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...
Russia Just Put Crypto Behind a Three-Asset Gate
Russia is opening a regulated crypto market on September 1 . But for ordinary investors, the door isn't being opened to the entire crypto market. It's being opened to just three assets: Bitcoin, Ethereum and Tether's USDT . So why these three? The Bank of Russia created a strict eligibility filter based on market size, trading activity and trading history . A cryptocurrency must have: An average market capitalization above 5 trillion rubles Average daily trading volume above 1 trillion rubles At least five years of price history on foreign trading platforms The measurements are based on the preceding two-year period. Only BTC, ETH and USDT currently satisfy the requirements. Russia isn't choosing its favorites The interesting part is that the central bank isn't simply saying Bitcoin is trustworthy or Ethereum is important. It's effectively saying: If you're going to give ordinary investors regulated access to crypto, start with assets that...
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.
From Stock Fraud to a $24M Crypto Ponzi
Brent Kovar's crypto case wasn't his first encounter with financial fraud allegations. In 2009 , the SEC sued Kovar over an alleged $12 million pump-and-dump scheme involving SkyWay Global. According to the SEC, Kovar and his associates promoted false claims about the company's business, helping inflate its stock price and trading volume before selling 76.65 million shares for more than $12 million in profits . Fast-forward to 2026, and a federal jury has convicted Kovar over a $24 million crypto Ponzi scheme through Profit Connect. The alleged pitch had simply evolved: From hyping a stock → to promising AI-powered crypto mining. Different technology. Same old promise of easy money.
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.
Pakistan Just Gave Crypto Companies a Deadline: Get Licensed or Leave
Pakistan is no longer treating crypto regulation as a future conversation. The country's Virtual Assets Regulatory Authority (PVARA) has opened its licensing portal, giving existing crypto businesses a clear deadline: September 5, 2026 . If virtual-asset service providers that were already operating by March 5 do not submit a No-Objection Certificate (NOC) application by then, they must cease operations. From uncertainty to a rulebook Pakistan's new framework operates under the Virtual Assets Act, 2026 , establishing PVARA as the regulator responsible for licensing and supervising the country's virtual-asset industry. The framework isn't limited to crypto exchanges. It covers activities including: Exchange services Custody Broker-dealer services Advisory Lending and borrowing Derivatives Asset management Token issuance Virtual-asset transfers Mining-related services In other words, Pakistan is attempting to regulate the business infrastructure su...
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 ...
Yong Social Morning Brief
The Market Has a Lot to Prove This Week Global markets are starting the week cautiously, with investors facing a packed calendar that could determine the direction of stocks, bonds and crypto. 🤖 Nvidia takes center stage Nvidia reports earnings on Wednesday , giving investors their next major test of whether the AI boom is still strong enough to justify massive technology valuations. A strong outlook could reignite tech stocks. A disappointment could trigger another wave of selling. 🏦 All eyes on the Fed The Jackson Hole symposium begins Thursday, with Fed Chair Kevin Warsh scheduled to speak Friday. Investors will be looking for clues about interest rates and inflation — especially while long-term Treasury yields remain elevated. 🛢️ Oil remains a wildcard Brent crude is around $93 a barrel after slipping at the start of the week. Lower oil would ease inflation concerns, but geopolitical risks could quickly push prices higher again. ₿ Bitcoin is holding strong ...
The SEC Just Changed the Crypto Game — And Most Traders Haven’t Realized It Yet
Bitcoin's price is getting most of the attention in crypto right now. But something potentially much bigger happened this week in Washington. On August 18, the U.S. Securities and Exchange Commission (SEC) proposed a new framework called “Regulation Crypto Assets” that could fundamentally change how some crypto projects raise money, launch tokens and eventually transition their tokens away from being treated as investment contracts. And the timing is particularly interesting. Because Congress is simultaneously trying to pass the CLARITY Act , which would create a broader statutory framework for digital assets. In other words, America's crypto rulebook is being rewritten from two directions at once. A potential new fundraising route for crypto projects One of the most significant parts of the SEC proposal is what it could mean for token issuers. The proposed framework creates two exemptions from traditional Securities Act registration requirements for qualifying cryp...
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...
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...
The Global Payment Network May Not Look Like What You Think
For decades, moving money across borders has meant moving through a chain of institutions. A payment can pass through banks, correspondent banks, payment processors and currency-conversion systems before reaching the person on the other side. That system works. But it can also be slow, expensive and difficult to access. Now a different model is being tested. Money is moving on blockchains. And Stellar is one of the networks trying to build the infrastructure behind it. The Interesting Part Isn't Just XLM When people hear Stellar , they often think about XLM , the network's native asset. But the bigger story is the network itself. Stellar can transfer different assets, including stablecoins such as USDC. Its payment infrastructure is designed for 24/7 settlement and supports remittances, payroll, supplier payments and treasury operations. That changes the way we should look at XLM. The future of global payments doesn't necessarily require everyone to use XLM as t...
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,...
The Dollar Is Winning Crypto’s Biggest Battle
Crypto was supposed to challenge traditional finance. Bitcoin introduced a form of digital money that doesn't depend on a central bank. DeFi promised financial services that could operate without traditional intermediaries. Yet one of the biggest winners inside crypto is something very familiar: the U.S. dollar. Not paper dollars. Not money sitting in a traditional bank account. Digital dollars living on blockchains. Today, the total stablecoin market is around $310 billion . USDT alone represents roughly 59% of the market, while USDC sits at more than $73 billion. The interesting question is no longer whether dollars belong in crypto. It's which digital dollar becomes part of the financial infrastructure of the future. Why Does DeFi Need Dollars? Bitcoin and Ethereum are valuable assets, but their prices move. That makes them less convenient as a unit of account. Imagine borrowing $10,000 worth of an asset today and discovering that its dollar value has fallen 30...
Everyone Wants the Next 100x Coin. Almost Nobody Asks the Right Question.
Every crypto cycle creates the same conversation. "What's the next 100x coin?" It's one of the most searched questions in the industry. And it's probably the wrong one. The problem isn't wanting exceptional returns. The problem is believing returns come before value. The Market Doesn't Reward Hype Forever A new token launches. The community grows. Prices rise. Social media fills with screenshots of overnight gains. For a while, it looks like everyone who bought early made the right decision. Then reality arrives. Many of those projects slowly disappear, not because people stopped talking about them, but because they never solved a meaningful problem. Hype can attract attention. Only value keeps it. A Better Question to Ask Instead of asking, "Can this coin do 100x?" Try asking, "Why does this project deserve to exist?" If you can't explain the problem a project is solving in a few simple sentences, it's wor...
Most Investors Think Dollar-Cost Averaging Is About Buying the Dip. They're Missing the Point.
Every investor dreams of buying at the perfect price. The problem is that the perfect price is usually obvious only after it's gone. So people wait. They wait for the next crash. The next correction. The next "better entry." Sometimes that opportunity comes. Many times, it doesn't. That's where Dollar-Cost Averaging (DCA) changes the conversation. Not because it guarantees the best returns, but because it removes the need to predict the future. The Market Doesn't Reward Perfect Predictions One of the biggest mistakes investors make is believing they need to time the market. They wait for prices to fall. When prices do fall, fear takes over. Suddenly, the investment no longer feels attractive. Instead of buying, they wait for prices to fall even further. Then the market recovers without them. Trying to invest only at the perfect moment often leads to investing at no moment at all. DCA Turns Discipline Into a Strategy Dollar-Cost Averaging is...
Every Great Market Starts With One Question. Panta Lets Anyone Ask It.
Every financial market begins with a question. Will a company's stock rise? Will inflation fall? Will Bitcoin reach a new all-time high? Prediction markets take that same idea and turn it into something anyone can participate in. People trade on what they believe will happen, and as more participants join, prices begin reflecting collective expectations. The challenge has always been deciding which questions deserve a market. Panta takes a different approach. Instead of asking permission, anyone can create a market. A Market Can Be About Almost Anything Panta is built on Solana and allows users to create what it calls PantaMarkets . A market starts with a simple, publicly verifiable YES or NO question. It could be about cryptocurrency, sports, technology, business, politics or any real-world event that can be clearly resolved. Rather than waiting for a platform to approve an idea, creators can launch markets themselves and let the community decide whether they're w...
The Coldcard Exploit Shows There Is No Such Thing as a Perfect Crypto Wallet
For years, hardware wallets have been promoted as one of the safest ways to store cryptocurrency. The idea is simple: keep your private keys offline, away from hackers, and your assets remain secure. The latest exploit involving the Bitcoin hardware wallet Coldcard is challenging that belief. Security researchers say attackers exploited a vulnerability affecting Coldcard wallets, with blockchain analysis now estimating that roughly $70 million worth of Bitcoin was stolen from more than 1,100 wallets . The incident has become one of the biggest hardware wallet security events in recent years, raising fresh questions about how investors should think about self-custody. A Reminder That No System Is Perfect The exploit doesn't mean hardware wallets are unsafe. It does, however, show that no storage method is completely immune to risk. Hardware wallets are designed to protect users from online attacks, malware and exchange failures. But like any piece of technology, they stil...
Why Prediction Markets Aren't Truly Permissionless—And How Melee Wants to Change That
Prediction markets have long been described as one of the most powerful ways to measure public opinion. Instead of answering surveys, participants put money behind their beliefs. Will Bitcoin finish the month above $150,000? Will GTA 6 launch this year? Will a political candidate win an election? In theory, prediction markets can exist for almost anything. In practice, they don't. That's because most prediction market infrastructure was never designed for a world where anyone could create a market. Melee believes that needs to change. The Hidden Problem With Prediction Markets Most prediction markets today rely on a Central Limit Order Book (CLOB) . Just like a traditional stock exchange, buyers and sellers place orders, and the market matches them. The system works well for popular events with plenty of traders. The problem begins when nobody is there to provide liquidity. Without active buyers, sellers and professional market makers, many prediction markets st...