# Crypto Related Articles

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

Blockchain Association Rejects Proposal To Widen Stablecoin Yield Restrictions

The Blockchain Association, along with over 125 crypto and fintech groups, is urging Senate Banking leaders to oppose efforts to expand a ban on stablecoin yields beyond what is explicitly stated in the GENIUS Act. The law prohibits stablecoin issuers from paying yields directly to holders but allows third-party platforms to offer rewards. The association argues that broadening the ban would harm competition and innovation, favoring larger financial firms. In contrast, banking groups, led by the American Bankers Association, are pushing for the ban to extend to partners and affiliates, warning that stablecoin rewards could circumvent the law and drain trillions from traditional bank deposits. The debate centers on consumer protection, financial stability, and the future competitive landscape of digital payments. Senate Banking staff are reviewing both sides as they consider potential legislative clarifications.

bitcoinist12/21 13:01

Blockchain Association Rejects Proposal To Widen Stablecoin Yield Restrictions

bitcoinist12/21 13:01

Klarna partners with Coinbase to accept stablecoin funding from institutions

Klarna, a Swedish fintech company, has partnered with Coinbase to enable institutional funding through USDC stablecoins. This new initiative allows Klarna to raise short-term capital from a new class of institutional investors using Coinbase's crypto services, complementing its traditional funding sources like deposits and commercial paper. The company's CFO highlighted the potential for diversification. This institutional effort is separate from Klarna's future consumer-facing crypto plans, which may include wallets and are targeted for 2026. Klarna also recently launched its own dollar-pegged stablecoin, KlarnaUSD, on the Tempo testnet, with a mainnet launch planned for 2026.

cointelegraph12/21 12:30

Klarna partners with Coinbase to accept stablecoin funding from institutions

cointelegraph12/21 12:30

Stablecoin payments below $200 can go tax-free: If Congress agrees

In a renewed bipartisan effort, U.S. lawmakers Max Miller and Steven Horsford have proposed a tax exemption for stablecoin transactions valued at $200 or below, aiming to provide clarity and consumer protection. This follows a previous failed attempt by Senator Cynthia Lummis in 2025 to introduce a similar exemption. Currently, the IRS treats cryptocurrency as property, subjecting it to capital gains tax. Meanwhile, banking lobbyists oppose the high yields offered by crypto exchanges on stablecoin deposits, arguing it threatens traditional banks. Industry leaders, including Gemini's co-founder, are defending the GENIUS Act against what they call anti-competitive overreach by banks. The outcome of both the tax proposal and the stablecoin yield debate remains uncertain.

ambcrypto12/21 09:02

Stablecoin payments below $200 can go tax-free: If Congress agrees

ambcrypto12/21 09:02

Crypto activity in Brazil rises 43% with average investment surpassing $1,000: Report

Cryptocurrency activity in Brazil surged by 43% in 2025, with the average investment per user exceeding $1,000 (around 5,700 BRL), according to a Mercado Bitcoin report. The market is shifting from speculation to structured investing, with 18% of users diversifying across multiple assets. Bitcoin remained the most-traded asset, followed by USDT, ETH, and SOL. Stablecoins saw triple the previous year’s transactions as investors sought lower volatility. Lower-risk digital fixed-income products grew 108%, with $325 million distributed to investors. Younger investors (under 24) increased by 56%, and participation expanded beyond major cities. Itaú Asset Management recommended a 1–3% Bitcoin allocation due to geopolitical and monetary risks.

cointelegraph12/21 08:19

Crypto activity in Brazil rises 43% with average investment surpassing $1,000: Report

cointelegraph12/21 08:19

Expert Breakdown: How Ozak AI Outshines Top Tokens in Growth Speed, ROI Forecasts, and Utility for 2025–2030

Expert analysis positions Ozak AI ($OZ) as a standout project for the 2025–2030 period, outpacing major tokens in growth speed, ROI potential, and real-world utility. Currently in Phase 7 of its presale at $0.014, it has raised over $4.9 million, demonstrating rapid adoption driven by its low entry cost and integration of AI with decentralized physical infrastructure (DePIN). ROI forecasts suggest potential gains of 50x–120x post-listing and up to 300x–500x long-term, significantly exceeding projections for established tokens like Bitcoin and Ethereum. Its utility includes AI-driven automation, cross-chain interoperability, staking, and governance, supported by audited smart contracts and strategic partnerships. Ozak AI’s combination of technological innovation, scalability, and practical applications positions it as a leading AI infrastructure contender in the coming decade.

TheNewsCrypto12/21 07:18

Expert Breakdown: How Ozak AI Outshines Top Tokens in Growth Speed, ROI Forecasts, and Utility for 2025–2030

TheNewsCrypto12/21 07:18

US lawmakers propose tax break for small stablecoin payments, staking rewards

US lawmakers have introduced a discussion draft proposing tax exemptions for small stablecoin payments and deferral options for staking and mining rewards. The bill, introduced by Representatives Max Miller and Steven Horsford, aims to amend the Internal Revenue Code to accommodate the growing use of digital assets in everyday transactions. It would exempt gains or losses on stablecoin transactions under $200, provided the stablecoin is dollar-pegged and issued under the GENIUS Act. Additionally, taxpayers could defer income recognition from staking and mining rewards for up to five years, addressing concerns around "phantom income." The draft also includes anti-abuse measures and extends certain securities rules to digital assets. Meanwhile, crypto industry groups are urging the Senate to reconsider proposed restrictions on stablecoin rewards.

cointelegraph12/21 07:07

US lawmakers propose tax break for small stablecoin payments, staking rewards

cointelegraph12/21 07:07

Why Do DeFi Users Reject Fixed Rates?

Despite the intuitive appeal of fixed-rate loans for providing payment certainty, they have consistently failed to gain mainstream adoption in DeFi. This is not due to user rejection alone but stems from a fundamental mismatch between product design and actual user behavior. DeFi protocols are built as on-demand money markets, where lenders prioritize liquidity, composability, and the ability to exit or rotate capital instantly—features inherent to floating-rate pools like Aave. They accept slightly lower yields for this flexibility. In contrast, fixed-rate products require capital lock-up, sacrificing this optionality. The modest premium offered is often insufficient compensation for this loss. Furthermore, most crypto borrowing is not long-term credit but short-term leverage, basis trading, and collateral management. These borrowers are unwilling to pay a high premium for fixed rates as they don’t plan to hold debt long-term. This creates a one-sided market where lenders demand a lock-up premium, but borrowers refuse to pay it. Fixed-rate mechanisms also suffer from fragmented liquidity across different maturities, leading to poor secondary markets and significant price impacts for early exits. This forces lenders to become bond managers rather than passive liquidity providers. Ultimately, fixed-rate lending can exist as a niche product but is structurally disadvantaged to become the default in DeFi. The ecosystem is dominated by mercenary capital that values liquidity over yield certainty. For fixed rates to succeed, they must be treated as true credit instruments with priced-in exit options, rather than attempting to mimic liquid money markets.

marsbit12/21 06:44

marsbit12/21 06:44

How a $100 Ozak AI Investment Could Turn Into $32,000 if the Token Reaches $10 Post-Listing: Full ROI Breakdown

Ozak AI, an AI-driven cryptocurrency, is gaining significant attention in 2025's investment landscape. Currently in presale at $0.014 per token, it has sold over 1.017 billion tokens and raised $4.9 million. Analysts project short-term targets of $1, with potential to reach $10 post-listing. A $100 investment at the current presale price could yield approximately $32,000 if the token reaches $4.50, and over $71,000 if it hits $10. The project's value proposition includes the Ozak Stream Network for real-time data processing, Prediction Agents for market analytics, decentralized data vaults, DePIN integration, and compatibility with Arbitrum Orbit and EigenLayer. Backed by partnerships with firms like SINT and Pyth Network, Ozak AI is positioned as a high-growth opportunity in the emerging AI crypto sector.

TheNewsCrypto12/21 06:15

How a $100 Ozak AI Investment Could Turn Into $32,000 if the Token Reaches $10 Post-Listing: Full ROI Breakdown

TheNewsCrypto12/21 06:15

Crypto community ‘very sorry’ over Senator Lummis' reelection decision

US Senator Cynthia Lummis, a prominent advocate for cryptocurrency and Bitcoin, announced she will not seek reelection in 2026, prompting widespread support and regret from the crypto community. Industry leaders credited her significant role in advancing pro-crypto policies, criticizing the SEC's enforcement-heavy approach and championing key legislative efforts like the Responsible Financial Innovation Act and the US Clarity Act. Despite her departure, figures like a16z's Collin McCune and Multicoin's Kyle Samani emphasized that regulatory work continues, with hopes high for passing major crypto legislation in 2026. White House crypto czar David Sacks called her a "great ally" and expressed disappointment at her exit.

cointelegraph12/21 05:17

Crypto community ‘very sorry’ over Senator Lummis' reelection decision

cointelegraph12/21 05:17

Founder's Playbook: Story is Leverage, No Product is Just Self-Indulgence

Founder's Playbook: Story as Leverage, No Product is Just Self-Indulgence Many marketing efforts in crypto fail because founders don't know how to "tell stories." A story is the lasting impression a brand leaves—it's the emotional resonance and mindshare accumulated over time. Examples include Apple's "Think Different" and Nike's "Just Do It." Founders often mistake media exposure, event sponsorships, or investor announcements for storytelling. But these are not stories. True storytelling requires careful cultivation and cannot be entirely outsourced. In the attention economy, storytelling has been reduced to algorithmic dopamine hits, but it remains a powerful form of leverage. Visionaries like Masayoshi Son, Elon Musk, and Steve Jobs used stories to drive capital formation and emotional engagement. However, storytelling without a product is overvalued. Viral marketing may create buzz, but without a usable, sustainable product, it ultimately fails. In crypto, many projects generate hype on social media but offer users no clear utility, often confusing them with jargon. Token price, functionality, and use cases should each tell different stories through appropriate channels. Effective storytellers—like those at Hindenburg Research or Packy McCormick—can influence markets and amplify capital. But a great story without a product, or a great product without a story, will eventually fail. Both must intertwine to create lasting impact. Storytelling is a skill that requires time, taste, and practice. Founders should engage with creative communities, support artists, and explore unrelated interests to find inspiration. The audience is forgiving—if you provide value, they will listen.

marsbit12/21 04:37

Founder's Playbook: Story is Leverage, No Product is Just Self-Indulgence