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.

What The Clarity Act Means For Ripple And XRP Once Done

The CLARITY Act, a proposed crypto market structure bill, could significantly impact Ripple and XRP by introducing clear criteria for classifying digital assets. A key provision is a 20% supply concentration threshold, where no single entity should control more than that amount of a blockchain's native asset for it to be considered mature and qualify as a commodity. Currently, Ripple controls about 40% of the total XRP supply through escrow, a central point in decentralization debates. To comply, Ripple would need to reduce its holdings by nearly half to fall below the 20% threshold, demonstrating that XRP is a decentralized commodity and not a security. The Act does not force a direct sale but requires Ripple to prove it doesn't control XRP's supply. Compliance strategies could involve managing its monthly token releases without disrupting the market.

bitcoinist12/17 02:01

What The Clarity Act Means For Ripple And XRP Once Done

bitcoinist12/17 02:01

Crypto ETPs to enter ‘cheesecake factory’ era in 2026: Bitwise

According to Bitwise researcher Ryan Rasmussen, the crypto ETP market is set to enter a "cheesecake factory" era in 2026, with over 100 new crypto-linked exchange-traded products expected to launch. This surge follows the SEC's October release of generic listing standards, which eliminates the lengthy 240-day individual approval process for qualifying crypto ETPs. The new rules are seen as a bullish development, potentially accelerating the launch of spot crypto, index, equity, and strategy-based ETPs. Market analysts believe this expansion will provide investors with a much wider range of options and could catalyze an "altcoin season," as more diversified products beyond Bitcoin and Ether gain approval. The number of crypto ETPs has already surpassed 300, and the streamlined process is expected to significantly reduce approval times from years to months for new products.

cointelegraph12/17 01:08

Crypto ETPs to enter ‘cheesecake factory’ era in 2026: Bitwise

cointelegraph12/17 01:08

Bank of Canada lays out criteria for ‘good money’ stablecoins

The Bank of Canada has outlined its criteria for "good money" stablecoins under upcoming regulations expected in 2026. Governor Tiff Macklem stated that stablecoins must be pegged 1:1 to a central bank currency and backed by high-quality liquid assets like Treasury bills. Issuers will be required to hold sufficient reserves, establish redemption policies, and implement risk management frameworks. These rules aim to modernize Canada's financial system, making digital transactions faster and more secure. The move follows similar regulatory developments in the US, UK, and Hong Kong. Canada is also developing a real-time payments system and an open banking framework but has shelved plans for a central bank digital currency.

cointelegraph12/17 00:06

Bank of Canada lays out criteria for ‘good money’ stablecoins

cointelegraph12/17 00:06

Blockchain Privacy Shouldn’t Automatically Raise Red Flags—SEC Chair

Crypto executives urged the SEC to reconsider its regulatory stance on blockchain privacy, arguing that not all privacy tool users are criminals. During the agency’s sixth crypto roundtable this year, industry representatives and regulators debated the balance between privacy, identity verification, and stablecoin adoption. SEC Chair Paul Atkins warned that mishandling privacy could turn crypto into a pervasive surveillance tool. Katherine Kirkpatrick Bos of StarkWare advocated for a presumption of legitimate use unless proven otherwise. The discussion also covered AML and KYC rules, with suggestions that cryptographic tools could verify identity without exposing personal data. Participants emphasized that privacy features could drive stablecoin adoption and legitimate business use, though no immediate policy changes resulted from the meeting. Tensions between regulatory oversight and technological innovation remain unresolved.

bitcoinist12/16 22:01

Blockchain Privacy Shouldn’t Automatically Raise Red Flags—SEC Chair

bitcoinist12/16 22:01

Banks Can Soon Issue Stablecoins: FDIC Begins Rulemaking Under GENIUS Act

The FDIC has announced a new framework allowing banks to apply for issuing payment stablecoins through subsidiaries under the GENIUS Act. Acting Chair Travis Hill stated the process is designed to ensure the safety and soundness of bank applications. Banks must submit detailed proposals, including descriptions of the stablecoin, subsidiary activities, financial information, ownership structure, and customer policies. The FDIC will notify applicants within 30 days if an application is substantially complete and must decide on approval within 120 days thereafter. This is the first step in implementing the stablecoin law, with further proposals on management standards and digital asset regulations expected.

bitcoinist12/16 21:02

Banks Can Soon Issue Stablecoins: FDIC Begins Rulemaking Under GENIUS Act

bitcoinist12/16 21:02

US senator sounds alarm on DeFi, cites PancakeSwap amid market structure delay

US Senator Elizabeth Warren has called on the Treasury Department and the Department of Justice to investigate potential national security risks posed by decentralized cryptocurrency exchanges, specifically citing PancakeSwap and Uniswap. In a letter to officials, she expressed concerns over money laundering linked to North Korea and possible improper political influence from the Trump administration, including allegations that PancakeSwap promoted coins tied to the Trump family’s crypto venture. Warren emphasized the need for clarity on whether authorities are seriously examining these risks as Congress considers DeFi-related market structure legislation. The markup hearing for the Responsible Financial Innovation Act has been delayed to 2026. Separately, crypto advocate and XRP lawyer John Deaton, who previously ran against Warren, announced he will campaign again for the Senate in 2026.

cointelegraph12/16 20:42

US senator sounds alarm on DeFi, cites PancakeSwap amid market structure delay

cointelegraph12/16 20:42

SEC ends probe into Aave after four years, CEO says

The US Securities and Exchange Commission (SEC) has ended its four-year investigation into decentralized finance platform Aave without recommending enforcement action, according to CEO Stani Kulechov. The decision was communicated via a letter dated August 12, which Kulechov shared publicly. The closure of the probe aligns with a broader trend of the SEC dropping long-running investigations into crypto firms, including Uniswap Labs, Gemini, and Ripple, following the inauguration of President Donald Trump. Following the news, Aave’s native token (AAVE) surged more than 3% in 24 hours. The SEC declined to comment on the investigation.

cointelegraph12/16 19:27

SEC ends probe into Aave after four years, CEO says

cointelegraph12/16 19:27

US banks could soon issue stablecoins under FDIC plan to implement GENIUS Act

The Federal Deposit Insurance Corp. (FDIC) has proposed a framework allowing regulated U.S. banks to issue payment stablecoins through subsidiaries, as part of implementing the GENIUS Act. The proposal outlines approval requirements, including assessments of financial condition, management quality, and redemption policies. Once approved, the FDIC would serve as the primary regulator. The GENIUS Act, signed into law by President Trump in July, establishes a comprehensive regulatory framework requiring stablecoin issuers to maintain one-to-one reserves with U.S. dollars or other high-quality liquid assets. The legislation is seen as a way to strengthen the U.S. dollar's global reach, with the stablecoin market exceeding $300 billion, largely dominated by dollar-pegged tokens.

cointelegraph12/16 18:17

US banks could soon issue stablecoins under FDIC plan to implement GENIUS Act

cointelegraph12/16 18:17

UK crypto ownership dropped to 8% in 2025: YouGov poll

A YouGov poll commissioned by the UK's Financial Conduct Authority (FCA) reveals that cryptocurrency ownership among UK adults dropped to 8% in 2025, down from 12% in 2024. Despite the decline, this figure is double the 4% rate recorded in 2021. The report highlights a shift toward larger investments, with fewer small-value holdings. Among crypto holders, 57% reported owning Bitcoin and 43% Ether, while 21% held Solana. The FCA also announced consultations on new crypto market rules for exchanges, staking, lending, and DeFi, seeking feedback by February as part of broader regulatory efforts.

cointelegraph12/16 16:46

UK crypto ownership dropped to 8% in 2025: YouGov poll

cointelegraph12/16 16:46

OCC’s Approval Of Crypto Charters Faces Pushback From Banking Lobbyist Groups

The Office of the Comptroller of the Currency (OCC) has approved conditional bank charters for five cryptocurrency firms—Ripple, Circle, BitGo, Paxos, and Fidelity—sparking strong criticism from traditional banking groups. Industry associations, including the Independent Community Bankers of America and the American Bankers Association, argue that the approvals stretch the definition of a national trust bank and create regulatory risks. Critics claim stablecoin operators gain federal banking access without meeting the same capital and regulatory requirements as traditional banks, posing a direct threat to the conventional banking model. OCC Comptroller Jonathan Gould defended the move, stating it promotes competition and innovation. Despite potential legal challenges, experts note that the GENIUS Act complicates efforts to oppose these charters, and litigation is unlikely to hinder stablecoin activities.

bitcoinist12/16 14:21