cbdc

محتاج 5 دولار فوري؟ ادخل حسابي وشوف أول منشور مُثبّت ومبروك!🔥في عالم الكريبتو اللي مليان مفاجآت، يطلّ XRP من جديد كأحد أقوى المرشحين ليكون حجر الأساس في نظام المدفوعات العالمية.
المجتمع مؤخرًا اشتعل بعد تصريحات المحلل المعروف Pumpius، اللي قدّم رؤية جريئة حول السعر المستقبلي لـ XRP إذا تحققت له السيطرة على الأسواق المالية الكبرى.
💡 من 3 دولارات إلى آلاف؟
🔹 سيناريو الدين القومي الأمريكي:
لو تم استخدام أرصدة الحجز الخاصة بـ Ripple والبالغة 35.6 مليار XRP لسداد الدين القومي الأمريكي (35 تريليون دولار)، لازم يوصل السعر إلى حوالي 983 دولارًا.
🔹 سيناريو العملات الرقمية للبنوك المركزية (CBDCs) والفوركس:
مع سوق صرف أجنبي بحجم 7.5 تريليون دولار يوميًا، يتوقع Pumpius إن سعر XRP يقفز فوق 10,000 دولار 💥.
ده معناه زيادة بنسبة 328,000% مقارنة بسعره الحالي اللي حوالي 2.97 دولار فقط.
⚡ لماذا XRP مختلف؟
سرعة البرق: التحويلات لا تستغرق أكثر من 3-5 ثوانٍ.
تكلفة شبه معدومة: رسوم زهيدة جدًا مقارنة بالأنظمة التقليدية.
سيولة عالمية: يفتح الباب لتحرير أكثر من 27 تريليون دولار من الأموال المجمدة في النظام المالي التقليدي.
🌍 تجارب حقيقية جارية
بوتان و بالاو بالفعل بيختبروا مشاريع CBDCs باستخدام تقنيات Ripple.
تجارب مشابهة في كولومبيا، الجبل الأسود و جورجيا.
ومع أي توسع إضافي… XRP ممكن يكون “عملة الجسر” اللي يربط الاقتصاد العالمي.
🔮 الخلاصة
فكرة وصول XRP إلى مستويات خيالية زي 10,000 دولار مش مجرد حلم، بل سيناريو محتمل لو تحقق تبنّي واسع النطاق في البنوك المركزية والمدفوعات الدولية.
لكن ⚠️ يفضل تذكير المتابعين إن ده مجرد تحليل ورؤية مستقبلية، مش نصيحة استثمارية.

#XRP #Ripple #CryptoNews #CBDC #blockchain

A new digital assets bill was released in Washington on Monday evening, aiming to overhaul federal restrictions that have so far prevented Federal Reserve banks from offering any digital-asset services to either individuals or institutions.
The proposal, titled the Digital Asset Market Clarity Act, was introduced by Cynthia Lummis, a member of the Senate Banking Committee and one of the most vocal advocates for crypto legislation in Congress. Lawmakers backing cryptocurrencies are seeking to amend the Federal Reserve Act to prohibit central bank digital currencies (CBDCs) from being used for monetary policy purposes.
According to Eleanor Terrett, host of the Crypto In America podcast, the bill proposes changes that would directly affect the Federal Reserve System, including limitations that would prevent banks from offering certain products or services directly to consumers.

Senate Banking Committee Adds Ethical Provisions to the Bill
A 278-page draft shared by Terrett shows that the proposal includes two new ethical provisions under the jurisdiction of the Senate Banking Committee. These provisions address convictions for serious criminal offenses and insider trading.
Sections appearing on pages 72 and 270 were initially absent from the versions that first reached Capitol Hill. Their omission was due to the fact that ethical standards are typically handled by other congressional committees and were not expected to appear in related crypto legislation released elsewhere.

A Compromise Between DeFi and Traditional Finance
The bill also introduces a compromise between decentralized finance (DeFi) and traditional financial interests, outlined in Section 601. This section is widely known as the Blockchain Regulatory Certainty Act (BRCA) and focuses on protecting software developers.
Sources familiar with the negotiations said the agreement was reached earlier this week following a series of tense private meetings held the previous week. Banking institutions and opponents of the Clarity Act, including securities industry trade groups such as SIFMA, had warned that DeFi protocols contain regulatory “gaps” that could give them an unfair advantage over traditional financial firms.
Senator Lummis wrote on X that after months of intensive work, a bipartisan text is now ready for a vote scheduled for Thursday. She urged her Democratic colleagues not to abandon the progress made, arguing that the legislation would provide the clarity needed to keep innovation in the United States while strengthening consumer protection.

The Bill Defines “Ancillary Assets” and Early-Stage Tokens
One of the bill’s central features is the introduction of “ancillary assets” and early-stage tokens. This classification applies to digital tokens issued during early fundraising phases on blockchains that later evolve into full network tokens.
While the proposal states that these assets are not securities on secondary markets, ancillary assets would be treated as “covered securities” for the purposes of federal preemption. Issuers and related parties would still be required to provide detailed disclosures during initial transactions.
Under the framework, the Securities and Exchange Commission (SEC) would require disclosures related to token offerings, governance rights, technical capabilities, and individuals associated with the token. The stated objectives are to protect investors, support capital formation, and maintain fair and orderly markets. The SEC would also oversee the listing of “privatized” tokens and police insider trading.
Section 103 expands this framework further by granting the SEC authority to create exemptions and tailored rules for transactions involving ancillary assets. Tokens sold under the new crypto regulatory regime could qualify for exemptions that override state securities laws, though the SEC would retain discretion over which transactions qualify and under what conditions.

BRCA Provides Legal Protection for Blockchain Developers
Title VI of the bill, which effectively codifies the Blockchain Regulatory Certainty Act, states that a non-controlling developer or provider of distributed ledger services shall not be considered a money-transmitting business.
This protection does not apply to developers who retain operational control over a network or protocol.
Section 602 further clarifies that the offer or sale of NFTs will not be treated as the offer or sale of a security unless all elements of an investment contract are met. NFTs may be used as collectibles, access credentials, or membership rights, and according to the Banking Committee, they do not become securities solely because their value may increase.

New Digital Assets Advisory Committee and Expanded Funding for FinCEN
The legislation also establishes a Joint Advisory Committee on Digital Assets, requiring federal agencies to formalize their cooperation through a Memorandum of Understanding.
In addition, the bill authorizes a significant increase in funding for FinCEN. From fiscal year 2026 through 2030, the agency would receive $30 million annually, along with authorization for recruitment incentives of up to 20% to attract qualified personnel.

#CBDC , #CryptoRegulation , #DigitalAssets , #USsenate , #defi

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,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“

More than sixty leading economists from universities and institutions across Europe are sounding the alarm. In an open letter addressed to the European Parliament, they warn that if the EU fails to implement a digital euro, it could lose control over a key pillar of its economy – money itself.

Foreign Dominance and Geopolitical Risks
The letter’s signatories – including renowned French economist Thomas Piketty and Professor Dirk Bezemer of the University of Groningen – emphasize that Europe's payment system is already heavily reliant on a handful of non-European companies. In 13 eurozone countries, everyday retail payments are dominated by international card networks, mostly American.
The letter highlights how access to payment systems can quickly become a geopolitical tool during crises. Without a strong digital euro, Europe’s dependency could deepen as private US-backed digital currencies expand across the continent. The only viable safeguard, economists argue, is a robust public digital euro issued by the European Central Bank (ECB).

Digital Euro: Conditions for Success
The economists call for a digital currency that:
🔹 Is available to all citizens, including those without commercial bank accounts

🔹 Functions both online and offline

🔹 Prioritizes privacy by design

🔹 Cannot be refused by merchants

🔹 Has sufficiently high holding limits to serve as a real store of value
If these conditions aren’t met, the economists warn, the project will collapse into a symbolic gesture with no real impact.

Banks Push Back – Lobbying Intensifies
However, the digital euro project faces strong resistance from major banks. Institutions such as Deutsche Bank, BNP Paribas, and ING have spoken out against it, fearing an outflow of cheap and stable retail deposits. The German banking association has also criticized the ECB’s proposal as too complex and costly, claiming it offers little benefit to consumers.
Hans Stegeman, chief economist at Triodos Bank and a key signatory, argues that banks’ opposition stems from fear of losing influence. “We want a financial system that serves society, not the other way around,” he said, emphasizing that a public digital currency is essential for a fairer and more sovereign payment infrastructure.

Europe’s Last Chance?
The letter urges the European Parliament, the Commission, and the Council to act decisively and turn the digital euro into the backbone of a sovereign European payment system. The economists warn that Europe may not get another chance to fix this.
The letter ends with a direct challenge to EU policymakers:

“In the digital age, will Europeans control their money – or will someone else control it for them?”

Notable signatories include:
Dirk Bezemer, Peter Blom, Arnoud Boot, Kristof Bosmans, Wouter Botzen, Rutger Claassen, Jézabel Couppey-Soubeyran, Paul De Grauwe, Panicos Demetriades, and Sandrine Dixson-Declève.

#digitaleuro , #ECB , #Geopolitics , #CBDC , #worldnews

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Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“

The Synergy Between $DUSK and the Digital Euro

‎As central banks explore CBDCs, @Dusk is already ahead of the curve. Their work with partners like Quantoz and NPEX has positioned $DUSK as a primary infrastructure for the Digital Euro. The privacy-first nature of #Dusk makes it the perfect candidate for handling digital fiat while maintaining the privacy levels consumers expect from cash. This institutional adoption provides a level of "fundamental floor" for $DUSK that few other altcoins can claim. When you look at the future of payments in Europe, you are looking at the technology being pioneered by the Dusk team.

‎#Dusk #CBDC #Euro #Stablecoins #FinTechInnovation

US President Donald Trump warned Republican lawmakers that a defeat in this year’s congressional midterm elections could lead to another attempt to remove him from office. According to Trump, if Democrats regain control of the House of Representatives, they would immediately look for a reason to launch impeachment proceedings.
“You have to win the midterms,” Trump told Republicans during a Tuesday address in the House. “If we don’t win, they’ll just — frankly — find a reason to impeach me. I will be impeached.”

Falling approval ratings and rising political tension
Trump’s approval rating has slipped to around 42%, with voters increasingly frustrated by rising living costs and what they see as insufficient action from the administration. The Republican base itself is also divided over Trump’s handling of sensitive issues, including controversies surrounding the Epstein files.
Polls suggest that Democrats have a strong chance of winning control of the House of Representatives. Prediction markets on Polymarket currently assign nearly an 80% probability to a Democratic victory in the House this year.
All members of the House of Representatives and one-third of the Senate will be up for election in November. Losing control of one or both chambers would significantly weaken Republicans’ ability to advance their legislative agenda during the final two years of Trump’s term.

Crypto legislation hangs in the balance
One of the Republicans’ key policy goals is the long-awaited crypto market structure bill, which aims to define regulatory oversight and clarify how digital assets will be governed in the United States. Senate Banking Committee Chairman Tim Scott has said a vote on the legislation could take place as early as next week.
As a result, the outcome of the midterms could shape not only Trump’s political future but also the trajectory of US cryptocurrency regulation.

Trump has already been impeached twice
Donald Trump was impeached twice during his first term in office. The first impeachment, in 2019, stemmed from allegations of abuse of power and obstruction of Congress related to claims that Trump pressured Ukraine ahead of the 2020 election.
The second impeachment took place in January 2021, just days before Trump left office after losing to Joe Biden, and was based on accusations that he incited an insurrection following the January 6 attack on the US Capitol.
In both cases, the Senate ultimately acquitted Trump.
According to current prediction market data, Republicans still have roughly a 67% chance of retaining control of the Senate, which would make a third impeachment difficult to carry through. However, if Democrats take the House, they could significantly disrupt Trump’s agenda and initiate new investigations.

Crypto becomes another political flashpoint
Several Democratic lawmakers, including Representative Sean Casten and Senator Jon Ossoff, have suggested that Trump’s involvement in cryptocurrency-related activities could justify impeachment. Critics point in particular to his ties to crypto projects and reports of private events held for the largest holders of his memecoin.
Opposition to Trump’s crypto stance has also emerged within his own party. Last year, a conservative faction of Republicans blocked progress on several crypto bills until a ban on central bank digital currencies (CBDCs) was included.
Although an agreement was reached to add a CBDC ban to the defense funding bill, Republican leadership ultimately passed the legislation without the CBDC prohibition. The move angered parts of the party and undermined trust in leadership promises, including commitments related to the GENIUS Act.

Bottom line
Trump’s warning underscores how high the stakes are in this year’s midterm elections. The outcome will influence not only the balance of power in Congress but also the president’s political survival, the fate of his policy agenda, and the future direction of cryptocurrency regulation in the United States.

#TRUMP , #USPolitics , #CBDC , #CryptoRegulation , #Polymarket

Stay one step ahead – follow our profile and stay informed about everything important in the world of cryptocurrencies!
Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“