# Finance Related Articles

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

Investors Looking at AI as a Real Alternative to Crypto Startups

Investors are shifting focus from crypto startups to Artificial Intelligence (AI), viewing AI as a more promising sector with faster revenue visibility and growth potential. While crypto fundraising has reached $2.5 billion in 2026, investment terms are becoming stricter, favoring projects that clearly demonstrate value. Crypto prices have declined recently, with major tokens like BTC and ETH dropping nearly 4%. AI-related cryptocurrencies also fell, though a few like FAI and POP saw significant gains. AI is already integrated into crypto for trading, security, and analysis, but faces criticism over potential market manipulation and data noise for inexperienced traders.

TheNewsCrypto03/07 11:57

Investors Looking at AI as a Real Alternative to Crypto Startups

TheNewsCrypto03/07 11:57

Those Who Hate Bitcoin Are 'Plundering' the World with Private Credit

Author Jeff Park argues that private credit is the latest and most insidious financial innovation designed to conceal risk, ultimately socializing losses onto unsuspecting pensioners and insurance policyholders. Unlike past instruments like junk bonds or structured credit, private credit is structured to be opaque, with slow, smoothed valuations that hide problems until catastrophic, instantaneous write-downs occur (like BlackRock recently writing two loans to zero). The article posits that the 2008 crisis didn't eliminate risk but pushed it into a shadow banking system. The $2 trillion private credit market, now funding major AI projects, creates a perverse cycle: workers' retirement savings are used for automation that may eliminate their jobs. The core criticism is the flawed incentive structure: fund managers collect fees upfront while long lock-ups and a lack of transparency ensure that retirees and ordinary investors bear all the losses when the investments fail, making it a form of "theft of time" where profits are privatized and losses are socialized.

marsbit03/06 09:53

Those Who Hate Bitcoin Are 'Plundering' the World with Private Credit

marsbit03/06 09:53

Ripple's 'Backdoor' Access to the Heart of Wall Street: Is XRP's Spring Coming?

Ripple, through its institutional platform Ripple Prime (formerly Hidden Road), has been added to the participant list of the National Securities Clearing Corporation (NSCC), a subsidiary of the Depository Trust & Clearing Corporation (DTCC). This grants Ripple direct access to the core clearing and settlement infrastructure of Wall Street, marking a significant step toward mainstream financial integration. The move allows Ripple Prime to clear over-the-counter (OTC) trades for institutional clients through the NSCC’s central counterparty system, reducing counterparty risk and improving efficiency. Ripple acquired Hidden Road in 2025, gaining an established pipeline serving over 300 institutional clients with approximately $3 trillion in annual trading volume. The development has sparked speculation within the XRP community about the potential use of the XRP Ledger (XRPL) for settling institutional transactions. If even a fraction of the cleared assets were settled on XRPL, it could significantly increase network activity and demand for XRP, building on Ripple’s existing On-Demand Liquidity (ODL) solution. However, challenges remain, including regulatory hurdles, the need to build trust among traditional financial institutions, and competition from other blockchain projects. While this infrastructure upgrade may not cause immediate price movements, it positions XRP as a potential settlement layer for institutional assets, shifting its value proposition from a payment token to a foundational component in the convergence of crypto and traditional finance.

marsbit03/06 01:10

Ripple's 'Backdoor' Access to the Heart of Wall Street: Is XRP's Spring Coming?

marsbit03/06 01:10

Eric Trump Goes to War With Big Banks Over ‘Anti‑American’ Crypto Lobbying

Eric Trump has publicly criticized major U.S. banks, including JPMorgan Chase, Wells Fargo, and Bank of America, accusing them of pursuing an "anti-American" agenda by lobbying against crypto and stablecoins. He claims these institutions are trying to block Americans from earning higher yields on savings—often 4–5% in crypto platforms—to protect their low-interest monopoly and prevent deposit flight. According to Trump, banks are supporting bills like the Clarity Act to restrict yields and rewards on stablecoins, undermining competition and consumer freedom. He argues this contradicts American ideals and reflects the banking industry's panic over losing dominance in digital finance. The conflict centers on the GENIUS Act, which allowed stablecoins but banned interest payments, and the proposed Clarity Act, which aims to further limit yields.

bitcoinist03/05 21:30

Eric Trump Goes to War With Big Banks Over ‘Anti‑American’ Crypto Lobbying

bitcoinist03/05 21:30

Wall Street Giant Morgan Stanley Amends Bitcoin ETF Filing With Coinbase In Key Role

Morgan Stanley has amended its S-1 filing with the SEC for a spot Bitcoin ETF, providing new operational details. The proposed Morgan Stanley Bitcoin Trust will use Coinbase Custody and BNY Mellon as custodians, storing Bitcoin in offline cold storage to mitigate cyber risks. The custodians are not FDIC-insured but maintain private insurance. This move coincides with a resurgence in the Bitcoin ETF market, which has seen significant inflows and helped push Bitcoin's price to a one-month high above $73,000. Analysts suggest this ETF could strengthen Morgan Stanley's role in crypto infrastructure, attract talent, and create opportunities in tokenized assets, aligning with the firm's broader digital asset ambitions.

bitcoinist03/05 16:02

Wall Street Giant Morgan Stanley Amends Bitcoin ETF Filing With Coinbase In Key Role

bitcoinist03/05 16:02

Eric Trump Calls Banks ‘Anti-American’ Amid Stablecoin Yield Fight in U.S. Crypto Bill

Eric Trump, co-founder of World Liberty Financial and son of Donald Trump, has criticized major banks as "anti-American" for opposing stablecoin rewards in proposed U.S. crypto legislation. He accuses banks of lobbying against features that allow consumers to earn 4-5% yields on stablecoins, arguing they want to protect their own low-interest savings accounts and prevent deposit outflows. This debate is central to the Clarity Act, which aims to establish crypto rules. World Liberty Financial, issuer of the USD1 stablecoin, is seeking a banking charter amid this conflict. Donald Trump also criticized banks after meeting with Coinbase's CEO, highlighting the broader tension between traditional finance and the emerging crypto sector over consumer choice and financial innovation.

TheNewsCrypto03/05 08:00

Eric Trump Calls Banks ‘Anti-American’ Amid Stablecoin Yield Fight in U.S. Crypto Bill

TheNewsCrypto03/05 08:00

Web3 Lawyer Analysis: Where is the Future of U.S. Stock Tokenization?

The article analyzes the future of U.S. stock tokenization, focusing on recent moves by major exchanges like NYSE and Nasdaq to launch tokenized stock trading by 2026. It argues that traditional market constraints—such as limited trading hours due to banking schedules—are being overcome through tokenized settlements and stablecoin-based infrastructure, enabling 24/7 trading. The piece highlights how tokenization compresses traditional financial workflows, reducing reliance on intermediaries like banks and shifting value toward integrated链上 platforms. It also discusses competition from Web3 exchanges, wallets becoming key traffic entry points, and the role of stablecoins in reshaping monetary ecosystems. The author concludes that tokenization represents a structural shift in market infrastructure, merging traditional regulatory compliance with blockchain efficiency to redefine asset liquidity and global pricing power.

marsbit03/04 06:58

Web3 Lawyer Analysis: Where is the Future of U.S. Stock Tokenization?

marsbit03/04 06:58

XRP Is Not Competing For Digital Gold Status, The Settlement Layer Is The Real Deal

XRP is not competing to be "digital gold" but is positioning itself as a global settlement layer, according to analyst Luke Suther. He argues that XRP's value lies in its utility as a digital bridge for moving value instantly across borders, especially in a multipolar world where no single currency dominates. While gold serves as a store of value and reserve asset, XRP facilitates frictionless, high-speed settlements. This complementary role makes it essential for institutions seeking efficient cross-border liquidity free from political interference. Another expert, Versan Aljarrah, emphasizes that such neutral settlement infrastructure is becoming a national security priority for countries avoiding dollar-dominated systems.

bitcoinist03/04 04:08

XRP Is Not Competing For Digital Gold Status, The Settlement Layer Is The Real Deal

bitcoinist03/04 04:08

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