defi

Em cada ciclo, $ETH nunca ficou abaixo do valor total bloqueado em seus aplicativos. Cada queda abaixo disso reverteu. Sem hype. Sem narrativas. Apenas estrutura.
Esse piso agora fica perto de $337B.
DeFi, staking, RWAs e tokenização todos exigem ETH como colateral e combustível de liquidação. À medida que a atividade on-chain cresce, esse piso não fica plano - ele sobe.
O pessimismo persistente sobre ETH aqui parece menos análise... e mais negação.
O mercado está precificando incorretamente o sinal mais confiável do ETH novamente? #ETHETFsApproved #defi

Coinbase CEO Brian Armstrong has strongly criticized the U.S. Senate Banking Committee’s proposed crypto market structure bill. According to him, the bill would harm the crypto industry more than if there were no regulation at all. Armstrong shared his position on platform X (formerly Twitter), warning of serious consequences the legislation could have for decentralized finance, user privacy, and market competition.

Coinbase: This Bill Threatens the Future of Crypto
Armstrong pointed out that the Senate’s proposal would:

🔹 Ban tokenized stocks

🔹 Restrict the DeFi sector

🔹 Give the government access to users’ financial data

🔹 Undermine the CFTC’s role while empowering the SEC

🔹 Penalize stablecoins and block fair competition with traditional banks
He warned that the bill, in its current form, would damage innovation and strengthen the monopoly of large financial institutions. Nevertheless, Coinbase plans to continue working on improving the bill through dialogue with lawmakers.
“We appreciate the lawmakers’ bipartisan efforts, but this version is significantly worse than the status quo. We would prefer no bill over a bad one,” Armstrong stated.

Crypto Market Grows, While Regulation Lags Behind
Ironically, this debate comes at a time when the crypto market is surging again. The total market capitalization grew 3% in the past 24 hours, with Bitcoin heading toward $98,000 and Ethereum nearing $3,500.
Industry experts agree that clear legislation is needed to define when a digital asset is a security and when it is a commodity. While the proposed bill does grant more power to the Commodity Futures Trading Commission (CFTC), it also contains sections that could hinder the growth of stablecoins—therefore blocking the development of decentralized financial services.

137 Amendments Filed, Banks Accused of Influence
The bill has triggered a wave of public responses. So far, over 137 amendments have been submitted, with final wording expected after further negotiations. Meanwhile, crypto industry groups accuse banks of wielding excessive influence over the bill’s content.
Summer Mersinger, CEO of the Blockchain Association, stated that banks are pushing to shape the law in their favor, preventing new players from entering the market. Proposed limitations on stablecoin rewards would, she said, hurt consumers and block innovation before it can compete.

#coinbase , #CryptoNews , #brianarmstrong , #Stablecoins , #defi

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When a project spends this much space explaining what it doesn’t do, it’s usually worth paying attention.
After reading through the documentation of World Liberty Financial, one thing becomes obvious: this is not a typical DeFi protocol, and it’s definitely not a “press buy and earn” project.

WLFI doesn’t lend, borrow, hold funds, or execute trades. It doesn’t act like a bank, broker, or exchange. Instead, it provides a user interface a bridge that lets users access third-party DeFi protocols directly from their own wallets.

Where the activity really happens
All lending, borrowing, liquidations, and interest mechanics happen on external protocols, mainly Dolomite and other third-party providers. WLFI does not control these systems and openly states that it cannot guarantee performance, safety, or returns.

This structure has two sides.
On one hand, it reduces custodial and regulatory risk for WLFI itself. On the other, it means users carry full responsibility for whatever happens next.
There is no safety net here and WLFI doesn’t pretend otherwise.

So what does the $WLFI token represent right now?

This is where expectations need to be realistic. At the moment, $WLFI is not a yield token. It’s not a revenue-sharing asset.
It doesn’t automatically grow just because the platform exists.
Its value is mainly tied to:
• Governance participation
• Future platform utility
• Adoption of the WLFI interface
• Growth of integrated DeFi services
In other words, $WLFI is a forward-looking token. You’re buying potential, not current cash flow.

Jurisdiction limits matter more than people think
WLFI access is restricted in many regions, including parts of the U.S., the EU, the UK, and Asia. This doesn’t mean the project is weak but it does slow down adoption and liquidity growth in the short term.
For a token whose value depends on usage, growth speed matters.

I don’t see $WLFI as a hype token. I also don’t see it as a “must buy”. I see it as an early-stage infrastructure bet.
If WLFI succeeds, it will be because:
•> People actually use the interface
•> Third-party integrations remain strong
•> Token utility expands meaningfully

If that doesn’t happen, the token has limited support underneath.
For me, this is a watch closely asset not an emotional buy.

Curious to hear your thoughts:
Are you holding $WLFI for the future vision, or waiting for real utility to go live?
#WLFI #CryptoDiscussion #defi #BinanceSquare #dyor

Гендиректор Coinbase Брайан Армстронг знову сколихнув криптосвіт, зробивши гучну заяву: «Відсутність регулювання краща за поганий закон». 14-15 січня 2026 року стався справжній розворот на 180 градусів — Coinbase офіційно відкликала підтримку довгоочікуваного законопроєкту Digital Asset Market Clarity Act.
Чому головний лобіст криптоіндустрії в США пішов на такий крок? Армстронг стверджує, що оновлена версія документа «матеріально гірша за статус-кво». Серед головних «червоних прапорців»:
* Фактична заборона токенізованих акцій: Закон блокує інновації, над якими Coinbase працювала роками.
* Удар по DeFi: Нові норми вимагають від розробників децентралізованих протоколів надавати державі необмежений доступ до фінансових даних користувачів.
* Знищення стейблкоїн-винагород: Банківське лобі домоглося правок, які забороняють виплачувати відсотки за тримання стейблкоїнів, щоб захистити традиційні депозити.
«Ми не дозволимо побудувати цифрову в'язницю під виглядом ясності», — резюмував Армстронг. Для ринку це означає, що боротьба за чесні правила гри входить у свою найгострішу фазу.
Долучайтеся до обговорення та стежте за кожним кроком регуляторів разом з нами!
Підписуйтесь на #MiningUpdates — будьте на крок попереду ринку!
#CryptoRegulation #coinbase #brianarmstrong #defi #Web3News