# Сопутствующие статьи по теме Banking

Новостной центр HTX предлагает последние статьи и углубленный анализ по "Banking", охватывающие рыночные тренды, новости проектов, развитие технологий и политику регулирования в криптоиндустрии.

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

CLARITY Act misses March 1 deadline: What’s causing the holdup?

The CLARITY Act, aimed at regulating stablecoins, missed its March 1 deadline for a key agreement between banks and crypto companies. While the deadline was more a political tactic than a strict cutoff, negotiations continue with major disagreements remaining—particularly around whether crypto firms can offer rewards, APY, or staking benefits on stablecoin balances through backdoor methods like membership programs. Despite the delay, there is cautious optimism, with JPMorgan analysts predicting the bill could still pass by mid-2026 and end the current "regulation by enforcement" approach. The Senate Banking Committee is expected to review the bill again in late March. Market sentiment has been volatile, with Polymarket odds fluctuating sharply—from 72% to 42% in February, then rebounding to 73% in early March—reflecting high uncertainty. The outcome will significantly influence how the U.S. regulates crypto innovation and financial stability.

ambcrypto03/03 11:03

CLARITY Act misses March 1 deadline: What’s causing the holdup?

ambcrypto03/03 11:03

WLFI's Insider Deal Again? The $5 Billion Investment Bank License Controversy

The U.S. Office of the Comptroller of the Currency (OCC) faced scrutiny during a Senate hearing over World Liberty Financial (WLF), a crypto firm linked to the Trump family, which is seeking a national bank charter. WLF received a $500 million investment from Sheikh Tahnoon bin Zayed Al Nahyan, a UAE national security advisor and royal family member, raising concerns about potential conflicts of interest, foreign influence, and national security risks. Democratic senators, including Elizabeth Warren, questioned whether WLF disclosed the foreign investment and its implications, including possible AI chip exports to China. OCC officials declined to comment on specific applications but emphasized adherence to standard procedures. If approved, WLF could self-custody and issue its USD1 stablecoin. The firm denies any wrongdoing and claims the scrutiny is politically motivated.

marsbit03/01 13:55

WLFI's Insider Deal Again? The $5 Billion Investment Bank License Controversy

marsbit03/01 13:55

Banking Giant Barclays Considers Blockchain Payment Platform – Details

British banking giant Barclays is exploring the development of a blockchain-based payment platform to support services like payments and settlements. As part of this initiative, the bank has sent requests for information to potential technology partners and aims to select providers by April. The platform may include use cases for stablecoin payments and tokenized deposits, aligning Barclays with other major banks such as JPMorgan, BNP Paribas, Bank of America, and Citigroup, which have launched similar blockchain and digital currency projects. This move highlights the growing interest of traditional financial institutions in digital assets, particularly stablecoins, which are increasingly viewed as a transformative force in global payments. Regulatory developments, such as the U.S. GENIUS Act, are further encouraging institutional adoption. Industry analysts project significant growth for stablecoins, with estimates suggesting they could facilitate over $50 trillion in annual payments by 2030.

bitcoinist03/01 04:01

Banking Giant Barclays Considers Blockchain Payment Platform – Details

bitcoinist03/01 04:01

‘Making Bitcoin Bankable’: Citi Plans 2026 BTC Integration With Traditional Finance

A Citibank executive, Nisha Surendran, has announced the firm's plan to introduce infrastructure to integrate Bitcoin (BTC) into traditional finance by 2026. The initiative, dubbed "Making Bitcoin Bankable," aims to provide core custody, institutional-grade key management, and wallet infrastructure, allowing clients to manage Bitcoin alongside traditional assets within the same trusted framework used for $30 trillion in client assets. This will offer a single service model across crypto, securities, and money, simplifying the process for clients by handling complexities like wallets and keys. In a related institutional push, Morgan Stanley also revealed plans to expand its crypto offerings beyond simple access. The bank intends to develop native custody and an internal exchange stack, exploring yield and lending services backed by Bitcoin. This move positions Morgan Stanley to potentially become the first major bank to offer such a comprehensive in-house combination, prioritizing client security and trust. Both announcements signal a significant step toward mainstream cryptocurrency adoption within traditional financial systems.

bitcoinist02/28 08:14

‘Making Bitcoin Bankable’: Citi Plans 2026 BTC Integration With Traditional Finance

bitcoinist02/28 08:14

OCC Proposes Framework To Implement GENIUS Act, Targets Stablecoin Yield Workarounds

The Office of the Comptroller of the Currency (OCC) has released a proposed framework to implement the GENIUS Act, a landmark stablecoin regulation signed into law in 2025. The 376-page proposal outlines rules for stablecoin issuers under OCC jurisdiction, including reserve standards, liquidity requirements, and risk management controls. A key focus is addressing potential workarounds to the Act’s ban on interest payments for stablecoin holders. The OCC warns that issuers might use third-party arrangements to circumvent the prohibition and proposes a presumption that certain deals with affiliates or related parties would be considered illegal yield payments. The agency is seeking public feedback on the proposal to shape the final rule.

bitcoinist02/27 12:01

OCC Proposes Framework To Implement GENIUS Act, Targets Stablecoin Yield Workarounds

bitcoinist02/27 12:01

Finance Veteran Reveals Why XRP Price Will Actually Hit $100 Without Issue

A finance veteran, Paul White Gold Eagle, is defending his prediction that XRP could reach $100, arguing that critics overlook the cryptocurrency's underlying technology and its potential role in global finance. With a decade of experience in bank operations, he claims unique insight into financial infrastructure, comparing the shift to digital systems to the disruptive transition banks underwent from paper-based processes. He points to Ripple's upcoming CFO dashboard as evidence of real-world utility and suggests that outdated banking systems are ripe for change, making XRP's rise inevitable. Crypto analyst BarriC supports this view, warning that XRP's current low price is temporary. He believes widespread adoption by banks and financial institutions could drastically alter its valuation, pushing it to $100, $1,000, or even $10,000. Both emphasize that the asset's potential is tied to its utility in transforming global payments, and they see its revaluation as a matter of time.

bitcoinist02/27 04:06

Finance Veteran Reveals Why XRP Price Will Actually Hit $100 Without Issue

bitcoinist02/27 04:06

White House Crypto Summit In Focus Friday, Expert Predicts 3 Major Outcomes

The White House is hosting another round of talks this Friday between crypto industry and major banking representatives, aiming to advance the long-delayed crypto market structure bill (CLARITY Act) by the March 1 deadline. Negotiations have centered on stablecoin regulation, particularly whether issuers can offer interest on unused balances—a prospect now effectively ruled out. Instead, discussions focus on rewards tied to specific user actions. Market expert Paul Barron predicts several outcomes: a truce between banks and stablecoin issuers, potential Treasury protocols for a strategic crypto reserve including BTC, ETH, and XRP, and possible SEC "safe harbor" guidelines to reduce enforcement actions. However, sources indicate no breakthrough is imminent yet. Attention may shift back to unresolved issues like DeFi and ethics, especially during an upcoming Senate Democratic meeting. With the deadline approaching, the Friday session could be pivotal for legislative progress or further delays.

bitcoinist02/26 15:06

White House Crypto Summit In Focus Friday, Expert Predicts 3 Major Outcomes

bitcoinist02/26 15:06

Crypto Morning Brief: Meta Plans to Relaunch Stablecoin Project, Ethereum Foundation Announces Staking of Treasury Funds

Fed plans to permanently remove "reputation risk" from bank supervision, potentially easing crypto firms' "de-banking" issues. Emirates NBD explores adding Bitcoin to its portfolio, calling it "digital gold." White House denies Trump will pardon SBF. Ethereum Foundation begins staking 70K ETH from its treasury. Kraken launches regulated tokenized stock perpetual contracts for non-US users. Coinbase expands stock trading to all US users with 24/5 access. Meta plans to re-enter stablecoins in H2 2026, seeking third-party partners like Stripe, which is also considering acquiring PayPal. Crypto.com receives conditional US approval to form a national trust bank. Hong Kong’s RedotPay considers a US IPO aiming to raise over $1B. Cipher Mining shifts from Bitcoin mining to HPC data centers.

marsbit02/25 01:14

Crypto Morning Brief: Meta Plans to Relaunch Stablecoin Project, Ethereum Foundation Announces Staking of Treasury Funds

marsbit02/25 01:14

Could A Stablecoin Fund Gaza Relief? Trump’s Board Of Peace Is Considering It

President Donald Trump's advisory group, the Board of Peace, is exploring a plan to issue a US dollar-backed stablecoin to address severe cash shortages and broken banking services in Gaza. The proposal, still in an exploratory phase, aims to facilitate aid distribution and basic trade by allowing people and aid groups to use a digital token for essential purchases like food, medicine, and fuel. Membership on the board reportedly requires a $1 billion contribution, raising concerns over influence. Supporters argue a stablecoin could reduce transaction friction and enable faster aid delivery with fewer intermediaries. However, critics warn of risks including political isolation, patchy internet access, potential manipulation, and unresolved questions about reserve management, auditing, and legal enforcement. No issuing authority has been chosen, and the plan remains preliminary.

bitcoinist02/24 17:31

Could A Stablecoin Fund Gaza Relief? Trump’s Board Of Peace Is Considering It

bitcoinist02/24 17:31

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