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clarityact

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Aetheria77x
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ترجمة
🏛 XRP : L’Explosion Institutionnelle est là ! (Récap mi-Janvier 2026)Si vous clignez des yeux, vous risquez de rater le virage que prend le XRP. Entre régulation américaine et adoption européenne, les planètes s'alignent enfin. Voici l'essentiel à retenir : ​1️⃣ La Ruée vers les ETF ($XRPI) 🏦 Depuis leur lancement fin 2025, les ETF Spot XRP sont les nouveaux chouchous de Wall Street. Avec déjà plus de 1,4 milliard de dollars d’entrées nettes, ils captent une part massive de l’offre circulante. Les institutions n'attendent plus, elles accumulent. ​2️⃣ Le "Clarity Act" : La fin du flou artistique ⚖️ C’est le game changer aux USA. Cette loi place désormais le XRP (aux côtés de BTC et ETH) dans un cadre réglementaire clair. Fini les menaces de la SEC, le XRP est officiellement reconnu comme un actif légitime. C'est le feu vert que tous les fonds d'investissement attendaient. ​3️⃣ Ripple conquiert l'Europe via le Luxembourg 🇪🇺 L'obtention d'une licence d'établissement de monnaie électronique au Luxembourg est stratégique. Cela permet à Ripple de déployer ses solutions de paiements transfrontaliers dans toute l’Union Européenne de manière totalement régulée. L'utilité réelle du jeton explose. ​4️⃣ L'objectif des 2$ en ligne de mire 📈 Malgré une légère correction technique après avoir touché les 2,40$ début janvier, la pression acheteuse durant les heures de trading US reste impressionnante. Les baleines profitent de chaque baisse pour recharger, avec un consensus qui se forme autour d'un support solide à 2$. ​💡 Mon avis de Holder : Le XRP n'est plus un "pari sur un procès", c'est devenu un actif de réserve institutionnel. Le paradigme a changé : on ne demande plus si Ripple va gagner, on demande combien de banques vont l'utiliser cette année. ​Et vous, vous pensez que le Clarity Act va propulser le XRP vers un nouvel ATH avant l'été ? DYOR 🤓 #XRP #RIPPLE #CLARITYACT #ETF #Institutionnel

🏛 XRP : L’Explosion Institutionnelle est là ! (Récap mi-Janvier 2026)

Si vous clignez des yeux, vous risquez de rater le virage que prend le XRP. Entre régulation américaine et adoption européenne, les planètes s'alignent enfin. Voici l'essentiel à retenir :
​1️⃣ La Ruée vers les ETF ($XRPI) 🏦
Depuis leur lancement fin 2025, les ETF Spot XRP sont les nouveaux chouchous de Wall Street. Avec déjà plus de 1,4 milliard de dollars d’entrées nettes, ils captent une part massive de l’offre circulante. Les institutions n'attendent plus, elles accumulent.
​2️⃣ Le "Clarity Act" : La fin du flou artistique ⚖️
C’est le game changer aux USA. Cette loi place désormais le XRP (aux côtés de BTC et ETH) dans un cadre réglementaire clair. Fini les menaces de la SEC, le XRP est officiellement reconnu comme un actif légitime. C'est le feu vert que tous les fonds d'investissement attendaient.
​3️⃣ Ripple conquiert l'Europe via le Luxembourg 🇪🇺
L'obtention d'une licence d'établissement de monnaie électronique au Luxembourg est stratégique. Cela permet à Ripple de déployer ses solutions de paiements transfrontaliers dans toute l’Union Européenne de manière totalement régulée. L'utilité réelle du jeton explose.
​4️⃣ L'objectif des 2$ en ligne de mire 📈
Malgré une légère correction technique après avoir touché les 2,40$ début janvier, la pression acheteuse durant les heures de trading US reste impressionnante. Les baleines profitent de chaque baisse pour recharger, avec un consensus qui se forme autour d'un support solide à 2$.
​💡 Mon avis de Holder :
Le XRP n'est plus un "pari sur un procès", c'est devenu un actif de réserve institutionnel. Le paradigme a changé : on ne demande plus si Ripple va gagner, on demande combien de banques vont l'utiliser cette année.
​Et vous, vous pensez que le Clarity Act va propulser le XRP vers un nouvel ATH avant l'été ?
DYOR 🤓
#XRP #RIPPLE #CLARITYACT #ETF #Institutionnel
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صاعد
ترجمة
🛡️ COINBASE vs. BANCOS 🥊👊 A BATALHA PELA LIBERDADE CRIPTO EM 2026❗🏛️💥 🔥 O mercado cripto acaba de escapar de uma "armadilha" legislativa. A Coinbase e Brian Armstrong lideraram uma resistência épica contra a versão atual do Clarity Act no Senado dos EUA, impedindo o que muitos chamam de "presente bilionário" para os bancos tradicionais.🧵👇 🧨 1. O "Rug Pull" Legislativo ? Brian Armstrong foi direto: a Coinbase não pode apoiar o projeto de lei como está escrito. O motivo ? O texto continha "ovos de ouro" escondidos para o setor bancário, que poderiam tirar liberdades fundamentais dos investidores de cripto. O Alvo: Os bancos tradicionais gerenciam mais de US$ 100 trilhões em depósitos e têm muito a perder com a ascensão das stablecoins. A Manobra: O projeto tentava restringir os rendimentos (rewards) de stablecoins para o varejo, forçando o capital de volta para o sistema bancário ineficiente. 🐍 2. Vigilância e Centralização A proposta também tentava impor camadas de vigilância governamental sobre transações peer-to-peer (P2P), algo que não existe nem no sistema financeiro tradicional. Além disso, o projeto tentava limitar o poder da CFTC, tornando-a "subserviente" à SEC, o que traria ainda mais insegurança jurídica para ativos como o XRP e Solana. 💪 3. O Poder da Comunidade (Stand with Crypto) Não foi apenas a Coinbase; Foi VOCÊ » Mais de 250.000 americanos contataram seus senadores em apenas 3 dias através do movimento Stand with Crypto. Esse peso popular foi o que realmente paralisou a votação no Comitê Bancário do Senado. {spot}(XRPUSDT) 📅 O Que Vem a Seguir? A votação foi adiada e o projeto agora pode ser estendido até abril de 2026. O mercado respirou aliviado, mas a vigilância deve ser constante. Como disse Brad Garlinghouse: "Clareza vence o caos, mas não a qualquer custo". @Fumao 📣 Isso não é um conselho financeiro. Sempre faça seu próprio estudo antes de investir em qualquer projeto cripto #coinbase #CLARITYAct #Stablecoins #eua #CryptoNews
🛡️ COINBASE vs. BANCOS 🥊👊 A BATALHA PELA LIBERDADE CRIPTO EM 2026❗🏛️💥

🔥 O mercado cripto acaba de escapar de uma "armadilha" legislativa.

A Coinbase e Brian Armstrong lideraram uma resistência épica contra a versão atual do Clarity Act no Senado dos EUA, impedindo o que muitos chamam de "presente bilionário" para os bancos tradicionais.🧵👇

🧨 1. O "Rug Pull" Legislativo ?

Brian Armstrong foi direto: a Coinbase não pode apoiar o projeto de lei como está escrito. O motivo ? O texto continha "ovos de ouro" escondidos para o setor bancário, que poderiam tirar liberdades fundamentais dos investidores de cripto.

O Alvo: Os bancos tradicionais gerenciam mais de US$ 100 trilhões em depósitos e têm muito a perder com a ascensão das stablecoins.

A Manobra: O projeto tentava restringir os rendimentos (rewards) de stablecoins para o varejo, forçando o capital de volta para o sistema bancário ineficiente.

🐍 2. Vigilância e Centralização

A proposta também tentava impor camadas de vigilância governamental sobre transações peer-to-peer (P2P), algo que não existe nem no sistema financeiro tradicional.

Além disso, o projeto tentava limitar o poder da CFTC, tornando-a "subserviente" à SEC, o que traria ainda mais insegurança jurídica para ativos como o XRP e Solana.

💪 3. O Poder da Comunidade (Stand with Crypto)

Não foi apenas a Coinbase; Foi VOCÊ » Mais de 250.000 americanos contataram seus senadores em apenas 3 dias através do movimento Stand with Crypto.

Esse peso popular foi o que realmente paralisou a votação no Comitê Bancário do Senado.
📅 O Que Vem a Seguir?

A votação foi adiada e o projeto agora pode ser estendido até abril de 2026. O mercado respirou aliviado, mas a vigilância deve ser constante. Como disse Brad Garlinghouse: "Clareza vence o caos, mas não a qualquer custo".

@Leandro-Fumao 📣 Isso não é um conselho financeiro. Sempre faça seu próprio estudo antes de investir em qualquer projeto cripto

#coinbase #CLARITYAct #Stablecoins #eua #CryptoNews
ترجمة
⚠️ 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 {spot}(BTCUSDT) $ETH {spot}(ETHUSDT) $XRP {spot}(XRPUSDT)
⚠️ 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
ترجمة
SENATE DELAYS CLARITY ACT! 🏛️ In a shocking move today, the U.S. Senate Banking Committee has delayed the markup of the "Clarity Act" stablecoin bill. Why it matters: This delay is causing a temporary "bullish pause" as it gives industry lobbyists more time to remove passive yield bans. Market is currently in a "wait and watch" mode. Expect a massive volatility spike once the new date is leaked! ⚖️🚨 #CryptoNews #Regulation #Senate #ClarityAct
SENATE DELAYS CLARITY ACT! 🏛️ In a shocking move today, the U.S. Senate Banking Committee has delayed the markup of the "Clarity Act" stablecoin bill. Why it matters: This delay is causing a temporary "bullish pause" as it gives industry lobbyists more time to remove passive yield bans. Market is currently in a "wait and watch" mode. Expect a massive volatility spike once the new date is leaked! ⚖️🚨 #CryptoNews #Regulation #Senate #ClarityAct
ترجمة
🚨 HEADLINE : 🇺🇸🌎 CRYPTO vs. THE WORLD 🇺🇸Bank of America CEO Brian Moynihan Drops a $6 TRILLION Bombshell! If stablecoins start paying interest, up to $6 TRILLION (30–35% of U.S. bank deposits) could switch out of traditional banks into stablecoins. CRYPTO vs. Banks Stablecoins directly IMPOSE deposit market share reserves shift from safe U.S. Treasuries directly to stablecoin issuers. So Fewer deposits = higher loan costs + tighter credit for everyone 🚨 UPDATE on CLARITY bill: Passive interest on stablecoins banned — only active rewards (staking, liquidity provision, collateral yields) allowed. Are we seeing the Bank scared of a SHIFT in transactional structure to the now WIDELY accepted CRYPTO world. $FRAX |$FHE |$DOLO {future}(DOLOUSDT) {alpha}(560xd55c9fb62e176a8eb6968f32958fefdd0962727e) {future}(FRAXUSDT) If crypto isn't normalized NOW It will normalize SOON #Stablecoins #crypto #CLARITYAct #MarketRebound #BTC100kNext?
🚨 HEADLINE : 🇺🇸🌎 CRYPTO vs. THE WORLD

🇺🇸Bank of America CEO Brian Moynihan Drops a $6 TRILLION Bombshell!

If stablecoins start paying interest, up to $6 TRILLION (30–35% of U.S. bank deposits) could switch out of traditional banks into stablecoins.

CRYPTO vs. Banks
Stablecoins directly IMPOSE deposit market share reserves shift from safe U.S. Treasuries directly to stablecoin issuers.

So Fewer deposits = higher loan costs + tighter credit for everyone

🚨 UPDATE on CLARITY bill:

Passive interest on stablecoins banned — only active rewards (staking, liquidity provision, collateral yields) allowed.
Are we seeing the Bank scared of a SHIFT in transactional structure to the now WIDELY accepted CRYPTO world.

$FRAX |$FHE |$DOLO

If crypto isn't normalized NOW It will normalize SOON
#Stablecoins #crypto #CLARITYAct #MarketRebound #BTC100kNext?
ترجمة
💥 Breaking Crypto News – Coinbase and the latest status on the CLARITY Act 💥Brian Armstrong, CEO of American crypto exchange Coinbase, recently announced that he cannot support the current CLARITY Act (Digital Asset Market Clarity Act) in its current form. This news is important for the crypto market because the bill could have brought major changes to US crypto regulation. 🔹 Why did Coinbase oppose it? According to Brian Armstrong, the CLARITY Act in its current form is not in favor of the crypto industry. It includes some key issues: Restrictions on tokenized stocks: This can make it difficult for investors to participate in the market. Stricter regulations on #DEFİ : DeFi projects may face more restrictions, which will be detrimental to newcomers and small investors. Impact on Stablecoins Rewards: Benefits available to users may be lost. Government access to more financial data: May impact investor privacy. 🔹 Impact on the market and the law: Following Coinbase's statement, the #US Senate Banking Committee postponed voting and debate on the bill to allow for further consideration and improvement of the law. This move makes it clear that the opinions of crypto companies and investors play a significant role in US crypto regulation. 🔹 Important message for investors: This news is important for all crypto investors because any regulation coming from the US could impact the direction of the market and the prices of crypto assets. This shows that the opinions of investors and companies cannot be ignored in shaping rules in the crypto market.#CryptoNews $BTC {future}(BTCUSDT) $ETH {future}(ETHUSDT)

💥 Breaking Crypto News – Coinbase and the latest status on the CLARITY Act 💥

Brian Armstrong, CEO of American crypto exchange Coinbase, recently announced that he cannot support the current CLARITY Act (Digital Asset Market Clarity Act) in its current form. This news is important for the crypto market because the bill could have brought major changes to US crypto regulation.
🔹 Why did Coinbase oppose it?
According to Brian Armstrong, the CLARITY Act in its current form is not in favor of the crypto industry. It includes some key issues:
Restrictions on tokenized stocks: This can make it difficult for investors to participate in the market.
Stricter regulations on #DEFİ : DeFi projects may face more restrictions, which will be detrimental to newcomers and small investors.
Impact on Stablecoins Rewards: Benefits available to users may be lost.
Government access to more financial data: May impact investor privacy.
🔹 Impact on the market and the law: Following Coinbase's statement, the #US Senate Banking Committee postponed voting and debate on the bill to allow for further consideration and improvement of the law. This move makes it clear that the opinions of crypto companies and investors play a significant role in US crypto regulation.
🔹 Important message for investors:
This news is important for all crypto investors because any regulation coming from the US could impact the direction of the market and the prices of crypto assets. This shows that the opinions of investors and companies cannot be ignored in shaping rules in the crypto market.#CryptoNews $BTC

$ETH
ترجمة
🚀 Why DeFi is Celebrating the "Clarity Act" Collapse 🇺🇸 The crypto world is buzzing! The U.S. Senate’s Clarity Act (Market Structure Bill) hit a major snag this week, and surprisingly, the DeFi community is calling it a MASSIVE WIN. Here’s the breakdown of why "no bill" is better than a "bad bill": ❌ The "Poison Pills" that killed the deal: Stablecoin Reward Ban: Traditional banks lobbied hard to ban stablecoin yield, fearing users would move all their cash from savings accounts to DeFi. DeFi Front-End Crackdown: New provisions threatened to treat decentralized websites (like Uniswap's interface) as regulated financial entities. Financial Surveillance: Critics nicknamed it "Patriot Act 2.0" due to new powers that would have allowed the Treasury to freeze assets without court orders. 📉 Major Blows: Coinbase CEO Brian Armstrong officially pulled support, calling the bill "materially worse than the status quo." Banking Lobby (ABA) successfully stalled the vote to protect traditional deposits. 💡 The Silver Lining: With the bill in limbo, the focus shifts to SEC Chairman Paul Atkins, who is expected to favor "regulation by guidance" rather than the aggressive enforcement seen in the past. Bottom Line: DeFi survives to fight another day without being "legislated into extinction." 🛡️ What’s your take? Is the U.S. falling behind, or is the DeFi community right to celebrate this delay? 👇 #CryptoNews #defi #Regulation #CLARITYAct #BinanceSquare
🚀 Why DeFi is Celebrating the "Clarity Act" Collapse 🇺🇸
The crypto world is buzzing! The U.S. Senate’s Clarity Act (Market Structure Bill) hit a major snag this week, and surprisingly, the DeFi community is calling it a MASSIVE WIN.
Here’s the breakdown of why "no bill" is better than a "bad bill":
❌ The "Poison Pills" that killed the deal:
Stablecoin Reward Ban: Traditional banks lobbied hard to ban stablecoin yield, fearing users would move all their cash from savings accounts to DeFi.
DeFi Front-End Crackdown: New provisions threatened to treat decentralized websites (like Uniswap's interface) as regulated financial entities.
Financial Surveillance: Critics nicknamed it "Patriot Act 2.0" due to new powers that would have allowed the Treasury to freeze assets without court orders.
📉 Major Blows:
Coinbase CEO Brian Armstrong officially pulled support, calling the bill "materially worse than the status quo."
Banking Lobby (ABA) successfully stalled the vote to protect traditional deposits.
💡 The Silver Lining:
With the bill in limbo, the focus shifts to SEC Chairman Paul Atkins, who is expected to favor "regulation by guidance" rather than the aggressive enforcement seen in the past.
Bottom Line: DeFi survives to fight another day without being "legislated into extinction." 🛡️
What’s your take? Is the U.S. falling behind, or is the DeFi community right to celebrate this delay? 👇
#CryptoNews #defi #Regulation #CLARITYAct #BinanceSquare
ترجمة
COINBASE MAKES SHOCKING MOVE ON TOKENIZED STOCKS! This news is HUGE. Coinbase just pulled support for the CLARITY Act. They claim it's a "de facto ban." But top tokenization firms disagree. Securitize, Dinari, and Superstate all say the Act clarifies, not bans, digital securities. This confirms regulation, not destruction. It's a massive step for blockchain integration. Don't get left behind. This is the clarity the market needs. Disclaimer: Not financial advice. #Crypto #Blockchain #Tokenization #CLARITYAct 🚀
COINBASE MAKES SHOCKING MOVE ON TOKENIZED STOCKS!

This news is HUGE. Coinbase just pulled support for the CLARITY Act. They claim it's a "de facto ban." But top tokenization firms disagree. Securitize, Dinari, and Superstate all say the Act clarifies, not bans, digital securities. This confirms regulation, not destruction. It's a massive step for blockchain integration. Don't get left behind. This is the clarity the market needs.

Disclaimer: Not financial advice.

#Crypto #Blockchain #Tokenization #CLARITYAct 🚀
ترجمة
CLARITY ACT SHOCKER. BILL'S FUTURE HANGING BY A THREAD. Industry insiders are furious. The CLARITY Act amendment hearing is off. This is a critical juncture. Banks, Coinbase, and Democrats MUST reach an agreement on yield issues IMMEDIATELY. The window is closing fast. Tokenized securities are no longer the main obstacle. Provisions causing concern are being re-evaluated. Hope remains, but action is required NOW. Failure means massive setbacks for crypto adoption. Don't miss the next move. Disclaimer: This is not financial advice. #CryptoNews #CLARITYAct #Blockchain #Regulation ⚡️
CLARITY ACT SHOCKER. BILL'S FUTURE HANGING BY A THREAD.

Industry insiders are furious. The CLARITY Act amendment hearing is off. This is a critical juncture. Banks, Coinbase, and Democrats MUST reach an agreement on yield issues IMMEDIATELY. The window is closing fast. Tokenized securities are no longer the main obstacle. Provisions causing concern are being re-evaluated. Hope remains, but action is required NOW. Failure means massive setbacks for crypto adoption. Don't miss the next move.

Disclaimer: This is not financial advice.

#CryptoNews #CLARITYAct #Blockchain #Regulation ⚡️
ترجمة
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
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
ترجمة
#CLARITYAct O lobby nojento dos grandes bancos dos EUA contra o marco regulatório para expansão do mercado crypto. ENTENDA! *** O Clarity Act surgiu como uma oportunidade histórica de criar um marco regulatório federal claro para cripto e DeFi nos EUA, avançando na Câmara e chegando ao Senado. Porém, a forte pressão do lobby dos grandes bancos tem distorcido o projeto original, levando a propostas vistas como anticompetitivas: limitação de rendimentos de stablecoins, favorecimento de instituições bancárias tradicionais e regras que dificultam a operação de protocolos DeFi. A retirada de apoio da Coinbase e o adiamento da votação expõem esse conflito em um momento decisivo para o setor. Segundo críticos, os bancos alegam que stablecoins com rendimento criam “concorrência desleal” às contas de poupança, argumento usado para frear a inovação e proteger o modelo financeiro tradicional. 👉No fim, o risco é claro: menos clareza regulatória, menos inovação e mais atraso para o DeFi nos EUA. Veremos como isso pode impactar no mercado de forma geral e como essa proposta ainda poderá sobreviver. {spot}(BTCUSDT) {spot}(SOLUSDT) {spot}(WLFIUSDT)
#CLARITYAct O lobby nojento dos grandes bancos dos EUA contra o marco regulatório para expansão do mercado crypto.

ENTENDA!

*** O Clarity Act surgiu como uma oportunidade histórica de criar um marco regulatório federal claro para cripto e DeFi nos EUA, avançando na Câmara e chegando ao Senado.

Porém, a forte pressão do lobby dos grandes bancos tem distorcido o projeto original, levando a propostas vistas como anticompetitivas: limitação de rendimentos de stablecoins, favorecimento de instituições bancárias
tradicionais e regras que dificultam a operação de protocolos DeFi.

A retirada de apoio da Coinbase e o adiamento da votação expõem esse conflito em um momento decisivo para o setor.

Segundo críticos, os bancos alegam que stablecoins com rendimento criam “concorrência desleal” às contas de poupança, argumento usado para frear a inovação e proteger o modelo financeiro tradicional.

👉No fim, o risco é claro: menos clareza regulatória, menos inovação e mais atraso para o DeFi nos EUA.

Veremos como isso pode impactar no mercado de forma geral e como essa proposta ainda poderá sobreviver.
ترجمة
Me: "I'm retiring today. $PEPE to the moon, $DOGE is the new global reserve currency, and my Hyperliquid longs are up 400%." The Market (5 minutes later): Brian Armstrong pulls support for the CLARITY Act, $1.3 billion in ETF outflows hit the tape, and Zcash devs rage quit. Me: "Hello, McDonald's? Yes, I'm calling about the night shift position. I have extensive experience in high-stress environments and managing rapid liquidations (mostly my own)." The "Degen" 2026 Snapshot: The "CLARITY" Chaos: The Senate vote is a mess. Coinbase just pulled support because the bill is 300 pages of "regulatory yikes," causing a massive "Guh" across the board. Meme Overdose: $PEPE and $POPCAT were leading a 30% rally until the ETF redemptions turned the charts into a red wedding. Short Squeeze: We just saw $577 million in shorts get incinerated in 24 hours. If you didn't get liquidated today, are you even trying? #Crypto2026to2030 #Hyperliquid #CLARITYAct #liquidation #memecoin
Me: "I'm retiring today. $PEPE to the moon, $DOGE is the new global reserve currency, and my Hyperliquid longs are up 400%."

The Market (5 minutes later): Brian Armstrong pulls support for the CLARITY Act, $1.3 billion in ETF outflows hit the tape, and Zcash devs rage quit.

Me:
"Hello, McDonald's? Yes, I'm calling about the night shift position. I have extensive experience in high-stress environments and managing rapid liquidations (mostly my own)."

The "Degen" 2026 Snapshot:
The "CLARITY" Chaos: The Senate vote is a mess. Coinbase just pulled support because the bill is 300 pages of "regulatory yikes," causing a massive "Guh" across the board.

Meme Overdose: $PEPE and $POPCAT were leading a 30% rally until the ETF redemptions turned the charts into a red wedding.
Short Squeeze: We just saw $577 million in shorts get incinerated in 24 hours. If you didn't get liquidated today, are you even trying?

#Crypto2026to2030 #Hyperliquid #CLARITYAct #liquidation #memecoin
مشروع قانون الوضوح (#CLARITYAct ) الجديد في الولايات المتحدة قد يقلب الطاولة تماماً. القانون المقترح يضع #XRP وخمس عملات كبرى أخرى, #Dogecoin , #Litecoin , #Solana فس الخانة القانونية مع البيتكوين والإيثيريوم، أي كـ سلع وليست أوراقاً مالية. $DOGE {future}(DOGEUSDT) $LTC {future}(LTCUSDT) $XRP {future}(XRPUSDT)
مشروع قانون الوضوح (#CLARITYAct ) الجديد في الولايات المتحدة قد يقلب الطاولة تماماً.

القانون المقترح يضع #XRP وخمس عملات كبرى أخرى, #Dogecoin , #Litecoin , #Solana فس الخانة القانونية مع البيتكوين والإيثيريوم، أي كـ سلع وليست أوراقاً مالية.
$DOGE
$LTC
$XRP
ترجمة
#CLARITYAct 53 banking associations just wrote themselves a $6.6 trillion protection bill. They called it the CLARITY Act. Here is what they do not want you to understand. Banks pay depositors 0.1% interest. Stablecoin issuers hold Treasury bills earning 4.5%. If stablecoins could pass that yield to users, banks lose the deposit war. They cannot compete. The math is fatal. So they made competition illegal. The Kansas City Fed calculated what happens if stablecoins pay competitive rates. Banks lose 25.9% of deposits. $1.5 trillion in lending capacity vanishes. The entire community banking model collapses. Their solution was not innovation. Their solution was legislation. The CLARITY Act everyone is celebrating contains Section 404 prohibiting yield payments through any mechanism. Not just from issuers. From exchanges. From affiliates. From partners. Every single pathway to competitive returns, closed by statute. Brian Armstrong reviewed the 278-page draft for 48 hours. He withdrew Coinbase support at 11pm. The markup was postponed by morning. He saw what Wall Street analysts missed entirely. This is not crypto regulation. This is Dodd-Frank for digital assets. Incumbents writing rules that crush competitors. Regulatory capture so brazen they published the lobbying letters on their own websites. The American Bankers Association. 52 state banking associations. The Community Bankers Council. All coordinating to eliminate an industry they cannot beat in open markets. Meanwhile China made e-CNY interest-bearing on December 29. America is banning stablecoin yield while Beijing is paying it. The crypto industry spent years begging for regulatory clarity. They got it. Clarity that $6.6 trillion in deposits will be protected at any cost. Clarity that banks write the rules. Clarity that if you cannot win in markets, you win in Congress. This is the largest regulatory capture event in American financial history. And it is being sold as innovation policy. FOLLOW LIKE SHARE
#CLARITYAct 53 banking associations just wrote themselves a $6.6 trillion protection bill.

They called it the CLARITY Act.

Here is what they do not want you to understand.

Banks pay depositors 0.1% interest. Stablecoin issuers hold Treasury bills earning 4.5%. If stablecoins could pass that yield to users, banks lose the deposit war. They cannot compete. The math is fatal.

So they made competition illegal.

The Kansas City Fed calculated what happens if stablecoins pay competitive rates. Banks lose 25.9% of deposits. $1.5 trillion in lending capacity vanishes. The entire community banking model collapses.

Their solution was not innovation. Their solution was legislation.

The CLARITY Act everyone is celebrating contains Section 404 prohibiting yield payments through any mechanism. Not just from issuers. From exchanges. From affiliates. From partners. Every single pathway to competitive returns, closed by statute.

Brian Armstrong reviewed the 278-page draft for 48 hours. He withdrew Coinbase support at 11pm. The markup was postponed by morning. He saw what Wall Street analysts missed entirely.

This is not crypto regulation.

This is Dodd-Frank for digital assets. Incumbents writing rules that crush competitors. Regulatory capture so brazen they published the lobbying letters on their own websites.

The American Bankers Association. 52 state banking associations. The Community Bankers Council. All coordinating to eliminate an industry they cannot beat in open markets.

Meanwhile China made e-CNY interest-bearing on December 29.

America is banning stablecoin yield while Beijing is paying it.

The crypto industry spent years begging for regulatory clarity.

They got it.

Clarity that $6.6 trillion in deposits will be protected at any cost. Clarity that banks write the rules. Clarity that if you cannot win in markets, you win in Congress.

This is the largest regulatory capture event in American financial history.

And it is being sold as innovation policy.

FOLLOW LIKE SHARE
ترجمة
BIG MOVES FOR CRYPTO IN THE U.S. 🇺🇸 Momentum around crypto regulation in America is real — but it’s important to stay factual. Rep. French Hill has confirmed that the Senate Banking Committee is preparing a markup of the CLARITY Act, with discussions expected as early as January 15, 2026. This is a key procedural step, Stay sharp. This is one to watch closely. #CryptoRegulation #CLARITYAct #USCrypto #BlockchainPolicy #DigitalAssets $DASH $SUI $PEPE
BIG MOVES FOR CRYPTO IN THE U.S. 🇺🇸
Momentum around crypto regulation in America is real — but it’s important to stay factual.
Rep. French Hill has confirmed that the Senate Banking Committee is preparing a markup of the CLARITY Act, with discussions expected as early as January 15, 2026. This is a key procedural step,

Stay sharp. This is one to watch closely.
#CryptoRegulation #CLARITYAct #USCrypto #BlockchainPolicy #DigitalAssets
$DASH $SUI $PEPE
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صاعد
ترجمة
CLARITY Act Delayed! What Now? The crypto market was ready for a big win today, but the CLARITY Act voting in the Senate just got postponed. Here’s the deal: The Conflict: Coinbase CEO Brian Armstrong pulled support, calling the latest draft "worse than the current mess." The main issues? Restrictions on DeFi and a ban on stablecoin rewards. Commodity vs. Security: The goal was to classify most crypto as commodities under the CFTC, but the new legal "poison pills" have split the industry. SCOTUS Silence: No word from the Supreme Court on Trump’s tariffs today either. The waiting game continues. 🔮 My Prediction: Expect some sideways movement this week. The delay actually gives the industry time to fight for a better bill. If we get a "Yes" later this month, BTC at $100k is still very much on the table. Patience is key. No bill is better than a bad bill! 💎 #Bitcoin #CryptoNews #CLARITYAct #BTC $BTC {future}(BTCUSDT) $SOL {spot}(SOLUSDT) #MarketUpdate
CLARITY Act Delayed! What Now?
The crypto market was ready for a big win today, but the CLARITY Act voting in the Senate just got postponed. Here’s the deal:

The Conflict: Coinbase CEO Brian Armstrong pulled support, calling the latest draft "worse than the current mess." The main issues? Restrictions on DeFi and a ban on stablecoin rewards.

Commodity vs. Security: The goal was to classify most crypto as commodities under the CFTC, but the new legal "poison pills" have split the industry.

SCOTUS Silence: No word from the Supreme Court on Trump’s tariffs today either. The waiting game continues.

🔮 My Prediction:
Expect some sideways movement this week. The delay actually gives the industry time to fight for a better bill. If we get a "Yes" later this month, BTC at $100k is still very much on the table.

Patience is key. No bill is better than a bad bill! 💎

#Bitcoin #CryptoNews #CLARITYAct #BTC $BTC
$SOL
#MarketUpdate
ترجمة
🛑 CLARITY Act на межі краху: Браян Армстронг обрав шлях «жодного закону замість поганого»Криптоіндустрія США знову опинилася на роздоріжжі. Оскільки, Coinbase, одна з найбільших бірж, офіційно відкликала підтримку ключового для ринку законопроєкту — CLARITY Act. Голова компанії Браян Армстронг висловився максимально прямо: поточна редакція документа є «гіршою за статус-кво». За його словами, індустрії краще взагалі не мати спеціального закону, ніж погодитися на правила, що душать інновації. Після аналізу останніх правок стало зрозуміло, що закон перетворився на інструмент обмеження, а не розвитку: Заборона токенізованих акцій: Документ фактично накладає заборону на цей перспективний сектор. Удар по DeFi: Введення вимог, які технічно неможливо виконати в децентралізованих протоколах. Стейблкоїни під загрозою: Поправки можуть заборонити виплату винагород (yield) за стейкінг стейблкоїнів. Бюрократичний хаос: Замість чіткого розподілу між SEC та CFTC, закон лише розмиває межі їхніх повноважень. Ця внутрішня суперечка вже має реальні наслідки. Сенатський банківський комітет вже відклав заплановане на 15 січня засідання (markup session) щодо законопроєкту до кінця місяця, щоб спробувати знайти компроміс. А ця затримка та внутрішні розбіжності в індустрії тільки підсилюють регуляторну невизначеність. Аналітики TD Cowen вважають, що це може зірвати прийняття закону в цьому скликанні Конгресу.  На тлі цих новин ралі крипторинку сповільнилося. Біткоїн (BTC) торгується близько $96 000, а Ефіріум (ETH) — біля позначки $3 300. Затримка закону стримує подальший прихід інституційних інвесторів, які очікують на чіткі правила гри. Отже, Армстронг іде ва-банк. Це ризикована гра: або законодавці прислухаються і перепишуть закон під потреби ринку, або США ще на роки залишаться в стані «регулювання через судові позови». #Coinbase #ClarityAct #Regulation #CryptoNews #BTC #ETH #BinanceSquare #DeFi

🛑 CLARITY Act на межі краху: Браян Армстронг обрав шлях «жодного закону замість поганого»

Криптоіндустрія США знову опинилася на роздоріжжі. Оскільки, Coinbase, одна з найбільших бірж, офіційно відкликала підтримку ключового для ринку законопроєкту — CLARITY Act.
Голова компанії Браян Армстронг висловився максимально прямо: поточна редакція документа є «гіршою за статус-кво». За його словами, індустрії краще взагалі не мати спеціального закону, ніж погодитися на правила, що душать інновації.

Після аналізу останніх правок стало зрозуміло, що закон перетворився на інструмент обмеження, а не розвитку:

Заборона токенізованих акцій: Документ фактично накладає заборону на цей перспективний сектор.

Удар по DeFi: Введення вимог, які технічно неможливо виконати в децентралізованих протоколах.

Стейблкоїни під загрозою: Поправки можуть заборонити виплату винагород (yield) за стейкінг стейблкоїнів.

Бюрократичний хаос: Замість чіткого розподілу між SEC та CFTC, закон лише розмиває межі їхніх повноважень.

Ця внутрішня суперечка вже має реальні наслідки.
Сенатський банківський комітет вже відклав заплановане на 15 січня засідання (markup session) щодо законопроєкту до кінця місяця, щоб спробувати знайти компроміс.
А ця затримка та внутрішні розбіжності в індустрії тільки підсилюють регуляторну невизначеність. Аналітики TD Cowen вважають, що це може зірвати прийняття закону в цьому скликанні Конгресу.
 На тлі цих новин ралі крипторинку сповільнилося. Біткоїн (BTC) торгується близько $96 000, а Ефіріум (ETH) — біля позначки $3 300. Затримка закону стримує подальший прихід інституційних інвесторів, які очікують на чіткі правила гри.

Отже, Армстронг іде ва-банк. Це ризикована гра: або законодавці прислухаються і перепишуть закон під потреби ринку, або США ще на роки залишаться в стані «регулювання через судові позови».

#Coinbase #ClarityAct #Regulation #CryptoNews #BTC #ETH #BinanceSquare #DeFi
ترجمة
Why did the "Crypto Bill" get delayed today? 🕵️‍♂️ The U.S. Senate Banking Committee was supposed to finalize the CLARITY Act today, but they’ve pushed the session to the end of the month. Simply put: There’s a "tug-of-war" happening between Banks and Crypto companies. The Conflict: The bill currently bans "Stablecoin Rewards" (getting interest just for holding coins like USDC). The Pushback: Coinbase CEO Brian Armstrong warned he might withdraw support for the bill if it limits access to DeFi and stablecoin yields. The Impact: While the delay sounds bad, it actually shows that lawmakers are taking the industry's concerns seriously. They want a bill that sticks, not one that drives innovation offshore. 🏛️🛡️ #CLARITYAct #CryptoRegulation #bitcoin #CryptoMarket
Why did the "Crypto Bill" get delayed today? 🕵️‍♂️

The U.S. Senate Banking Committee was supposed to finalize the CLARITY Act today, but they’ve pushed the session to the end of the month.

Simply put: There’s a "tug-of-war" happening between Banks and Crypto companies.

The Conflict: The bill currently bans "Stablecoin Rewards" (getting interest just for holding coins like USDC).

The Pushback: Coinbase CEO Brian Armstrong warned he might withdraw support for the bill if it limits access to DeFi and stablecoin yields.

The Impact: While the delay sounds bad, it actually shows that lawmakers are taking the industry's concerns seriously. They want a bill that sticks, not one that drives innovation offshore. 🏛️🛡️ #CLARITYAct #CryptoRegulation #bitcoin #CryptoMarket
📌 الواقع الفعلي لما حدث مع قانون Clarity Act اليوم ولماذا تأجل التصويت ما حدث ليس إلغاءً نهائيا. شركة Coinbase سحبت دعمها لمشروع Digital Asset Market Clarity Act لأن نسخته الحالية حسب بريان أرمسترونغ قد تكون أسوأ من غياب القانون أصلا. بعد ذلك، اللجنة المصرفية في مجلس الشيوخ أجلت جلسة التصويت بسبب تصاعد الخلافات، لا بسبب إسقاط المشروع. أسباب الرفض تشمل: قيود على عوائد العملات المستقرة، تضييق على الأسهم المرمّزة، تشدد ضد DeFi وخصوصية المستخدم، وتعزيز نفوذ SEC على حساب CFTC. الخلاصة: القانون لم يلغى بل عاد لطاولة التعديل. $DCR $ZEN #CLARITYAct #coinbase #CryptoNews
📌 الواقع الفعلي لما حدث مع قانون Clarity Act اليوم ولماذا تأجل التصويت

ما حدث ليس إلغاءً نهائيا. شركة Coinbase سحبت دعمها لمشروع Digital Asset Market Clarity Act لأن نسخته الحالية حسب بريان أرمسترونغ قد تكون أسوأ من غياب القانون أصلا.
بعد ذلك، اللجنة المصرفية في مجلس الشيوخ أجلت جلسة التصويت بسبب تصاعد الخلافات، لا بسبب إسقاط المشروع.

أسباب الرفض تشمل:
قيود على عوائد العملات المستقرة، تضييق على الأسهم المرمّزة، تشدد ضد DeFi وخصوصية المستخدم، وتعزيز نفوذ SEC على حساب CFTC.

الخلاصة: القانون لم يلغى بل عاد لطاولة التعديل.

$DCR $ZEN

#CLARITYAct
#coinbase
#CryptoNews
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