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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...
How Crypto Evolved in 2026: Wallets, Stablecoins, Stocks and AI
Crypto changed in 2026, but not always in ways that made headlines. You can now use your face to access a wallet, spend stablecoins at checkout, and buy tokenized stocks that live on a blockchain. For many users, these changes do not even feel like crypto anymore. That is the interesting part. The technology is slowly moving into everyday financial products. Your Wallet Is Becoming More Like an App Crypto wallets used to feel like something built for people who already understood crypto. That is changing. Better security, simpler interfaces and biometric authentication are making wallets easier to use. Instead of remembering complicated passwords or handling every transaction manually, users can interact with their assets in ways that feel closer to normal mobile apps. The wallet is no longer just where you store crypto. It is becoming a gateway to payments, investments and digital identity. Stablecoins Are Getting Practical Stablecoins have also moved beyond being mai...
Tether’s $400M StableFund Could Change How Small Businesses Get Financing
Tether is making a bigger move into business lending. On September 9, Tether and London-based Fasanara Capital launched StableFund , a $400 million private credit fund designed to provide short-term, asset-backed financing to small businesses across more than 60 countries. The bigger goal is even more interesting. The two companies plan to raise as much as $3 billion from institutional investors . USDT will be used as the fund's settlement infrastructure, connecting Tether's stablecoin network with Fasanara's existing lending business. What Will the Money Finance? Fasanara already finances businesses through a global network of fintech lenders. The focus is mainly on invoice financing, trade receivables, working capital and other short-term loans . That means a business does not have to wait 60 or 90 days for a customer to pay an invoice. It can borrow against that receivable and get cash sooner. The same model can help businesses fund inventory, suppliers and da...
Ethena Launched a Neobank App in 48 Countries
Ethena is taking USDe beyond crypto trading. On September 1, Ethena Pay launched its beta across 48 countries , bringing savings, payments, card spending and transfers into a single self-custodial app. Every balance is denominated in USDe , Ethena's synthetic dollar. The United States and European Union aren't included in the initial rollout, with expansion dependent on local regulatory requirements. Three tiers, different rewards Ethena Pay has three membership levels: Standard, Pro and VIP . Standard is free and offers 5% APY on balances up to $5,000. Pro requires either locking $2,000 worth of ENA or referring 10 users. It raises the rate to 6% APY on balances up to $15,000. Then there's VIP. Users can qualify by locking $10,000 in ENA or referring 50 people . VIP keeps the 6% rate but increases the eligible balance to $50,000 . The card adds another incentive Ethena Pay also comes with a payment card that pays cashback in AVAX . Standard users receive 4%...
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...
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...
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.
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...
AI Agents Just Made 2 Million Payments on XRP Ledger. Almost No Money Moved.
Two million transactions sounds enormous. It sounds like an ecosystem has exploded. But there's a catch. More than 2 million transactions made by autonomous AI agents have reportedly been recorded on the XRP Ledger, yet the total value moved was only about $7,400 . That works out to roughly $0.0035 per transaction . And that tiny number may actually tell us something important about the future of crypto. Millions of Transactions, Thousands of Dollars According to data cited from XRPL-AI.org, the activity passed 2,094,121 transactions , involving about 5,112.89 XRP and 2,281.96 RLUSD . At first glance, 2 million transactions sounds like proof that AI agents are already creating a huge new economy. They're not. At least, not financially. The value is tiny. But the transaction frequency is interesting. These aren't necessarily people sending hundreds or thousands of dollars. They're machines making tiny payments for things like data, AI services and API ...
Let's Discuss Crypto
Ripple Is Winning Payments. So Why Is XRP Struggling? Ripple is expanding its footprint in global payments. XRP is struggling to stay above $1. That contradiction is becoming harder to ignore. On Tuesday, August 18, South Korea's Jeonbuk Bank announced a strategic partnership with Ripple to use Ripple Payments for business cross-border transactions. The bank becomes the first regional South Korean bank to adopt the payment service. The announcement sounds like exactly the kind of institutional adoption XRP investors have been waiting for. But there is a problem. The growth of Ripple's payments business does not automatically mean growing demand for XRP. And that distinction may be one of the most important things for XRP investors to understand. Ripple and XRP Are Not the Same Thing The market often talks about Ripple and XRP as if they are interchangeable. They aren't. Ripple is a financial technology company building infrastructure for banks, financial insti...
AI Agents Are Getting Wallets. What Happens When They Start Spending Money?
For most of human history, money has required a human. You earn it. You hold it. You decide where it goes. You approve the payment. But artificial intelligence is beginning to challenge that assumption. AI agents are being connected to wallets, stablecoins and payment infrastructure that can allow software to make transactions on behalf of people and businesses. And that raises a much bigger question than whether AI can buy something online: What happens when software becomes an economic participant? AI Doesn't Need a Wallet to Be Smart. It Needs One to Act. An AI agent can already write code, analyze markets, search for information and interact with software. But intelligence alone doesn't give an agent much economic independence. Money changes that. Give an agent access to a wallet with defined permissions and suddenly it can potentially pay for the resources it needs to complete a task. It could pay for an API call. Buy additional computing power. Purchase...
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...
The Next Financial War Is Being Fought Over the Rails
For decades, the biggest financial institutions controlled the rails. Banks moved money between banks. Payment networks connected merchants and customers. Clearing systems handled settlement. And most of it operated on infrastructure that ordinary people rarely thought about. Now something is changing. Money is becoming programmable. Stablecoins, tokenized deposits and tokenized financial assets are moving onto blockchain-based infrastructure. And the race may not be about creating the next Bitcoin. It may be about who controls the infrastructure through which money moves. The Money Is Changing The International Monetary Fund recently described tokenization as a three-layer system: Infrastructure. The rails and rules used for settlement. Assets. Stablecoins, tokenized deposits, securities, money-market funds and other financial assets. Services. Wallets, exchanges and applications that people actually use. That distinction matters. Because the future of finance...
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...