Best High-Yield Savings Rates in the US — Up to 4.91%
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Best High-Yield Savings Rates in the US — Up to 4.91%
Your Savings Account Is Probably Earning Almost Nothing Here's the Fix If your money is sitting in a regular savings account right now, it's quietly losing value to inflation and the fix takes about 10 minutes. Here's the gap most people don't realize exists: the average traditional savings account pays just 0.22% APY. The best high-yield accounts available right now pay up to 4.91% APY more than 10 times the national average. On a basic savings account, the highest yield today is 5.84%, while the average standard account pays just 0.22% That's not a rounding error. On $10,000 in savings, the difference between 0.22% and 4.91% is roughly $469 a year in free money, just for moving your cash to a better account. Why Rates Are Still This High Savings rates are heavily influenced by the Federal Reserve's moves and after the Fed cut rates at it's September, October, and December 2025 meetings, many savers assumed yields would keep falling. They haven't at lea...
IBM Joins Swift's Blockchain: 17 Banks Already Piloting It
IBM Plugged Into Swift's Banking Blockchain Here's Who's Already On It: The world's biggest bank messaging network just quietly went blockchain and IBM wants in. On September 25 - 2026, IBM connected its Digital Asset Haven platform to Swift's blockchain-based shared ledger, currently in beta. The move lets banks move tokenized deposits across Swift's network using an ISO 20022 messaging adapter meaning banks can tap blockchain rails without ripping out their existing payment systems. Swift isn't a small player here. It connects over 12,500 financial institutions across more than 200 markets, moving the equivalent of world GDP every two to three days. So when Swift adds blockchain to that stack, banks pay attention. The First Live Transaction Already Happened HSBC and Standard Chartered beat everyone to the punch, completing the first live transaction on the ledger back in August proof the system works outside the lab. Meet the 17 Founding Banks Swift's ...
Crypto Funds Just Posted Their Best Week of 2026 — $3.5B in a Single Week
"Bitcoin ETFs Go 5-for-5: Crypto Funds Hit Biggest Inflow Week of the Year" Digital asset investment funds pulled in $3.5 billion last week, according to CoinShares latest Digital Asset Bi-Weekly Digest the largest single-week inflow recorded in 2026. The surge pushed total assets under management across crypto funds to $173 billion globally. Bitcoin Led the Charge US spot Bitcoin ETFs were the standout performer, hauling in $2.39 billion and staying positive on all five trading days of the week. Ethereum products weren't far behind, adding $690 million over the same stretch. Together, these flows pulled year-to-date totals back into positive territory up to $8.6 billion for 2026 so far. What Sparked the Rally? CoinShares attributes the strength to the removal of uncertainty following the Federal Reserve's recent rate decision. Once the outcome became clear, investors who had been sitting on the sidelines started deploying capital again. The US Dominated But Who Else...
Visa Is Shutting Down the Meme Coin Credit Card Loophole
Buying meme coins with a credit card came with an unexpected perk: some users could earn ordinary credit card points and cash back on their crypto purchases. Visa is now moving to close that loophole. The issue centered on how meme coin purchases were classified by payment processors . Some Crossmint-powered checkouts used merchant category code (MCC) 5815 , a category intended for digital media such as movies, music and audiobooks, rather than a crypto-specific category. That meant a meme coin purchase could look to the card network like a normal digital-media purchase. How the loophole worked Users of Robinhood Wallet and Fomo could purchase certain meme coins using credit cards through Apple Pay or Google Pay. According to The Block's testing, transactions made with Visa and Mastercard cards were classified as digital-media purchases and could earn normal card rewards, including points and cash back. The classification mattered because crypto purchases are generally t...
Vitalik Says AI Will Make Crypto More Secure
What if the same AI that helps hackers find vulnerabilities could also make your crypto harder to steal? That is the possibility Ethereum co-founder Vitalik Buterin is pointing to. He argues that AI could make software fundamentally harder to break by making formal verification practical at a much larger scale. Formal verification uses mathematical proofs to confirm that code follows specific security rules. Instead of relying only on testing to find bugs, developers can prove that certain parts of a program behave as intended. But Buterin says there is a bigger challenge. The Hardest Part Is Defining Security According to Buterin, defining what “secure” actually means is harder than verifying the code . A security definition needs to account for more than obvious bugs. It may also need to consider compromised servers, leaked keys, network attacks, metadata and hardware vulnerabilities. If an important threat is missing from the definition, a perfect mathematical proof will no...
Dormant Bitcoin Wallets Are Moving. What Are Long-Term Holders Telling Us?
Bitcoin holders who stayed silent for years are starting to move their coins again.
That sounds bearish at first.
But dormant Bitcoin becoming active doesn't automatically mean long-term holders are selling.
The more important question is where those coins are going.
In early September, more than 626 BTC that had been sitting in dormant wallets for years moved during the first five days of the month. The coins were worth more than $50 million at the time.
For investors, these movements offer a rare look at what some of Bitcoin's oldest holders may be thinking.
When dormant Bitcoin moves to an exchange
This is the signal traders usually pay the most attention to.
If old coins move from long-term storage into an exchange wallet, the holder may be preparing to sell.
That can mean:
- Taking profits after a major price increase
- Reducing exposure
- Preparing for a market downturn
- Or, in some cases, simply moving coins for another reason
The important point is that an exchange deposit creates potential selling pressure.
A dormant wallet moving thousands of BTC directly to an exchange is therefore much more significant than an old wallet simply moving coins to another private address.
Recent examples show why investors watch this closely. A Bitcoin wallet that had been inactive for seven years recently moved 2,931 BTC worth roughly $188 million, with the transaction drawing attention because of its potential connection to exchange activity.
But not every movement is selling
This is where the story gets more interesting.
Old Bitcoin can move from one self-custody wallet to another without ever reaching an exchange.
That could mean the owner is changing their storage setup, reorganizing their holdings, moving to a different custodian or simply becoming active again.
It could even reflect renewed conviction.
So seeing dormant Bitcoin move is not enough to conclude that long-term holders are turning bearish.
The destination matters.
Bitcoin's older supply is still relatively quiet
There is also another side to the data.
Research from Galaxy indicates that movement among Bitcoin held for more than a year has fallen significantly in 2026 compared with 2025, suggesting that the major wave of older-holder distribution has slowed.
That gives the recent dormant-wallet activity more context.
We're seeing individual old wallets wake up, but that doesn't necessarily mean the entire long-term-holder group is rushing for the exit.
What investors should watch
Three signals are particularly important.
Exchange inflows:
Old coins moving toward exchanges can increase the risk of selling pressure.
Self-custody movements:
Coins moving between private wallets are harder to interpret and aren't automatically bearish.
Bitcoin's price reaction:
If large dormant coins move and Bitcoin absorbs the supply without significant weakness, the market may be showing strong demand.
That last point is crucial.
Markets are ultimately about supply and demand.
Even if an old holder sells, someone else has to buy those coins.
The signal isn't bullish or bearish by itself
Dormant Bitcoin activity is best viewed as a warning light, not a trading signal.
A surge in old coins moving tells us that long-term holders are becoming more active.
It doesn't tell us why.
They could be selling.
They could be taking profits.
They could be moving their Bitcoin into new wallets.
Or they could simply be reorganizing their holdings.
That's why investors should look beyond the headline number.
Don't just ask how much dormant Bitcoin moved. Ask where it moved, whether exchanges are receiving it, and how Bitcoin's price responds.
Those details can tell us far more about long-term holder sentiment—and whether the next move is distribution, reallocation or renewed conviction.
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