Regulatory Policy

Focuses on global regulatory developments, policy changes, and compliance requirements. It provides in-depth analysis of government regulations and their impact on the cryptocurrency and blockchain industries, helping businesses and investors proactively manage policy-related risks.

Indiana Enacts HB 1042, Opening State Retirement Plans to Crypto Investments

Indiana Governor Mike Braun has signed House Bill 1042 into law, permitting state-managed retirement plans to offer cryptocurrency investment options. The bill, which passed the Indiana General Assembly and received final approval on March 4, requires the Hoosier START 529 plan, the Teachers Retirement Fund, and the Public Employee Retirement Fund to provide a self-directed crypto investment window by July 2027. Participation remains optional for individuals. The legislation also protects crypto users by prohibiting most public agencies from imposing special taxes on crypto payments or banning businesses from accepting digital assets. Additionally, it safeguards the right to use self-hosted wallets and prevents local governments from unfairly targeting or banning crypto mining operations. This move aligns with a growing trend of integrating crypto into traditional financial systems in the U.S.

TheNewsCrypto03/04 09:02

Indiana Enacts HB 1042, Opening State Retirement Plans to Crypto Investments

TheNewsCrypto03/04 09:02

Iranian Crypto Outflows Hit $10.3 Million After US‑Israeli Airstrikes, Chainalysis Finds

Following joint US-Israeli airstrikes on February 28, Iranian cryptocurrency exchanges experienced significant outflows totaling approximately $10.3 million, according to Chainalysis data. The report highlights crypto's critical role in Iran's sanction-hit economy, serving both ordinary citizens and state-affiliated entities. With traditional banking access severed due to sanctions, Iranians increasingly rely on Bitcoin and stablecoins as hedges against hyperinflation and capital controls. Notably, half of Iran's $7.78 billion in crypto activity is attributed to the Islamic Revolutionary Guard Corps, underscoring digital assets' dual function as both economic lifeline and sanctions-evasion tool. The incident demonstrates crypto's rapid responsiveness to geopolitical shocks and ongoing regulatory challenges.

bitcoinist03/04 08:31

Iranian Crypto Outflows Hit $10.3 Million After US‑Israeli Airstrikes, Chainalysis Finds

bitcoinist03/04 08:31

Trump Backs U.S. Clarity Act, Accuses Major Banks of Undermining GENIUS

Former U.S. President Donald Trump has called for the enactment of the U.S. Clarity Act, which aims to link the country’s economic strength with clear cryptocurrency regulations. In a speech to lawmakers and industry representatives, Trump accused major financial institutions of stifling innovation by impeding technological progress. He argued that regulatory ambiguity has driven crypto businesses and talent overseas, and that well-defined legislation would attract investment and bolster U.S. financial competitiveness. Trump emphasized that legislative clarity would balance innovation with investor protection, warning that the U.S. risks falling behind other nations that offer more certain regulatory environments. The Clarity Act has garnered bipartisan support and seeks to clarify the roles of the CFTC and SEC regarding digital assets, potentially reducing compliance costs and encouraging market confidence. The bill also includes provisions for certain exemptions to foster innovation. Negotiations over the final language of the legislation are ongoing amid mixed reactions from financial institutions and other stakeholders.

TheNewsCrypto03/04 06:27

Trump Backs U.S. Clarity Act, Accuses Major Banks of Undermining GENIUS

TheNewsCrypto03/04 06:27

Crypto Exchange Uniswap Prevails In High-Profile Rug Pull Lawsuit

A federal judge has dismissed a lawsuit against Uniswap, ruling that the decentralized exchange cannot be held liable for fraudulent tokens traded on its platform. The case, initially filed in 2022 by a group of investors, alleged that Uniswap enabled rug pulls and pump-and-dump schemes. The judge determined that providing a platform where fraud may occur is not equivalent to actively participating in the fraud. She compared it to a bank processing transactions for a money launderer without knowledge of the crime. Uniswap founder Hayden Adams welcomed the decision, stating that developers of open-source smart contract code should not be held responsible if scammers misuse it. The case was dismissed with prejudice, meaning it cannot be refiled.

bitcoinist03/04 06:05

Trump Presses Congress To Pass Crypto Market Structure Bill ‘ASAP’

President Donald Trump has publicly urged Congress to pass the CLARITY Act, a comprehensive crypto market structure bill, "ASAP." In a Truth Social post, he accused the banking industry of undermining both the pending legislation and the previously signed GENIUS Act, which deals with stablecoins. Trump warned that failure to pass the bill could cede U.S. leadership in crypto to other countries like China and argued that Americans should benefit from the financial opportunities digital assets provide. He called for cooperation between banks and the crypto industry. Legislative progress on the bill has stalled due to disputes between these groups, with a key Senate committee now targeting a markup session for late March.

bitcoinist03/04 03:01

Trump Presses Congress To Pass Crypto Market Structure Bill ‘ASAP’

bitcoinist03/04 03:01

Hong Kong Airdrops Stablecoins, US Defines Boundaries: The Institutionalization Phase of Stablecoins

Stablecoin regulation is entering a new institutionalized phase, as evidenced by recent developments in Hong Kong and the United States. Hong Kong is set to issue its first stablecoin issuer licenses by March, marking the start of a licensed era. Lawmaker Johnny Ng has proposed distributing stablecoin-based consumption vouchers to citizens to encourage adoption among local SMEs—a strategy reminiscent of the e-voucher campaigns that boosted digital payment uptake. Hong Kong’s regulatory framework requires licensed issuers to hold full reserve backing, independent custody, and face-value redemption, effectively treating stablecoin operators as quasi-financial institutions. Meanwhile, the U.S. is clarifying the regulatory status of payment stablecoins. Following a key meeting between banking and crypto industry representatives, the SEC is revising Rule 15c3-1 to include payment stablecoins under broker-dealer capital rules, applying a 2% capital deduction. Eligible stablecoins must be dollar-denominated, fully reserved, audited monthly, and redeemable. This move formally integrates payment stablecoins into the U.S. financial regulatory system. Together, these developments signal that stablecoins are transitioning from market experiments to regulated financial instruments—no longer just crypto products but recognized gateways into the global monetary system.

marsbit03/04 01:08

Hong Kong Airdrops Stablecoins, US Defines Boundaries: The Institutionalization Phase of Stablecoins

marsbit03/04 01:08

Trump accuses banks of undermining crypto bills as Clarity Act negotiations stall

President Trump has accused U.S. banks of undermining crypto legislation, specifically the Clarity Act, warning that delays in market structure reforms could harm the U.S. position as a global digital asset hub and push innovation toward competitors like China. While the GENIUS Act, which established a federal framework for stablecoins, was passed last year, the broader Clarity Act—aimed at defining regulatory roles and providing legal certainty—has stalled in the Senate. Key disagreements include whether stablecoins should be allowed to offer yield-like rewards, with banks arguing such features risk financial stability and deposits, while the crypto industry warns that strict limits would stifle innovation. Trump framed the issue as a matter of economic competitiveness and criticized banks for record profits amid efforts to constrain crypto growth. The legislative delay continues as bipartisan negotiations struggle to resolve these disputes.

ambcrypto03/03 23:29

Trump accuses banks of undermining crypto bills as Clarity Act negotiations stall

ambcrypto03/03 23:29

ECB study warns stablecoins could shrink bank deposits and alter monetary policy transmission

A new European Central Bank (ECB) working paper warns that widespread adoption of stablecoins could significantly reduce bank deposits, constrain lending, and complicate the transmission of monetary policy in the euro area. The study identifies a "deposit substitution effect," where stablecoins compete with retail bank deposits, potentially forcing banks to rely more on volatile wholesale funding. This shift could weaken banks' lending capacity and make monetary policy less predictable, especially if U.S. dollar-denominated stablecoins gain traction, indirectly exposing the euro area to foreign monetary shocks. While current impacts are limited due to stablecoins' niche use in crypto trading, the paper cautions that large-scale adoption could structurally alter the traditional banking system.

ambcrypto03/03 17:57

ECB study warns stablecoins could shrink bank deposits and alter monetary policy transmission

ambcrypto03/03 17:57

US Senate Tucks CBDC Ban Into Housing Bill, Sets 2030 Deadline

The US Senate has included a ban on the Federal Reserve issuing a central bank digital currency (CBDC) in a housing affordability bill. The amendment, part of the 21st Century ROAD to Housing Act, prohibits the Fed from directly or indirectly offering a retail digital dollar to the public. The ban is broad, covering any digital asset functioning as a CBDC, regardless of its name. However, it includes an exception for open, permissionless, and private digital currencies that offer cash-like privacy. The prohibition is set to expire on December 31, 2030, unless Congress renews it. This move reinforces the Fed's existing position that it would not issue a digital currency without explicit congressional approval.

bitcoinist03/03 15:31

US Senate Tucks CBDC Ban Into Housing Bill, Sets 2030 Deadline

bitcoinist03/03 15:31

Cardano Founder Sounds Alarm Over New US Crypto Bill

Cardano founder Charles Hoskinson strongly opposes the new U.S. crypto market structure bill, H.R. 3633, arguing it would harm innovation by classifying new digital assets as securities by default. He warns that the bill would force projects to undergo a difficult process to prove decentralization and potentially never escape securities classification. Hoskinson claims the SEC could exploit vague language to delay or block projects indefinitely, stifling new development in the U.S. and protecting older networks. He calls for a principles-based rewrite that modernizes securities laws and limits regulatory overreach, instead of a bill he believes enshrines the SEC's aggressive enforcement approach.

bitcoinist03/03 14:14

Cardano Founder Sounds Alarm Over New US Crypto Bill