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Is Bank Of America Currently Running Tests With Ripple’s XRP? Here’s What We Know
Crypto pundit X Finance Bull has alleged that the Bank of America (BofA) is running tests for cross-border payments using Ripple-linked XRP. This follows an earlier statement from Ripple’s President, Monica Long, about the bank and the potential adoption of crypto.
Crypto Pundit Alleges That Bank of America Is Using Ripple’s XRPIn an X post, X Finance Bull claimed that the Bank of America is already running tests with Ripple and that cross-border payments are being rewritten. He added that Ripple provides the technology, the bank runs the tests, and the U.S. ensures legality. In line with this, he remarked that XRP is becoming the core financial plumbing.
In a video shared by crypto pundit Xaif last year, Ripple President Monica Long had mentioned that Bank of America was one of their early partners when they were developing the messaging software online payment solution. However, she didn’t say whether the partnership still exists till now.
Bank of America notably filed a patent for real-time net settlement using a distributed ledger system, which appeared to be based on Ripple’s payment network. This plan has since been abandoned as the bank never moved forward with the application. The bank has, however, opened up to crypto as it now allows its wealth clients to allocate up to 4% to crypto. The bank is also exploring issuing its stablecoin, which could make it a direct competitor to Ripple.
Meanwhile, Long also mentioned how several banks had contacted Ripple for payments and custody services after Donald Trump won the U.S. presidential elections. Ripple’s CEO, Brad Garlinghouse, had also previously mentioned that they secured more partnerships following Trump’s victory, as the U.S. president paved the way for a more regulatory-friendly environment.
Ripple’s Major Existing Banking PartnersRipple has notably secured partnerships with other major banking institutions in recent times, as several nations provide a more regulatory-friendly environment. The crypto firm has partnered with Bank of New York Mellon (BNY), which is the largest custodian. The bank serves as the primary reserve custodian of Ripple’s RLUSD stablecoin.
Furthermore, Ripple recently announced that its Ripple Prime is an early adopter of BNY’s tokenized deposit services for institutional clients. These tokenized deposits operate on the bank’s private blockchain and don’t involve the XRP Ledger or XRP. Other major banks such as AMINA Bank, Absa, and SBI have also partnered with Ripple.
AMINA recently became the first European bank to integrate Ripple payments into its operations. SBI has also adopted Ripple payments. Meanwhile, the crypto firm provides custody services to Absa, one of South Africa’s largest banks.
At the time of writing, the XRP price is trading at around $2.10, down over 3% in the last 24 hours, according to data from CoinMarketCap.
House Democrats Push SEC Chair To Resume Crypto Enforcement Actions
In a critical week for the cryptocurrency industry, following the delayed markup of the Crypto Market Structure bill (CLARITY Act), House Democrats are calling on the Securities and Exchange Commission (SEC) chair, Paul Atkins, to reinstate enforcement actions against crypto firms.
The letter, dated January 15, was signed by Representatives Maxine Waters, Sean Casten, and Brad Sherman, who expressed concerns regarding the SEC’s recent retreat to investigate and prosecute alleged violations related to “digital asset securities.”
House Democrats’ AllegationsThe representatives highlighted that since January 2025, the SEC has dismissed or closed more than a dozen cases involving crypto-related activities, including litigations against major players like Binance, Coinbase, and Kraken. Just this week, the SEC also closed its case against the Zcash Foundation.
In their letter, the lawmakers alleged that given the industry’s “troubling history of harming investors,” the SEC’s decision to pull back raises serious questions about its priorities and effectiveness. They warned that this shift puts both investors and the broader US economy at considerable risk.
Moreover, the representatives highlighted unprecedented lobbying and monetary contributions to political figures, including President Trump and his associates, from the digital asset sector. They pointed out that this could have influenced the SEC’s decision to abandon a majority of its crypto enforcement actions.
Alleged Conflicts Of Interest Between Trump And CryptoThese concerns follows months of allegations from the Democratic Party suggesting conflicts of interest between the Trump administration and the crypto industry, particularly highlighted by last year’s pardon for former Binance CEO Changpeng Zhao (CZ) and connections to the Trump-affiliated World Liberty Financial (WLFI).
According to the lawmakers, the SEC’s choice to walk away from these enforcement cases has raised suspicions of a possible pay-to-play dynamic. They argued that allowing violators of securities laws to escape without repercussions contradicts the SEC’s primary responsibility.
Furthermore, the Representatives claim that recent statements by Chair Atkins, who said that ‘most crypto tokens are not securities’, have caused confusion.
The Democrats further pointed out that this lack of enforcement against digital assets leaves investors “vulnerable” and allegedly fails to protect them from potential violations in the market.
Featured image from DALL-E, chart from TradingView.com
Crypto Regulation Rift Widens As Republicans Reject Market Structure Bill
A planned Senate Banking Committee legislation markup has been postponed, as Coinbase CEO Brian Armstrong has withdrawn his support for a market structure bill which seeks to codify federal regulations over crypto, stablecoins, and DeFi markets.
Based on reports, this unexpected withdrawal sharpened existing tensions between senators on debates of this bill and lawmakers who were trying to revamp critical phrases.
Republicans’ Concerns In OversightThe Republicans in the Senate, under the leadership of Sen. Tim Scott, have strongly countered. They have expressed reservations about whether it is intended to help ordinary investors or just a few companies.
While some representatives expressed their concerns that broad oversight authority could stymie growth in addition to proposed net yields for stablecoins, reports have indicated that Republicans want more defined enforcement authority in opposition to broad regulatory language.
Crypto builders need clear rules of the road.
Over the past five years, Republicans, Democrats, and the Trump Administration have worked closely with members across the crypto industry to protect decentralization, support developers, and give entrepreneurs a fair shot.
At its…
— Chris Dixon (@cdixon) January 15, 2026
Bitcoin Unfazed By The StandoffDespite the confusion, crypto prices remained firm. Bitcoin held its ground and climbed 1.5%. The top crypto asset retained its grip on the $96,000 level, while other top cryptocurrencies like Ethereum and USDT likewise notched similar gains in the last 24 hours, based on the latest market tracking figures.
Meanwhile, investors followed speeches and congress sessions. Market volatility heightened. Some investors opted to go to the sideline position as lobbyists and exchanges sought to shape the draft that will come next.
After reviewing the Senate Banking draft text over the last 48hrs, Coinbase unfortunately can’t support the bill as written.
There are too many issues, including:
– A defacto ban on tokenized equities – DeFi prohibitions, giving the government unlimited access to your financial…
— Brian Armstrong (@brian_armstrong) January 14, 2026
As a response to the new draft bill issued by the Senate, several industry representatives vocally objected to its provisions and expressed their belief that it could have a negative impact on tokenized equities and Decentralized Finance.
In fact, there are enough concerns in the blockchain sector raised by Armstrong, that he stated he would prefer to see no bill than see a bad bill passed, indicating that even some members of his industry agree with Republican concerns regarding possible overreach by Congress.
These industry groups said they will likely withdraw their support unless the Senate makes the necessary changes to allow for continued innovation and cross-border competition regarding blockchain technology.
Negotiations Continue To Take Place Behind Closed DoorsSome Senate leaders still want to move toward a committee vote, even though disagreement remains deep. Republican and Democratic legislators are currently negotiating or trading potential amendments on issues such as stablecoin legislation, DeFi protections and investor protections in an effort to reach an agreement on an acceptable version of the bill by both parties.
Democrats have identified a need to address regulatory issues regarding ethics, potential Money Laundering, and DeFi over-regulation as top priorities. On the other side of the aisle, the Republican Party continues to push for legislation that clearly defines the guardrails for federal regulators regarding blockchains.
As a result of ongoing negotiations, there is currently no set timeline for a Senate floor vote on the new legislation.
Featured image from Unsplash, chart from TradingView
Crypto Goes Davos: Ripple And Hedera Step Into WEF Week
Ripple CEO Brad Garlinghouse is slated to appear on a World Economic Forum (WEF) panel on tokenization during Davos 2026, while Hedera says it will sponsor and participate in a slate of senior-level events running alongside the annual gathering. The WEF Annual Meeting 2026 is scheduled for Jan. 19–23 in Davos-Klosters.
Ripple Joins WEF Davos Tokenization PanelGarlinghouse is once again listed among the public speakers for a WEF session titled “Is Tokenization the Future?” set for Jan. 21 (10:15–11:00 CET). The panel also lists Coinbase CEO Brian Armstrong, Standard Chartered CEO Bill Winters, ECB Governor François Villeroy de Galhau, Eurazeo CEO Valérie Urbain, and moderator Karen Tso.
The session framing is explicitly market-structure oriented, positioning tokenization as something moving beyond pilots and into mainstream financial rails. In the WEF description, organizers write: “Asset tokenization is accelerating quickly, moving from early experiments to full deployment across major asset classes. As adoption expands, it promises new ways for individuals to invest while presenting traditional firms and emerging innovators with complex new dynamics.”
A separate thread of Ripple’s Davos presence may run through “USA House,” a privately organized venue that typically operates in parallel with the official WEF perimeter. Venue materials list Ripple among sponsors of USA House for Davos 2026.
Hedera Brings EcoGuard Global To DavosHedera, for its part, is leaning into Davos week as a convening calendar rather than a single stage appearance. In a statement via X, Hedera announced: “Hedera is proud to be an official sponsor of the USA House during the WEF Annual Meeting in Davos, and will contribute to senior-level discussions on digital assets, AI, central banking, and G20 coordination.”
Hedera is also sponsoring Global Blockchain Business Council’s “Blockchain Central Davos,” which runs Jan. 19–22 alongside the WEF meeting, according to Hedera and GBBC materials.
Separately, a Hedera-built carbon-market initiative called EcoGuard Global is scheduled to officially launch in Davos on Jan. 20 at Turmhotel Victoria (3:00–6:00 PM), per EcoGuard’s announcement.
The EcoGuard description pitches an end-to-end infrastructure play around integrity and lifecycle accounting:
“EcoGuard Global is a full carbon lifecycle company building and operating digital infrastructure and managed marketplaces—while actively participating in carbon markets as a developer, investor, and market enabler for high-integrity climate projects… Built on the Hedera network by The Hashgraph Group, EcoGuard Global combines trusted digital infrastructure with market operations, capital, and partnerships to support credible, investable, and scalable carbon markets.”
At press time, HBAR traded at $0.12134.
Greed Reawakens In Crypto Land After A Long Cold Stretch
According to the Crypto Fear & Greed Index, investor mood has swung back toward optimism, registering a score of 61 on Thursday. That is the first time the gauge has moved into the “greed” zone since the large market fallout on Oct. 11, when roughly $19 billion in liquidations drove many traders from altcoins. The index had climbed to 48 just a day earlier, moving out of “neutral” and signaling a quick change in sentiment.
Crypto Fear And Greed ShiftsThe index combines several signals — price moves, trading activity, momentum, Google search interest and social media chatter — to produce a single reading. Based on reports, the measure fell into low double digits several times during November and December after the October sell-off. A score of 61 does not imply euphoria, but it does show growing confidence among traders after weeks of anxiety and patience being tested.
Bitcoin Price ReboundsBitcoin’s price has been moving in step with the improving mood. In the past seven days, Bitcoin rose from $89,750 to a two-month high of $97,720 on Wednesday, according to data from CoinMarketCap. That level was last seen on Nov. 14, when the market was still struggling and sentiment readings were weak even as prices briefly touched similar highs. Market watchers say the recent rally has helped lift trader confidence and is one of the main reasons the index improved so fast.
Retail Exit And Exchange SupplyAccording to market intelligence firm Santiment, there was a net drop of 47,244 Bitcoin holders over a three-day stretch. Reports have disclosed that many small investors left their positions, a reaction blamed on FUD and impatience. At the same time, the amount of Bitcoin held on exchanges fell to a seven-month low of 1.18 million BTC. Less supply sitting on exchange platforms tends to lower the immediate risk of a large, sudden sell-off.
What This Means For TradersTraders use sentiment tools as one input among many when deciding whether to buy, sell or wait. A return to “greed” suggests more people are willing to buy, which can push prices higher if buying pressure continues. On the other hand, sentiment can flip quickly; a sharp move back down would likely make some traders nervous again. Analysts point out that a shrinking pool of retail participants can leave the market in the hands of more committed holders, which often supports steadier price action.
From Anxiety To OptimismBased on reports and current readings, the market has shifted from anxiety toward a more upbeat mood, backed by Bitcoin’s recent gains and lower exchange balances. That combination is seen by many former skeptics as a healthier setup than the panic-filled trading seen after the October liquidations. The picture is cautiously positive: optimism is rising, but the swings that define crypto markets have not disappeared.
Featured image from Unsplash, chart from TradingView
Приток капитала в биржевые фонды на Solana поставил рекорд
Ivy League Money Buys Bitcoin And Ethereum: Dartmouth Discloses IBIT, ETH Mini Stakes
Dartmouth College, via the Trustees of Dartmouth College, disclosed a new position in BlackRock’s iShares Bitcoin Trust ETF (IBIT), reporting 201,531 shares worth $10,006,014 as of Dec. 31, 2025, according to a Form 13F filed on Jan. 14. The same filing also shows a fresh allocation to the Grayscale Ethereum Mini Trust, a rare double-print of BTC and ETH exposure inside an Ivy League endowment’s public equity book.
Dartmouth’s Endowment Adds Bitcoin And EthereumCrypto market observers flagged the disclosure immediately. MacroScope, an analyst account that tracks institutional positioning, framed the filing as a meaningful signal from the endowment complex: “Very important filing today. In a 13F, Dartmouth College reported owning 201,531 shares of IBIT as of December 31, valued over $10 million. It also reported owning 178,148 shares of Grayscale Ethereum Mini valued at $4.9 million.”
The SEC filing provides the precise marks. Dartmouth’s Grayscale Ethereum Mini Trust stake was listed at $4,998,833 for 178,148 shares at quarter-end, placing the combined Bitcoin and Ethereum allocations at roughly $15.0 million of reported 13F holdings.
In the context of Dartmouth’s disclosed 13F portfolio, crypto remains a slice rather than a core. The filing’s summary page lists a “Form 13F Information Table Value Total” of $393,306,686 across nine positions. On that math, IBIT represents about 2.5% of the reported book, with the Ethereum Mini position adding roughly 1.3%.
The rest of the holdings read like a traditional endowment liquid sleeve. Dartmouth’s largest position was SPDR S&P 500 ETF Trust at $227,897,664, alongside sizable allocations to emerging markets (iShares Core MSCI Emerging Markets at $50,043,811), a quality-factor ETF (GMO US Quality at $42,153,006), and a value ETF (Vanguard Value at $34,807,928).
Notably, neither IBIT nor the Grayscale Ethereum Mini Trust appeared in Dartmouth’s prior 13F for the quarter ended Sept. 30, 2025, supporting the claim that both positions were new additions heading into year-end. Notably, Dartmouth is not the first campus allocator to route crypto exposure through the ETF wrapper. Brown University disclosed a new IBIT position in its March 31, 2025 13F, 105,000 shares valued around $4.9 million, the school’s “first foray” into spot bitcoin ETF ownership that quarter.
Emory University moved earlier. In an October 2024 disclosure, the Atlanta-based school reported putting $15.8 million from its endowment into a publicly traded bitcoin ETF, with the filing showing roughly 2.7 million shares of Grayscale’s Bitcoin Mini Trust.
And at the other end of the spectrum sits Harvard’s endowment manager. Harvard Management Co.’s public-equities 13F for the quarter ended Sept. 30, 2025 showed IBIT as its largest reported position, 6,813,612 shares worth about $442.9 million on the filing’s valuation marks.
At press time, Bitcoin traded at $96,284.
Гендиректор Etherealize: На эфир нужно смотреть по-другому
Казахстан объявил в розыск зарабатывавшего стейблкоинами блогера
Dogecoin Founder Crashes Bullish Bitcoin Hopes, Casts Doubts On All-Time High Predictions
Dogecoin is part of those receiving inflows with the current inflows into the Bitcoin and crypto industry. However, Billy Markus, best known as the co-creator of Dogecoin, shared a blunt take on the current state of digital assets.
Taking to the social platform X, Markus acknowledged the general strength of the market but made it clear he isn’t interested until he sees cryptocurrencies breaking past their previous peak price levels. His message came at a moment when markets have shown gains and following Bitcoin’s return above $96,000.
Doubts On All-Time High PredictionsThe entire crypto market cap is currently sitting at $3.344 trillion at the time of writing. When compared to the $3.047 trillion recorded on January 1, this represents an increase of about 9.7%, meaning close to $300 billion has flowed back into digital assets over the past few weeks. That rise has helped restore some confidence across the market after a period of choppy and indecisive price action in late 2025.
Things are going well for Bitcoin, Ethereum, and other large market-cap cryptos, and bullish momentum is starting to creep in steadily. However, Billy Markus, the co-creator of Dogecoin, specifically mentioned the need for big benchmark breaks to actually happen before believing the optimism that’s creeping in.
In a short message addressed to his millions of followers, Markus remarked that while “crypto is doing good and all,” he would rather be woken up when all-time highs are actually being broken. The comment struck a chord across the community and quickly drew a range of reactions, with some noting new all-time highs feel like a myth at this point, and others noting that new price highs are certainly coming.
Although Markus and his co-creators created Dogecoin as a joke, he holds a selective view of the different assets in the crypto industry. Over the years, he has expressed respect for a small group of networks he views as meaningful or resilient, including Bitcoin, Ethereum, Dogecoin, and Solana.
Where Crypto Stands NowBilly Markus’ comment shows a larger divide between perspectives in the crypto community based on the current price action of major cryptocurrencies. On one hand, prices have recovered meaningfully from recent pullbacks, but on the other, the major benchmarks many traders are watching have yet to be reclaimed.
Bitcoin is currently trading in the mid-$90,000 range $96,240 after retreating from its October peak above $126,000. This price uptick is yet to reclaim $100,000, and it might not be until this happens that a full bullish momentum rolls in.
Dogecoin’s performance corresponds to the broader market’s mixed signals. The meme token is now back to making daily closes above $0.14 as selling pressure eases and traders are on high alert. However, technical analysis of Dogecoin’s price action shows that the real test is at $0.157, and traders should not celebrate early until this level falls.
ЦБ России меняет правила отчетности банков об операциях клиентов с криптовалютой
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В этом году случится бум государственных биткоин-резервов — Sygnum
Crypto Market Structure Bill Paused: Senate Banking Cancels Markup
The Senate Banking Committee has pulled the scheduled Thursday markup of its crypto asset market structure bill after a late-stage flare-up with Coinbase, freezing what had looked like a tightening path toward action. The pause lands at a sensitive moment for Washington’s crypto negotiations: industry heavyweights are publicly splitting over the Senate draft even as lawmakers insist bipartisan talks are still alive.
Senate Banking Committee Chairman Tim Scott (R-S.C.) said Wednesday the committee will postpone the markup “as bipartisan negotiations continue,” framing the delay as tactical rather than terminal. “I’ve spoken with leaders across the crypto industry, the financial sector, and my Democratic and Republican colleagues, and everyone remains at the table working in good faith,” Scott wrote on X. “As we take a brief pause before moving to a markup, this market structure bill reflects months of serious bipartisan negotiations and real input from innovators, investors, and law enforcement.”
Scott positioned the bill as a foundational framework rather than a narrow industry carveout. “The goal is to deliver clear rules of the road that protect consumers, strengthen our national security, and ensure the future of finance is built in the United States,” he added.
Coinbase Breaks Ranks LateThe immediate catalyst was Coinbase CEO Brian Armstrong, who said the exchange “can’t support the bill as written” after reviewing “the Senate Banking draft text over the last 48hrs.”
Armstrong argued the draft contains multiple provisions he says would be “materially worse than the current status quo,” contending that it amounts to “a defacto ban on tokenized equities,” includes “DeFi prohibitions” that expand government access to financial records and erode privacy, and would “stifl[e] innovation” by weakening the CFTC relative to the SEC.
He also pointed to “draft amendments” he said “would kill rewards on stablecoins,” warning the changes could allow banks to “ban their competition.” Armstrong’s bottom line was blunt: “We’d rather have no bill than a bad bill.” Still, he struck a conciliatory note about process and odds of a compromise, adding he was “quite optimistic” that continued work could produce “the right outcome.”
After reviewing the Senate Banking draft text over the last 48hrs, Coinbase unfortunately can’t support the bill as written.
There are too many issues, including:
– A defacto ban on tokenized equities – DeFi prohibitions, giving the government unlimited access to your financial…
— Brian Armstrong (@brian_armstrong) January 14, 2026
That posture split the difference between hard opposition to the text and support for continued negotiations,an important distinction as the markup process is typically where senators offer and vote amendments.
Crypto Industry SplitCoinbase’s stance quickly triggered a counter-response from other major crypto firms and advocacy groups backing the Senate Banking GOP’s push. Support was voiced by a16z, Circle, Kraken, The Digital Chamber, Ripple, and Coin Center, coalescing into a public front aimed at keeping momentum intact despite the delay.
Ripple CEO Brad Garlinghouse cast the bill as overdue but directionally positive. “While long-overdue, this move by @SenatorTimScott and @BankingGOP on market structure is a massive step forward in providing workable frameworks for crypto, while continuing to protect consumers,” he wrote. He said Ripple would remain engaged, adding: “We are at the table and will continue to move forward with fair debate. I remain optimistic that issues can be resolved through the mark-up process.”
Meanwhile, Tim Draper said Armstrong’s opposition is justified, arguing the Senate compromise “is worse than no bill at all” and suggesting that “the banks have been meddling.”
Ryan Rasmussen, Head of Research at Bitwise Asset Management , called the current CLARITY Act draft broadly harmful, listing tokenization, stablecoins, DeFi, privacy, builders, users, investors, and innovation, and concluded that the industry would “rather have no bill than a bad bill.”
White House Crypto Czar David Sacks urged the industry to treat the delay as a narrow window to align rather than an opening to splinter. “Passage of market structure legislation remains as close as it’s ever been,” Sacks wrote. “The crypto industry should use this pause to resolve any remaining differences. Now is the time to set the rules of the road and secure the future of this industry.”
Galaxy Digitall’s CEO Mike Novogratz struck a more optimistic tone, saying: “While the crypto bill might be delayed to keep working on it, I am very confident that a bill will get done soon. I have spoken to over 10 senators on both sides of the aisle in the past 24 hrs and I believe they all are working in good faith to get something done. Always gets tense at the end.”
At press time, the total crypto market cap stood at $3.22 trillion.
Судьба биткоин-быков зависит от двух факторов — Glassnode
Ethereum New Addresses Hit Record Levels: What’s Driving The Growth?
On-chain data shows the Ethereum Network Growth has surged to a new all-time high (ATH), suggesting ETH’s adoption has been accelerating.
Ethereum Network Growth Has Shot Up RecentlyIn a new post on X, on-chain analytics firm Santiment has discussed about the recent increase in the Ethereum Network Growth. This metric measures the total number of addresses that are coming online on the network for the first time.
A wallet is said to come “online” when it participates in some kind of transaction activity on the blockchain. Thus, the addresses that the Network Growth tracks are the ones that are participating in their first transfer.
When the value of the metric is high, it means that the users are creating a high amount of new addresses on the network. Such a trend can be a sign that adoption of the asset is occurring.
On the other hand, the indicator having a low value can imply that the cryptocurrency isn’t attracting new users as not much wallet generation is taking place on the network.
Now, here is the chart shared by Santiment that shows the trend in the Ethereum Network Growth over the past year:
As displayed in the above graph, the Ethereum Network Growth has witnessed a spike recently. Over the past week, address generation has averaged around 327,100 per day, with a particularly large level being observed on Sunday, when 393,600 new addresses popped up.
The Sunday high was a new record for the indicator, meaning that ETH saw an unprecedented amount of single-day address creation. As a result of the surge in the Network Growth, the Total Amount of Holders, an indicator tracking the number of non-empty addresses that exist on the blockchain, has also shot up to a new ATH of 172.97 million.
What’s driving all this adoption? According to the analytics firm, there can be several factors contributing to the trend. First is the Fusaka upgrade that occurred in December, and improved data handling and cut layer-2 fees.
The second is the record stablecoin activity that the Ethereum blockchain saw in late 2025, with the transaction volume reaching $8 trillion in the fourth quarter. “This kind of real financial activity tends to bring in new participants who create wallets to send, receive, or hold stablecoins and other tokens,” explained Santiment.
Lastly, the turn of the year saw growing interest and improvement in sentiment among traders, which would have led to fresh retail traders signing up new wallets.
ETH PriceThe past day has been bullish for Ethereum as its price has jumped by more than 5%, recovering back to the $3,340 level.
