Today's Cryptocurrency Prices by Market Caps
The global cryptocurrency market cap today i $2.54T
Market Cap
$2.54T
24h Trading Volume
$118.52B
BTC Dominance
56.85%
|
#
|
Name
|
Price
|
1h %
|
24h %
|
7d %
|
Market Cap
|
Volume (24h)
|
Chart (7d) |
|---|---|---|---|---|---|---|---|---|
|
|
—
|
|||||||
|
No cryptocurrencies found Try adjusting your search query |
||||||||
Latest Crypto News
View All News
FDIC Proposes GENIUS Act Rules for Bank-Backed Stablecoins: Capital, Custody, No Interest Claims
The FDIC moved closer on Tuesday to setting federal rules for stablecoin issuers, unveiling a detailed proposal under last year’s GENIUS Act that largely mirrors the Office of the Comptroller of the Currency’s (OCC) approach. What the FDIC proposed - The agency released a lengthy notice — including 144 questions — and opened a 60-day public comment period. The input will feed into drafting a final rule, a process that is likely to take months. - As the regulator of U.S. depository institutions, the FDIC’s remit under GENIUS is to regulate banks that issue stablecoins through subsidiaries. Its draft sets out capital, liquidity and custody standards for those issuers and would require an “operational backstop” in addition to capital, sized against the prior year’s operating expenses. - Consistent with expectations, the FDIC clarified that stablecoins would not receive the deposit insurance that protects traditional bank accounts. At the same time, it said tokenized deposits that meet the statutory definition of “deposit” would be treated the same as other deposits for pass-through insurance purposes. Tight language on yield and rewards - Echoing the OCC’s February proposal, the FDIC warned issuers they cannot represent that a payment stablecoin pays interest or yield “simply for holding or using” it — including via third-party arrangements such as exchange-managed programs. That provision initially alarmed some crypto-policy experts, but many in the industry believe properly structured rewards programs can be crafted to comply with the rules. Where this fits in the rulemaking timeline - This is the FDIC’s second GENIUS Act proposal, following a December notice about issuer application processes. The agency said the specifics won’t be finalized until it reviews public comments and completes further drafting. - Other federal agencies involved in implementing GENIUS include the OCC, the Treasury Department and market regulators; the White House’s current staffing choices mean Republican appointees dominate these agencies, reducing internal dissent on regulatory text. Potential changes from Congress - The rules being written by regulators could still shift because of pending legislation. Lawmakers have been hashing out the Senate’s Digital Asset Market Clarity Act, which could alter aspects of how yield-bearing stablecoin arrangements are treated. That showdown — sparked by industry disagreement over yield-bearing stablecoin holdings — has been a months-long debate lawmakers say they’re close to resolving. Congress reconvenes later this week. Bottom line The FDIC’s proposal narrows in on the core supervision and safety mechanisms it believes are necessary for bank-backed stablecoins: capital cushions, liquidity and custody controls, and limits on how issuers market returns. But with public comment, parallel agency rulemaking and potential legislative tweaks still ahead, the final regulatory landscape for U.S. stablecoins remains a work in progress. Read more AI-generated news on: undefined/news
Solana's "Don't waste time with crypto" billboard touts x402 for AI-driven micro-payments
“Don’t waste time with crypto.” That blunt message is now shining from a Solana Foundation billboard in San Francisco — and it’s deliberately provocative. On the surface it reads like anti-crypto advice. In reality, the Foundation says it’s a forward-looking marketing pivot: a statement about where crypto fits in the next internet, not an indictment of the technology. The billboard points visitors to the x402 account on X, a hint at a growing push inside the Solana ecosystem to recast blockchain as invisible infrastructure — the plumbing that powers transactions behind the scenes rather than a product users must wrestle with. At the heart of this thesis is the rise of “agentic” AI: autonomous systems that initiate and complete tasks, including economic activity. Solana’s message is simple — don’t waste your time manually making payments. Let AI agents handle them. That’s where x402 comes in. Described by the Foundation as a new payments model built for the internet, x402 allows apps, websites and AI tools to automatically charge tiny amounts without logins, subscriptions or human intervention. Practically, that means an AI assistant could request data from a service, instantly pay a microfee, and deliver the result to a user in one seamless interaction. These so-called “agentic payments” often amount to fractions of a cent — transactions traditional payment rails struggle to support because of latency and high fees. Solana is betting that its high throughput and low costs make it an ideal settlement layer for this emerging, machine-driven economy. The billboard’s dry slogan captures that shift: success looks like a world where users never have to consciously think about crypto. “Crypto and Solana are well on their way to being the default way AI pays,” a Solana Foundation spokesperson said, adding that agents will favor networks where “performance wins.” If Solana’s bet pays off, the industry could move further away from consumer-facing wallets and tokens toward seamless, embedded payment rails that enable AI systems to transact microeconomies in real time. For observers, the campaign is both a marketing gambit and a statement of intent: Solana wants to be the invisible backbone of the agentic internet. Read more AI-generated news on: undefined/news
DeFi’s Yield Promise Busted: On-Chain Returns Now Often Below Broker Cash Rates
DeFi’s headline pitch — outsized yields for taking new kinds of onchain risk — is starting to look like a busted promise. What once attracted crypto natives chasing double- and triple-digit returns has largely evaporated: lending and staking rates on major protocols are now comparable to, or below, what mainstream brokerages pay on idle cash. Where the yields went Take Aave, the largest lending protocol by total value locked. In 2026 Aave’s USDC deposit APY sits at about 2.61% — beneath the 3.14% Interactive Brokers is currently paying on idle cash, a platform popular with crypto users. That gap undermines a core DeFi narrative: higher reward for higher risk. Today, depositors are often accepting greater operational and smart-contract risk for little or no premium. This isn’t an isolated figure. DeFi-wide indicators tell the same story: - The CoinDesk Overnight Rate, which tracked borrowing costs across onchain lending, spiked above 35% in the 2023 run-up and has collapsed to roughly 3.5% today. - Aave’s largest USDT pool yields about 1.84%; many stablecoin pools sit below 2%. - Data from vaults.fyi shows Aave’s two biggest stablecoin pools (USDT and USDC on Ethereum) yield just over 2% on a combined $8.5 billion. - Lido’s stETH returns about 2.53%; Ethena’s staked USDe is around 3.47%. Some pockets still outpace traditional offerings. Sky’s USDS Savings pays roughly 3.75% and has attracted about $6.5 billion, but roughly 70% of Sky’s revenue comes from offchain sources (Treasury products, institutional credit lines, Coinbase rewards) — a compromise for users who moved onchain to avoid those exposures. Aave also lists select non-flagship options with higher rates — sGHO at 5.13%, USDG at 5.9% and others — but these are niche and don’t change the headline comparison. Why yields compressed Several forces have driven yields down: 1) Market dynamics: As Paul Frambot, co-founder of lending infrastructure Morpho, explains, “Undifferentiated lending converges toward risk-free rates.” When many lenders offer the same collateral and parameters, returns compress toward a low equilibrium. 2) Falling incentive programs: Some once-explosive returns — like Ethena’s sUSDe product that peaked above 40% in 2024 — were heavily driven by native-token incentives and complex hedging strategies. Those incentives faded, and Ethena’s TVL dropped from about $11 billion to $3.6 billion while APY compressed to ~3.5%. 3) Weak borrowing demand: Protocols say depressed crypto sentiment and muted leverage demand have lowered organic yields. Aave argues the weakness is cyclical, noting that its weighted-average stablecoin deposit yield over the past year still outperformed Interactive Brokers’ top offering for depositors who entered before 2025. 4) Security and operational risks: The threat landscape has shifted. Hacks and exploits remain common and costly, and attackers are increasingly targeting operational failures, stolen keys, and social engineering rather than raw smart-contract bugs. High-profile examples include: - Resolv: An attacker deposited 100,000 USDC into a minting contract and received 50 million USR (about 500x the intended amount) due to missing oracle checks and mint limits. Resolv now shows roughly $113 million in assets against $173 million in liabilities and USR trading near $0.13. - Industry scale: Hackers stole $2.47 billion in the first half of 2025 alone, exceeding all of 2024, with wallet compromises accounting for about $1.7 billion, per CertiK. Investor sentiment and confidence have been dented further by incidents like Balancer Labs’ shutdown after a $110 million exploit and the tumbling valuations of governance tokens. As one trader put it bluntly on X: “DeFi: earn 1% below T-bills and lose all your money one time per year.” Where differentiation still exists Not all DeFi lending is a commodity. Morpho’s curator-vault model, where specialized teams manage bespoke lending pools with custom risk parameters, can produce higher yields. Morpho (with over $10 billion in deposits) lists curated vaults such as Steakhouse Prime USDC and Gauntlet USDC Prime yielding about 3.64%, and Sentora’s PYUSD vault at 6.48%. The key difference is active risk curation and strategy differentiation rather than one-size-fits-all pools. Borrowing use case remains relevant For traders and margin users, DeFi can still be attractive: Aave claims borrower rates around 3.2% versus brokerages charging up to 6.14%, and collateral on Aave continues to earn yield, lowering effective borrowing costs. Regulatory overhang A looming regulatory threat could further narrow DeFi’s yield story. The Digital Asset Market Clarity Act — the most consequential pending federal crypto legislation — reportedly includes a provision that would ban passive stablecoin yield earned simply for holding a dollar-pegged token. Rewards tied to activity (payments or transfers) might still be allowed, but the distinction is unclear. Industry observers warn this could push yield back toward regulated, on‑ramps and central institutions if passed. What this means for investors The current environment forces a reassessment of the core trade-off that drove DeFi adoption: higher, sustained returns in exchange for novel risks. With base yields near or below traditional alternatives, elevated security and operational risk, and potential regulatory constraints, the arithmetic that once made DeFi an obvious place to park capital looks a lot less compelling. Some argue this cleansing cycle will leave a leaner, more resilient DeFi stack; others see it as a sector trapped between compressed returns, ongoing exploits and a policy squeeze. For now, yield hunters and risk managers alike are recalibrating expectations — and reallocating capital accordingly. Read more AI-generated news on: undefined/news
FBI: Crypto Scams Cost Americans $11.4B in 2025 — 22% Rise, Organized Gangs & AI Behind Fraud
Americans reported $11.4 billion in losses to cryptocurrency scams in 2025 — a 22% increase from 2024, the FBI said Tuesday, underscoring the rapidly growing scale and sophistication of digital-asset fraud. “Cryptocurrency investment scams are sophisticated long-term scams using psychological manipulation, the appearance of legitimacy, and exploitation of cryptocurrencies to deceive victims into investing large sums of money,” the bureau wrote. The FBI added that many of these schemes are run by organized criminal groups based in Southeast Asia that use victims of human trafficking as forced labor to operate their scam networks. The U.S. figures sit alongside global estimates showing even bigger damage: crypto analytics firm Chainalysis reported in January that up to $17 billion in cryptocurrency was lost worldwide to scams and fraud in 2025. Its Crypto Crime Report found that impersonation schemes, fake crypto-exchange impostors and AI-generated scams against individuals were increasingly eclipsing traditional cyber-attacks as the main ways criminals steal digital assets. The human toll is stark. The FBI recorded 181,565 cryptocurrency-related complaints in 2025, a 21% rise year-over-year. Average losses per case were $62,604, and nearly 18,600 complainants each lost more than $100,000 — losses large enough to wipe out savings and retirement funds for many victims. Crypto fraud is also at the center of a broader surge in online crime: Americans filed more than 1 million cybercrime complaints in 2025, with total losses exceeding $20.8 billion, the FBI said. Fraud and scams accounted for the overwhelming share of those losses, highlighting a rapidly evolving threat landscape that combines technological tools like AI with well-established social-engineering tactics. The numbers make clear that criminals are shifting to more convincing, high-value tactics that target individuals and investors. For market participants and policymakers, the data underline the urgency of better defenses, improved public education and international cooperation to disrupt cross-border scam networks. Read more AI-generated news on: undefined/news
XRP Below $1.35 as Whale Inflows to Binance Hit Multi-Year Lows — Technicals Still Weak
XRP is showing signs of stress below $1.35 as selling pressure and uncertainty linger — but a quieter, important shift among large holders could change the supply picture under the surface. CryptoQuant’s whale-tracking data for Binance reveals a marked behavioral change: daily whale inflows to the exchange have fallen to about 12.6 million XRP, and the 30-day cumulative inflow has dropped to roughly 1.44 billion XRP — one of its lowest readings since early 2026. By contrast, the March peak saw the 30-day cumulative flow near 2.6 billion XRP, meaning the primary distribution metric has been cut by nearly half. Why that matters: whale inflows to exchanges are the market’s main avenue for large-scale selling — sending coins to venues where they can be immediately liquidated. When those inflows collapse to multi-year lows, the pipeline of potential distribution narrows. In plain terms, the heaviest sellers appear to be keeping coins off exchanges, reducing one of the most persistent structural forces that has weighed on XRP’s price. That doesn’t guarantee a rebound, but it removes a key bearish argument. Technically, XRP’s price story remains troubled. On the weekly chart it’s trading around $1.30 and the market has shifted from expansion to correction after being rejected in the $3.00–$3.50 area. That rejection set a decisive lower high and broke the prior bullish sequence. Since then, XRP lost the 50-week moving average and is now testing the 100-week moving average for support; the 200-week moving average sits near $1.00 as the next major structural level if current support fails. Price action has been sharp and decisive: the breakdown from above $2.00 occurred with strong downward momentum and only weak, short-lived recoveries. Volume patterns reinforce the picture — selling rallies show higher participation, while recoveries attract declining interest. That asymmetry is typical of distribution phases rather than accumulation. Key levels to watch - Immediate support zone: $1.25–$1.30 — a sustained break below here would likely accelerate downside toward the 200-week average near $1.00. - Near-term upside: reclaiming $1.80 would help stabilize the structure. - Trend reversal: a convincing move back above $2.20 would be required to argue a true trend shift. Bottom line: the heaviest sellers have stepped back from exchanges, which reduces a major structural headwind for XRP. However, price action and volume still point to a market in correction, and until demand returns decisively, volatility and downside risk remain elevated. Read more AI-generated news on: undefined/news
SEC’s Crypto "Safe Harbor" Sent to White House, Paving Way for Rulemaking
The SEC’s long‑awaited crypto “safe harbor” proposal has officially reached the White House for review — a key step in shifting crypto oversight from enforcement-by-case to formal rulemaking. What happened - SEC Chair Paul Atkins confirmed at the “Digital Assets and Emerging Tech Policy Summit” (hosted by Vanderbilt University and the Blockchain Association) that the safe‑harbor package he unveiled last month has been sent to the Office of Information and Regulatory Affairs (OIRA) inside the White House Office of Management and Budget for vetting. - OIRA review is a required prelude to public release and formal rulemaking. What’s in the package - A token taxonomy that groups digital assets into categories — digital commodities, collectibles, tools, stablecoins, and digital securities — and says most tokens won’t be treated as securities unless certain fundraising structures create an investment‑contract. - A token “safe harbor”: a multi‑year grace period that lets projects build and progressively decentralize before full securities compliance applies, provided they meet disclosure and anti‑fraud obligations. - A forthcoming “reg crypto” rule under the Securities Act of 1933 aimed squarely at token fundraising and exemptions. - An “innovation exemption” under the Securities Exchange Act of 1934 to cover certain DeFi uses — a move that has support in crypto circles but raises concerns in parts of traditional finance about investor protection and market surveillance. - A proposed fundraising exemption that would allow token issuers to raise up to a defined cap (roughly $75 million) in any 12‑month period without losing access to other exemptions — intended to clarify when token sales are securities and when they are not, reducing reliance on ad hoc fits with Regulation D and Regulation S. Why it matters - This is the first time the SEC has packaged a safe harbor, a bespoke “reg crypto,” and an innovation exemption into a coherent regulatory approach rather than relying primarily on enforcement actions. - If the rules land as proposed, markets could see a medium‑term tailwind for on‑chain liquidity, token issuance, and “U.S.‑friendly” listings — but alongside stricter disclosure requirements and a firmer, clearer regulatory treatment for actual digital securities. - The rulemaking process will outlast any single SEC chair unless Congress intervenes; it’s also intended to bridge the gap while lawmakers work on broader market‑structure bills like the CLARITY Act. Other context - Atkins noted the SEC and CFTC’s recent joint guidance that many crypto assets are not securities — a line that dovetails with this regulatory push. - He’s inviting industry feedback on the proposals, emphasizing that initial drafts will be open to comment. - Atkins also urged the crypto community to participate in upcoming elections, arguing that political outcomes will shape the future of crypto regulation. Next steps - OIRA review precedes public release and a formal comment period. Industry groups, exchanges, and issuers can expect an official notice and the chance to weigh in once the proposals are published. Bottom line: The safe harbor and accompanying “reg crypto” and innovation exemptions mark a turning point — moving crypto oversight toward a rules‑based regime that aims to balance room for innovation with clearer investor protections. Read more AI-generated news on: undefined/news