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The UK Treasury announced a regulatory framework during London FinTech Week, planning to integrate stablecoins and tokenized deposits into a unified regulatory framework with traditional payment servi

UK Announces Regulatory Framework for Stablecoins and Tokenized Deposits

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Bitcoin Up 2 Weeks: Beginning or End?HTX DAO's First Hackathon Launches!HTX Community April Creation ContestThe U.S. CLARITY Act, a groundbreaking bill aiming to create a federal framework for stablec

The U.S. CLARITY Act, a groundbreaking bill aiming to create a federal framework for stablecoins, has encountered a major legislative obstacle, with its review by the Senate Banking Committee now scheduled for May 2026. The strong opposition from the traditional banking industry, especially concerning clauses that would let stablecoin issuers provide yields or financial incentives to holders, causes this delay. Although the bill passed the House last year, it is now caught up in unresolved conflicts headed by Senator Thom Tillis as legislators work to strike a balance between the demands of bitcoin innovators and those of established financial institutions.The intense lobbying campaign by organizations like the Bank Policy Institute, which claims that yield-bearing stablecoins are "unregulated deposit substitutes", lies at the center of the dispute. Banks worry that if digital assets can provide interest or passive incentives, they will cause a mass outflow of capital from conventional savings accounts, therefore undermine the fundamental business model of retail banking. Big banks still reject the language despite a proposed White House-backed compromise that would limit yields to "activity-tied rewards" instead of passive interest; they instead advocate for outright bans on any yield-generating mechanisms within the stablecoin ecosystem.The consequences of this impasse are severe since the legislative opportunity diminishes before the next election cycle. Should the bill not pass by July 2026, there's a chance it will enter an extended gridlock, possibly prompting the SEC and OCC to revert to "regulation by enforcement." A persistent delay helps conventional banks in the short run for the larger digital asset market, but may impede the expansion of decentralized finance (DeFi) innovation. The U.S. runs an increasing chance of lagging in the internation

The U.S. CLARITY Act, a groundbreaking bill aiming

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Bitcoin Up 2 Weeks: Beginning or End?HTX Community April Creation ContestDaily 5K USDT Airdrop - Join & Win! CoinStats AI Agent Outperforms Gemini, Claude, and ChatGPT in Open Source Crypto Deep Resea

CoinStats AI Agent Outperforms Gemini, Claude, and ChatGPT in Open Source Crypto Deep Research Benchmark
Crypto tracker app CoinStats has released benchmark results showing its AI Agent outperforms deep research tools from Google, OpenAI, and Anthropic on crypto-specific queries. The results come alongside the public beta launch of CoinStats AI Agent, a research copilot designed specifically for cryptocurrency analysis.
In a benchmark using an AI judge to evaluate the quality of crypto research outputs, CoinStats AI Agent scored 79 out of 100. Gemini Deep Research came in second at 67, followed by ChatGPT Deep Research at 61, and Claude Deep Research at 58.

The speed gap was equally notable. CoinStats AI Agent returned results in an average of 4 minutes. Gemini took 23 minutes, Claude 22 minutes, and ChatGPT 55 minutes.

The benchmark methodology is open source and available on GitHub, allowing anyone to review, replicate, or challenge the results. The evaluation criteria cover accuracy, depth, recency, and actionability of crypto research responses.



CoinStats AI Agent Outperforms Gemini, Claude, and

edgeX: Sub-10ms Global DeFi Layer

Bitcoin Up 2 Weeks: Beginning or End?Daily 5K USDT Airdrop - Join & Win!HTX DAO's First Hackathon Launches! Cardano holds $0.24 as ADA’s volume jumps 48% – Recovery ahead? Cardano [ADA] has hovered ar

Cardano holds $0.24 as ADA’s volume jumps 48% – Recovery ahead?

Cardano [ADA] has hovered around $0.24 since the uptrend collapsed at $0.26, as the global liquidity has strained again. At the time of writing, ADA traded at $0.24, after slightly rising by 1.17 on a 24-hour timeframe. 

Over the same period, the altcoin’s trading volume rose 48% to $600 million, indicating growing market activity. 


Cardano holds $0.24 as ADA’s volume jumps 48%

Bitcoin Up 2 Weeks: Beginning or End?HTX Community April Creation ContestDaily 5K USDT Airdrop - Join & Win! XRPL Validator Says XRP Will Lead New Wave of DeFi XRP Ledger validator Vet has argued that

XRPL Validator Says XRP Will Lead New Wave of DeFi
XRP Ledger validator Vet has argued that XRP is set to lead the next phase of decentralized finance (DeFi).

In a post on X, Vet stated that traditional DeFi still has “a long way to go” before replacing traditional finance. Meanwhile, he believes XRP is built to drive a more sustainable transition.

According to him, the XRP protocol’s design is better suited for high-value financial use cases, particularly those aiming to replicate or replace core TradFi systems.

He pointed to deliberate design choices within the XRP Ledger that prioritize stability over aggressive yield opportunities. In his view, these trade-offs make the network more robust for financial applications, even if they limit some of the upside seen in other ecosystems.

Key Points

XRPL validator Vet says XRP is positioned to lead the next phase of DeFi.

He argues XRPL’s design favors stability and real-world financial use cases over high-risk yields.

Flare founder Hugo Philion pushed back, saying no protocol can claim superiority without scale.

Critics highlight XRPL’s low DeFi activity and absence among top DEX volume networks.

XRP’s DeFi ecosystem is growing, with FXRP supply nearing 160M and rising protocol usage.



XRPL Validator Says XRP Will Lead New Wave of DeFi

On April 21, according to an official announcement, Huobi HTX has launched SNDK/USDT, MSFT/USDT, and BABA/USDT perpetual contracts, with a maximum leverage of 20 times. Additionally, from April 21 at 

Huobi HTX Launches SNDK, MSFT, and BABA Perpetual Contracts and Starts Trading Party

Bitcoin Up 2 Weeks: Beginning or End?Daily 5K USDT Airdrop - Join & Win!Vote to help HTX win & share 300 USDT! XRP Prepares for Quantum Future as Ripple Maps XRPL Strategy for Security Readiness Rippl



XRP Prepares for Quantum Future as Ripple Maps XRPL Strategy for Security Readiness


Ripple is advancing a multi-phase plan to secure the $XRP Ledger against future quantum threats, targeting readiness by 2028. The effort signals rising urgency across blockchain systems to address long-term cryptographic risks without disrupting network performance.

Key Takeaways:

Ripple outlines a phased roadmap to prepare XRPL for quantum-era cryptography risks.

Industry momentum grows as XRPL testing highlights performance and security tradeoffs.

Developers at Ripple will expand testing to balance innovation with network stability.

Ripple Maps Quantum Security Strategy

Ripple’s post-quantum strategy reflects a growing shift in blockchain security as quantum computing risks gain credibility. The company’s latest Insight, published April 20 by Senior Director of Engineering Ayo Akinyele, outlined a structured roadmap to prepare the $XRP Ledger for future cryptographic disruption while preserving network performance.

The Insight stated:

“Ripple is introducing a multi-phase roadmap to prepare the $XRP Ledger (XRPL) for a post-quantum future, with a target for full readiness by 2028.”

It also detailed collaboration efforts: “Ripple is working with Project Eleven to accelerate development, including validator testing and early custody prototypes.”

Akinyele explained that quantum security is becoming more relevant because blockchain networks rely on cryptographic systems that could eventually be broken by sufficiently advanced quantum computers. On XRPL, each signed transaction reveals a public key on-chain, which could weaken long-term wallet security in a post-quantum environment.

He also pointed to the “harvest now, decrypt later” threat, where attackers collect cryptographic data today and wait for future quantum capabilities to exploit it. While this doe

XRP Prepares for Quantum Future as Ripple Maps X

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On April 21, as the ceasefire deadline approaches, Iran is preparing to respond to a potential return to war. Due to demands from the U.S. and a maritime blockade that have stalled new negotiations, T

Iran Warns of War: 'New Surprises' Ready

Bitcoin Up 2 Weeks: Beginning or End?Daily 5K USDT Airdrop - Join & Win! Blockchain Forum 2026, Moscow Cardano Crypto Holds $0.24 as ADA’s Volume Jumps 48%: Recovery Ahead? Cardano crypto is clinging 

Cardano Crypto Holds $0.24 as ADA’s Volume Jumps 48%: Recovery Ahead?

Cardano crypto is clinging to the $0.24 level after its uptrend snapped at $0.26, and the market is watching closely. ADA trades at $0.24, up +1.17% in the last 24 hours, a modest bounce that masks a deeper tug-of-war between bulls and bears.

The real story is in the volume. Trading activity surged +48% to $600 million in a single day, the kind of spike that rarely means anything.



Cardano Crypto Holds $0.24 as ADA’s Volume Jumps 4

A bill meant to bring order to the US crypto market is stuck in Congress, caught between two powerful groups that cannot agree on one key question: should stablecoins be allowed to pay interest? Banks

A bill meant to bring order to the US crypto market is stuck in Congress, caught between two powerful groups that cannot agree on one key question: should stablecoins be allowed to pay interest?

Banks And Crypto In A Legislative Standoff

The Digital Asset Market Clarity Act of 2025 — known as the CLARITY Act — was drafted to establish rules for how crypto assets are classified and overseen in the US. But the bill hit a wall after Coinbase and other crypto companies publicly opposed earlier versions of it.

Among their objections: the bill would ban yield-bearing stablecoins. Banks, for their part, have pushed hard to keep that ban in place.

Senator Thom Tillis of North Carolina has been working on a revised draft aimed at satisfying both sides, but reports say it has already drawn pushback and has yet to be released publicly.

The standoff reflects a deeper anxiety in the banking industry — one that a senior Moody’s analyst says may be premature, at least for now.

🏦 Analyst from Moody’s agency states that stablecoins do not pose a threat to banks in the near future. #stablecoin#crypto pic.twitter.com/jP8aB5uN1r

— CryptOpus (@ImCryptOpus) April 20, 2026

Near-Term Risk Remains Low, Analyst Says

Abhi Srivastava, associate vice president at Moody’s Investors Service Digital Economy Group, said that the threat stablecoins pose to traditional banks is limited at this point in the adoption cycle.

The US already has payment systems that are fast, low-cost, and trusted, he said, which reduces the appeal of stablecoin-based alternatives for everyday transactions.

According to Srivastava, the current legal prohibition on stablecoins paying yield is a key reason they are unlikely to pull deposits away from banks at any meaningful scale in the near

A bill meant to bring order to the US crypto market is stuck in Congress, caught between two powe

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