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On April 21, Ripple officially announced its quantum resistance roadmap, with the core objective of achieving quantum resistance for the XRP Ledger (XRPL) by 2028. The roadmap primarily addresses the 

Ripple Unveils Quantum Resistance Roadmap Aiming for Quantum-Resistant XRP Ledger by 2028

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On April 21, according to DL News, Argentine police arrested a Chinese man (initials DZ) at Ezeiza International Airport in Buenos Aires. The suspect arrived from Paris holding a forged Paraguayan pas

Argentina Arrests Chinese Suspect in Crypto Fraud with Fake Passport, Involving $49.4 Million

WL: Ethereum L2/Sidechain

On April 21, according to Kyodo News, the Japanese government officially revised the 'Three Principles on Transfer of Defense Equipment' and its operational guidelines during a cabinet meeting, which 

Japan Officially Allows Export of Lethal Weapons Through Cabinet Resolution

Bitcoin Up 2 Weeks: Beginning or End?Daily $5000U Airdrop: One Tap to ClaimPost To Earn Bonus BIS says stablecoins act more like ETFs than money, warns of fragmentation without global rules: report BI

BIS says stablecoins act more like ETFs than money, warns of fragmentation without global rules: report
BIS General Manager Pablo Hernandez de Cos said stablecoins function more like exchange-traded funds than money due to redemption frictions and price deviations from par.

He warned divergent national rules risk fragmenting the $300 billion stablecoin market, where Tether and Circle account for roughly 85% of supply.
The Bank for International Settlements has reiterated the need for global coordination on stablecoin rules, which the institution said function more like investment vehicles than money, Reuters reported on Monday. 

The bank for central banks comment arrives as stablecoin supply continues to expand. Total circulation for dollar-pegged tokens has exceeded $300 billion, per The Block's data dashboard. Tether's USDT leads with a market cap of nearly $186 billion, while Circle's USDC ranks second at approximately $78.8 billion.
According to BIS General Manager Pablo Hernandez de Cos, this market concentration, where two issuers account for roughly 85% of global circulation, exhibits "redemption frictions" and frequent price deviations that make stablecoins resemble "securities rather than money." He further specified that these assets currently operate more like exchange-traded funds than traditional payment instruments.

He also warned that stablecoins could undermine monetary and fiscal policy, trigger financial market stress, and hamper efforts to fight illicit finance. He called for international cooperation, saying divergent frameworks across jurisdictions "could lead to severe market fragmentation or enable harmful regulatory arbitrage."

Additionally, de Cos reiterated concerns about potential runs on stablecoins, saying large redemptions could transmit stress to broader markets. 



BIS says stablecoins act more like ETFs than money

BASED: Hyperliquid’s On-Chain Super App

On April 21, the U.S. Senate Banking Committee will hold a confirmation hearing for Federal Reserve Chair nominee Kevin Warsh at 10 AM ET (10 PM Beijing time) on Tuesday. According to an opening state

Fed Nominee Warsh's Opening Statement Released, Commits to Independence in Rate Decisions

On April 21, on-chain analyst Yu Jin reported that a whale/institution incurred a loss of 310 ETH (approximately $720,000) while attempting to retrieve 17,400 ETH stored on Aave. They sold the deposit

Whale/Institution Loses $720,000 to Retrieve 17,400 ETH from Aave

Bitcoin Up 2 Weeks: Beginning or End?HTX DAO's First Hackathon Launches!Daily $5000U Airdrop: One Tap to ClaimCoinbase has rolled out its crypto-backed lending service in the United Kingdom, allowing 

Coinbase has rolled out its crypto-backed lending service in the United Kingdom, allowing users to borrow up to $5 million in USDC against digital assets. Summary Coinbase has launched crypto-backed loans in the UK, allowing users to borrow up to $5 million in USDC against bitcoin, ethereum, and cbETH. Loans are issued through Morpho on Base with variable interest rates, no fixed repayment schedule, and liquidation tied to collateral value thresholds. Coinbase said in a statement on Monday that the new offering lets UK users access loans through Morpho on its Layer 2 network Base, with all loans secured by overcollateralized crypto holdings. The service currently accepts Bitcoin, Ethereum, and cbETH as collateral. Once pledged, the assets are transferred on-chain into a Morpho smart contract and remain locked until the borrower repays the loan. Users can initiate borrowing directly from the Coinbase app by selecting a collateral asset and choosing how much USDC they want to receive. Funds are issued “within seconds” after approval, according to the company, and are credited to the user’s Coinbase account, where they can be converted into British pounds or moved elsewhere. Interest rates are not fixed and are calculated automatically by Morpho, adjusting continuously based on market activity and block-by-block conditions on Base. You might also like: Crypto Regulation: Coinbase Is Threatening to Walk Away From the Senate Crypto Bill Again No set repayment schedule has been introduced for the product. Borrowers can repay partially or in full at any time. Liquidation takes place when the total loan value, including accrued interest, reaches a defined threshold relative to the collateral. Coinbase said users are notified ahead of such events through email and text alerts. Expansion builds on U.S. traction The UK launch follows Coinbase’s earlier rollout of

Coinbase has rolled out its crypto-backed lending

Bitcoin Up 2 Weeks: Beginning or End?Daily $5000U Airdrop: One Tap to ClaimHTX DAO's First Hackathon Launches!2026’s altcoin rotation is skipping meme narratives and flowing into XRP, BNB, Solana, TRO

2026’s altcoin rotation is skipping meme narratives and flowing into XRP, BNB, Solana, TRON and Hyperliquid, as traders pay for throughput and real volume. Summary Capital in early 2026 is rotating into payment tokens, exchange ecosystems, high‑throughput L1s and derivatives infrastructure, not long‑tail narrative coins. XRP, BNB, Solana and TRON continue to command deep liquidity, while derivatives venue Hyperliquid has pushed its HYPE token into the large‑cap ranks. Between 11:00 and 13:00 UTC, majors showed tighter spreads and shallower drawdowns than mid‑cap DeFi names, as traders paid a premium for volume and utility. Altcoin flows in 2026 are starting to look less like a classic “altseason blow‑off” and more like a cold‑eyed rotation toward tokens that do real transactional work. Across derivatives desks and spot venues, liquidity is clustering around payment rails, centralized‑exchange ecosystems, high‑throughput base layers and perpetuals platforms, while complex DeFi experiments and bridge‑dependent tokens lag on both volume and depth. Recent market structure data illustrates the split. Reports tracking intraday microstructure say that between 11:00 and 13:00 UTC, majors like Solana traded with “deeper spot books and narrower spreads” than mid‑cap DeFi names, and DEX volume remained disproportionately concentrated on Solana‑based venues even as the broader market leaned risk‑off. In the same window, liquidity in exchange tokens and derivatives‑linked assets such as BNB and Hyperliquid’s HYPE held up better on a relative basis, with lower slippage for size and smaller intraday drawdowns than DeFi L2s and LST/LRT plays exposed to bridge risk. Traders pay for volume, not narratives Commentary from market structure analysts frames the shift bluntly: “pay me for throughput and volume, not for clever staking abstractions.” That mantra is showing up 

2026’s altcoin rotation is skipping meme narrative

Bitcoin Up 2 Weeks: Beginning or End?Daily $5000U Airdrop: One Tap to ClaimHTX DAO's First Hackathon Launches!Iran war news escalated Monday as President Trump renewed his threat to bomb Iranian bridg

Iran war news escalated Monday as President Trump renewed his threat to bomb Iranian bridges and power plants if no deal is reached before Wednesday’s ceasefire expiry, NBC News reported, even as Iran’s central military command warned its response to any civilian infrastructure strike would be “much more devastating and widespread.” Summary Trump told reporters Iran is “getting obliterated” and said he alone controls any ceasefire decision, adding he has given Tehran opportunities to end the war that they have not taken. When asked if bombing civilian infrastructure would be a war crime, Trump said: “No. I hope I don’t have to do it.” Iran’s Khatam al-Anbiya military command warned that any repeat attack on civilian targets will trigger a “much more devastating and widespread” response. Iran war news reached its most dangerous threshold this week as Trump used the Wednesday ceasefire expiry as a hard deadline for Iran to accept his terms or face strikes on power plants, bridges, and other civilian infrastructure. The threat is not new: Trump warned “a whole civilization will die tonight” on April 7, before agreeing to the current two-week ceasefire hours later. He has now renewed the threat with the ceasefire’s final days running out and no deal in sight. “No. I hope I don’t have to do it,” Trump told reporters Monday when asked directly if bombing civilian infrastructure would constitute a war crime. He pointed to Iranian attacks on civilians throughout the conflict, saying: “They’re animals, and we have to stop them.” Iran’s Khatam al-Anbiya Central Headquarters issued a formal statement Monday: “If attacks on civilian targets are repeated, the next stages of our offensive and retaliatory operations will be much more devastating and widespread.” What Trump Said and What Iran Threatened Back Trump simultaneously described Iran as negotiating “in good 

Iran war news escalated Monday as President Trump

Daily $5000U Airdrop: One Tap to ClaimBitcoin Up 2 Weeks: Beginning or End?Post To Earn Bonus The Banks Would Like To Dye Your Stablecoins Pink If you are a bank, your core business model is quite ele



The Banks Would Like To Dye Your Stablecoins Pink

If you are a bank, your core business model is quite elegant. You take people’s money, you pay them zero percent interest on their checking accounts, and you lend that money out to other people at five or seven percent interest. You keep the difference. This is a very good business, and if you have it, you will fight very hard to keep it.

The problem with paying your depositors zero percent is that eventually, someone else will come along and offer to pay them something. When this happens, you have two choices. You can raise your own deposit rates to compete, which costs you money and ruins your business model. Or you can go to the government and ask them to make it illegal for the others to pay interest.

Historically, banks strongly prefer the second option.

A stablecoin is a cryptocurrency pegged to the US dollar. If you give a stablecoin issuer a dollar, they give you a digital token, put your dollar in Treasury bills, and earn about 4%. Historically, stablecoin issuers have kept that yield for themselves. The obvious next step in the evolution of this product is that they share some of the yield with you, so that you will hold their token instead of leaving your money parked elsewhere.

Under $GENIUS, issuers themselves cannot pay yield to holders. The live CLARITY fight is whether affiliated exchanges, distributors, or rewards programs can share those economics with users in ways that are functionally equivalent to interest.

The banks do not care for this.

And so they are calling their senators. Congress has been locked in talks for months over a crypto regulatory framework — the $GENIUS Act last summer for stablecoin issuers, and now the CLARITY Act for everything else, including the question of what stablecoin players can do. Treasury Secretary Scott Bessent has publicly urged the Senate to move forward

The Banks Would Like To Dye Your Stablecoins Pin

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