Crypto World
Latest White House talks on stablecoin yield make ‘progress’ with banks, no deal yet
More progress was made but no compromise deal has yet emerged after a meeting hosted by the White House on Thursday to bring crypto insiders and bankers to the table again on U.S. digital assets legislation, according to crypto insiders who attended.
“Today’s constructive meeting at the White House reflects the importance of focused working engagement,” said Ji Kim, the CEO of the Crypto Council for Innovation, who has been a regular participant in the talks. “The conversation built upon previous meetings to establish a framework that serves American consumers while reinforcing U.S. competitiveness,” he said, adding that there will be “more to come” to continue the progress.
“The dialogue was constructive and the tone cooperative,” Paul Grewal, the chief legal officer at Coinbase, wrote in a post on social media site X, saying the sides made “more progress.”
This was the third in a series of meetings meant to pierce the impasse that’s locked up the crypto market structure bill on a point that has nothing to do with market structure. The U.S. banking industry put its foot down about the way the previous legislative effort that’s now law — the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act — allowed crypto firms to offer rewards on stablecoins. Bankers argue that such rewards threaten the deposits business at the core of their industry, and they’ve demanded the Digital Asset Market Clarity Act rehash that point in the GENIUS Act.
After the most recent meeting in which the bankers arrived with a principles document that shut out talk of compromise, Thursday’s gathering extended well beyond the two-hour schedule, said people briefed on the talks. White House officials applied pressure on the participants to stay until they’d found common ground, including collecting their phones, the people said.
The question of whether stablecoins should be able to offer yield, such as in the products offered to customers on platforms like Coinbase, is among the major remaining sticking points of the legislation that would govern the U.S. crypto markets. An earlier compromise effort sought to give up rewards on static stablecoin holdings and only retain them on certain activities and transactions made with the assets. But banks had held the line on a demand that all rewards be banned.
If the industries come to terms on this point, it still doesn’t lock in a congressional victory. The Senate Banking Committee needs to hold a hearing to consider advancing the legislation, just as the Senate Agriculture Committee did when it voted along partisan lines to approve its own version. But to get a bill that can pass the Senate, the process will need many Democrats on board, and that hasn’t yet happened.
Democratic negotiators have insisted on a few major points, such as prohibiting senior government officials from significant business interests in crypto — a concern directed squarely at President Donald Trump. They’ve also called for the White House to fill the commissions at the Commodity Futures Trading Commission and the Securities and Exchange Commission, including nominating to fill the Democratic vacancies. Also, the members have demanded tighter controls on illicit finance risks, especially in decentralized finance (DeFi).
None of their requests have yet been met with offers from the Republicans and White House that have so far satisfied Democrats.
The Clarity Act is the top policy priority for the crypto industry. Once U.S. regulations are permanently set, the sector expects to see a surge in activity and investment as it becomes an indelible part of the U.S. financial system.
Read More: Banking trade groups responsible for impasse on market structure bill, Brian Armstrong says
UPDATE (February 19, 2026, 19:17 UTC): Adds comment from CCI’s Ji Kim.
Crypto World
SEC Chair Paul Atkins Says Regulators Should Not Panic Over Falling Crypto Prices
Rather than reacting to market drops, Paul Atkins signaled regulators are prioritizing crypto frameworks over price stabilization efforts.
U.S. Securities and Exchange Commission (SEC) Chair Paul Atkins has said that regulators should not panic over falling crypto prices, pushing back against calls for emergency intervention as Bitcoin (BTC) slipped toward $66,000.
The remarks signal the SEC’s intent to focus on structural rulemaking rather than market volatility, offering a roadmap for tokenized securities while dismissing short-term price action as irrelevant to the agency’s mission.
Regulators Address Market Downturn With Policy Agenda
Speaking at ETHDenver on February 18 with Commissioner Hester Peirce, Atkins acknowledged the market’s recent slide but rejected the idea that the SEC should respond to price swings.
“It is not the regulator’s job to worry about the daily swings of the markets,” Atkins said. “People whose only focus is on the number always going up are likely to be disappointed.”
The comments come as crypto markets face sustained pressure, with Bitcoin trading near $66,000 at the time of writing, and analysts watching the $60,000 support level as a potential next test. Meanwhile, Ripple’s XRP dropped nearly 5% to $1.40, and Ethereum (ETH) fell back below $2,000. Some market watchers have warned of further downside, with Bloomberg Intelligence strategist Mike McGlone reiterating a bearish $10,000 Bitcoin forecast just days before Atkins’s speech.
But rather than address price action, the SEC Chair used the appearance to outline a series of regulatory initiatives under “Project Crypto,” a joint effort with the Commodity Futures Trading Commission (CFTC).
The agenda includes developing frameworks for crypto asset classification, crafting rules for tokenized securities trading on automated market makers, and issuing guidance on custody for non-security assets like stablecoins.
Building a Framework Beyond Market Cycles
The SEC’s approach reflects a deliberate shift away from the enforcement-heavy tactics of previous years. Atkins noted that the agency has already dropped numerous crypto cases, ended what critics called “regulation by enforcement,” and issued staff guidance on mining, staking, and meme coins.
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On her part, Commissioner Peirce framed the current downturn as an opportunity for builders. “Numbers go down is the mantra of the moment,” she said, noting that some critics are engaging in “Schadenfreude” over crypto’s struggles.
But she argued that regulatory clarity alone does not create value.
“You have to build stuff that people want and need,” Peirce said. “That is the best way to garner support on both sides of the aisle in Washington.”
Atkins emphasized that the SEC’s rulebook should not be a barrier to innovation, encouraging developers to “come in and talk to us” and announcing plans for an “innovation exemption” to allow limited trading of tokenized securities on decentralized platforms.
The exemption would be temporary and include volume limits, designed to let market participants experiment while the agency develops permanent rules.
“Put your nose to the grindstone and work to build things that matter,” Atkins told the audience. “That is how you transform Schadenfreude to Freudenfreude—the sense of happiness we feel when others succeed.”
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Crypto World
SocGen taps XRP-linked firm for expanding euro stablecoin
Societe Generale’s digital assets arm SG-FORGE has deployed its euro stablecoin, EUR CoinVertible, on the XRP Ledger, expanding beyond its existing integrations on Ethereum and Solana as competition heats up in Europe’s regulated stablecoin race.
EUR CoinVertible is issued under French digital asset rules and is backed 1 to 1 by cash deposits or high-quality securities. It has a circulating supply of roughly 65.8 million euros, per CoinGecko, making it one of the larger euro stablecoins in the market behind Circle’s EURC.
SG-FORGE said it chose the XRP Ledger for its low transaction costs and fast settlement, while Ripple’s custody infrastructure will be used to support the rollout. The stablecoin could eventually be explored as collateral for trading or integrated into Ripple’s payment-related products.
For XRPL, the listing is another institutional credibility win as the network positions itself as a compliant venue for tokenized finance. The launch lands just as XRPL validators have been voting on new upgrades such as Permissioned DEX, a feature meant to allow controlled trading environments where only approved participants can interact, a requirement for many regulated firms.
The stablecoin push also comes as blockchains compete to host tokenized deposits, bonds and settlement assets. For XRP itself, the news is more structural than price-driving, but it adds to the narrative that XRPL is trying to be more than a payments chain.
Crypto World
Peter Schiff Gives Shocking Bitcoin Price Prediction, Is It Possible?
Economist and longtime Bitcoin critic Peter Schiff warned that Bitcoin could collapse to $20,000 if the asset loses key support near $50,000.
His comments come as geopolitical tensions escalate following reports that the US military is preparing strike options against Iran.
Peter Schiff’s Anti-Bitcoin Perception is Stronger than Ever Before
Schiff argued that a drop below $50,000 now appears likely and could trigger a much deeper decline. He suggested Bitcoin may repeat historic crash patterns seen in previous cycles, even despite increased institutional adoption and broader mainstream interest.
His warning arrives as Bitcoin trades near $66,000, down sharply from its recent cycle highs.
Schiff has remained one of Bitcoin’s most consistent skeptics for over a decade. He has repeatedly described Bitcoin as a speculative bubble and argued that it lacks intrinsic value.
Throughout previous bull markets, he predicted major crashes, while continuing to promote gold as a superior store of value.
However, Bitcoin has also repeatedly recovered from severe corrections and reached new highs over time.
His latest warning comes at a fragile moment for crypto markets. Global risk sentiment has weakened amid fears of potential US military action against Iran.
Historically, Bitcoin often falls in the early phase of geopolitical shocks as investors reduce exposure to volatile assets.
On-chain data supports the view that short-term weakness remains possible. The Short-Term Holder SOPR indicator currently sits below 1, showing that recent buyers are selling at a loss.
This reflects fear and ongoing capitulation among weaker investors.
At the same time, another key metric tells a different story. Bitcoin’s short-term Sharpe ratio has dropped to extremely negative levels.
This suggests Bitcoin has already experienced unusually poor returns relative to volatility.
In past cycles, such conditions often appeared near local bottoms rather than the beginning of prolonged collapses.
This creates a mixed outlook. While geopolitical stress and weak sentiment could push Bitcoin lower in the short term, much of the speculative excess appears already flushed out.
Schiff’s prediction reflects rising uncertainty—but on-chain data suggests the market may be closer to a reset phase than the start of a full-scale collapse.
Crypto World
ETH staking hits 50% on paper, but active stake only ~31%
ETH’s reported 50.18% staking share is disputed, with CoinShares putting active staking near 30.8% due to deposit‑only contract data.
Summary
- Santiment says 50.18% of ETH supply (about 80m ETH) sits in the staking deposit contract, crossing a symbolic 50% threshold for the first time.
- CoinShares’ Luke Nolan calls the figure “inaccurate or materially misleading,” noting the contract logs deposits only and ignores withdrawals.
- Active staking is closer to 37m ETH, or roughly 30.8% of circulating supply, using Ethplorer and CryptoQuant validator data.
A dispute has emerged between blockchain analytics firms over the accuracy of Ethereum staking data, with analysts disagreeing on whether staking volume has exceeded 50% of the cryptocurrency’s total supply.
On-chain analytics company Santiment announced that Ethereum (ETH) staking volume had surpassed 50% of the total supply for the first time, according to a recent analysis. The firm reported that 50.18% of the total Ethereum supply was recorded in the staking deposit contract.
CoinShares analysts challenged Santiment’s findings, calling the figure misleading, according to CoinDesk. The analysts stated that the reported percentage does not accurately reflect the amount of active staking on the network.
Luke Nolan, a senior research fellow at CoinShares, said the data is inaccurate or significantly misleading. He explained that the Ethereum staking deposit contract only accumulates deposit records and does not process withdrawal data.
The approximately 80 million Ether reported by Santiment represents accumulated deposit records rather than the actual balance, according to Nolan. The figure does not account for withdrawals from the staking contract, he said.
CoinShares estimates the active staking volume that contributes to network security stands at approximately 37 million Ether, or 30.8% of the supply, according to the firm’s analysis.
Other analysts have also claimed the staking rate is around 30%, not 50%, according to reports.
Crypto World
White House favors some stablecoin rewards, tells banks it’s time to move
Limited stablecoin rewards are favored by the White House, and if bankers sign off, they’ll be in the next draft of the crypto market structure bill, according to two people familiar with the negotiation.
At a Thursday working session meant to secure common ground on stablecoin rewards between banks and the crypto industry, the White House made it clear that certain rewards programs were going to stay in the next draft of the crypto market structure bill, the people said. Representatives of Wall Street banks that attended the meeting actively worked on that language, and the White House will put together an updated draft to circulate among them, they said.
This section of the U.S. Senate’s Digital Asset Market Clarity Act — the crypto industry’s top policy aim in Washington — is one of the major fault lines for the legislation that would govern the operations of U.S. crypto markets. As it happens, the stablecoin section (404 of the draft bill) has nothing directly to do with market structure, and the revisions being discussed would actually overhaul an earlier crypto effort that became law last year, the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act.
This was the third White House sitdown between bankers and crypto insiders, and after the bankers dug in their heels on allowing stablecoin rewards last time, White House negotiators arrived at the table with a position that some rewards must be allowed for certain activities and transactions, but not for holdings of stablecoins that more closely resemble deposit accounts. The White House team — led by President Donald Trump’s crypto adviser, Patrick Witt — urged a quick resolution on this point that allows the legislation to move forward, the people said.
That reflects the fear expressed by bankers: that stablecoin rewards would undermine their bread-and-butter business model that depends on customers making interest-bearing deposits.
Participants at the meeting privately expressed hopes that the compromise they’ve waited for is potentially very close. Spokespeople for the White House didn’t immediately respond to a request for comment.
“Today’s meeting at the White House was a constructive step forward in resolving outstanding issues related to rewards and keeping market structure legislation on track,” Blockchain Association CEO Summer Mersinger, who has been among those at the table, said in a statement after the gathering.
If the banks decline to shake hands on limited rewards, the status quo is the GENIUS Act, which gives crypto platforms a much freer hand with rewards programs than this proposal would. If they instead give this approach a nod, their agreement would be likely to sway reluctant senators back into support.
However, this is just one of several holes in the Clarity Act that need to be filled with negotiated language. The crypto industry also remains very involved in the requests from Democratic lawmakers that the bill ramp up the protections against bad actors in crypto, especially in the decentralized finance (DeFi) space.
Also, Democratic negotiators have insisted on a couple of other points that may put them at odds with the White House. They’ve demanded a ban on senior government officials getting directly involved in the crypto industry — a position targeted most directly at President Donald Trump. They’ve also called for the White House to name a full slate of commissions at the Commodity Futures Trading Commission and the Securities and Exchange Commission, including their Democratic vacancies.
None of the Democrats’ major issues have yet been resolved. If the Senate Banking Committee moves forward with a hearing to advance the bill, as the Senate Agriculture Committee did, the outcome may again be partisan if the parties don’t find answers to those points. That won’t prevent the legislation’s advancement through the next step, but it can’t win approval from the overall Senate without significant Democratic support.
Read More: Latest White House talks on stablecoin yield make ‘progress’ with banks, no deal yet
Crypto World
XRP shorts dominate as funding drops 80% and OI falls
XRP slips below support as funding drops ~80% today on bearish leverage.
Summary
- XRP funding rate dropped nearly 80% on Thursday, signaling aggressive short bias and sustained downside positioning in derivatives markets.
- Open interest declined alongside negative funding, showing leveraged traders are de-risking as spot price trades below its short-term moving average and key Fibonacci support.
- XRP trends lower with RSI nearing oversold while crypto Fear & Greed prints “Extreme Fear” and BTC dominance climbs, pointing to rotation away from altcoins.
Daily XRP (XRP) funding rates declined nearly 80% on Thursday, February 19, according to derivatives market data, indicating continued pressure on the cryptocurrency.
Negative funding rates indicate that traders holding short positions are paying those maintaining long positions, a sign that bearish bets currently outweigh bullish exposure, according to market mechanics. The decline was accompanied by a drop in open interest, according to real-time data.
Negative funding rates suggest the market is positioned for further downside, as the metric reflects the balance between long and short traders.
Deeply negative funding can signal overcrowded positioning, according to market analysts. Historical data shows extreme short bias has sometimes preceded sharp reversals, particularly when price action stabilizes and short sellers are forced to cover positions. A prolonged negative funding environment marked a cyclical bottom for XRP in 2022 during the FTX collapse, according to historical market data.
XRP’s spot price showed a decline on the daily chart, falling below its short-term moving average and a key Fibonacci retracement level, which represents a loss of near-term support. The Relative Strength Index has fallen and is approaching oversold territory, according to technical indicators.
Market sentiment remains weak, reflected in an “Extreme Fear” reading on the Crypto Fear & Greed Index. Bitcoin dominance data suggests capital is consolidating into larger-cap assets rather than flowing into altcoins such as XRP, according to market metrics.
Technical analysts note that a recovery above the recent short-term resistance zone would signal price stabilization. Current short-term momentum favors bearish positions, as evidenced by the state of funding rates, according to derivatives market data.
Crypto World
Kraken xStocks Surpasses $25B in Tokenized Stock Volume
Kraken’s tokenized equities platform, xStocks, has surpassed $25 billion in total transaction volume less than eight months after launch, underscoring accelerating adoption as tokenization gains traction among mainstream investors.
Kraken disclosed Thursday that the $25 billion figure includes trading across centralized exchanges and decentralized exchanges, as well as minting and redemption activity. The milestone represents a 150% increase since November, when xStocks first crossed $10 billion in cumulative transaction volume.
The xStocks tokens are issued by Backed Finance, a regulated asset provider that creates 1:1 backed tokenized representations of publicly traded equities and exchange-traded funds. Kraken serves as a primary distribution and trading venue, while Backed is responsible for structuring and issuing the tokenized instruments.
When xStocks debuted in 2025, it offered more than 60 tokenized equities, including shares tied to major US technology companies like Amazon, Meta Platforms, Nvidia and Tesla.

Kraken said onchain activity has been a key growth driver since launch, with xStocks generating $3.5 billion in onchain trading volume and surpassing 80,000 unique onchain holders.
Unlike trading that occurs solely within centralized exchanges’ internal order books, onchain activity takes place directly on public blockchains, where transactions are transparent and wallets can self-custody assets.
Growing onchain participation suggests users are not only trading tokenized equities but also integrating them into broader decentralized finance (DeFi) ecosystems.
Kraken said that eight of the 11 largest tokenized equities by unique holder count are now part of the xStocks ecosystem, signaling increased market share in the emerging tokenized equities sector.
Related: Kraken launches tokenized securities trading in Europe with xStocks
Tokenized stocks mirror stablecoins’ early growth
Tokenization of real-world assets (RWAs) remains one of the fastest-growing segments of the digital asset market, even as broader crypto prices have trended lower since the start of the year.
Tokenized RWAs have increased 13.5% in total value over the last 30 days, according to industry data. By comparison, the broader crypto market shed roughly $1 trillion in market value over the same period.
Market observers say tokenized stocks may be experiencing their own “stablecoin moment,” a reference to the rapid early adoption that propelled dollar-pegged digital assets into mainstream use.
Data from Token Terminal shows tokenized stocks reached a market capitalization of $1.2 billion in December, after being virtually nonexistent six months earlier.

Related: Crypto’s 2026 investment playbook: Bitcoin, stablecoin infrastructure, tokenized assets
Crypto World
From stablecoins to CBDCs: Money is being redefined
Disclosure: The views and opinions expressed here belong solely to the author and do not represent the views and opinions of crypto.news’ editorial.
To anyone who pays genuine attention to the stablecoin market, it comes as no secret that these assets have firmly entrenched themselves among the most important building blocks of the modern digital economy. By late 2025, the total stablecoin market cap had already surpassed the point of $300 billion, which tells us a lot about how much trust people are putting in them.
Summary
- Stablecoins have crossed the threshold: With $300B+ market cap and surging card usage, they’re no longer experimental — they’re becoming core payment infrastructure.
- Banks are reacting, not leading: Nearly half of banks are integrating stablecoins, while CBDCs signal central banks are adapting to rails already built by crypto.
- Liquidity is the real backbone: Yield-enhancing DeFi protocols transform idle capital into deep, 24/7 settlement infrastructure — making programmable money scalable.
Stablecoins get used so much today because they’re fast, borderless, and increasingly reliable. They move value instantly and behave predictably in ways that traditional payments increasingly don’t. It’s not really a question anymore whether stablecoins will stick around. The real question is how they will be adopted — and who will drive that adoption.
The passage of the GENIUS Act in the U.S. was a strong signal that payment stablecoins are entering a new phase. And regulation isn’t arriving just to slow the sector down; instead, it’s stepping up to give stablecoins a defined role in the broader financial system. For the first time, we’ve seen a clear path being introduced for payment stablecoins to operate alongside TradFi systems, rather than simply existing at their edges. They are actively becoming a settlement tool that can be used in practice alongside traditional financial instruments.
Adoption is already happening — but outside traditional rails
I find it important to mention that even outside any formal and large-scale integration by major payment platforms, adoption is spreading at its own pace. There is a growing number of fintechs that are building products at the intersection of crypto, stablecoins, and payments. Companies like ether.fi, Monerium, or Holyheld are already enabling real-world stablecoin usage through their financial tools and offerings. One particularly notable case of this is the exponential growth of crypto cards, utilized for everyday spending among crypto users. A study in Q3 2025 showed that a little over 60% of surveyed users already use these cards for transactions and commonplace purchases.
Meanwhile, we also have data from big names like Visa that their issuance and spending via crypto cards saw a massive rise over the course of the previous year. From January to December 2025, the total transaction volume jumped 525%, with the net spending climbing to $91 million by year-end. All of this evidence points to the rapid adoption of crypto instruments in the mainstream, and stablecoins are the primary way to power those cards.
This usage also highlights another trend that’s becoming more prominent: the growing role of non-USD stablecoins. Assets such as EURe and the more recent ZCHF are finding real demand in payment flows, especially in Europe and Switzerland, where users value on-chain settlement without taking unnecessary dollar exposure.
Euro-denominated stablecoins are rapidly developing under Markets in Crypto-Assets Regulation, and Europe now has multiple compliant euro stablecoins with real transaction volume and fintech integration. A recent report indicates that over the past several years, the total volume of euro stablecoin transactions has grown to surpass €8 billion, showing how non-USD stablecoins are increasingly gaining traction.
The role of banks in stablecoin adoption
Naturally, this shift raises questions about where traditional banks are supposed to fit into the picture. Many people assume banks will be central to stablecoin adoption going forward. And it’s true that they are paying more attention now: this asset class has grown into something large enough that they can no longer dismiss it, and public acknowledgements of their importance are becoming more common.
A recently conducted survey showed that in 2025, 49% of banks, including some Tier-1s, are already integrating stablecoins into their operations. In Switzerland, for example, over half of banks with active crypto offerings are planning to also include stablecoin-related services.
Looking ahead, I think that a much greater shift may come when central banks start introducing stablecoin-like CBDCs. Some among them, such as the European Central Bank (ECB), are already exploring this direction: particularly wholesale CBDCs intended for interbank settlements rather than retail use.
These projects involve active collaborations between central banks in France, Germany, Italy, and other countries. And if these efforts succeed and wholesale CBDCs eventually start operating on public blockchain infrastructure — potentially even platforms like Ethereum (ETH) — the impact would be tremendous. It would be a tectonic shift in what’s happening under the hood of the global financial system and how money moves across borders.
Consumers and the rise of redeemable stablecoins
Compared to banks, though, an even greater driver of specifically stablecoin adoption, to my mind, is going to be the consumer. Throughout 2025, we saw more and more use cases for redeemable stablecoins in commonplace financial activities. Major payment networks such as Visa and Mastercard are integrating these assets into their infrastructure, providing settlement solutions and merchant acceptance that extend stablecoin utility into mainstream payments.
Redeemable stablecoins give people more options for day-to-day transactions: payments, transfers, savings, and simple on-chain interactions. All without the friction of legacy systems. From the average user’s point of view, that’s a clear improvement.
Because of this, as we move deeper into 2026, I expect consumer adoption of redeemable stablecoins to be one of the main forces behind the continued growth of this market. Broadly speaking, people adopt financial tools because they work, and stablecoins do work. If a coin is easy to use, settles instantly, and can be redeemed without too much hassle, it will likely find users.
Banks may eventually integrate these tools, but as I said, in most cases, they will be responding to behavior that already exists, not initiating it.
The role of decentralized stablecoins
Alongside consumer-facing stablecoins, fully decentralized stablecoins remain essential for on-chain finance. While these assets can be used for retail payments, that’s not what they were primarily designed for. What they do in practice is power smart contracts, automated settlement, derivatives, and decentralized lending.
They form the programmable layer that allows financial logic to execute without intermediaries. In many cases, yield-enhancing protocols depend on these decentralized assets to function reliably. In other words, if consumer stablecoins expand usage, decentralized stablecoins power the infrastructure behind that usage. Together, they create a system that is both practical and resilient.
Yield-enhancing protocols: Liquidity as infrastructure
It should be noted that none of these scales has liquidity, which is the real backbone of stablecoin adoption. And this is where yield-enhancing protocols play a critical role.
Yield-generating DeFi protocols unlock idle capital and redirect it into productive use. Instead of liquidity sitting dormant, it can be deployed into automated market makers, lending pools, and cross-chain settlement layers. This creates deeper markets, tighter spreads, and more reliable execution — all of which are essential factors for payments to happen at scale.
In cross-border contexts, this matters even more. Yield-enhancing liquidity pools reduce the cost of moving value between currencies and jurisdictions. They replace fragmented correspondent banking networks with on-chain systems that are transparent, available 24/7, and economically incentivized to remain liquid. When liquidity is deep and incentives are aligned, users don’t need to worry about whether a payment will clear or whether value will be available on the other side.
What comes next
Ultimately, stablecoins are not here to replace banks overnight, and they don’t need to do it to find success, either. They have a more fundamental role to play, and that is to introduce a faster, programmable, and globally accessible financial layer. Stablecoins are meant to do what money should do in the first place: maintain value, move instantly when needed, and earn the trust of the people using them.
On all three fronts, they are evolving quickly — and in many cases, outperforming the incumbents. The digital dollar accelerates this shift, yield-enhancing protocols make it scalable, and consumer adoption makes it real. How far this can go depends only on what we build next.
Crypto World
Why bitcoin’s rare oversold RSI crash signals a long, slow grind ahead
Bitcoin’s 14-day Relative Strength Index (RSI) dropped below 30 for only the third time in its history this month, according to checkonchain.
The RSI is a popular tool for detecting an asset’s momentum by measuring the speed and magnitude of recent price movements and comparing average gains and losses over a set period of 14 days.
The index produces a reading between 0 and 100, with levels above 100 generally considered overbought, while readings below 30 indicate oversold conditions, suggesting that selling may be overextended. Bitcoin’s 14-day RSI has not hit 100 since December 2024 when bitcoin first surpassed $100,000.
Previous readings below 30 marked prior cycle bottoms. In January 2015, bitcoin’s RSI fell to roughly 28 as price hovered near $200. The market then spent about eight months consolidating before a sustained recovery began. A similar pattern emerged in December 2018, when RSI dipped below 30 around $3,500. That period was followed by roughly three months of sideways accumulation before bitcoin broke higher.
BTC is trading around $66,000, with sentiment stuck in “fear” or “extreme fear” on the Crypto Fear & Greed Index for much of the past 30 days. Since peaking in October, bitcoin has shedded more than 50%, briefly falling toward $60,000.
History suggests the current move could lead to consolidation around the $60,000 region in the months ahead before the next leg upward.
Crypto World
83% of Altcoins Enter Bear Trend as Liquidity Crunch Tightens Grip on Crypto Market
TLDR:
- 83% of altcoins on Binance are trading below the 50-week moving average, signaling a broad bear trend.
- Bitcoin has dropped to roughly 46% of its $126,000 all-time high recorded back in October 2025.
- On February 7, a new record was set with over 92% of Binance altcoins falling below a key technical level.
- Rising altcoin token supply combined with constrained liquidity continues to suppress price recovery across markets.
Altcoins are facing mounting pressure as a liquidity crunch pushes 83% of them into a bear trend. Data from Binance shows most assets, excluding Bitcoin and stablecoins, are now trading below their 50-week moving average.
Investors still holding these positions are under considerable stress. Bitcoin has been in a downtrend since October 2025, following an all-time high of $126,000. Its price currently sits at roughly 46% of that record peak.
BTC Downtrend Weighs Heavily on Altcoin Performance
Bitcoin’s decline from its all-time high has created a difficult environment for altcoins. The broader market continues to follow BTC’s direction, which has remained uncertain in recent months.
At its current level, Bitcoin trades at approximately 46% below its record high. This has left many altcoin investors with little room to recover losses.
Macro factors are adding to the pressure felt across crypto markets. Rising geopolitical tensions between the U.S. and Iran have increased uncertainty among investors.
Meanwhile, the Federal Reserve has maintained a hawkish tone in its latest FOMC minutes. These conditions make highly volatile assets like altcoins especially difficult to hold.
According to analyst Darkfost_Coc, 83% of altcoins on Binance are now below the 50-week moving average. This level is widely considered a key threshold for identifying long-term trends.
Falling below it generally signals a corrective phase for an asset. The current reading shows how broadly the bear trend has spread.
A new record was set on February 7, when over 92% of Binance altcoins traded below this level. That marked the worst reading since the bear market ended in 2023.
It stands in stark contrast to March 2024, when only 6% of altcoins sat below this threshold. December 2024 posted a similarly low reading of just 7%.
Supply Surge and Constrained Liquidity Drive Market Imbalance
The altcoin market has also been shaped by a steady rise in token supply. More projects launching means more assets competing for the same pool of capital.
When liquidity is constrained, new supply puts further downward pressure on prices. This dynamic has made it harder for most altcoins to sustain any upward momentum.
Outside of brief recovery windows, at least 50% of altcoins have remained below the 50-week moving average. This pattern differs notably from the behavior observed in the previous market cycle.
The current cycle appears structurally different, with liquidity playing a much larger role. That shift has caught many investors off guard.
Darkfost_Coc noted that outperforming in this environment requires a clear understanding of how market dynamics have evolved.
Careful asset selection and a structured investment plan are also considered essential by analysts. Without both, navigating the current conditions becomes increasingly difficult. The market rewards preparation over speculation in periods like this.
The combination of macro headwinds, rising supply, and BTC uncertainty continues to define conditions for altcoins. Investors still holding positions face an extended and challenging road ahead.
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