active retail investors. When Korea moves, Asia pays attention.
Tokenization unlocks liquidity trapped in traditionally illiquid assets like real estate and private securities. It lowers barriers to entry, expands access for retail investors, and dramatically improves settlement efficiency — all while remaining compliant.
💡 Bigger picture This isn’t about crypto speculation.
It’s about financial infrastructure upgrade.
As regulation clears, capital follows.
The RWA narrative is no longer hype — it’s becoming law.
🧠 Key takeaway:
Tokenization just crossed from “future potential” into legal reality.
TradFi 🤝 DeFi is no longer theory.
It’s policy.
#RWA #Tokenization #DeFi #TradFi #Blockchain #Web3 #CryptoRegulation

🚨 RIPPLE CEO SPOTTING ALPHA IN CPI DATA! 🚨

⚠️ WHY THIS MATTERS:
• $XRP CEO Brad Garlinghouse sees massive implications in recent CPI data.
• Financial service fees dropped 3.5% for US consumers!
• Garlinghouse hints this is due to pro-crypto policies from the Administration. Clarity is coming!
• He also calls Senator Tim Scott's market structure proposal a "massive step forward." Clarity beats chaos!
• $XRP just snagged an EMI license in Luxembourg! Massive regulatory win in the EU.

This is institutional validation building in real-time. The groundwork is being laid for mass adoption. Get ready for the framework!

#CryptoRegulation #Ripple #XRP #DeFi #MarketStructure

🇪🇺 BREAKING: Binance Secures Full MiCA Compliance! The Institutional Era Begins.

The news is official. The uncertainty is over.
Binance has successfully secured its full Crypto-Asset Service Provider (CASP) license under the European Union’s MiCA framework. 📜✅
​Why is this the most important news of 2026?
For years, the market feared "regulatory crackdowns." Today, we flipped the script. MiCA isn't just a license; it's a bridge to the traditional banking world.
​🔍 The Breakdown:
1️⃣ Institutional Floodgates: With this license, major European pension funds and banks can now legally partner with Binance for custody and liquidity. The "smart money" was waiting for this green light.
2️⃣ Euro Stablecoins Return: We can expect a massive resurgence of fully compliant Euro-backed stablecoins, boosting liquidity for EUR pairs.
3️⃣ End of FUD: This cements Binance's status as a regulated, transparent global entity.
​💥 Market Impact:
$BNB is already reacting, pushing against resistance. If we hold this level, the next target is purely psychological: $850 and beyond.
​The bear market arguments are dead. Europe is open for business. 🐂
Are you loading up on BNB or Euro pairs right now? Let’s talk strategy below! 👇

#MiCA #CryptoRegulation #BNB #massAdoption #TrendingTopic

JUST IN: 🇧🇾 Belarus Takes a Big Step Forward in Crypto! 🚀
$BTC | $SOL | $DEXE

President Alexander Lukashenko has signed Decree No. 19 "On Crypto Banks and Certain Issues of Control in the Sphere of Digital Tokens" on January 16, 2026.

This officially establishes the legal status of crypto banks in Belarus, special joint-stock companies that can:

- Operate as residents of the High-Tech Park (HTP)
- Be registered with the National Bank
- Combine traditional banking, payments & financial services with digital token (crypto) operations.

Under dual regulation (National Bank + HTP), this creates a regulated bridge between fiat and crypto, positioning Belarus as a stronger player in financial IT and blockchain innovation. 💡

A move that could attract more institutional interest and solidify the country's pro-crypto stance in the region.

What do you think, will we see more countries follow with hybrid crypto-traditional banking models? 🌍

#Belarus #CryptoBanksInHand #CryptoRegulation #Bitcoin

NCAA DEMANDS CFTC SHUTDOWN PREDICTION MARKETS NOW $BTC

NCAA President Charlie Baker has officially demanded the CFTC suspend all college sports prediction markets. The reason: rampant harassment of student athletes and the enticement of young people into harmful speculation. This is a massive regulatory crackdown. Protection for athletes is paramount. Stricter age limits, anti-harassment measures, and better monitoring are demanded. Despite this, platforms like Kalshi and Polymarket are seeing surging volumes. Regulators are moving fast. Don't get caught off guard.

This is not financial advice.

#CryptoRegulation #PredictionMarkets #FOMO #CFTC 🚨

🔥 CRYPTO REGULATION BREAKING: Is the U.S. FINALLY About to Get Clarity? 🔥

Despite a last-minute setback, lawmakers say the landmark crypto bill is “closer than ever.” 👀⚖️
Here’s what’s really happening 👇

🏛️ Senate Banking Committee paused — but didn’t quit
An all-day markup was postponed, yet negotiations are still alive behind closed doors.

⚖️ SEC vs CFTC showdown continues
The bill aims to split crypto oversight between the Securities and Exchange Commission and the Commodity Futures Trading Commission — a once-in-a-generation rewrite of U.S. market structure.

🏦 Coinbase pulls support — pressure rises
CEO concerns over stablecoin yields and SEC authority triggered the delay… but also forced real negotiations.

🗣️ Lawmakers stay bullish
“Closer than ever,” says Senator Cynthia Lummis 🇺🇸
Confidence echoed across the committee despite the pause.

⏸️ Strategic pause, not a failure
Analysts call this a reset to build bipartisan momentum — and possibly avoid a broken law rushed through politics.

⏳ The clock is ticking
Midterm elections loom. Delay too long, and crypto clarity could slip into 2027.

🚨 Why this matters?
✔️ Legal certainty for builders
✔️ U.S. competitiveness vs EU & Asia
✔️ Stablecoin rules that shape global finance
✔️ The biggest financial-market overhaul since 2008

💬 Your take:
Is this the breakthrough moment for U.S. crypto regulation… or just another Washington delay? 👇🔥 #CryptoRegulation

$TRX

$DOLO

$M

🚨 IMPORTANT NEWS — CRYPTO REGULATION ADVANCES IN THE U.S. 🇺🇸⚖️

$FRAX $DASH $DOLO
The White House expects the Senate to advance the cryptocurrency market structure bill TODAY, a key step toward real and functional regulation of the sector in the United States.

📌 Why this truly matters:
• Clear rules for tokens, exchanges, and stablecoins
• End to years of regulatory uncertainty and regulation via lawsuits
• Full opening to institutional capital that had been on hold
• Banks, funds, and corporations can now scale their exposure
• Lower legal risk → lower cost of capital → accelerated adoption
👀 Markets almost never value regulatory certainty before it's official.

This is not hype.
It's infrastructure, clarity, and legitimacy.

⚡ Cryptocurrencies are moving beyond speculation...

and entering the phase of the financial system.
#CryptoRegulation #USPolicy #BreakingNews #CryptoMarket #InstitutionalAdoption

🚀 CRYPTO BREAKTHROUGH IN THE MAKING 💥
U.S. Senators are signaling real momentum on the crypto bill.

🔥 Cynthia Lummis says lawmakers are “closer than ever” as bipartisan talks intensify.
⚡ Bill Hagerty adds confidence is high — a consensus bill could land very soon.

Markets are watching. The clock is ticking.

FOLLOW KEVLI FOR MORE INTERESTING INFORMATION 🎯 🌿
#CryptoRegulation #BitcoinNews #BlockchainPolicy #DigitalAssets
#WriteToEarnUpgrade

$DCR
$SUI
$FRAX

🚀 Crypto Market Update: January 16, 2026The crypto market is navigating a complex landscape today as a mix of regulatory delays and major institutional moves creates a "wait-and-see" sentiment among traders.
📉 Market Sentiment & Price Action
Bitcoin ($BTC
): Currently trading around $95,200, down roughly 2.5% over the last 24 hours. This follows a minor "cool-off" period after hitting mid-January highs, though it remains up nearly 9% year-to-date.
Ethereum ($ETH
): Holding steady near $3,310. Despite the broader market dip, ETH is showing resilience, supported by its dominance in DeFi and the ongoing rollout of the U.S. regulatory framework.
Altcoin Spotlight: Terra Luna Classic ($LUNC
) is a trending topic today as Terraform Labs (TFL) officially dissolves as a legal entity. This marks a "liberation era" for the community-led chain, with a 70% bullish sentiment on Binance Square.
🏛️ Regulatory Heat: The "Clarity Act" Delay
The big headline today is the postponement of the U.S. Senate debate on the Clarity Act. The vote was delayed after Coinbase CEO Brian Armstrong voiced strong opposition, citing concerns that the bill could erode the authority of the CFTC and harm stablecoin reward programs.
Why it matters: This legislative framework is seen as the "holy grail" for institutional onboarding. Any delay adds to short-term uncertainty but suggests the industry is pushing for higher-quality regulation rather than a rushed bill.
💰 Institutional Inflows
Despite the price dip, institutional interest remains high:
iShares Bitcoin ETP (IB1T): New securities are being admitted to the London Stock Exchange today, expanding access for European investors.
Indonesia’s Rise: A new report highlights Indonesia as a Top 10 global crypto market, with 19 million active users now operating under the full supervision of the Financial Services Authority (OJK).#Bitcoin #Ethereum #CryptoNews #BinanceSquare #LUNC #CryptoRegulation

🚨 SENATE REIGNITES CRYPTO MARKET STRUCTURE BILL TOMORROW! 🇺🇸📜

This is the catalyst we've been waiting for. Regulatory clarity is the key that unlocks the next massive leg up for the entire sector. Don't sleep on this development.

• Focus is back on $FOGO, $FHE, and $BTR.
👉 Major institutional interest hinges on this legislation.
✅ Prepare for volatility as discussions heat up.

#CryptoRegulation #Bitcoin #MarketStructure #AlphaAlert

The Senate Banking Committee hit pause on the crypto market structure bill Thursday after Coinbase's Armstrong publicly said they can't support it anymore.

The draft language effectively bans tokenized equities, restricts DeFi surveillance, and removes stablecoin rewards — three things directly tied to Coinbase's future revenue streams. Robinhood's Tenev chimed in too, pointing out they can't offer staking in four states or tokenized stocks domestically while their EU users already have access.

What's interesting is the timing. Both stocks dropped hard — COIN down 6.5%, HOOD down 7.8% — but the real damage might be longer-term. Kalshi odds for passage before 2027 collapsed from 93% to 49% in weeks. The companies wanted clarity, but now they're back in enforcement limbo with no timeline. That uncertainty costs more than a bad bill for some investors.

#CryptoRegulation #coin #HOOD #TokenizedAssets #CLARITYAct

🚨 Pressure is rising in Washington as U.S. lawmakers move closer to finalizing crypto regulations.

Senator Cynthia Lummis made it clear that the digital asset industry needs action now, not more delays. Clear rules could unlock innovation, attract institutional capital, and give builders and investors the certainty they have been waiting for.
The next moves from Congress may shape the future of crypto in the U.S. and beyond. Eyes are on lawmakers to deliver real regulatory clarity.

$BTC

#CryptoRegulation #USCrypto #DigitalAssets #BlockchainPolicy #CryptoNewsFlash