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.

Stablecoin boom turns mainstream as illicit use plunges — and retail is driving the shift

Stablecoin adoption reached a significant inflection point in 2025, with transfer volumes surging to over $4 trillion, marking one of the strongest growth periods on record. Despite this expansion, illicit activity involving stablecoins fell by approximately 60% year-over-year, according to TRM Labs. This decline is attributed to enhanced global enforcement and the rise of regulated, fully backed issuers. A key shift is the growing dominance of retail users—rather than institutions—driving adoption. Factors include the return of U.S. retail investors, increased usage in emerging markets for savings and payments, and the use of stablecoins as a hedge against inflation. Stablecoins are increasingly integrated into everyday finance, such as remittances, cross-border transactions, and small payments, moving from speculative tools to core financial infrastructure. This trend signals a healthier, more mature market with expanding legitimate use cases and reduced illicit activity, positioning stablecoins as a major global payment rail in the coming decade.

ambcrypto12/11 21:37

Stablecoin boom turns mainstream as illicit use plunges — and retail is driving the shift

ambcrypto12/11 21:37

Bitcoin's Losses Against the Dollar Are 10 Times Lower Than Against the Ruble. How Did This Happen

The article analyzes Bitcoin's (BTC) significant 30%+ depreciation against the Russian ruble since the start of 2025, contrasting it with much smaller losses against major currencies like the US dollar (~3%). This disparity is attributed to the ruble's own substantial strengthening, which appreciated roughly 25% against the dollar over the same period. Consequently, while Bitcoin hit new all-time highs against the dollar, euro, and yen in late 2024, it failed to do so against the ruble. The piece further explains that the Russian ruble/Bitcoin exchange rate is not directly traded on major spot markets. Instead, it is calculated by converting the BTC/USD price using the current USD/RUB rate, leading to potential pricing discrepancies. This indirect method, coupled with the absence of major exchanges like Binance from the Russian market, has fragmented liquidity. The market now heavily relies on peer-to-peer (P2P) exchanges and over-the-counter trades using stablecoins like USDT, which often trade at a premium to the official dollar rate. These conditions have created a challenging environment, increasing fraud and "gray" schemes in P2P markets. The situation is further complicated by recent Russian legislation that impose criminal penalties for using "dropper" bank accounts (money mules) and restrict cash withdrawals, which are expected to significantly alter the crypto exchange landscape.

RBK-crypto12/11 21:30

Bitcoin's Losses Against the Dollar Are 10 Times Lower Than Against the Ruble. How Did This Happen

RBK-crypto12/11 21:30

Central Bank Responds to Call to 'Exit the Sandbox' and Allows Stablecoins

Sberbank CEO Herman Gref expressed the bank's hope for the authorization of stablecoins for domestic transactions in Russia, stating that Sber is actively discussing this possibility with the Bank of Russia. He emphasized the need to move beyond the current regulatory "sandbox" and allow basic transactional functionality with stablecoins, primarily ruble-denominated tokens for internal use. However, the Bank of Russia maintains its position that stablecoins are a form of cryptocurrency and excludes their use for domestic payments. Kirill Pronin, head of the central bank's financial market infrastructure department, argued that Russia's digital payment ecosystem is already highly developed, making such authorization unnecessary. The article notes that Russia currently operates with Digital Financial Assets (DFAs), which are tokenized versions of real assets issued on approved blockchain platforms. Some foreign digital rights, including compliant stablecoins, can be classified as DFAs. The first such recognized asset was a Kyrgyzstani ruble stablecoin, permitted only for foreign economic activity. Pronin also mentioned that the central bank is considering allowing banks and token issuers to directly issue digital assets in public blockchains, as the current method of transferring domestically issued tokens to open networks has not gained significant traction. This shift could reduce operational costs and cybersecurity risks.

RBK-crypto12/11 20:33

Central Bank Responds to Call to 'Exit the Sandbox' and Allows Stablecoins

RBK-crypto12/11 20:33

Ripple’s Bank Is About To Be A Reality – Here’s The Next Important Date For XRP

Ripple is reportedly close to receiving approval for a national banking charter from the U.S. Office of the Comptroller of the Currency (OCC), a milestone that would allow it to establish a federally regulated bank. This approval, described as "imminent" by market analysts, could significantly boost XRP's utility and institutional adoption. If granted, Ripple's proposed national trust bank, headquartered in New York, would offer custody and settlement services for both digital and traditional assets, and potentially integrate its RLUSD stablecoin. The timing aligns with a recent OCC ruling that permits U.S. banks to use digital assets like XRP in their operations, further strengthening Ripple’s position in the financial system.

bitcoinist12/11 20:09

Ripple’s Bank Is About To Be A Reality – Here’s The Next Important Date For XRP

bitcoinist12/11 20:09

Strategy Takes a Hardline Stance Against MSCI: What's in the 12-Page Open Letter of Defense?

In October 2024, MSCI proposed excluding companies with over 50% of their assets in digital assets from its global investable market indices, directly threatening Digital Asset Treasury (DAT) companies like MicroStrategy. Analysts warned this could trigger up to $8.8 billion in outflows, with MicroStrategy alone facing $2.8 billion in passive selling pressure. In response, MicroStrategy submitted a 12-page public letter to MSCI, strongly opposing the proposal as "misleading and destructive." The company argued that digital assets represent a revolutionary financial technology, comparable to historic infrastructure investments like oil or telecommunications. It emphasized that DATs are operational businesses with active revenue models, not passive funds, and criticized the 50% threshold as arbitrary, discriminatory, and impractical due to Bitcoin's volatility. MicroStrategy also accused MSCI of violating index neutrality and contradicting the U.S. government's pro-digital asset strategy. The company demanded MSCI withdraw the proposal or extend the consultation period. It is not alone—over 300 entities, including Strive and Bitcoin for Corporations, have joined opposition efforts, suggesting alternative indices instead of exclusion. The outcome, expected by January 2026, will significantly impact the integration of digital asset companies into traditional financial markets.

marsbit12/11 19:52

Strategy Takes a Hardline Stance Against MSCI: What's in the 12-Page Open Letter of Defense?

marsbit12/11 19:52

Vote on Trump’s CFTC chair pick could come today, US senator says

The top Republican on the Senate Agriculture Committee stated that the full Senate could vote on President Trump’s nominee to chair the Commodity Futures Trading Commission (CFTC), Michael Selig, as early as the same afternoon. The nomination advanced through committee along partisan lines just weeks prior. Although the Senate's schedule did not list the vote, lawmakers have a limited window to confirm Selig before the holiday break. Selig, nominated in November, emphasized the importance of the CFTC acting as a "cop on the beat" for crypto regulation. The CFTC currently has only one commissioner, Acting Chair Caroline Pham, who is expected to depart once a new chair is confirmed. Despite her impending exit, Pham continues to advance pro-crypto policies, recently adding executives from major crypto firms to the agency’s CEO Innovation Council.

cointelegraph12/11 19:24

Vote on Trump’s CFTC chair pick could come today, US senator says

cointelegraph12/11 19:24

Bank of Mexico warns fragmented global rules expose stablecoins to stress, arbitrage

The Bank of Mexico (Banxico) has warned that stablecoins present significant risks to financial stability, citing rapid growth, exposure to traditional finance, and fragmented global regulations that could lead to arbitrage and market stress. The central bank highlighted vulnerabilities such as heavy reliance on short-term U.S. Treasuries, market concentration among a few issuers, and past depegging events. Without coordinated international safeguards, mass redemptions or issuer failures could spill over into broader financial markets. Banxico also noted that divergent regulatory approaches—such as the EU’s MiCA and the U.S. GENIUS Act—create gaps that may encourage regulatory arbitrage. While acknowledging potential benefits like improved settlement efficiency and lower remittance costs, Mexico maintains a cautious stance toward crypto integration with traditional finance. In contrast, Brazil and Argentina lead Latin America in crypto adoption, with Brazil implementing banking-style supervision for crypto firms and Argentina reconsidering its ban on bank crypto trading.

cointelegraph12/11 18:26

Bank of Mexico warns fragmented global rules expose stablecoins to stress, arbitrage

cointelegraph12/11 18:26

MSCI Criticized For Bitcoin Omission: “It’s Like Faulting Chevron For Oil”

MSCI is considering excluding companies with over 50% of their balance sheets in cryptocurrencies like Bitcoin from key indices, a move criticized as penalizing firms for holding a legitimate asset. Critics, including Strategy CEO Phong Le, compare it to "faulting Chevron for oil." Analysts estimate potential forced selling of up to $8.8 billion if other index providers follow. The proposal targets "digital-asset treasury" firms, raising concerns about misclassifying operational businesses using crypto as treasury reserves. A decision is expected by mid-January 2026, which could significantly impact market flows and how public companies approach cryptocurrency holdings.

bitcoinist12/11 17:47

MSCI Criticized For Bitcoin Omission: “It’s Like Faulting Chevron For Oil”

bitcoinist12/11 17:47

US SEC's Crenshaw takes aim at crypto in final weeks at the agency

In her final weeks at the SEC, Commissioner Caroline Crenshaw criticized the agency's approach to cryptocurrency, arguing that regulatory standards have "eroded" and markets increasingly resemble "casinos." Speaking at a Brookings Institution event, she expressed skepticism about crypto's economic fundamentals, suggesting most purchases are driven by speculation, hype, or gambling rather than sound investment principles. Crenshaw also warned against exempting crypto firms from traditional securities regulations, fearing it could lead to broader market risks. Her departure will leave the SEC with a Republican majority, reflecting a broader shift in financial regulatory leadership under the Trump administration.

cointelegraph12/11 17:05

US SEC's Crenshaw takes aim at crypto in final weeks at the agency

cointelegraph12/11 17:05

Belarus blocks ByBit, Bitget, OKX as Russia clamps down on crypto gray area

Belarus has blocked access to several major cryptocurrency exchanges, including Bybit, OKX, Bitget, Gate, Bingx, and Weex. The Ministry of Information cited "inappropriate advertising" as the reason under the country's mass media law. This move coincides with Russia's announcement on the same day that it plans to allow qualified investors into the crypto market. A senior Russian central bank official acknowledged that cryptocurrencies are being used for cross-border payments, especially under international sanctions. Russia's approach involves strict access limited initially to high-net-worth qualified investors, with about one million people currently eligible. The central bank emphasized the need for strong regulations and that transactions should occur through licensed entities to be considered legal.

cointelegraph12/11 16:47

Belarus blocks ByBit, Bitget, OKX as Russia clamps down on crypto gray area

cointelegraph12/11 16:47

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