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...
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...
Bitcoin Just Got Hit by an Oil Shock. Now $75K Is the Line
Bitcoin's latest selloff wasn't caused by crypto alone. Renewed U.S.-Iran fighting around the Strait of Hormuz sent another shock through global markets, pushing Brent crude to $94.65 a barrel and sending Bitcoin below $77,000. The move quickly turned into a leverage event. About $115 million in crypto long positions were liquidated within an hour as Bitcoin broke through short-term support levels. Oil is becoming the problem The Strait of Hormuz remains one of the world's most important energy routes, so any threat to shipping immediately raises concerns about supply disruptions. That's exactly what markets are pricing in. Brent has since moved even higher, reaching around $95.52 as tensions continued into Friday. Reuters reported that Brent was on track for its strongest weekly gain since July as traders worried about further disruption. For Bitcoin, rising oil prices create another problem. A sustained energy shock can increase inflation pressure, pot...
Bitcoin Is Still 20× Smaller Than Gold
Bitcoin is getting bigger, but it's still nowhere near gold's market cap. Gold's total market value is currently around $32 trillion , while Bitcoin sits near $1.6 trillion . That puts Bitcoin at roughly 5% of gold's market cap . To match gold, Bitcoin's market cap would need to grow by about 20× . With roughly 20 million BTC circulating, that would put Bitcoin near $1.6 million per coin assuming gold's market cap stays around today's level. The interesting part isn't whether Bitcoin reaches gold tomorrow. It's how much ground Bitcoin could close if institutional adoption keeps accelerating. 5% today. 100% would be a completely different financial landscape.
Ethena Just Changed the ENA Playbook
E thena is making a major change to how ENA works. The Ethena Foundation announced four proposed changes, including buying out locked seed-investor tokens, ending monthly VC unlocks from October 5, and transferring protocol intellectual property to the foundation. But the biggest change could be what's coming next. Ethena is proposing to direct 95% of net protocol revenue toward ENA buybacks . There's just one condition: USDe must reach $7.5 billion in supply. USDe currently sits around $4 billion, meaning the stablecoin needs significant growth before the buyback mechanism can activate. ENA jumped 23% in 24 hours following the announcement. If governance approves the proposal and USDe reaches the milestone, Ethena could turn protocol growth directly into persistent buying pressure for ENA . The number to watch isn't ENA's price. It's $7.5 billion USDe.
Bitcoin's Bull Score Is Flashing Green — But There's a Warning
Bitcoin's CryptoQuant Bull Score Index has jumped from 30 to 80 , its highest level since October 2025. Eight of its 10 indicators are now bullish. But there's a warning hiding underneath the optimism. Trader unrealized profit margin has reached 20.5%. That matters because a similar spike preceded Bitcoin's roughly 30% decline in May 2026 . Meanwhile, short-term holder whales took around $1.2 billion in profits between August 20 and 22, while exchange inflows reached their highest level since June. So despite the bullish score, traders are already taking money off the table. CryptoQuant says Bitcoin needs a weekly close above $83,000 to confirm a full bull-market signal. Bullish? Yes. Risk-free? Definitely not. The next Bitcoin move could depend on whether buyers can absorb the profit-taking without losing momentum.
BitMine Is Getting Very Close to Owning 5% of Ethereum
BitMine is getting closer to one of the biggest accumulation targets in crypto. The company just purchased another 32,447 ETH , worth roughly $81 million , bringing its total Ethereum holdings to about 5.85 million ETH . That represents approximately 4.8% of Ethereum's total supply . BitMine's target? 5%. It now needs roughly 187,000 more ETH to reach that milestone. The bigger story isn't simply how much ETH BitMine has bought. It's what happens when a single public company controls a stake equivalent to roughly one-twentieth of Ethereum's supply . BitMine is turning Ethereum accumulation into a corporate treasury strategy and it's getting very close to its target. The 5% milestone is now within reach.
Can $2.6B in Weekly ETF Inflows Sustain Bitcoin’s Rally Above $75K?
Bitcoin’s latest rally is being backed by strong institutional demand, with U.S. spot Bitcoin ETFs recording approximately $1.92 billion in net inflows between Aug. 17 and Aug. 21. When combined with Ethereum ETF inflows, the weekly figure reached roughly $2.6 billion. Bitcoin is trading around $77,096, up 21.8% over the past seven days, while Bitcoin ETF assets under management have climbed 10%. The numbers suggest that institutional demand is playing an important role in the move above $75,000. However, ETF inflows alone do not guarantee that Bitcoin will remain above that level. Strong Demand Meets Rising Leverage The rally is also accompanied by a sharp increase in market leverage. Bitcoin open interest has risen roughly 27% over the past week, while funding rates remain positive. That creates both an opportunity and a risk. Positive funding and rising open interest can reinforce an upward move when prices continue climbing. But if Bitcoin reverses, highly leveraged positions...
Bitcoin ETFs & Institutional Investment
U.S. spot Bitcoin and Ether ETFs just recorded their strongest weekly performance in months, attracting a combined $2.6 billion in inflows during the week ending Aug. 21. The surge marks a major reversal from the previous week, when the two markets experienced approximately $392 million in combined outflows . Bitcoin ETFs accounted for the majority of the latest inflows, with about $1.92 billion entering the products throughout the week. Institutional Demand Returns BlackRock’s iShares Bitcoin Trust (IBIT) was among the biggest contributors to the surge. The fund alone attracted approximately $503 million on Thursday , highlighting the strength of institutional demand during the rally. The renewed inflows come as Bitcoin and Ether both posted significant weekly gains, climbing roughly 24% and 28% , respectively. At the same time, combined ETF trading volume tripled to around $29 billion , signaling a sharp increase in investor activity. The numbers suggest that the latest ...
Bitcoin Is Pumping — But Here's What Most People Don't Realize Yet
Bitcoin is back in the spotlight. BTC has climbed above $76,000 , extending a sharp recovery that has taken the asset significantly higher over the past several days. The move has been fast enough to make many traders wonder whether a new Bitcoin bull run is beginning. But the most important part of this rally may not be the Bitcoin chart itself. What is happening underneath the surface is a combination of institutional demand, changing liquidity conditions and a massive short squeeze. And that could matter more than the headline price. Bitcoin's rally is bigger than crypto Bitcoin's latest move began accelerating after the U.S. Treasury announced that it would increase its purchases of longer-term government debt. The Treasury plans to raise long-term bond buybacks from roughly $2 billion to at least $4 billion per operation . The announcement helped push long-term Treasury yields lower and contributed to a broader rebound across risk assets. Bitcoin responded almost immediate...
XRP Is Starting to Look Like a Stablecoin That Keeps Depegging
XRP isn't a stablecoin. It doesn't promise to stay at $1. It isn't backed one-for-one by dollars. And nobody should treat it like one. But look at the way investors sometimes talk about XRP's price, and an unusual comparison starts to emerge. It can feel like watching a stablecoin repeatedly lose its peg. Not because XRP has a peg. But because the market keeps establishing a price level that investors begin treating as an anchor—only for that anchor to disappear when the market moves sharply. Imagine XRP Had a Peg Imagine XRP were supposed to remain at $2. It falls to $1.90. People ask: "Why did it depeg?" It falls to $1.50. Now the question becomes: "Is something fundamentally wrong?" It recovers to $1.80. Optimism returns. Then it falls to $1.20. Suddenly, $1.50 no longer feels like the anchor. That's essentially the psychological game investors can experience with a volatile asset like XRP. The difference is that there wa...
What's Strangling Bitcoin in 2026?
Bitcoin isn't dead. It isn't disappearing. And the underlying network hasn't suddenly stopped working. Yet something is clearly holding Bitcoin back. The asset that once dominated the crypto narrative is now struggling to regain momentum, trading around the low-$60,000s after reaching more than $126,000 in late 2025. So what is strangling BTC? It may not be one thing. It may be a competition for capital, attention and narrative. The First Problem: The Marginal Buyer Is Missing Bitcoin doesn't need everyone to sell for the price to struggle. It needs enough new money to keep arriving. And that is where the market has become complicated. U.S. spot Bitcoin ETFs have experienced periods of significant outflows in 2026. A mid-year report from 21Shares estimated roughly $3 billion of net outflows from U.S. spot Bitcoin ETFs year-to-date through May , even though ETF holdings measured in BTC remained near their highs. More recently, Bitcoin continued struggling...
Neutrl Pauses NUSD Redemptions. The Bigger Problem Is What We Don't Know.
A synthetic dollar is supposed to give you something close to a dollar. But what happens when you can't redeem it? Neutrl has paused NUSD minting and redemptions after an issue involving its reserves. The protocol has not yet publicly disclosed the full nature of the issue or the potential size of any reserve impairment. And that uncertainty may be more important than the pause itself. What Is NUSD? NUSD is a synthetic dollar created by Neutrl. The idea is relatively simple: Users deposit assets into the protocol. Neutrl uses those assets in strategies designed to generate yield while maintaining a market-neutral position. The resulting NUSD is designed to maintain a value around $1 while the underlying strategies generate returns. Neutrl has previously described its system as using a combination of liquid reserves, stablecoins and other positions to support the product and manage redemptions. ( neutrl.finance ) That means the ability to redeem isn't just a technic...
Bitcoin Made a Huge Mistake in 2026
Bitcoin has spent years building one of the strongest identities in crypto: digital money. Simple. Scarce. Permissionless. But in 2026, Bitcoin is facing a debate that could shape what the network becomes next. And the strange part is that the debate isn't really about Bitcoin's price. It's about what Bitcoin's block space should be allowed to do. The Fight Over Bitcoin's Block Space A proposal called BIP-110 would temporarily restrict certain forms of non-financial data from being stored in Bitcoin transactions. The proposal specifically targets techniques associated with things like Ordinals, BRC-20 and Runes . The argument from supporters is straightforward: Bitcoin's blockchain should prioritize being money. Large amounts of arbitrary data can increase the burden on people running full nodes and move Bitcoin further away from its monetary purpose. But critics see the situation differently. They argue that if someone creates a valid transaction,...