# Self-Custody Related Articles

HTX News Center provides the latest articles and in-depth analysis on "Self-Custody", covering market trends, project updates, tech developments, and regulatory policies in the crypto industry.

Hyperbeat: Launching a 'Bank' on Hyperliquid

Hyperbeat, a protocol built on Hyperliquid, has launched "Liquid Banking," a self-custodial banking solution deployed on HyperEVM. It integrates stablecoin deposits, VISA card spending, perpetual trading, and multi-currency fiat on/off ramps into a single on-chain smart wallet. The core feature is "Credit Mode," powered by Morpho's lending engine. Users deposit assets like BTC or ETH as collateral. When spending with the VISA card, the system instantly borrows stablecoins via Morpho to complete payments, while the collateral remains on-chain earning yield. There is no grace period—interest accrues immediately upon spending. Hyperbeat uses its native stablecoin, beatUSD, issued in partnership with Paxos. Deposit yields come from real borrowing interest generated by consumer spending. Fiat services are provided by Noah, supporting multiple currencies, and the VISA card is issued by Third National via infrastructure from Rain. As a self-custodial system, user assets stay in their smart wallet. To prevent fraud, withdrawals require a cooling period and operator approval for collateral removal. The system emphasizes transparency and on-chain security but places responsibility on users to manage their account health, with no customer support to reverse errors.

marsbit04/09 10:12

Hyperbeat: Launching a 'Bank' on Hyperliquid

marsbit04/09 10:12

Wirex and Utorg Bring Seamless Crypto-to-Card Spending to 2M+ Users Worldwide

Wirex, a leading crypto card issuer and Banking-as-a-Service (BaaS) provider, has partnered with global fintech company Utorg to integrate seamless crypto-to-card spending for Utorg's 2 million+ users across 190+ countries. Through Wirex BaaS, Utorg gains access to non-custodial card issuance, EUR/USD IBAN accounts, real-time crypto-to-fiat conversion, and DeFi yield services. This enables Utorg users to spend their digital assets at over 80 million merchants worldwide while maintaining full self-custody of their funds. The partnership accelerates Utorg’s vision of bridging traditional finance with the stablecoin economy, offering a unified experience for buying, holding, and spending crypto in everyday transactions.

TheNewsCrypto04/08 12:17

Wirex and Utorg Bring Seamless Crypto-to-Card Spending to 2M+ Users Worldwide

TheNewsCrypto04/08 12:17

Coinbase disables Ronin trading as Ethereum L2 migration enters execution phase

Coinbase has suspended trading for Ronin (RONIN) as the network enters the execution phase of its migration to an Ethereum Layer-2. Users must transfer their tokens to a compatible self-custodial wallet before the upgrade is finalized; otherwise, assets left on the platform will become inaccessible. The exchange will not support the migration on behalf of customers. The move is part of Ronin’s previously announced plan to transition from a gaming-focused sidechain to a full L2, aiming to improve scalability, security, and expand into DeFi and consumer apps. Despite the trading halt, RONIN’s price remained relatively unchanged, trading around $0.0839 with a market cap of ~$64.5M, indicating the market had likely priced in the migration.

ambcrypto03/30 20:05

Coinbase disables Ronin trading as Ethereum L2 migration enters execution phase

ambcrypto03/30 20:05

‘Technologically impossible’: Could Kentucky bill threaten crypto self-custody?

Kentucky's proposed HB 380 amendment aims to regulate cryptocurrency kiosks but includes a controversial provision requiring hardware wallet providers to reset users' seed phrases upon request. The Bitcoin Policy Institute warns this measure would effectively outlaw self-custody, calling it "technologically impossible" and a violation of Bitcoin’s core security principles. They argue it would push users toward centralized custodians, increasing vulnerability to hacks. The amendment, added last minute, has drawn criticism for potentially infringing on residents' rights to secure their digital assets. Meanwhile, only seven U.S. states have established strategic Bitcoin reserves, with the federal government holding the largest share globally.

ambcrypto03/20 12:47

‘Technologically impossible’: Could Kentucky bill threaten crypto self-custody?

ambcrypto03/20 12:47

The Bitcoin Inheritance Challenge: How to Help Your Family Recover Your Assets?

Self-custody of Bitcoin fundamentally changes estate planning. A robust inheritance plan must protect assets during the owner’s lifetime while ensuring designated individuals can recover them after death. Bitcoin’s key advantage—bypassing banks and custodians—also complicates inheritance, as the network only recognizes cryptographic keys, not legal documents. Key challenges include balancing security and accessibility, managing technical complexity for non-expert heirs, preserving privacy, and ensuring long-term viability. Common solutions include: 1. Custodial Inheritance: Relies on exchanges or institutions, sacrificing self-custody benefits for familiar legal processes. 2. DIY Inheritance: Ranges from simple seed-phrase handovers to complex multisig setups. High autonomy but requires technical competence from heirs. 3. Assisted Custody: Uses a service provider for multisig setup and recovery guidance, improving usability but depending on the provider’s longevity. 4. On-Chain Collaborative Inheritance: Combines assisted recovery with on-chain fallbacks (e.g., timelocks), ensuring access even if the provider fails. The strongest plans integrate a smooth, guided recovery path with a durable on-chain backup. Regular testing and updates are crucial. Inheritance isn’t just a technical issue—it must align with legal frameworks and family circumstances. Ultimately, a well-designed Bitcoin inheritance plan ensures assets remain secure, private, and recoverable for generations.

比推03/18 12:38

The Bitcoin Inheritance Challenge: How to Help Your Family Recover Your Assets?

比推03/18 12:38

BIS Warns Crypto Self-Custody Could Become New AML Loophole

A new BIS paper warns that self-custodied crypto wallets could become a significant loophole in anti-money laundering (AML) enforcement if regulatory gaps are not addressed. The report highlights that as regulated payment channels face stricter rules, illicit financial flows may shift towards self-hosted wallets, which operate without intermediaries and thus avoid customer due diligence, transaction monitoring, and suspicious activity reporting. The paper argues that these wallets may be more attractive for illegal activities than cash due to their digital ease of transfer, cross-border efficiency, and lack of physical constraints. This creates a “waterbed effect,” where tightening one area of regulation simply displaces risk to another. Using the EU as a case study, the authors note that while hosted crypto services are now integrated into AML frameworks, self-custody wallets remain largely outside direct oversight. The absence of transaction limits, unlike the €10,000 cap on cash, could incentivize malicious actors to migrate to self-hosted crypto assets, thereby undermining overall AML efforts.

bitcoinist03/11 05:32

BIS Warns Crypto Self-Custody Could Become New AML Loophole

bitcoinist03/11 05:32

Babylon Integrates with Ledger to Enable Easier Access to Trustless Bitcoin Vaults

Babylon Labs and Ledger have partnered to integrate native Ledger signing support for Babylon's Trustless Bitcoin Vaults (BTCVaults). This integration enables users to securely authorize vault transactions directly from their Ledger devices using Clear Signing technology, enhancing both security and accessibility. With over 8 million devices sold globally, Ledger's extensive user base makes it an ideal platform to bring BTCVaults to a wider market. BTCVaults allow users to use native Bitcoin as collateral in DeFi without relying on custodians, bridges, or wrapped assets. The Clear Signing feature ensures users can clearly review and understand transaction details on their device screen before approving, increasing transparency and trust. The collaboration also includes plans to expand support within the Ledger ecosystem, such as asset management via the Ledger Wallet app, future support for Babylon’s staking protocol, and integration of Babylon’s native token, BABY. This partnership marks a significant step toward making Bitcoin more productive while maintaining self-custody and security.

marsbit03/10 15:46

Babylon Integrates with Ledger to Enable Easier Access to Trustless Bitcoin Vaults

marsbit03/10 15:46

The Washington Power of the Crypto Sphere

The crypto policy landscape in Washington has evolved significantly, now comprising a network of think tanks, trade associations, and ecosystem-specific advocacy groups. Key organizations include: - **Coin Center (2014)**: The first crypto policy think tank, focused on user rights, self-custody, privacy, and tax reforms like taxing staking rewards only upon sale. - **Blockchain Association (2018)**: The largest industry group with 100+ members, advocating for tax equality, market structure legislation, and DeFi protection. - **DeFi Education Fund (2021)**: Focused on DeFi, protecting developers, empowering users, and promoting permissionless blockchains. - **Solana Policy Institute (2025)**: The first ecosystem-specific group, pushing for tokenized securities and expanded accredited investor definitions. - **Hyperliquid Policy Center (2026)**: Dedicated to regulatory clarity for decentralized perpetual futures trading. Shared priorities include developer protection (via the Blockchain Regulatory Certainty Act), staking tax reform, self-custody rights, and small transaction tax exemptions. While all align on core issues, each specializes in distinct areas—from ideological advocacy (Coin Center) to ecosystem-specific agendas (Solana, Hyperliquid). This reflects a mature, multi-faceted approach to crypto policy engagement.

marsbit03/04 10:10

The Washington Power of the Crypto Sphere

marsbit03/04 10:10

Safe Foundation and World Foundation Strengthen Economic Alignment Through 5-Year Token Swap

Safe Foundation and World Foundation have entered a five-year token swap as the inaugural partnership in Safe’s 5M SAFE Ecosystem Alignment Program. This long-term commitment aims to strengthen economic alignment and advance secure, user-friendly self-custody solutions at scale. The program allocates up to 5 million SAFE tokens to foster infrastructure development through multi-year token swaps, creating bilateral economic exposure with ecosystem leaders. World Foundation has been a key player in onboarding over 37 million users to self-custody via Safe smart accounts, contributing to easier user onboarding and improved UX. The collaboration supports open-source standards and public good initiatives, aligning with Safe’s mission to promote digital ownership. Safe, securing approximately $60 billion in assets, is a leading onchain custody protocol focused on universal smart account standards. This partnership underscores a shared commitment to accelerating the adoption of secure and accessible self-custody across the onchain economy.

TheNewsCrypto02/19 14:18

Safe Foundation and World Foundation Strengthen Economic Alignment Through 5-Year Token Swap

TheNewsCrypto02/19 14:18

Trust Wallet Launches Cash Deposits, Enabling Users To Convert Physical Cash Into Crypto

Trust Wallet, a leading self-custody Web3 wallet, has launched a new "Cash Deposits" feature in the U.S., allowing users to convert physical cash into digital assets like stablecoins, BTC, and SOL at over 15,000 retail locations. Powered by Coinme, this service enables individuals without bank accounts or cards to directly load cash and receive crypto into their self-custodied wallets. The initiative aims to bridge the gap for cash-reliant users, such as gig and service workers, by providing a fast, intermediary-free onramp to digital finance. Funds are typically available within minutes, and the service is available in 48 states, excluding New York and Vermont, with certain restrictions in Texas.

TheNewsCrypto02/18 17:18

Trust Wallet Launches Cash Deposits, Enabling Users To Convert Physical Cash Into Crypto

TheNewsCrypto02/18 17:18

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