While Coinbase and others await decision on their applications, the federal banks regulator has already signaled friendliness to crypto companies through several conditional approvals. Crypto.com said Monday that it has secured conditional approval for a national bank trust charter from the US Office of the Comptroller of the Currency (OCC). In a Monday statement, the cryptocurrency exchange said that once fully approved as a federally regulated institution, it would be established to operate as a custodian across the US, subject to OCC oversight. The company submitted its application in October, saying at the time that it planned to provide custody services for digital asset treasuries, exchange-traded funds, and others. “This conditional approval is the latest testament to both our commitment to compliance and to providing customers trusted and secure services they expect from Crypto.com,” said Crypto.com co-founder and CEO Kris Marszalek. Read more
The nationwide RateFi product allows borrowers to count crypto holdings toward mortgage underwriting requirements without selling their assets. US mortgage lender Rate has launched a nationwide program that allows qualified borrowers to use verified cryptocurrency holdings to help meet underwriting requirements without liquidating their assets, marking a formal step toward integrating digital assets into traditional home financing. The product, called RateFi, operates within the lender’s existing non-qualified mortgage framework and permits borrowers to count verified crypto assets as qualifying reserves and, in some cases, as an income source. Kate Amor, EVP and head of enterprise products at Rate, told Cointelegraph that for underwriting purposes, RateFi assesses digital asset holdings through a proprietary valuation framework that factors in market price, liquidity and asset-specific volatility. The approach enables certain crypto assets to count toward borrower qualification without being liquidated, whil...
Bitcoin gained both upside and downside targets as the Wall Street open brought fresh BTC selling pressure and tariff reactions began. Bitcoin (BTC) battled US sellers at Monday’s Wall Street open amid mixed feelings over the short-term BTC price outlook. Key points: Bitcoin price targets include a $60,000 drop as well as a recovery amid uncertain moves. Read more
How many people really pay with Bitcoin? Survey data, payment processors and country case studies reveal where BTC is used for real-world payments. Measuring real Bitcoin payments is difficult because many transactions go through intermediaries, crypto cards or instant conversions. Surveys show that a sizable minority of crypto holders have used crypto to buy goods or services at least once but rarely distinguish Bitcoin from other assets. El Salvador’s experience suggests that making Bitcoin legal tender does not automatically lead to everyday retail use, especially when existing payment systems remain convenient. Read more
Bitcoin price more than doubled the last time Tether's crypto market capitalization dropped by $3 billion in two months, a signal that is flashing again in 2026. Bitcoin (BTC) may form a bottom in the coming weeks as Tether’s USDt (USDT) market cap dropped to levels that preceded BTC’s 2022 bear market lows. Key takeaways: Tether’s USDt triggers a signal that last time preceded a 100% Bitcoin price rally. Read more
A crypto trader said a former Revolut employee tried to extort him and contacted his relatives. Revolut confirmed an investigation and said no systems were breached. A cryptocurrency trader said a former Revolut employee tried to extort him by threatening to publish his personal information unless he paid a ransom, an allegation that Revolut has confirmed it reported to law enforcement. The trader, who posts under the name TraderSZ, wrote in a Thursday post on X that the former employee threatened to disclose his identity and private details and also contacted members of his family. TraderSZ said relatives who used Revolut received messages seeking to pressure him into paying. TraderSZ posted screenshots he said show exchanges with Revolut’s customer support regarding the incident. Cointelegraph contacted TraderSZ for additional details, including what specific information was accessed and whether a formal complaint had been filed, but did not immediately receive a response. Read more
Curve founder Michael Egorov told Cointelegraph that protocols cannot “live without real revenues flowing” as token incentives lose power to attract liquidity. Decentralized finance (DeFi) can no longer rely on inflationary token incentives to sustain growth, according to Curve Finance founder Michael Egorov. In an interview with Cointelegraph, Egorov said protocols must generate real revenue rather than depend on emissions to attract liquidity. “Your yield should come from revenues, not from tokens,” Egorov told Cointelegraph. “You need real revenues flowing.” He added that if a token “is not doing something, maybe it’s better for you to not do token at all.” Read more
Standard Chartered slashed its forecast for T-bill demand from stablecoins to $800 billion to $1 trillion by 2028, but maintained its $2 trillion stablecoin market call. Standard Chartered analysts stuck to their forecast that the stablecoin market will reach $2 trillion by late 2028, despite lowering expectations for short-term US Treasury bill demand. Stablecoins like Tether’s USDt (USDT) and Circle’s USDC (USDC) are expected to push T-bill demand to $2.2 trillion by 2028, Standard Chartered analyst Geoffrey Kendrick and US rates strategist John Davies said in a Monday report shared with Cointelegraph. Despite the US dollar stablecoin market cap stalling at around $300 billion in recent months amid a broader crypto downturn, the analysts remain bullish since the passage of the US GENIUS Act in 2025. Read more