stablecoins
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ترجمة
Stablecoins vs. Banca Tradicional: la batalla silenciosa por USD 6 billones
Las #stablecoins han pasado de ser una herramienta de liquidez dentro del ecosistema cripto a convertirse en una amenaza estructural para la banca tradicional. Brian Moynihan, CEO de Bank of America, reconoció recientemente que estos activos digitales podrían provocar una fuga de hasta USD 6 billones en depósitos si continúan ofreciendo recompensas atractivas a los usuarios. Desde su perspectiva, el riesgo no es solo competitivo, sino macroeconómico: menos depósitos implicarían menor capacidad de préstamo, afectando especialmente a pequeñas y medianas empresas que dependen del crédito bancario. Este argumento ha reavivado el debate sobre el papel de las stablecoins dentro del sistema financiero y su impacto en la intermediación tradicional.
Sin embargo, analistas del sector cripto cuestionan esta narrativa. Investigaciones de BitMEX Research sostienen que, en grandes bancos, la capacidad de prestar no depende directamente de los depósitos, sino del capital disponible, lo que expone una diferencia fundamental entre el modelo bancario de reserva fraccionaria y las stablecoins respaldadas al 100%. En paralelo, la presión regulatoria aumenta en EE. UU., con la banca buscando cerrar cualquier vía de recompensas, mientras exchanges y líderes del sector defienden que el verdadero motor de este cambio es el usuario, cansado de rendimientos poco competitivos. De cara a 2026, el pulso entre innovación y regulación no solo definirá el futuro de las stablecoins, sino también el equilibrio de poder en el sistema financiero global.
Si consideras que esta información ha sido útil, te invito a dar un "like" y a suscribirte a mi canal, donde diariamente compartiré contenido relevante sobre el mundo de las criptomonedas.
Aviso Legal ⚠️ La información proporcionada en este canal es únicamente con fines educativos y no debe interpretarse como asesoramiento financiero o estrategias de inversión. No nos hacemos responsables por decisiones tomadas basadas en el contenido presentado.
Sin embargo, analistas del sector cripto cuestionan esta narrativa. Investigaciones de BitMEX Research sostienen que, en grandes bancos, la capacidad de prestar no depende directamente de los depósitos, sino del capital disponible, lo que expone una diferencia fundamental entre el modelo bancario de reserva fraccionaria y las stablecoins respaldadas al 100%. En paralelo, la presión regulatoria aumenta en EE. UU., con la banca buscando cerrar cualquier vía de recompensas, mientras exchanges y líderes del sector defienden que el verdadero motor de este cambio es el usuario, cansado de rendimientos poco competitivos. De cara a 2026, el pulso entre innovación y regulación no solo definirá el futuro de las stablecoins, sino también el equilibrio de poder en el sistema financiero global.
Si consideras que esta información ha sido útil, te invito a dar un "like" y a suscribirte a mi canal, donde diariamente compartiré contenido relevante sobre el mundo de las criptomonedas.
Aviso Legal ⚠️ La información proporcionada en este canal es únicamente con fines educativos y no debe interpretarse como asesoramiento financiero o estrategias de inversión. No nos hacemos responsables por decisiones tomadas basadas en el contenido presentado.
ترجمة
The number of unique addresses holding #stablecoins has reached 200 million, setting a new record level
$USDT #CryptoPatel
$USDT #CryptoPatel
ترجمة
It’s a joint experiment backed by #CZ and #JustinSun -- two names that don’t usually move quietly. And with that kind of gravity behind it, the question naturally hangs in the air: Is this meant to be the next BUSD? A Stablecoin With a Loud Entrance. Two days. That’s all $U needed to make itself impossible to ignore.
It’s already hovering around a $459M market cap, sitting 23rd among #stablecoins , with more than 16,000 wallets holding it. And the biggest slice of that pie? Parked inside a Huobi hot wallet, controlling a little over 28% of the supply.
This doesn’t feel like organic drift. It feels… arranged. Binance flips on a zero-fee campaign. Huobi rolls out a juicy 20% savings yield. The Binance ecosystem starts nudging traffic in the same direction. You can almost hear the gears clicking. Because this isn’t just another peg with a logo.
Back in 2022, $BUSD touched $23 billion. That was before this bull market even had a pulse. Before stablecoins became front-line weapons in exchange wars. And we’ve already seen how fast these things can snowball when distribution kicks in.
Binance Wallet nudged USDD once, and in two weeks its supply jumped nearly 70%. Three hundred million new tokens appeared almost casually. No mania. Just placement. So now imagine #U getting that same nudge.
WHAT YOU ALL THINK ABOUT THIS STABLECOIN ?
It’s already hovering around a $459M market cap, sitting 23rd among #stablecoins , with more than 16,000 wallets holding it. And the biggest slice of that pie? Parked inside a Huobi hot wallet, controlling a little over 28% of the supply.
This doesn’t feel like organic drift. It feels… arranged. Binance flips on a zero-fee campaign. Huobi rolls out a juicy 20% savings yield. The Binance ecosystem starts nudging traffic in the same direction. You can almost hear the gears clicking. Because this isn’t just another peg with a logo.
Back in 2022, $BUSD touched $23 billion. That was before this bull market even had a pulse. Before stablecoins became front-line weapons in exchange wars. And we’ve already seen how fast these things can snowball when distribution kicks in.
Binance Wallet nudged USDD once, and in two weeks its supply jumped nearly 70%. Three hundred million new tokens appeared almost casually. No mania. Just placement. So now imagine #U getting that same nudge.
WHAT YOU ALL THINK ABOUT THIS STABLECOIN ?
ترجمة
USDT vs. USDC: Parecen iguales, pero no lo son
En el ecosistema cripto, ambas son stablecoins (1 ≈ 1 USD) y son las herramientas esenciales para ahorrar, transferir valor y refugiarse de la volatilidad. Pero, aunque el destino es el mismo, el camino que recorren es muy distinto. 👇
USDT (Tether) | El Rey de la Liquidez
Es la moneda más veterana y utilizada en el mercado.
Liquidez imbatible: Es el estándar en casi todos los pares de trading.Adopción masiva: La encuentras en cualquier exchange y red (TRC20, ERC20, etc.).Transparencia: Sus reservas han sido cuestionadas históricamente por no ser tan claras como las de su competencia.Riesgo regulatorio: Siempre está bajo la lupa de las autoridades.
USDC (Circle) | El Estándar de la Confianza
Es la opción preferida por instituciones y perfiles que priorizan la seguridad.
Auditorías reales: Reservas mensuales verificadas y transparentes.Cumplimiento legal: Respaldada por el sistema financiero de EE. UU. (efectivo y bonos del tesoro).Seguridad institucional: Mayor tranquilidad para grandes capitales.Menos volumen: En ciertos mercados, su liquidez es menor comparada con USDT.
¿Cómo gestionar tu capital con inteligencia?
No se trata de elegir una y descartar la otra. La clave está en la estrategia:
$USDT para la batalla: Úsala para trading rápido, scalping y mover fondos entre exchanges con máxima velocidad.
$USDC para el búnker: Úsala para guardar valor, mantener tus ahorros a largo plazo y reducir el riesgo ante posibles problemas regulatorios de Tether.
💡 El consejo de oro: Usarlas juntas no es una contradicción, es diversificación.
En cripto, no gana el que corre más... gana el que sabe dónde estacionar su dinero cuando el mercado se pone difícil.
#Stablecoins #USDT #USDC #TradingTips #CryptoEducación
USDT (Tether) | El Rey de la Liquidez
Es la moneda más veterana y utilizada en el mercado.
Liquidez imbatible: Es el estándar en casi todos los pares de trading.Adopción masiva: La encuentras en cualquier exchange y red (TRC20, ERC20, etc.).Transparencia: Sus reservas han sido cuestionadas históricamente por no ser tan claras como las de su competencia.Riesgo regulatorio: Siempre está bajo la lupa de las autoridades.
USDC (Circle) | El Estándar de la Confianza
Es la opción preferida por instituciones y perfiles que priorizan la seguridad.
Auditorías reales: Reservas mensuales verificadas y transparentes.Cumplimiento legal: Respaldada por el sistema financiero de EE. UU. (efectivo y bonos del tesoro).Seguridad institucional: Mayor tranquilidad para grandes capitales.Menos volumen: En ciertos mercados, su liquidez es menor comparada con USDT.
¿Cómo gestionar tu capital con inteligencia?
No se trata de elegir una y descartar la otra. La clave está en la estrategia:
$USDT para la batalla: Úsala para trading rápido, scalping y mover fondos entre exchanges con máxima velocidad.
$USDC para el búnker: Úsala para guardar valor, mantener tus ahorros a largo plazo y reducir el riesgo ante posibles problemas regulatorios de Tether.
💡 El consejo de oro: Usarlas juntas no es una contradicción, es diversificación.
En cripto, no gana el que corre más... gana el que sabe dónde estacionar su dinero cuando el mercado se pone difícil.
#Stablecoins #USDT #USDC #TradingTips #CryptoEducación
JGCash:
Saludos!!
Excelente inducción, para aquellos que estamos llegando.
Gracias!!
ترجمة
🛡️ COINBASE vs. BANCOS 🥊👊 A BATALHA PELA LIBERDADE CRIPTO EM 2026❗🏛️💥
🔥 O mercado cripto acaba de escapar de uma "armadilha" legislativa.
A Coinbase e Brian Armstrong lideraram uma resistência épica contra a versão atual do Clarity Act no Senado dos EUA, impedindo o que muitos chamam de "presente bilionário" para os bancos tradicionais.🧵👇
🧨 1. O "Rug Pull" Legislativo ?
Brian Armstrong foi direto: a Coinbase não pode apoiar o projeto de lei como está escrito. O motivo ? O texto continha "ovos de ouro" escondidos para o setor bancário, que poderiam tirar liberdades fundamentais dos investidores de cripto.
O Alvo: Os bancos tradicionais gerenciam mais de US$ 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.
📅 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
🔥 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
⚠️ ALERTA EN WALL STREET
Bank of America advierte fuga de $6 billones hacia #Stablecoins si el Congreso autoriza el pago de intereses
El sistema bancario tradicional acaba de identificar a su mayor "enemigo" hasta la fecha, y no es el Bitcoin volátil, sino el dólar digital estable. Brian Moynihan, CEO de Bank of America, lanzó una advertencia incendiaria: un tercio de todos los depósitos comerciales de EE. UU. (unos $6 billones de dólares) podría abandonar los bancos tradicionales para refugiarse en stablecoins si el marco regulatorio permite que estas paguen intereses a sus usuarios.
Amenaza al Depósito Tradicional: Moynihan sostiene que las stablecoins que generan rendimientos representan un riesgo material para la estabilidad de los bancos, ya que ofrecen una alternativa más ágil y rentable que las cuentas de ahorro convencionales.
Parálisis del Crédito: El CEO argumenta que, a diferencia de los bancos que "reciclan" el dinero en préstamos para familias y empresas, las stablecoins funcionan como fondos mutuos del mercado monetario, estacionando el capital en bonos del Tesoro y drenando la liquidez del sistema crediticio real.
El Factor Regulatorio: La preocupación surge ante la posibilidad de que el Congreso de EE. UU. apruebe leyes que den claridad y permitan a los emisores de stablecoins competir directamente con la banca en la oferta de intereses.
Respaldado por el Tesoro: Moynihan no habla por hablar; citó estudios apoyados por el Departamento del Tesoro de EE. UU. que confirman este potencial éxodo de capital hacia activos digitales.
Impacto Macroeconómico: Una migración de esta escala obligaría a los bancos a subir drásticamente sus tasas para retener clientes o, en el peor de los casos, a reducir drásticamente su capacidad de otorgar hipotecas y préstamos comerciales.
#CryptoNews
$BTC
$ASTER
$IP
Bank of America advierte fuga de $6 billones hacia #Stablecoins si el Congreso autoriza el pago de intereses
El sistema bancario tradicional acaba de identificar a su mayor "enemigo" hasta la fecha, y no es el Bitcoin volátil, sino el dólar digital estable. Brian Moynihan, CEO de Bank of America, lanzó una advertencia incendiaria: un tercio de todos los depósitos comerciales de EE. UU. (unos $6 billones de dólares) podría abandonar los bancos tradicionales para refugiarse en stablecoins si el marco regulatorio permite que estas paguen intereses a sus usuarios.
Amenaza al Depósito Tradicional: Moynihan sostiene que las stablecoins que generan rendimientos representan un riesgo material para la estabilidad de los bancos, ya que ofrecen una alternativa más ágil y rentable que las cuentas de ahorro convencionales.
Parálisis del Crédito: El CEO argumenta que, a diferencia de los bancos que "reciclan" el dinero en préstamos para familias y empresas, las stablecoins funcionan como fondos mutuos del mercado monetario, estacionando el capital en bonos del Tesoro y drenando la liquidez del sistema crediticio real.
El Factor Regulatorio: La preocupación surge ante la posibilidad de que el Congreso de EE. UU. apruebe leyes que den claridad y permitan a los emisores de stablecoins competir directamente con la banca en la oferta de intereses.
Respaldado por el Tesoro: Moynihan no habla por hablar; citó estudios apoyados por el Departamento del Tesoro de EE. UU. que confirman este potencial éxodo de capital hacia activos digitales.
Impacto Macroeconómico: Una migración de esta escala obligaría a los bancos a subir drásticamente sus tasas para retener clientes o, en el peor de los casos, a reducir drásticamente su capacidad de otorgar hipotecas y préstamos comerciales.
#CryptoNews
$BTC
$ASTER
$IP
Blackninjatrader2:
Se estan preocupando los bancos por que si las monedas estables les quitan capital a los banco pasaran de ganar 3 mil millones anuales a ganar solo 2mil millones! Ambisiosos!
ترجمة
🚨 HEADLINE : 🇺🇸 US BANKS FACE "$6 TRILLION DRAIN" BY STABLECOIN.
U.S. Banks just admitted to the COMPETITIVENESS of Stablecoins.
In an interview Bank of America's CEO Brian Moynihan passed a WARNING predicting a "$6 trillion" drain from U.S. Banks by interest-bearing Stablecoins, crippling lending and sending borrowing costs soaring.
THIS IS AN INCREDIBLY PRECISE NUMBER
Indicating only increased FEAR of Stablecoins by BANKS.
Add to watchlist : $GUN | $DUSK |$GLMR
Banks vs Stablecoins
WHO WILL WIN THIS STRUGGLE FOR ECONOMIC DOMINANCE??
#Stablecoins #Crypto #BankOfAmerica #BTC100kNext? #MarketRebound
U.S. Banks just admitted to the COMPETITIVENESS of Stablecoins.
In an interview Bank of America's CEO Brian Moynihan passed a WARNING predicting a "$6 trillion" drain from U.S. Banks by interest-bearing Stablecoins, crippling lending and sending borrowing costs soaring.
THIS IS AN INCREDIBLY PRECISE NUMBER
Indicating only increased FEAR of Stablecoins by BANKS.
Add to watchlist : $GUN | $DUSK |$GLMR
Banks vs Stablecoins
WHO WILL WIN THIS STRUGGLE FOR ECONOMIC DOMINANCE??
#Stablecoins #Crypto #BankOfAmerica #BTC100kNext? #MarketRebound
ترجمة
📣 Dự luật Cấu trúc Thị trường Crypto: Đảng Dân chủ Đối Thoại với Ngành Crypto!
Sau khi phiên họp dự luật cấu trúc thị trường tài sản số tại Ủy ban Ngân hàng Thượng viện Mỹ bị hoãn lại giữa căng thẳng với các công ty lớn trong ngành, các Thượng nghị sĩ Đảng Dân chủ vừa có động thái mới: họ đang lên kế hoạch một cuộc gọi bàn tròn với đại diện từ ngành crypto vào thứ Sáu để tiếp tục đàm phán về dự luật này.
Động thái này nhằm duy trì tiến trình đạt được một quan điểm lưỡng đảng cho một trong những văn kiện quan trọng nhất định hình tương lai quy định tiền mã hóa ở Hoa Kỳ. Cuộc gọi dự kiến sẽ có sự tham gia của đại diện từ cả Ủy ban Ngân hàng lẫn Ủy ban Nông nghiệp Thượng viện.
🔍 Nội dung trong đàm phán:
Một trong những nội dung chính được đưa ra thảo luận là cách thức xử lý phần thưởng stablecoin — một trong những điểm tranh cãi lớn giữa các nhà lập pháp và các sàn + dự án crypto. Vấn đề này liên quan trực tiếp tới quy định về lợi suất stablecoin, tính cạnh tranh với hệ thống ngân hàng truyền thống, và sự an toàn của người dùng.
Một số nhà quan sát cho rằng nếu các bên tìm được điểm chung về stablecoin, phân định thẩm quyền giữa SEC & CFTC, và các nguyên tắc DeFi, thì dự luật vẫn có cơ hội được thúc đẩy và có thể tạo ra khuôn khổ pháp lý rõ ràng lâu dài cho crypto tại Hoa Kỳ — điều mà giới đầu tư và tổ chức đã chờ đợi từ lâu.
#Stablecoins #USDT
$BNB $SOL $XRP
Sau khi phiên họp dự luật cấu trúc thị trường tài sản số tại Ủy ban Ngân hàng Thượng viện Mỹ bị hoãn lại giữa căng thẳng với các công ty lớn trong ngành, các Thượng nghị sĩ Đảng Dân chủ vừa có động thái mới: họ đang lên kế hoạch một cuộc gọi bàn tròn với đại diện từ ngành crypto vào thứ Sáu để tiếp tục đàm phán về dự luật này.
Động thái này nhằm duy trì tiến trình đạt được một quan điểm lưỡng đảng cho một trong những văn kiện quan trọng nhất định hình tương lai quy định tiền mã hóa ở Hoa Kỳ. Cuộc gọi dự kiến sẽ có sự tham gia của đại diện từ cả Ủy ban Ngân hàng lẫn Ủy ban Nông nghiệp Thượng viện.
🔍 Nội dung trong đàm phán:
Một trong những nội dung chính được đưa ra thảo luận là cách thức xử lý phần thưởng stablecoin — một trong những điểm tranh cãi lớn giữa các nhà lập pháp và các sàn + dự án crypto. Vấn đề này liên quan trực tiếp tới quy định về lợi suất stablecoin, tính cạnh tranh với hệ thống ngân hàng truyền thống, và sự an toàn của người dùng.
Một số nhà quan sát cho rằng nếu các bên tìm được điểm chung về stablecoin, phân định thẩm quyền giữa SEC & CFTC, và các nguyên tắc DeFi, thì dự luật vẫn có cơ hội được thúc đẩy và có thể tạo ra khuôn khổ pháp lý rõ ràng lâu dài cho crypto tại Hoa Kỳ — điều mà giới đầu tư và tổ chức đã chờ đợi từ lâu.
#Stablecoins #USDT
$BNB $SOL $XRP
في خطوة مفاجئة، لكن محسوبة بدقة، أعلنت Polygon عن تقليص كبير في عدد موظفيها 💼⚡
حوالي 30% من الفريق غادروا الشركة هذا الأسبوع… والسبب؟ تحول استراتيجي عميق.
ما الذي يحدث داخل Polygon؟
• إعادة هيكلة داخلية بعد استحواذات كبرى
• انتقال واضح نحو قطاع المدفوعات بالعملات المستقرة
• دمج فرق Coinme و Sequence بعد صفقة بلغت 250 مليون دولار
هذه ليست أزمة…
بل إعادة تموضع ذكية استعداداً للمرحلة القادمة من السوق.
🎯 الرسالة واضحة:
Polygon لا تقلّص طموحاتها،
بل تعيد ترتيب أوراقها لتكون أقوى وأكثر تركيزاً.
حتى إدارة Polygon أكدت أن
📌 عدد الموظفين الإجمالي سيبقى مستقراً
📌 والتغييرات جزء طبيعي من دمج الفرق بعد الاستحواذ
💬 في عالم الكريبتو،
النجاح لا يعني الثبات…
بل القدرة على التغيير في الوقت المناسب.
🔁 ما رأيك بهذه الخطوة؟
هل تراها قراراً جريئاً أم مخاطرة؟
اكتب رأيك، وشارك المنشور، ولا تنسَ الإعجاب 👇🔥
$POL
#CryptoNews
#blockchain
#Web3
#Stablecoins
#CryptoPayments
حوالي 30% من الفريق غادروا الشركة هذا الأسبوع… والسبب؟ تحول استراتيجي عميق.
ما الذي يحدث داخل Polygon؟
• إعادة هيكلة داخلية بعد استحواذات كبرى
• انتقال واضح نحو قطاع المدفوعات بالعملات المستقرة
• دمج فرق Coinme و Sequence بعد صفقة بلغت 250 مليون دولار
هذه ليست أزمة…
بل إعادة تموضع ذكية استعداداً للمرحلة القادمة من السوق.
🎯 الرسالة واضحة:
Polygon لا تقلّص طموحاتها،
بل تعيد ترتيب أوراقها لتكون أقوى وأكثر تركيزاً.
حتى إدارة Polygon أكدت أن
📌 عدد الموظفين الإجمالي سيبقى مستقراً
📌 والتغييرات جزء طبيعي من دمج الفرق بعد الاستحواذ
💬 في عالم الكريبتو،
النجاح لا يعني الثبات…
بل القدرة على التغيير في الوقت المناسب.
🔁 ما رأيك بهذه الخطوة؟
هل تراها قراراً جريئاً أم مخاطرة؟
اكتب رأيك، وشارك المنشور، ولا تنسَ الإعجاب 👇🔥
$POL
#CryptoNews
#blockchain
#Web3
#Stablecoins
#CryptoPayments
ترجمة
Bank of America CEO Warns $6 Trillion In Deposits At Risk From Interest-Bearing Stablecoins
Bank of America CEO Brian Moynihan has warned that if stablecoin issuers are permitted to pay interest, up to $6 trillion in deposits could leave the U.S. banking system. This potential shift, representing about 30% to 35% of all U.S. commercial bank deposits, could significantly reduce the capacity for banks to lend and thereby increase borrowing costs, especially for small and mid-sized businesses.
Key Insights
Comparison to Money Market Funds: Moynihan explained that stablecoins often function similarly to money market mutual funds, investing reserves in safe, short-term instruments like U.S. Treasuries rather than using them for traditional bank lending.
Legislative Debate: The warning comes amid an ongoing debate in the U.S. Senate regarding a crypto market structure bill. A provision in the current draft aims to prevent stablecoin issuers from paying interest on idle balances to protect the traditional banking system.
Industry Response: The banking industry is lobbying heavily for restrictions on stablecoin yields. Conversely, some crypto firms, including Coinbase, have opposed certain provisions in the bill, arguing that activity-based rewards should be permitted.
Bank of America's Position: Despite the warning about systemic risk, Moynihan stated that Bank of America itself would adapt to customer demand and offer stablecoin products if regulations allow, though he believes the broader banking system would be impacted.
#BankOfAmerica #BrianMoynihan #Stablecoins #BankingCrisis #CryptoRegulation
Bank of America CEO Brian Moynihan has warned that if stablecoin issuers are permitted to pay interest, up to $6 trillion in deposits could leave the U.S. banking system. This potential shift, representing about 30% to 35% of all U.S. commercial bank deposits, could significantly reduce the capacity for banks to lend and thereby increase borrowing costs, especially for small and mid-sized businesses.
Key Insights
Comparison to Money Market Funds: Moynihan explained that stablecoins often function similarly to money market mutual funds, investing reserves in safe, short-term instruments like U.S. Treasuries rather than using them for traditional bank lending.
Legislative Debate: The warning comes amid an ongoing debate in the U.S. Senate regarding a crypto market structure bill. A provision in the current draft aims to prevent stablecoin issuers from paying interest on idle balances to protect the traditional banking system.
Industry Response: The banking industry is lobbying heavily for restrictions on stablecoin yields. Conversely, some crypto firms, including Coinbase, have opposed certain provisions in the bill, arguing that activity-based rewards should be permitted.
Bank of America's Position: Despite the warning about systemic risk, Moynihan stated that Bank of America itself would adapt to customer demand and offer stablecoin products if regulations allow, though he believes the broader banking system would be impacted.
#BankOfAmerica #BrianMoynihan #Stablecoins #BankingCrisis #CryptoRegulation
ترجمة
BANKS ARE FREAKING OUT OVER STABLECOIN YIELDS 😱
Paul Barron translates the JP Morgan earnings call with Matt Hougan of Bitwise.
The core of the issue isn't just competition; it's a fundamental threat to how banks make money. 🏦
💰 The Math: If a consumer can move their money from a bank account paying 0.1% to a digital dollar (stablecoin) paying 4%, they will.
#Stablecoins #BTC100kNext?
$BTC
Paul Barron translates the JP Morgan earnings call with Matt Hougan of Bitwise.
The core of the issue isn't just competition; it's a fundamental threat to how banks make money. 🏦
💰 The Math: If a consumer can move their money from a bank account paying 0.1% to a digital dollar (stablecoin) paying 4%, they will.
#Stablecoins #BTC100kNext?
$BTC
ترجمة
🚨 BIG MOVE IN CRYPTO: Solana Dominates All Chains in 24H Stablecoin Inflows 🚀
$SOL
Solana just sent a loud signal to the entire crypto market — and it’s impossible to ignore.
In the last 24 hours, Solana recorded the highest net stablecoin supply increase across all blockchains, pulling in a massive $800 million in fresh stablecoin liquidity. 📈🔥
No other chain came close.
Why This Matters (A Lot)
Stablecoins are not “passive” capital.
They are dry powder — liquidity waiting to be deployed.
When hundreds of millions in stablecoins flow into a single network, it usually means one thing:
Smart money is positioning early.
This surge suggests:
Rising demand for Solana-based DeFi protocolsIncreased on-chain activity and user participationStrong confidence in Solana’s speed, scalability, and low fees
Liquidity Flows Before Price Moves
Historically, stablecoin inflows lead price action, not the other way around.
Capital arrives first.
Opportunities get built next.
Price follows later.
Solana absorbing $800M in 24 hours signals that traders, funds, and institutions are actively preparing for:
DeFi expansionEcosystem growthHigher on-chain volumes
This isn’t speculation — it’s capital committing on-chain.
Solana’s Momentum Is Accelerating
With:
Consistently high throughputRapid ecosystem developmentGrowing user and developer adoption
Solana is increasingly becoming the liquidity hub of this cycle.
While many are still watching charts, the real story is happening on-chain.
Final Take
Stablecoins don’t chase narratives — they chase opportunity.
And right now, the data is clear:
Solana is where the money is flowing.
Keep your eyes on liquidity.
That’s where the next move is born. ⚡️
Solana just sent a loud signal to the entire crypto market — and it’s impossible to ignore.
In the last 24 hours, Solana recorded the highest net stablecoin supply increase across all blockchains, pulling in a massive $800 million in fresh stablecoin liquidity. 📈🔥
No other chain came close.
Why This Matters (A Lot)
Stablecoins are not “passive” capital.
They are dry powder — liquidity waiting to be deployed.
When hundreds of millions in stablecoins flow into a single network, it usually means one thing:
Smart money is positioning early.
This surge suggests:
Rising demand for Solana-based DeFi protocolsIncreased on-chain activity and user participationStrong confidence in Solana’s speed, scalability, and low fees
Liquidity Flows Before Price Moves
Historically, stablecoin inflows lead price action, not the other way around.
Capital arrives first.
Opportunities get built next.
Price follows later.
Solana absorbing $800M in 24 hours signals that traders, funds, and institutions are actively preparing for:
DeFi expansionEcosystem growthHigher on-chain volumes
This isn’t speculation — it’s capital committing on-chain.
Solana’s Momentum Is Accelerating
With:
Consistently high throughputRapid ecosystem developmentGrowing user and developer adoption
Solana is increasingly becoming the liquidity hub of this cycle.
While many are still watching charts, the real story is happening on-chain.
Final Take
Stablecoins don’t chase narratives — they chase opportunity.
And right now, the data is clear:
Solana is where the money is flowing.
Keep your eyes on liquidity.
That’s where the next move is born. ⚡️
ترجمة
📊 Europa en alerta: datos macro y cripto listos para movimientos en 24 h 🔥
Hoy los mercados europeos estarán pendientes de nuevas cifras de inflación preliminares en la eurozona, que podrían reforzar expectativas del #BCE sobre política monetaria si muestran presiones desinflacionarias crecientes, lo que influye directamente en la liquidez global y el apetito por riesgo, afectando a $BTC y #altcoins .
Además, crecerá el enfoque en el progreso del proyecto del euro digital, con avances previstos en discusiones regulatorias que pueden redefinir el papel de activos digitales y #Stablecoins frente a las criptomonedas descentralizadas.
En las próximas 24 h, traders cripto deben vigilar datos de inflación y anuncios del BCE que podrían generar alta volatilidad en pares BTC/EUR y ETH/EUR.
#CryptoNews #bitcoin
Hoy los mercados europeos estarán pendientes de nuevas cifras de inflación preliminares en la eurozona, que podrían reforzar expectativas del #BCE sobre política monetaria si muestran presiones desinflacionarias crecientes, lo que influye directamente en la liquidez global y el apetito por riesgo, afectando a $BTC y #altcoins .
Además, crecerá el enfoque en el progreso del proyecto del euro digital, con avances previstos en discusiones regulatorias que pueden redefinir el papel de activos digitales y #Stablecoins frente a las criptomonedas descentralizadas.
En las próximas 24 h, traders cripto deben vigilar datos de inflación y anuncios del BCE que podrían generar alta volatilidad en pares BTC/EUR y ETH/EUR.
#CryptoNews #bitcoin
ترجمة
🚀 Ripple & LMAX Group: A $150M Leap for Institutional Crypto Adoption!
Major news for the crypto-financial ecosystem! Ripple is providing $150 million in funding to LMAX Group to integrate the new RLUSD stablecoin into its institutional trading infrastructure.
Key Highlights:
🔹 RLUSD as Collateral: Banks, brokers, and institutional investors can now use Ripple USD as a primary margin asset.
🔹 Multi-Asset Settlements: The stablecoin will be used for spot crypto, perpetual futures, CFDs, and various fiat currency pairs.
🔹 Regulation-First Approach: LMAX Group CEO David Mercer noted that this partnership reflects growing regulatory clarity, positioning fiat-backed stablecoins as the backbone of a new market structure.
Ripple is clearly positioning RLUSD to be the go-to stablecoin for the "big players." The competition in the stablecoin space is officially heating up! 📈
#Ripple #RLUSD #LMAX #CryptoNews #Stablecoins
Major news for the crypto-financial ecosystem! Ripple is providing $150 million in funding to LMAX Group to integrate the new RLUSD stablecoin into its institutional trading infrastructure.
Key Highlights:
🔹 RLUSD as Collateral: Banks, brokers, and institutional investors can now use Ripple USD as a primary margin asset.
🔹 Multi-Asset Settlements: The stablecoin will be used for spot crypto, perpetual futures, CFDs, and various fiat currency pairs.
🔹 Regulation-First Approach: LMAX Group CEO David Mercer noted that this partnership reflects growing regulatory clarity, positioning fiat-backed stablecoins as the backbone of a new market structure.
Ripple is clearly positioning RLUSD to be the go-to stablecoin for the "big players." The competition in the stablecoin space is officially heating up! 📈
#Ripple #RLUSD #LMAX #CryptoNews #Stablecoins
ترجمة
The Future of Payments: Why Stablecoins Will Dominate 2026 💸🚀
The future of money is changing — and it’s not Bitcoin$BTC ! 💸
Mastercard, $XRP Ripple, and $TON Telegram are all moving fast into stablecoins and digital assets.
In this video, I break down exactly how global payments will evolve, why $100B/month is already moving through stablecoins, and what it means for traders like YOU. 🚀
If you want to stay ahead in crypto, this is a MUST WATCH!
🔔 Follow @Crypto_Crush246 for more pro crypto insights!
#crypto #Stablecoins #Ripple #USDC #RLUSD
The future of money is changing — and it’s not Bitcoin$BTC ! 💸
Mastercard, $XRP Ripple, and $TON Telegram are all moving fast into stablecoins and digital assets.
In this video, I break down exactly how global payments will evolve, why $100B/month is already moving through stablecoins, and what it means for traders like YOU. 🚀
If you want to stay ahead in crypto, this is a MUST WATCH!
🔔 Follow @Crypto_Crush246 for more pro crypto insights!
#crypto #Stablecoins #Ripple #USDC #RLUSD
ترجمة
$BTC Grandes bancos acabaram de atrasar o projeto de lei sobre a estrutura do mercado cripto
Esse atraso não foi aleatório — foi defensivo. O Projeto de Lei da Estrutura do Mercado Cripto estagnou porque os grandes bancos não querem concorrência real. DeFi e stablecoins ameaçam diretamente seu motor de lucro, e esse projeto — em sua forma atual — protege os incumbentes em vez da inovação.
Até o CFO do JPMorgan admitiu em voz alta a parte silenciosa: se as stablecoins forem permitidas a oferecer rendimento, os bancos enfrentam enormes saídas de depósitos. Essa única frase explica tudo. É também por isso que Brian Armstrong alertou publicamente que nenhum projeto é melhor do que um projeto ruim. Não contra regulamentação — contra captura de bancos.
O que esse projeto realmente faz é alarmante:
• Ações tokenizadas quase bloqueadas
• DeFi tratado
como bancos com reportagens em massa• SEC ganha poder, inovação desacelera
• Rendimento de stablecoin potencialmente proibido
Ligue os pontos. Menos DeFi. Menor rendimento. Menos tokenização. Menos concorrência para os bancos.
Isso é regulamento... Ou protecionismo?
#crypto #JPMorgan #defi #Stablecoins #MarketRebound
Esse atraso não foi aleatório — foi defensivo. O Projeto de Lei da Estrutura do Mercado Cripto estagnou porque os grandes bancos não querem concorrência real. DeFi e stablecoins ameaçam diretamente seu motor de lucro, e esse projeto — em sua forma atual — protege os incumbentes em vez da inovação.
Até o CFO do JPMorgan admitiu em voz alta a parte silenciosa: se as stablecoins forem permitidas a oferecer rendimento, os bancos enfrentam enormes saídas de depósitos. Essa única frase explica tudo. É também por isso que Brian Armstrong alertou publicamente que nenhum projeto é melhor do que um projeto ruim. Não contra regulamentação — contra captura de bancos.
O que esse projeto realmente faz é alarmante:
• Ações tokenizadas quase bloqueadas
• DeFi tratado
como bancos com reportagens em massa• SEC ganha poder, inovação desacelera
• Rendimento de stablecoin potencialmente proibido
Ligue os pontos. Menos DeFi. Menor rendimento. Menos tokenização. Menos concorrência para os bancos.
Isso é regulamento... Ou protecionismo?
#crypto #JPMorgan #defi #Stablecoins #MarketRebound
ترجمة
🔥 CRYPTO MARKET – QUICK COMMUNITY UPDATE 🔥
🇺🇸 US crypto market structure bill has been delayed as the Senate markup was postponed. Several industry leaders, including the Coinbase CEO, withdrew support due to concerns around consumer protection and fair competition.
➡️ This delay isn’t necessarily bearish — it could lead to a clearer and more balanced final framework.
💵 Stablecoins are heating up:
• Major payment partnerships (e.g., Visa-linked rails)
• New issuances and growing real-world use cases
➡️ Strong signal of increasing mainstream adoption.
🔵 ETH:
Bullish momentum remains. If liquidity and sentiment align, the $4.1K zone is in focus.
🟣 XRP:
Bullish signals are active. A move toward the $2.80 area is being discussed if momentum continues.
🧠 Bottom line:
Short-term regulatory noise,
long-term adoption + liquidity remain bullish.
#Crypto #MarketUpdate #ETH #XRP #Stablecoins
🇺🇸 US crypto market structure bill has been delayed as the Senate markup was postponed. Several industry leaders, including the Coinbase CEO, withdrew support due to concerns around consumer protection and fair competition.
➡️ This delay isn’t necessarily bearish — it could lead to a clearer and more balanced final framework.
💵 Stablecoins are heating up:
• Major payment partnerships (e.g., Visa-linked rails)
• New issuances and growing real-world use cases
➡️ Strong signal of increasing mainstream adoption.
🔵 ETH:
Bullish momentum remains. If liquidity and sentiment align, the $4.1K zone is in focus.
🟣 XRP:
Bullish signals are active. A move toward the $2.80 area is being discussed if momentum continues.
🧠 Bottom line:
Short-term regulatory noise,
long-term adoption + liquidity remain bullish.
#Crypto #MarketUpdate #ETH #XRP #Stablecoins
ترجمة
🇵🇰🤝 Pakistan x World Liberty Financial $WLFI $usd1
🇵🇰🤝 Pakistan x $WLFI
Pakistan has taken a meaningful step toward digital finance.
The Government of Pakistan has signed a MoU with World Liberty Financial through its affiliate to explore blockchain-based financial solutions, with a focus on stablecoins and digital payments.
🔍 Overview :
The MoU focuses on research and pilot frameworks, not immediate rollout. Both sides will study how USD-pegged stablecoins can support regulated digital payments and remittances within Pakistan’s financial system.
🧱 Key Areas of Collaboration
• Cross-border payments & remittances
• Stablecoin settlement infrastructure
• Compliance-first digital finance models
• Support for Pakistan’s evolving crypto regulations
🪙 About the $WLFI Project
World Liberty Financial is a blockchain-based financial initiative working on regulated stablecoin solutions designed for payments, liquidity, and global value transfer. The project emphasizes institutional alignment, transparency, and real-world use cases, rather than speculation.
Core token of the WLFI ecosystem
$USD1
Type: USD-pegged StablecoinPurpose:Digital payments Cross-border remittancesStable value transferRole: Payments & settlement layer
Ecosystem Focus
$WLFI tokens are designed for:
• Regulated financial use cases
• Institutional adoption
💡 Why This Matters
Pakistan receives over $30B+ annually in remittances. Even small efficiency gains could:
Reduce transfer costs Improve settlement speedIncrease financial inclusion
This is infrastructure exploration.
📊 A signal that Pakistan is preparing for the next phase of digital finance
@CforCryptoDxb Education over hype
Share & repost
#WLFI #USD1 #Pakistan #Stablecoins #CrossBorder
Pakistan has taken a meaningful step toward digital finance.
The Government of Pakistan has signed a MoU with World Liberty Financial through its affiliate to explore blockchain-based financial solutions, with a focus on stablecoins and digital payments.
🔍 Overview :
The MoU focuses on research and pilot frameworks, not immediate rollout. Both sides will study how USD-pegged stablecoins can support regulated digital payments and remittances within Pakistan’s financial system.
🧱 Key Areas of Collaboration
• Cross-border payments & remittances
• Stablecoin settlement infrastructure
• Compliance-first digital finance models
• Support for Pakistan’s evolving crypto regulations
🪙 About the $WLFI Project
World Liberty Financial is a blockchain-based financial initiative working on regulated stablecoin solutions designed for payments, liquidity, and global value transfer. The project emphasizes institutional alignment, transparency, and real-world use cases, rather than speculation.
Core token of the WLFI ecosystem
$USD1
Type: USD-pegged StablecoinPurpose:Digital payments Cross-border remittancesStable value transferRole: Payments & settlement layer
Ecosystem Focus
$WLFI tokens are designed for:
• Regulated financial use cases
• Institutional adoption
💡 Why This Matters
Pakistan receives over $30B+ annually in remittances. Even small efficiency gains could:
Reduce transfer costs Improve settlement speedIncrease financial inclusion
This is infrastructure exploration.
📊 A signal that Pakistan is preparing for the next phase of digital finance
@CforCryptoDxb Education over hype
Share & repost
#WLFI #USD1 #Pakistan #Stablecoins #CrossBorder
ترجمة
💰 Ripple’s RLUSD Stablecoin Hits New Heights
Ripple’s dollar-pegged stablecoin RLUSD has climbed to a new all-time market cap above $1.38 billion, showing rising institutional demand. The growth is driven by its regulatory-focused design, issuance under a New York trust framework, and expanding use in payments, settlements, and DeFi.
RLUSD operates on both Ethereum and the XRP Ledger, combining liquidity with fast, low-cost transfers. Analysts say the milestone highlights increasing confidence in regulated stablecoins as bridges between traditional finance and crypto markets.
#Ripple #RLUSD #Stablecoins #DigitalDollar #XRP#Ethereum #Payments #DeFi
$ETH
$XRP
$BTC
Ripple’s dollar-pegged stablecoin RLUSD has climbed to a new all-time market cap above $1.38 billion, showing rising institutional demand. The growth is driven by its regulatory-focused design, issuance under a New York trust framework, and expanding use in payments, settlements, and DeFi.
RLUSD operates on both Ethereum and the XRP Ledger, combining liquidity with fast, low-cost transfers. Analysts say the milestone highlights increasing confidence in regulated stablecoins as bridges between traditional finance and crypto markets.
#Ripple #RLUSD #Stablecoins #DigitalDollar #XRP#Ethereum #Payments #DeFi
$ETH
$XRP
$BTC
ترجمة
До $6 трлн могут утечь из банков в стейблкоины
Глава Bank of America Брайан Мойнихан заявил: если стейблкоинам разрешат начислять проценты, банковская система США рискует потерять до $6 трлн депозитов — это около 30–35% всех вкладов коммерческих банков.
🔍 Почему банки бьют тревогу:
• Процентные стейблкоины напрямую конкурируют с банковскими депозитами
• Обеспечивающие их активы идут в гособлигации, минуя кредитование экономики
• Сокращение депозитов = меньше кредитов или более дорогие займы
📜 Регуляторный момент:
Текущий законопроект CLARITY запрещает пассивный доход по стейблкоинам, но допускает вознаграждения за активное использование (стейкинг, ликвидность, залог).
⚖️ Противостояние между банками и криптоиндустрией выходит на новый уровень — на кону триллионы долларов и будущая архитектура финансовой системы.
$BTC #Stablecoins #BankOfAmerica
Глава Bank of America Брайан Мойнихан заявил: если стейблкоинам разрешат начислять проценты, банковская система США рискует потерять до $6 трлн депозитов — это около 30–35% всех вкладов коммерческих банков.
🔍 Почему банки бьют тревогу:
• Процентные стейблкоины напрямую конкурируют с банковскими депозитами
• Обеспечивающие их активы идут в гособлигации, минуя кредитование экономики
• Сокращение депозитов = меньше кредитов или более дорогие займы
📜 Регуляторный момент:
Текущий законопроект CLARITY запрещает пассивный доход по стейблкоинам, но допускает вознаграждения за активное использование (стейкинг, ликвидность, залог).
⚖️ Противостояние между банками и криптоиндустрией выходит на новый уровень — на кону триллионы долларов и будущая архитектура финансовой системы.
$BTC #Stablecoins #BankOfAmerica
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