Worlds largest credit rating agency S&P Global says “Bitcoin is starting to emerge as an asset that can be used as collateral in financial operations.”
SAYLOR: As banks like Citi roll out Bitcoin offerings and move into Bitcoin-backed credit, their impact on Bitcoin’s price will dwarf that of miners, likely by a factor of 10.
لهذا السبب، تُعد بينانس الشريك الحصري والراعي الاستراتيجي لهذا البحث
1/5 يعتقد الكثيرون أن البلوكشين لا يزال في مرحلة التجربة، لكن في دولة الإمارات، انتهت تلك المرحلة. كشف تقرير بحثي رئيسي صادر عن مركز البلوكشين في أبوظبي أن الدولة انتقلت من مرحلة الاختبارات إلى بناء بنية تحتية حقيقية ومنظمة للمدفوعات، والحكومة، والأسواق.
2/5 الأرقام تعكس حجماً هائلاً؛ ففي أول عشرة أشهر من عام 2025، عالجت الإمارات أكثر من 20 تريليون درهم من التحويلات المحلية. ومع إرسال 95% من السكان لتحويلات دولية ووجود 11 مليون مستخدم للهوية الرقمية UAE Pass، أصبح البلوكشين العمود الفقري غير المرئي للحياة اليومية. 3/5 الأمر لا يتعلق بالنظريات بل بالتنفيذ الفعلي؛ من ترميز العقارات والصكوك إلى مدفوعات التجارة الإلكترونية الرقمية التي تشكل الآن 71% من السوق. تثبت الإمارات أن تقنيات الكريبتو هي جزء أساسي من أساسات الاقتصاد الحديث. 4/5 لهذا السبب، تُعد بينانس الشريك الحصري والراعي الاستراتيجي لهذا البحث. لقد تطورت بينانس لتتجاوز كونها مجرد تطبيق للتداول، حيث تعمل اليوم كمطور لمنظومة مؤسسية ومنظمة، وجزء حيوي من طبقة البنية التحتية التي تدعم التمويل الرقمي في المنطقة. 5/5 من خلال دعم الامتثال وحالات الاستخدام الواقعية — مثل استثمار MGX لمبلغ 2 مليار دولار عبر بنية تحتية منظمة للعملات المستقرة — تساهم بينانس في بناء العمود الفقري للكريبتو في الإمارات. هذا هو الشكل الحقيقي لتبني التقنية على مستوى وطني. #USIranStandoff $BTC
This is why Binance is the exclusive exchange partner
1/5 Most people think blockchain is still experimental. In the UAE, that era is over. A major new report from The Blockchain Center Abu Dhabi reveals that the nation has moved from testing to building real, regulated infrastructure for payments, government, and markets. 2/5 The scale is massive. In just the first ten months of 2025, the UAE processed over AED 20 trillion in domestic transfers. With 95% of residents sending international remittances and 11 million users on UAE Pass, blockchain is becoming the invisible backbone of daily life.
3/5 This isn't just about theory; it's about execution. From the tokenization of real estate and sukuk to digital e-commerce payments (now 71% of the market), the UAE is proving that crypto tech belongs in the foundation of a modern economy. 4/5 This is why Binance is the exclusive exchange partner for this research. Binance has evolved far beyond a trading app. Today, it acts as a regulated, institutional ecosystem builder and a key part of the infrastructure layer supporting digital finance across the region.
5/5 By supporting compliance and real-world use cases—like MGX investing USD 2 billion through regulated stablecoin infrastructure—Binance is helping build the backbone of crypto in the UAE. This is what real, national-scale adoption looks like. - Follow our account @DrZayed for the latest crypto news. #WhaleDeRiskETH $BTC
Illinois proposes a budget-neutral Community Bitcoin Reserve, starting with Altgeld
- Follow our account @DrZayed for the latest crypto news. Illinois proposes a budget-neutral Community Bitcoin Reserve, starting with Altgeld and secured in multisig cold storage. In early 2026, Illinois state legislators introduced the Community Bitcoin Reserve Act (Senate Bill 3743 and House Bill 5621), a groundbreaking proposal that shifts the conversation of state-level digital asset strategy from speculative investment to community-based resilience. At its core, the bill seeks to establish the first-in-the-nation Community Bitcoin Reserve Program, anchored by the recognition of the Altgeld Bitcoin Reserve as its inaugural site. Unlike previous attempts to create broad state strategic reserves that faced criticism over market volatility and taxpayer risk, this 2026 framework is built on three strict pillars: budget neutrality, localized benefit, and a multisignature cold-storage custody model. By focusing on these elements, Illinois aims to demonstrate how decentralized assets can be utilized as long-term saving mechanisms for historically underserved communities without straining the state's general fund. The Vision of a Budget Neutral Reserve A defining feature of the Community Bitcoin Reserve Act is its commitment to fiscal neutrality. The legislation explicitly states that the acquisition of bitcoin for the reserve must be conducted in a budget-neutral manner. This means that the program does not rely on new taxes or the issuance of additional public debt to build its holdings. Instead, the act outlines specific mechanisms for funding: 1. Reallocation of existing program surpluses or unspent balances from previous fiscal years. 2. Use of fee-generated or self-funded accounts that are not derived from the state’s general revenue. 3. Acceptance of bitcoin donations from private individuals, non-profits, or entities wishing to support community financial literacy and growth. By removing the reliance on general taxpayer funds, the proposal sidesteps the primary political hurdle that often stymies crypto-related legislation. It frames bitcoin not as a drain on resources, but as a digital endowment for the future. The Altgeld Model: Community First The program begins with the Altgeld Bitcoin Reserve (ABR) in Chicago’s Altgeld Gardens. This choice is deeply symbolic and intentional. Altgeld Gardens, a community with a rich history of environmental and social activism, has often faced systemic barriers to asset ownership and long-horizon financial planning. The 2026 bill builds on a 2025 House Resolution (HR 446) that commended the Altgeld community for its leadership in financial empowerment. Under the new Act, the ABR serves as the pilot for a broader state-supported network. The goal is to create a deflationary community savings model where the scarcity of bitcoin (capped at 21 million units) serves as a hedge against the inflationary pressures that disproportionately affect lower-income households. Security Architecture: Multisig and Cold Storage To maintain public trust and prevent the mismanagement of digital assets, the bill mandates a sophisticated custody structure. All bitcoin held within the reserve must be secured using multisignature (multisig) cold-storage. Cold storage refers to keeping the private keys required to access the bitcoin entirely offline, away from internet-connected devices that are vulnerable to hacking or malware. Multisignature technology adds a second layer of defense by requiring multiple independent approvals to authorize any movement of funds. Under the proposed Illinois framework, the multisig configuration ensures that no single entity—not even the state government or a single community leader—has unilateral control. The keys are distributed among several parties, which may include: 1. The Department of Commerce and Economic Opportunity (DCEO). 2. The ABR Foundation, a nonprofit entity that administers community programs. 3. A state-approved, regulated third-party custodian. 4. A neutral third-party keyholder independent of the state and the community. This M-of-N quorum ensures that even if one key is compromised or lost, the assets remain secure and accessible through the remaining keyholders. Governance and Long-Term Stewardship The Act is not intended for active trading or market timing. In fact, it includes strict non-liquidation clauses. Bitcoin held under the Act cannot be sold, traded, or leveraged unless specifically authorized by new, subsequent legislation passed by the General Assembly. Furthermore, the bill establishes a long-term release schedule. Assets must remain in the reserve for a minimum of five years from the date of acquisition. Starting in the sixth year, limited annual releases may be authorized, but only for specific purposes such as: 1. Funding community education and financial literacy programs. 2. Supporting local youth mentorship and entrepreneurship. 3. Investing in community-designated economic resilience projects. Transparency is maintained through quarterly proof-of-reserve reports and annual independent audits. These reports are submitted to the State Comptroller and made available for public review, allowing citizens to verify the existence and security of the reserves on the blockchain without compromising private key security. The Broader Implications If passed, the Community Bitcoin Reserve Act would position Illinois as a pioneer in the intersection of digital finance and social equity. While other states like Virginia and Wyoming have explored bitcoin as a treasury asset or a means of paying taxes, Illinois is the first to link the asset directly to community-led development and historic financial inclusion. By starting with a localized reserve in Altgeld Gardens and expanding through a budget-neutral, highly secure framework, Illinois is attempting to create a template for the 21st-century digital endowment. This model suggests that the value of digital assets lies not just in their price, but in their ability to serve as a transparent, immutable foundation for generational wealth in the communities that need it most. #USIranStandoff
CFTC expands stablecoin rules to let national trust banks issue
- Follow our account @DrZayed for the latest crypto news. CFTC expands stablecoin rules to let national trust banks issue dollar-pegged tokens under the GENIUS Act framework.: In early 2026, the U.S. Commodity Futures Trading Commission (CFTC) announced a pivotal update to its digital asset collateral framework. By revising existing staff guidance to align with the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act of 2025, the CFTC officially cleared the way for national trust banks to issue and manage dollar-pegged tokens for use in regulated derivatives markets. This move effectively ends a period of regulatory asymmetry where state-chartered entities held an advantage in the institutional stablecoin space, while federally chartered trust banks—often the preferred vehicles for large-scale digital asset firms—were sidelined. The Regulatory Bridge: GENIUS Act and the CFTC The GENIUS Act of 2025 serves as the primary architecture for this expansion. It provides a comprehensive federal framework that classifies payment stablecoins as distinct from traditional securities or commodities, placing them under the primary supervision of banking regulators like the Office of the Comptroller of the Currency (OCC). Under this act, a Permitted Payment Stablecoin Issuer (PPSI) can be a subsidiary of an FDIC-insured bank, a state-qualified issuer for volumes under $10 billion, or an OCC-chartered national trust bank. The CFTC’s recent expansion specifically addresses the third category. By updating its margin rules, the CFTC now allows Futures Commission Merchants (FCMs) to accept stablecoins issued by these national trust banks as eligible collateral. This harmonizes CFTC oversight with the OCC’s December 2025 move to grant national trust bank charters to major industry players. Why National Trust Banks? For years, the crypto industry struggled with charter drift. Companies wanting to operate at a national level without managing 50 different state licenses sought national bank charters. However, full-service commercial bank charters require FDIC insurance and come with heavy restrictions on non-banking activities. National trust banks offered a middle ground. They are federally chartered by the OCC but do not take traditional deposits or make commercial loans. Instead, they focus on fiduciary activities, custody, and—under the new rules—the issuance of payment stablecoins. Key Advantages of the National Trust Charter: Federal Preemption: They can operate across state lines without individual state money transmitter licenses. Single Regulator: Primary oversight comes from the OCC, providing a streamlined compliance path compared to the previous state-by-state patchwork. Institutional Trust: Large institutional players like hedge funds and pension funds are more comfortable using assets issued by a federally regulated bank than by a private non-bank entity. Core Requirements under the GENIUS Act The CFTC's expansion does not mean a free for all. To qualify for issuance and use in CFTC-regulated markets, national trust banks must adhere to the stringent requirements of the GENIUS Act: 1:1 Reserve Backing: Every token must be backed 100% by high-quality liquid assets (HQLA), such as physical U.S. dollars, short-term Treasuries (93 days or less), or overnight repo agreements. No Rehypothecation: Issuers are strictly prohibited from lending out or re-using the reserve assets. This ensures that the reserves are always available for immediate redemption. Public Disclosures: Issuers must publish monthly, third-party-attested reports on the composition of their reserves. Redemption Rights: Holders of the stablecoin must have a clear, legally enforceable right to redeem the token for fiat currency at par value on demand. Market Impact: From Retail to Derivatives Previously, the stablecoin market was dominated by offshore entities or state-regulated firms. While these were popular for retail trading, the institutional pipes of the financial system—specifically the derivatives and futures markets—required a higher level of regulatory certainty. By allowing stablecoins from national trust banks to serve as margin, the CFTC is facilitating a shift in how institutional trades are settled. 1. Instantaneous Margin Calls: Instead of waiting for wire transfers which take hours or days, firms can post stablecoin collateral instantly, 24/7. 2. Liquidity Efficiency: Large firms can keep more of their capital in productive digital formats rather than constantly converting back to fiat to satisfy regulatory margin requirements. 3. Risk Mitigation: Since these tokens are issued by federally chartered banks and backed by Treasuries, they are viewed as cash equivalents, reducing the counterparty risk typically associated with digital assets. The Path Forward The inclusion of national trust banks marks the final step in the institutionalization of stablecoins in the United States. With the CFTC and OCC now aligned under the GENIUS Act, the crypto-native banks that were once viewed as experimental are now being integrated into the core of the U.S. financial system. As more national trust banks receive their charters and begin issuing tokens, we should expect a significant increase in the total market cap of U.S.-regulated stablecoins, potentially challenging the dominance of older, offshore incumbents. #USIranStandoff $BTC
Corporate Bitcoin holdings hit 1.1M $BTC worth $94B in Q4’25
- Follow our account @DrZayed for the latest crypto news. Corporate Bitcoin holdings hit 1.1M $BTC worth $94B in Q4’25, with 19 new public companies entering, per Bitwise report. The fourth quarter of 2025 marked a definitive turning point in the history of corporate balance sheets, as the global trend of treasury diversification reached an unprecedented scale. According to the latest comprehensive report from Bitwise, corporate Bitcoin holdings have surged to a staggering 1.1 million BTC, representing a market value of approximately $94 billion. This milestone is not merely a reflection of price appreciation but a signal of a structural shift in how public companies view capital preservation and inflation hedging. The report highlights that the narrative of Bitcoin as a fringe asset for tech-centric firms has officially been replaced by its status as a foundational pillar of modern corporate finance, evidenced by the entry of 19 new public companies into the space during this quarter alone. To understand the magnitude of 1.1 million BTC being held on corporate ledgers, one must view it in the context of the total circulating supply. With roughly 5.2 percent of all Bitcoin currently issued now residing in the treasuries of public and private corporations, the liquidity dynamics of the market are being fundamentally altered. Unlike retail traders who may buy and sell based on short-term sentiment, corporate entities typically adopt a long-term horizon, treating their Bitcoin holdings as a strategic reserve. This institutional absorption creates a supply sink that reduces the available float on exchanges, theoretically dampening downside volatility over time while setting a higher floor for the asset's valuation. The profile of the 19 new public companies that entered the market in the final quarter of 2025 is particularly revealing. While previous cycles were dominated by companies like MicroStrategy or Tesla, the new wave of entrants spans a much broader array of industries, including energy, logistics, and traditional manufacturing. This diversification suggests that the "MicroStrategy Playbook"—using Bitcoin as a primary treasury reserve asset—has been validated by boards of directors across diverse sectors. These companies are no longer just exploring the technology; they are actively allocating a portion of their cash reserves to protect against the debasement of fiat currencies in a persistent high-inflation environment. The Bitwise report notes that the average allocation size among these new entrants has also stabilized. Rather than speculative "all-in" bets, most of these 19 firms have opted for a disciplined allocation of between 3 percent and 7 percent of their total liquid treasury. This standardized approach indicates that corporate treasurers are applying the same risk-adjusted portfolio theories to Bitcoin as they do to other alternative assets. The emergence of clear accounting guidelines and the implementation of the GENIUS Act have provided the regulatory comfort necessary for these conservative boards to sign off on such significant financial maneuvers. A key driver behind this record-breaking quarter was the maturation of the institutional infrastructure. For a public company to hold Bitcoin, it requires more than just a digital wallet; it needs a sophisticated ecosystem of qualified custodians, multi-signature security protocols, and real-time reporting tools that satisfy Sarbanes-Oxley compliance standards. The Bitwise report points out that the proliferation of "Bitcoin-as-a-Service" offerings from major financial institutions like Fidelity and BNY Mellon has significantly lowered the barrier to entry. These new corporate entrants are utilizing "wrapped" institutional products and regulated ETFs to gain exposure without the operational burden of direct custody, allowing them to integrate Bitcoin into their balance sheets with minimal friction. The financial performance of these holdings has also provided a powerful incentive for further adoption. With the corporate aggregate value sitting at $94 billion, many of the early and mid-stage adopters are now sitting on substantial unrealized gains. These gains are not just academic; they strengthen the companies' balance sheets, improve their credit ratings, and in some cases, provide a source of liquidity through Bitcoin-backed lending. The Bitwise analysis suggests that the "wealth effect" of early corporate adopters is acting as a powerful marketing tool, as CEOs of lagging companies are forced to answer questions from shareholders about their lack of a digital asset strategy. Another factor contributing to the 1.1 million BTC total is the emergence of "Bitcoin yield" strategies within corporate treasuries. A subset of the companies tracked in the report has moved beyond simple buy-and-hold strategies to participate in regulated staking or lending markets. By generating a 4 percent to 6 percent yield on their Bitcoin holdings, these firms are effectively turning a non-productive asset into a revenue-generating one. This "Internet Bond" narrative has gained significant traction in the Q4 boardroom discussions, as it offers a way to outperform traditional money market funds while maintaining exposure to the upside of the digital asset market. The geographic distribution of these holdings is also beginning to shift. While U.S.-based companies still lead the pack in terms of total volume, the Bitwise report indicates a notable increase in adoption from companies in Japan, Brazil, and the United Arab Emirates. This global competition for a finite asset is creating a "sovereign-corporate" race, where firms are realizing that waiting too long to enter the market could result in a much higher cost of acquisition. The inclusion of Bitcoin in the corporate treasuries of major international players further cements its role as a global, neutral reserve currency that operates outside the influence of any single central bank. The Bitwise report also addresses the psychological shift among institutional investors. In 2023 and 2024, the primary question from analysts during earnings calls was "Why do you own Bitcoin?" By the end of 2025, that question has largely shifted to "Why don't you own more?" This normalization is a critical component of the $94 billion valuation milestone. When Bitcoin is viewed as a standard component of a prudent treasury strategy rather than a risky gamble, the cost of capital for these companies may actually decrease, as they are seen as being proactive in protecting shareholder value against macroeconomic headwinds. Looking ahead, the Bitwise analysis predicts that the 1.1 million BTC mark is merely a stepping stone. If the current trajectory of 15 to 20 new public companies per quarter continues, corporate holdings could exceed 1.5 million BTC by the end of 2026. This would represent nearly 8 percent of the total supply, further tightening the market and potentially leading to a "liquidity crunch" that could drive valuations significantly higher. The report suggests that we are entering a phase of "forced adoption," where companies that do not have a Bitcoin strategy risk being viewed as dinosaurs by a new generation of digital-native investors. The social and cultural impact of this corporate embrace cannot be ignored. When major public companies, which are traditionally the most conservative entities in the world, commit $94 billion to an asset, it sends a message to the general public that Bitcoin is "safe." This trickle-down effect is likely to drive further retail adoption, as employees and customers see the companies they work for and buy from treating Bitcoin with the same respect as the U.S. dollar or gold. The Bitwise report concludes that the integration of Bitcoin into the corporate treasury is perhaps the most significant milestone in the history of the asset, marking its final transition into the core of global capitalism. In summary, the Q4 2025 Bitwise report paints a picture of a financial world in the midst of a massive structural realignment. With 1.1 million BTC worth $94 billion now held by corporations, and 19 new public companies joining the ranks in a single quarter, the momentum is undeniable. This is no longer a trend; it is a fundamental shift in the definition of a "healthy" balance sheet. As the world’s leading firms continue to park their capital in a digital, decentralized, and finite asset, the very nature of corporate finance is being rewritten for the 21st century.
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