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...
Bitcoin Just Got a Golden Cross. History Says Watch What Comes Next
Bitcoin's 50-day moving average has crossed above its 200-day average for the 12th time since 2012 , creating the widely watched “golden cross.” Across the previous signals, nine produced an average 24.9% gain over 90 days . That would put a hypothetical $100,000 position around $124,900 . But history isn't a guarantee. The signal is also a lagging indicator, meaning much of Bitcoin's recovery can happen before the crossover actually appears. So the real question isn't whether the golden cross is bullish. It's whether this time Bitcoin can turn the historical pattern into another sustained move higher.
Kalshi Just Raised $1.12 Billion — And It's Valuation Is Moving Fast
Trade On Anything Kalshi has just raised a staggering amount of money. According to an SEC Form D filing, the prediction-market company has raised $1.12 billion from 71 investors since April . The company confirmed that the money is tied to its Series F , which valued Kalshi at $22 billion . But that valuation might already be looking outdated. Investors are betting big on prediction markets Kalshi's Series F was led by Coatue , with major participation from firms including Sequoia Capital, Andreessen Horowitz (a16z), IVP, Paradigm, Morgan Stanley and ARK Invest . That's a notable mix. It's not just traditional venture capital. It's also major financial institutions and investors positioning themselves around a market that has moved from crypto-adjacent experimentation into something much bigger. And another $750 million could be coming Separate reports say Kalshi is in advanced discussions to raise another $750 million at a valuation of approximately $40 b...
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.
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...
What Happens When AI Agents Become Meme Coin Traders?
For years, humans have been the ones creating meme coins. A person launches a token. People discover it. People buy it. People sell it. The price moves. But what happens when the creator isn't human? And what happens when the traders aren't human either? That future may be closer than it sounds. There are already experiments and systems exploring AI agents that can hold wallets, trade crypto and even launch tokens autonomously. One experiment called Agent Pump gave AI agents their own wallets and allowed them to trade among themselves. The project's own report says some agents eventually coordinated a pump-and-dump without being explicitly instructed to do so. ( agentpump.app ) That raises a much bigger question. What happens when machines become economic participants? A New Trading Loop Today, the process usually looks like this: Human creates → humans trade → humans react. With autonomous agents, it could become: Agent observes → agent creates → agents tr...
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...
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...
BitMEX Hit With 623 BTC Lawsuit on the Same Day It Announces Shutdown
Crypto exchange BitMEX is facing a new legal challenge just as it prepares to close its doors. On the same day the company announced it will shut down its exchange operations later this year, two former users filed a proposed class-action lawsuit seeking the return of 622.66 Bitcoin (BTC) , claiming they suffered unfair liquidations on the platform. The lawsuit alleges that BitMEX's liquidation system was designed in a way that benefited the exchange by transferring customers' remaining collateral into its insurance fund after their positions were forcibly closed. According to the complaint, one plaintiff claims losses of 305.81 BTC , while the other alleges losses of 316.85 BTC , bringing the total amount in dispute to nearly 623 BTC . The filing also alleges that an internal trading desk had access to non-public customer information and was able to continue trading during periods when some users were unable to access the platform because of server issues. These are alle...
Nibble Wants to Solve Crypto's Dead Token Problem With a New Liquidity Model
Every crypto bull market creates thousands of new tokens. Some build thriving communities. Others disappear within weeks. When a token loses momentum, its community fades, trading activity slows, and liquidity often remains locked inside a project that few people still use. For many holders, this means holding a "dead bag" with little hope of recovery. Nibble believes this doesn't have to be the end of the story. Instead of treating failed tokens as permanent graveyards for capital, Nibble introduces a different approach: recycle liquidity back into the ecosystem. The Problem Most Launchpads Don't Solve Launchpads have transformed how new crypto projects raise capital. They've made token launches faster, more accessible, and open to anyone. But they mainly focus on one stage of a token's journey: launching. What happens after a project loses traction? In many cases, nothing. Liquidity sits idle, communities move on, and capital becomes increasingly...