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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 ...
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...
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...
Upcoming IPOs Are Back. Here’s What Investors Should Beware Of
The IPO market is getting busy again, with major private companies across AI, fintech, technology, space and consumer businesses moving closer to public markets. Names such as OpenAI, Anthropic, SpaceX, Oura and Strava have appeared in the 2026 IPO pipeline, although the status and timing of individual listings can change. Some companies have filed, while others remain confidential filers or are simply being discussed as potential candidates. That creates an opportunity for investors to gain access to companies that were previously available mainly through private markets. But an IPO can also make it easier to buy into a company before the market has fully figured out what it is worth. The IPO price is not automatically a bargain One of the biggest mistakes investors can make is assuming that getting shares at the IPO price means getting in early at a cheap valuation. The IPO price is determined through the offering process and reflects what the company and its underwriters...
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...
Tokenization Just Crossed the Line Into the Future of Finance
What if the next big change in your investment portfolio has nothing to do with which stock or crypto you buy but with how those assets move? For years, tokenization sounded like another crypto buzzword. Now, some of the biggest names in finance are starting to build around it. Tokenization means taking a real-world asset such as a stock, bond, Treasury or fund and creating a digital version of it on a blockchain. The idea is simple: make financial assets easier to move, trade and use. And if the technology works at scale, it could change how investors interact with financial markets. Wall Street is starting to move One of the biggest signs came from DTCC , a major piece of America's financial infrastructure. In 2026, DTCC processed real production trades involving tokenized securities, with more than 30 firms participating. The transactions included U.S. Treasuries, equities, repo and securities lending. DTCC plans to launch its tokenization service in October 2026. T...
21 Banks Just Joined Forces to Build Their Own Stablecoin
The stablecoin race is no longer just a crypto-company story. On September 1, 21 major financial institutions announced plans to create a joint company that will issue stablecoins for payments and settlement. The group includes names such as Bank of America, Citi, Goldman Sachs and Deutsche Bank , alongside other major institutions. But the story actually started much smaller. From 10 banks to 21 The consortium began taking shape in October 2025 , when 10 financial institutions were reportedly exploring the creation of a jointly owned stablecoin company. Over the following year, the group expanded as banks became increasingly interested in using blockchain infrastructure for payments and settlement. By September 2026, the project had grown to 21 institutions . What began as an experiment among a smaller group of banks has now become a coordinated attempt by traditional finance to build its own stablecoin infrastructure. The first product is coming in 2027 The consorti...
Japan Wants Stablecoins to Work More Like Money
Japan is making an interesting distinction between crypto you invest in and digital money you actually spend . The Financial Services Agency has asked for trust-type stablecoins to be exempt from certain mandatory tax-reporting requirements starting in fiscal 2027. Its reasoning is straightforward: these tokens can circulate between large numbers of users, are used frequently for transactions, and simply holding them does not generate income. That distinction matters. Stablecoins are being treated differently Japan's FSA increasingly sees stablecoins as payment instruments rather than investment products. If you're using a yen or dollar-backed stablecoin to pay someone, move money or settle a transaction, taxing every transfer like an investment event creates unnecessary friction. The FSA's proposed exemption is aimed precisely at that problem. But crypto assets are moving in the opposite direction. Japan's 2026 regulatory overhaul reclassified 105 specified ...
Europe Is Building Two Very Different Digital Euros
Europe could soon have two competing visions for what digital money should look like. On one side is the European Central Bank's digital euro central-bank money designed to work across the euro area, including offline. On the other is EURR , Revolut's euro-denominated stablecoin, issued by Bridge, a Stripe company, and being rolled out initially to eligible users in Denmark, Poland and Portugal. They're built differently, but they'll ultimately compete for the same thing: How people move euros digitally. The ECB is putting privacy at the centre The digital euro is being designed with a separation between identity and payment data . Users would access it through their bank or another authorised payment provider rather than holding an account directly with the ECB. For offline payments, the privacy goes even further. A user's phone or payment device can transfer digital euros directly to another device without the transaction details being sent to the ECB o...
The IMF Just Drew a Line Around Stablecoins
Stablecoins are becoming too important for global policymakers to ignore. At the Jackson Hole Economic Symposium , IMF Managing Director Kristalina Georgieva highlighted both sides of the stablecoin story: they can make payments faster and cheaper, but widespread use of dollar-backed stablecoins could accelerate currency substitution in emerging markets and make capital controls harder to enforce. The interesting part is that the IMF, BIS and ECB broadly agree on the problem. They don't agree on what should come next. The IMF wants safer stablecoins The IMF isn't arguing that stablecoins should disappear. Its approach is closer to: Regulate them properly and make them safer. That means stronger reserve requirements, internationally coordinated rules and mechanisms that ensure holders can redeem stablecoins at their promised value. The IMF has also recognized that stablecoins can improve payments, particularly cross-border transfers and remittances. But there's...