# Utility Related Articles

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

Garlinghouse Says 67M US Crypto Owners Show Industry Has Gone Mainstream

Ripple CEO Brad Garlinghouse cites a new survey estimating that 67 million Americans, roughly 25% of U.S. adults, own cryptocurrency. He argues this signals the industry's move from a niche interest into the financial mainstream. The figure, from the National Cryptocurrency Association and Harris Poll's 2026 report, is based on a survey of 10,000 respondents rather than a verified registry, but still indicates significant adoption. Garlinghouse uses the data to support the argument that crypto now has a substantial user base, influencing both commercial strategies and political policy. The growing ownership implies crypto can no longer be ignored by lawmakers, shifting the debate from whether people will adopt crypto to how they will use it. The report acknowledges survey estimates require careful interpretation but underscores crypto's expanding role in everyday finance.

bitcoinist2 days ago 05:55

Garlinghouse Says 67M US Crypto Owners Show Industry Has Gone Mainstream

bitcoinist2 days ago 05:55

XRP Ledger Amendments Near Validator Vote Deadline

The XRP Ledger is approaching a key deadline for validators to vote on proposed protocol amendments, highlighting the network's governance process for upgrades. Changes do not activate automatically upon code release; they require sustained support from 80% of validators. This system prioritizes stability and broad consensus over rushed changes. While these amendments can shape the ledger's future utility in payments, asset issuance, and decentralized exchange, their activation is not guaranteed. The outcome of this voting window represents an infrastructure and governance checkpoint, with long-term impact depending on subsequent developer adoption and user demand, rather than serving as a direct market catalyst.

bitcoinist07/21 21:17

XRP Ledger Amendments Near Validator Vote Deadline

bitcoinist07/21 21:17

Tokenized markets reach $2.3B – Why utility matters more than TVL

Tokenized financial markets have reached a $2.3 billion market capitalization, driven by growing institutional adoption of on-chain funds and equities. While Ethereum leads in custody value, holding 34% of the total, Solana processes the vast majority (95-97%) of tokenized equity trading. This highlights a key industry shift where execution and utility—measured by trading volume, transaction activity, and settlement efficiency—are becoming more critical than Total Value Locked (TVL) alone. Platforms like Arbitrum and Solana lead in holder growth, supported by established issuers such as Ondo Finance, underscoring that issuer reputation and robust liquidity channels are central to attracting institutional capital. The evolving landscape suggests blockchain networks will compete increasingly on real economic activity and capital efficiency.

ambcrypto07/19 17:02

Tokenized markets reach $2.3B – Why utility matters more than TVL

ambcrypto07/19 17:02

Michael Saylor warns against BIP-110: Is Bitcoin’s utility truly evolving?

Bitcoin's evolution from a pure store of value to a more usable asset is highlighted by proposals like BIP-110, which prioritizes fee-paying transactions. However, Michael Saylor strongly criticizes this direction, arguing Bitcoin's long-term strength lies in institutional adoption rather than protocol changes for utility. On-chain data shows a surge in transactions, but Bitcoin's market valuation is outpacing network adoption, as indicated by a rising Metcalfe Ratio. This growing gap suggests speculation is increasingly driving BTC's price, raising questions about its core value narrative amid debates on network upgrades and scalability.

ambcrypto07/19 15:02

Michael Saylor warns against BIP-110: Is Bitcoin’s utility truly evolving?

ambcrypto07/19 15:02

XRPL AI hits 1.21M transactions – Will utility drive XRP price higher?

The XRPL AI agent ecosystem has processed over 1.21 million autonomous transactions, signaling a shift from speculation to utility-driven activity. Settlements for Ripple (XRP) and Ripple USD (RLUSD) surged by 279% and 304%, respectively. Concurrently, RLUSD is expanding into DeFi, with deposits on Morpho reaching $250 million, indicating its growing use as productive collateral. Despite lower prices, retail optimism for XRP is high, with a bullish sentiment ratio surpassing that of Bitcoin and Ethereum. The key challenge is transforming this rising utility and optimism into sustained network demand and growth, rather than short-term speculation.

ambcrypto07/14 13:03

XRPL AI hits 1.21M transactions – Will utility drive XRP price higher?

ambcrypto07/14 13:03

USDT usage at 35% in 2026 – What’s the key factor driving investors to stablecoins?

Investor preference for stability over risk is driving increased usage of stablecoins, with Tether [USDT] projected to reach 35.1% usage by July 2026, up from 29.0% in 2021. This growth is fueled by their expanding real-world utility, particularly in cross-border payments and corporate treasury operations. Major payment firms like Visa, Mastercard, PayPal, and Stripe are integrating stablecoins into their infrastructure, supporting a surge in daily active addresses and a total market value nearing $312 billion. While institutional investors continue to favor stablecoins for efficient transactions over speculative assets like Bitcoin or Ethereum, the growing corporate adoption for practical settlement and payment use cases is strengthening blockchain's long-term foundation beyond mere cost savings.

ambcrypto07/13 05:02

USDT usage at 35% in 2026 – What’s the key factor driving investors to stablecoins?

ambcrypto07/13 05:02

ApeCoin’s 15% rally meets Q3 accelerator hype – Can APE reach $0.30?

ApeCoin (APE) surged 15%, breaking out of its tight $0.13-$0.14 consolidation to trade at $0.168, supported by a 218% surge in trading volume. The rally was driven by strong market demand, with buy volume exceeding sell volume, pushing the market delta significantly positive. Open Interest and derivatives volume also rose sharply, indicating aggressive new position openings. Technical indicators like the Stochastic Momentum Index show bullish momentum. If sustained, APE could target a breakout above the $0.18 resistance. Fundamentally, the upcoming Q3 accelerator program, aimed at incubating Web3 and gaming projects, could boost APE's utility and adoption. This initiative may help APE reclaim $0.25, with $0.30 as a bullish target.

ambcrypto07/10 01:03

ApeCoin’s 15% rally meets Q3 accelerator hype – Can APE reach $0.30?

ambcrypto07/10 01:03

BNB Chain Gas-Free Stablecoin Transfers Target Crypto’s Everyday Payment Problem

BNB Chain is collaborating with stablecoin issuers to enable gas-free stablecoin transfers, aiming to address a key friction point that hinders the everyday use of crypto payments. The initiative seeks to simplify the user experience, as the need for a native token to pay transaction fees can be confusing for newcomers and make small transfers impractical compared to traditional fintech apps. Stablecoins are widely used for purposes like remittances and payments, but complex blockchain interfaces often create technical barriers. By subsidizing gas fees, BNB Chain hopes to make stablecoin transactions feel more familiar and seamless, similar to conventional payment apps. This move is also seen as a competitive strategy to retain and grow its large retail user base amid rivalry from other networks like Ethereum, TRON, and Solana. A central challenge is the sustainability of the gas subsidy model, which requires a long-term funding solution to avoid being merely a short-term marketing campaign. If successfully maintained, the program could significantly influence user behavior. Ultimately, this focus on stablecoin payments represents a shift toward practical, user-friendly utility in the crypto space, offering an improvement that everyday users can directly appreciate.

bitcoinist07/08 09:19

BNB Chain Gas-Free Stablecoin Transfers Target Crypto’s Everyday Payment Problem

bitcoinist07/08 09:19

Stablecoins clear $1.79T record settlement – Is market bottom in sight?

Stablecoins achieved a record $1.79 trillion in adjusted transaction volume in June, a 63% monthly and 125% yearly increase, signaling a major shift from being a crypto liquidity mechanism toward real-world utility in cross-border payments and settlement. This growth in usage, however, contrasts sharply with falling liquidity, as the combined market capitalization of USDT and USDC declined by nearly $11 billion over two months, representing a significant capital outflow. This divergence occurs amid a strengthening US dollar, which supports demand for dollar-pegged stablecoins but also pressures global currencies. While the rising utility underscores the strategic importance of Layer 1 blockchains, the concurrent liquidity contraction amid a broader crypto market downturn creates a potential risk factor heading into the second half of the year.

ambcrypto07/07 16:02

Stablecoins clear $1.79T record settlement – Is market bottom in sight?

ambcrypto07/07 16:02

Can Pendle sustain 12% gain and breakout past $1.45? If not, what’s next?

Pendle (PENDLE) gained 12% with a surge in trading volume, attempting to break key resistance near $1.475. A sustained move above this level could target $1.53, while failure may keep it range-bound. Technical indicators like the Money Flow Index and Parabolic SAR suggest bullish momentum, though overbought conditions risk profit-taking. Fundamentally, a new protocol upgrade with Curvance added utility for PT-AUSD holders, boosting community sentiment. The combination of technical strength and improved fundamentals supports demand, but a confirmed breakout depends on overcoming the immediate resistance.

ambcrypto07/03 01:02

Can Pendle sustain 12% gain and breakout past $1.45? If not, what’s next?

ambcrypto07/03 01:02

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