# Сопутствующие статьи по теме Innovation

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

From 24 to 1 to 5: YC No Longer Invests in Crypto, But Crypto Hasn't Disappeared

The article analyzes Y Combinator's shifting investment strategy in crypto, moving from a peak of 24 crypto startups in a single batch (Winter 2022) to a low of just 1 (Summer 2024), with a recent modest rebound to 5 in Winter 2026. The key insight is that while the *number* of crypto investments has drastically fallen, the *nature* of these investments has fundamentally changed. YC is no longer funding traditional crypto-native sectors like L1/L2 protocols, DeFi, or NFTs. Instead, the five recent investments are infrastructure companies that use crypto as a backend tool to solve specific problems, with the end-user often unaware of the underlying blockchain technology. Examples include: * **Unifold:** A Stripe-like API for crypto deposits. * **SpotPay:** A cross-border neobank powered by stablecoins. * **Sequence Markets:** An execution engine for digital asset trading. * **Orthogonal:** A payment gateway for AI agents to pay for APIs, utilizing crypto for machine-to-machine micropayments. * **Forum:** A regulated "attention exchange" to trade on cultural trends, potentially involving tokenization. The author, a professional in both crypto and AI, concludes that Silicon Valley's mainstream is redefining crypto's value proposition: its greatest potential is not as a standalone industry but as invisible infrastructure for other sectors, particularly in stablecoin financial services and emerging fields like AI agent economies. The message for crypto builders is to focus on solving real-world problems where crypto is the best tool, rather than building for the crypto ecosystem itself.

marsbit02/20 11:26

From 24 to 1 to 5: YC No Longer Invests in Crypto, But Crypto Hasn't Disappeared

marsbit02/20 11:26

White House Renews Stablecoin Rewards Talks

U.S. officials met with banking and crypto industry leaders at the White House to discuss stablecoin rewards—a key issue under the proposed CLARITY Act. Crypto advocates argue rewards promote adoption and competitiveness, while banks warn they blur the line with traditional deposits and pose systemic risks. Lawmakers must decide whether to treat yield-bearing stablecoins as bank deposits or risk regulatory arbitrage. The outcome will significantly impact the digital asset market, influencing innovation, financial stability, and U.S. competitiveness. No agreement was reached, but discussions continue as both industries lobby for a favorable resolution.

TheNewsCrypto02/20 06:56

White House Renews Stablecoin Rewards Talks

TheNewsCrypto02/20 06:56

U.S. SEC Chair Details Key Crypto Policy Priorities for 2026

SEC Chairman Paul S. Atkins outlined the agency’s 2026 crypto policy priorities during a dialogue at ETHDenver. Under his leadership, the SEC has taken multiple steps to provide regulatory clarity, including issuing guidance, holding roundtables, collaborating with the CFTC, and ending regulation-by-enforcement approaches. Key ongoing and upcoming initiatives include: - A joint effort with the CFTC (Project Crypto) to improve regulatory alignment. - A framework clarifying when crypto assets qualify as "investment contracts." - An "innovation exemption" to allow limited trading of tokenized securities on new platforms. - Rulemaking proposals for crypto fundraising, broker-dealer custody of non-security crypto assets, and modernizing transfer agent rules. - Additional no-action letters and guidance to improve compliance clarity. Atkins emphasized that the SEC’s role is not to react to market volatility but to ensure investors have adequate disclosure. He encouraged builders to develop useful applications and engage constructively with regulators. The approach aims to integrate innovation within existing regulatory frameworks without compromising investor protection or market integrity.

marsbit02/20 01:52

U.S. SEC Chair Details Key Crypto Policy Priorities for 2026

marsbit02/20 01:52

Brad Garlinghouse says CLARITY Act could pass by April as Polymarket odds hit 85%

Brad Garlinghouse, CEO of Ripple, has stated that the US CLARITY Act could pass as early as April, signaling potential regulatory clarity for digital assets. This optimism is reflected in prediction markets, with Polymarket traders assigning an 85% probability of the bill becoming law by 2026, a significant increase from 60% earlier this year. Garlinghouse and other industry leaders view the legislation as a crucial step toward resolving long-standing regulatory uncertainty, which they argue has disadvantaged US crypto firms. While some industry reservations remain about specific provisions, the rising market confidence suggests passage is increasingly seen as the base case. The act is viewed as a medium-term structural shift rather than an immediate market catalyst.

ambcrypto02/19 20:43

Brad Garlinghouse says CLARITY Act could pass by April as Polymarket odds hit 85%

ambcrypto02/19 20:43

Coinbase CEO Sees ‘Win-Win’ Outcome For Delayed Crypto Market Structure Bill

Coinbase CEO Brian Armstrong remains optimistic about the delayed crypto market structure bill (CLARITY Act), expecting a "win-win" outcome for the industry, banks, and consumers. Despite bipartisan House approval in July 2025, the bill stalled in the Senate due to disputes, including over stablecoin rewards. Senator Bernie Moreno opposes allowing issuers to offer yields, while Armstrong argues rewards are essential for U.S. competitiveness. Armstrong notes growing bank involvement in crypto and emphasizes the need for innovation. High-level discussions continue, with the White House considering further meetings to resolve the deadlock.

bitcoinist02/19 14:32

Coinbase CEO Sees ‘Win-Win’ Outcome For Delayed Crypto Market Structure Bill

bitcoinist02/19 14:32

Phemex Launches AI-Native Revolution, Signaling Full-Scale AI Transformation

Phemex, a cryptocurrency exchange, has announced a company-wide "AI-Native Revolution" to embed artificial intelligence into its core operations, product development, and strategic planning. This transformation positions AI as a foundational layer across the organization, moving beyond standalone features to integrate intelligent systems into management, workflows, and platform architecture. The shift aims to enhance decision-making, streamline operations, and create a more adaptive and efficient trading environment for users. CEO Federico Variola stated that AI represents a structural turning point for the industry, where exchanges will compete based on intelligent technology integration rather than just listings or fees. This initiative reinforces Phemex's evolution into a fully AI-native organization focused on innovation and scalability.

TheNewsCrypto02/19 11:22

Phemex Launches AI-Native Revolution, Signaling Full-Scale AI Transformation

TheNewsCrypto02/19 11:22

Dragonfly: Crypto Was Not Made for Humans

Crypto Was Not Made for Humans: A Summary Dragonfly Capital partner Haseeb Qureshi argues that cryptocurrency was not designed for human use, but rather for AI agents. Despite being a crypto-native firm, Dragonfly still relies on legal contracts over smart contracts for investments, highlighting that traditional systems are built for human fallibility—featuring safeguards, reversibility, and intuitive interfaces that crypto lacks. Crypto, with its rigid, deterministic, and code-based nature, is error-prone for humans, leading to fears around transactions, phishing, and irreversible mistakes. However, these very traits make it ideal for AI. AI agents can perfectly verify transactions, audit contracts, and operate within crypto’s 24/7, borderless, and self-sovereign environment. They prefer code over ambiguous legal systems, which are slow and unpredictable. Qureshi envisions a future of "self-driving" wallets where AI agents handle all financial interactions, navigating DeFi protocols on behalf of users. These agents will also transact with each other autonomously, forming an economy of non-human participants—a reality already emerging with projects like Moltbook and Conway Research. In conclusion, crypto’s perceived flaws are not shortcomings but indications that humans are not the intended users. Within a decade, direct human interaction with crypto may seem archaic, as AI agents become the primary interface, unlocking the technology’s full potential.

marsbit02/19 05:14

Dragonfly: Crypto Was Not Made for Humans

marsbit02/19 05:14

A new, unified stack for Base: What’s changing and why it matters

Base is transitioning from the OP Stack to a new, unified, Base-operated stack to gain greater control over its software lifecycle. This shift, occurring over the coming months, will centralize its code and releases into a single repository (base/base). Node operators must now follow Base's own, faster release schedule instead of Optimism's. While Base will continue collaborating with Optimism as an OP Enterprise client, the move aims to accelerate innovation, improve scaling, and strengthen security by reducing external dependencies. The change reflects a broader trend of maturing L2 networks seeking tighter operational control for more rapid and reliable upgrades.

ambcrypto02/18 18:26

A new, unified stack for Base: What’s changing and why it matters

ambcrypto02/18 18:26

How Can Ordinary People 'Survive' the Impact of the AI Wave?

In this urgent warning, HyperWrite CEO Matt Shumer argues that AI advancement is progressing far faster than most people realize, with transformative impacts imminent across all sectors. He draws a parallel to the rapid onset of the COVID-19 pandemic, suggesting the current technological shift is even more profound. Shumer, an AI industry insider, states that a small group of researchers at leading labs like OpenAI and Anthropic are driving exponential progress. He shares his personal experience: recent models like GPT-5.3 Codex and Claude Opus 4.6 can now autonomously build and test complex software applications from a simple English description, requiring zero human correction. This represents a qualitative leap from being an assistant to a superior executor. He emphasizes that this disruption, which began with coding, will soon affect all knowledge work—law, finance, medicine, writing, and analysis—within 1-5 years, not decades. Free versions of AI tools are outdated; the paid, cutting-edge models are vastly more capable. Metrics show AI's autonomous task-completion time is doubling every few months. Crucially, AI is now used to build and improve subsequent AI models, creating a self-accelerating feedback loop toward artificial general intelligence (AGI). Shumer's advice for "surviving" is to start using the most powerful AI tools *now*. Subscribe to premium models, integrate them into core professional tasks, and experiment daily. Financial prudence and developing adaptability are key. He concludes that while AI poses immense risks (from job loss to security threats), it also offers unprecedented opportunities for creativity and problem-solving if approached with curiosity and urgency. The time to prepare is immediately.

marsbit02/18 04:27

How Can Ordinary People 'Survive' the Impact of the AI Wave?

marsbit02/18 04:27

The Rise of Layer 3: How Application-Specific Layers Are Powering Specialized DeFi Innovation

The emergence of Layer 3 blockchains represents a shift in scaling architecture, moving beyond the L1 (security) and L2 (speed) model. L3s act as specialized parallel execution layers designed to handle computation-heavy operations—like trading logic—without congesting the base layers. This allows users to continue transacting on L1/L2 while L3s efficiently shuttle data and liquidity to decentralized applications, particularly DEXs and perpetual trading platforms. A key application is in DeFi, where L3s enable advanced features such as real-time pricing, liquidations, and complex order types—functionality traditionally associated with centralized exchanges. Projects like Orbs exemplify this, offering plug-and-play modules that let DEXs integrate institutional-grade perps trading quickly without sacrificing decentralization. By offloading execution to L3 while settling on L1/L2, the model maintains security and decentralization at the settlement layer. This modular approach supports composability, reduces time-to-market, and allows developers to offer CEX-like user experiences onchain. Ultimately, L3s enhance scalability and functionality without requiring users to bridge assets or change their workflow.

TheNewsCrypto02/17 05:25

The Rise of Layer 3: How Application-Specific Layers Are Powering Specialized DeFi Innovation