Last Call: You Have Until October 31 to Lock In This US Savings Bond Rate
Posts
FEATURED
🔥 YONGITES Are Reading
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...
Ireland Just Locked Crypto Out of It's New Savings Scheme
Ireland is preparing a new tax-advantaged investment account for 2027, designed to encourage households to move more of their money from bank deposits into investments. But crypto won't be invited. The scheme will allow assets such as listed shares, bonds, ETFs and investment funds , while cryptocurrencies and derivatives are classified as highly complex and risky products and excluded. That decision is significant because Irish households currently hold around €175 billion in deposits . The government wants more of that money working in capital markets rather than sitting in cash. But there is an interesting exception Ireland isn't completely closing the door on blockchain-based assets. The rules allow an important distinction: A crypto asset can be excluded while a tokenized financial instrument can still qualify. If a token represents a traditional financial instrument that would otherwise be eligible — such as a qualifying share or bond — its tokenized form can po...
Hyperliquid Is Finally Finding a Route Into the U.S.
Hyperliquid has spent years building one of crypto's biggest derivatives markets outside the United States. Now, it may finally have a way in. Hyperliquid Labs is reportedly in advanced talks with Payward, the parent company of Kraken , to bring selected Hyperliquid perpetual futures to U.S. traders through Bitnomial , Payward's CFTC-regulated derivatives exchange. Payward has already presented the proposed structure to the CFTC, although approval is still pending. This wouldn't mean Americans suddenly get direct access to Hyperliquid. Instead, Bitnomial would provide the regulated U.S. infrastructure while connecting traders to a limited selection of markets linked to Hyperliquid. That's an important distinction. Why this matters Hyperliquid has become a major force in crypto derivatives, but its offshore structure has kept U.S. traders out. The proposed arrangement could solve that problem without requiring Hyperliquid to completely rebuild its platform aroun...
Tokenized Stock Volume Just Exploded — But Three Platforms Control Most of It
Tokenized stocks are moving beyond being a crypto experiment. Over the past 30 days, on-chain transfer volume jumped more than 415% to $29.5 billion , while monthly active addresses climbed 209% to about 1.3 million . The number of holders also reached roughly 2.36 million . But there's something more interesting beneath the headline numbers. Most of the market is still controlled by three platforms. The three giants According to RWA.xyz data, the total value of tokenized stocks distributed on-chain reached approximately $2.54 billion . Of that: Ondo: $842.8 million Kraken xStocks: $609.3 million Binance bStocks: $599.9 million Together, they represent roughly 81% of the market . That's a remarkable level of concentration for a market growing this quickly. Why is this happening? The products are becoming easier to access. Coinbase recently brought tokenized U.S. stocks to Base for eligible non-U.S. users, while Bitwise introduced automated portfolios using t...
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...
Tim Cook Leaves Apple With a $4+ Trillion Question
After 15 years at the top, Tim Cook's time as Apple's CEO is coming to an end. When Cook succeeded Steve Jobs in 2011, Apple was worth roughly $350 billion . Today, the company is worth around $4.7 trillion more than 13 times it's value when he took over. That's an extraordinary transformation. But Cook's legacy isn't simply about making Apple bigger. Cook built a different Apple Job's was known for creating products that changed consumer technology. Cook's strength was different. He turned Apple's enormous product ecosystem into an increasingly efficient global business while expanding areas such as services, wearables and Apple Silicon . Apple also returned enormous amounts of capital to shareholders through buybacks and dividends during his tenure. The result was a company that became significantly more valuable without needing to reinvent the iPhone every year. Now comes the difficult part On September 1 , John Ternus will officia...