Crypto & Web3
No hype and no price calls. How crypto works and what the news means for you.
Ripple and Arf Team Up to Offer RLUSD Settlement Loans on the XRP Ledger
Swiss lender Arf will fund short term settlement loans for licensed payment companies in Ripple's RLUSD stablecoin on the XRP Ledger, with native onchain lending planned next.
All stories
SpaceX Tesla merger talks could put 30,221 bitcoin on one balance sheet
Musk confirmed SpaceX and Tesla are exploring a merger. A deal would combine about 30,221 BTC worth roughly $2.5 billion, though no terms have been agreed.
Ngrave hack: fake LIQUID app alerts trick users into giving up $2.56 million in crypto
Attackers hijacked the push notification service behind NGRAVE's LIQUID app and sent a fake security alert that phished recovery phrases, draining about $2.56 million from roughly 70 wallets.
OCC Finalizes GENIUS Act Rules for Stablecoins Ahead of January 2027 Start
The OCC published its final GENIUS Act rule on October 21, setting federal standards for stablecoin reserves, redemption and custody that take effect January 18, 2027.
JPMorgan brings JPM Coin to Ethereum, opening its dollar deposit token to a public chain
JPMorgan is expanding JPM Coin (JPMD), its token for dollar deposits, from Base to Ethereum for institutional clients. Here is how it works and what it means.
South Korea Weighs Another Crypto Tax Delay as Exchanges Meet Officials
A ruling party bill could push South Korea's 22% crypto income tax from January 2027 to 2029, and officials meet the five biggest exchanges on October 20.
Schwab Crypto Opens to All Eligible Clients: What Bitcoin and Ether Buyers Should Know
Charles Schwab has opened Schwab Crypto to all eligible clients, with Bitcoin and Ether trading now and three more coins planned before the end of 2026. Here are the fees, limits and risks.
Turkey confirms Richard Heart arrest, says police seized $7.15 million and six cold wallets
Turkey's justice minister confirmed that Hex and PulseChain founder Richard Heart is in custody in Istanbul. Police say they seized $7.15 million in cash, six cold wallets, luxury goods and firearms.
Russia will ban direct P2P crypto trades from July 2027 and push buyers to licensed platforms
Russia's central bank says person to person crypto trades end on July 1, 2027. After that, Russians must buy and sell through approved intermediaries like Sberbank, with a yearly purchase cap.
Deutsche Bank Crypto Custody Is Weeks Away, Starting With Bitcoin and Ether
Deutsche Bank says its crypto custody service for institutions will go live in Germany within weeks, covering bitcoin, ether and three regulated stablecoins.
MSCI finalizes index rules that could push Strategy and Metaplanet out of global benchmarks
MSCI adopted new eligibility rules for non-operating companies on October 15, putting bitcoin treasury firms like Strategy at risk of removal in the November review.
EU names USDC its first significant e-money token, putting Circle under EBA oversight
The European Banking Authority has classified Circle's USDC as the first significant e-money token under MiCA, moving supervision of its reserves and liquidity to the EU level from November 12.
Crypto Liquidations Near $1 Billion as Hot CPI Sends Bitcoin Toward $81,000
A hotter than expected September inflation report lifted Fed rate hike odds, sparking nearly $1 billion in crypto liquidations as bitcoin slipped to about $81,000 and ether fell more than 6%.
Ledger pauses wallet sales in 7 Asian countries and Germany, bans store displays after implant thefts
Ledger has suspended reseller sales across Southeast Asia and retail sales in Germany after tampered wallets leaked recovery phrases. Here are the new store rules and what owners should do now.
Coinbase, holder of 5% of all bitcoin, says the quantum fix should start now
Coinbase published a seven point plan for protecting Bitcoin against future quantum computers. Here is what it proposes and what it means for holders.
Solana sets Oct. 21 for Alpenglow, its biggest consensus overhaul, targeting 150ms finality
Solana will replace its TowerBFT voting system with Alpenglow on Oct. 21. Here is what changes for validators, stakers and everyday SOL holders.
Binance is shutting down Binance Pool and Cloud Mining on Nov. 10. Here is what miners must do
Binance will close its mining pool, Cloud Mining, Pool Savings and related services on November 10, 2026, giving miners four weeks to move their hashrate and settle balances.
Morgan Stanley pushes tokenized stock trading to early 2027 as it waits on DTCC
Morgan Stanley now expects to support tokenized equities on its trading system in the first quarter of 2027, later than its earlier 2026 target. Its digital asset chief says the bank needs real products and clearer rules first.
DOJ reviews whether Binance broke its $4.3 billion 2023 settlement
The Justice Department confirmed it is reviewing whether Binance has kept the terms of its 2023 guilty plea deal, as Iran linked cases put the exchange back under scrutiny.
Global watchdog warns stablecoin risks cross borders as G20 finance leaders meet
The Financial Stability Board says global stablecoins could spread a run across countries and markets, and that cross border cooperation is still in its infancy.
Ex Celsius CEO Alex Mashinsky accepts lifetime crypto ban in New York settlement worth up to $35M
Former Celsius CEO Alex Mashinsky is permanently barred from crypto, securities and commodities in New York, and could owe the state up to $35 million if he skips forfeiture or prison time.
Robinhood Chain Transactions Fall 42% as Trading Cools Ahead of Fee Deadline
Daily transactions on Robinhood Chain dropped 42% from mid September, yet deposits held near $1 billion. The real test comes when fee subsidies end December 31.
XRP Ledger bug could have created billions of XRP from nothing before a quiet patch
A decade old overflow flaw in the XRP Ledger payment engine could have minted XRP past its 100 billion cap. RippleX patched it in September and says it was never exploited.
Ledger CryptoBilis hack drains up to $93 million from Southeast Asian hardware wallets
Ledger owners who bought from reseller CryptoBilis lost as much as $93 million on Oct. 9. Here is what happened, how it may have worked and what to do now.
Bitcoin Falls to $80,000 as the Flash Crash Anniversary Nears
Bitcoin hit a one month low just above $80,000, a year after its record high. Oil, the Fed and ETF outflows are weighing on prices as analysts map out a Q4 range.
Ethereum researcher urges crypto bunker mode, warning AI may crack wallet keys before quantum
Justin Drake wants bitcoin and ether holders to hide their public keys in case AI breaks wallet cryptography, while Vitalik Buterin warns against rushed moves.
OKX adds Circle, Ripple and Standard Chartered as investors at $25 billion valuation
OKX extended its March funding round with Circle, Ripple, SC Ventures and QRT at a $25 billion valuation, as its joint venture with ICE seeks SEC approval for tokenized stocks.
Samsung Wallet Adds USDC Transfers for 82 Million US Galaxy Phones This Month
Samsung will let eligible US Galaxy users hold and send USDC from Samsung Wallet starting the last week of October, with transfers to bank accounts in more than 60 countries.
Wells Fargo in talks with Kraken parent Payward over crypto trading liquidity
Wells Fargo is negotiating with Kraken parent Payward to supply liquidity for crypto trading, CoinDesk reports. Nothing is final, but it signals a deeper bank push into crypto.
Bitcoin ETFs explained: how they work and how they differ from owning bitcoin
Spot bitcoin ETFs let you get bitcoin price exposure through a regular brokerage account. Here is what they hold, what they cost and the tradeoffs.
What is a blockchain? A plain English guide to how it works
A blockchain is a shared record kept by thousands of computers instead of one company. Here is how it works step by step, and where it actually makes sense.
Crypto taxes explained: what the IRS expects from you
The IRS treats crypto as property, so selling, swapping or spending it can create a taxable gain. Here is what counts, which forms apply and what records to keep.
Ethereum explained: what it is, how it works and what to watch out for
Ethereum is a blockchain that runs programs, and ether is the coin that pays for them. Here is how the network works in plain English, and where the risks are.
Treasury drops proposed crypto mixer and unhosted wallet reporting rules
FinCEN withdrew a 2023 plan targeting crypto mixing and a 2020 plan for self custody wallets, citing a possible chilling effect on legitimate activity.
Regulators race to finish stablecoin rules under the GENIUS Act
The OCC wants final rules by November, and Treasury is taking comments until Oct. 19. Here is what the law requires and when it starts to bite.
What is Bitcoin, really? A plain English guide
Bitcoin is digital money that no bank or government controls. Here is how it works, why its supply is limited and what risks come with owning it.
How crypto wallets work, and which kind you actually need
A crypto wallet does not store coins. It stores the keys that prove they are yours. Here is the difference between hot, cold and exchange wallets.
Stablecoins in plain English: what they are and how they stay at $1
Stablecoins are crypto tokens designed to hold a steady value. Here is what backs them, why people use them and where the risks are.
How to spot a crypto scam before it costs you
Most crypto scams follow the same few scripts. Learn the warning signs, the most common schemes and what to do if you have already sent money.
Basics
- Ripple and Arf Team Up to Offer RLUSD Settlement Loans on the XRP LedgerNews · 6 min read
- SpaceX Tesla merger talks could put 30,221 bitcoin on one balance sheetNews · 6 min read
- Schwab Crypto Opens to All Eligible Clients: What Bitcoin and Ether Buyers Should KnowNews · 6 min read
- Crypto Liquidations Near $1 Billion as Hot CPI Sends Bitcoin Toward $81,000News · 7 min read
- Solana sets Oct. 21 for Alpenglow, its biggest consensus overhaul, targeting 150ms finalityNews · 6 min read
- Binance is shutting down Binance Pool and Cloud Mining on Nov. 10. Here is what miners must doNews · 5 min read
- Robinhood Chain Transactions Fall 42% as Trading Cools Ahead of Fee DeadlineAnalysis · 6 min read
- Bitcoin Falls to $80,000 as the Flash Crash Anniversary NearsAnalysis · 8 min read
- Samsung Wallet Adds USDC Transfers for 82 Million US Galaxy Phones This MonthNews · 6 min read
- What is a blockchain? A plain English guide to how it worksGuide · 6 min read
- Ethereum explained: what it is, how it works and what to watch out forGuide · 7 min read
- What is Bitcoin, really? A plain English guideGuide · 6 min read
- How crypto wallets work, and which kind you actually needGuide · 6 min read
- Stablecoins in plain English: what they are and how they stay at $1Guide · 6 min read
Regulation
- OCC Finalizes GENIUS Act Rules for Stablecoins Ahead of January 2027 StartNews · 6 min read
- JPMorgan brings JPM Coin to Ethereum, opening its dollar deposit token to a public chainNews · 6 min read
- South Korea Weighs Another Crypto Tax Delay as Exchanges Meet OfficialsNews · 7 min read
- Turkey confirms Richard Heart arrest, says police seized $7.15 million and six cold walletsNews · 6 min read
- Russia will ban direct P2P crypto trades from July 2027 and push buyers to licensed platformsNews · 6 min read
- Deutsche Bank Crypto Custody Is Weeks Away, Starting With Bitcoin and EtherNews · 7 min read
- MSCI finalizes index rules that could push Strategy and Metaplanet out of global benchmarksNews · 6 min read
- EU names USDC its first significant e-money token, putting Circle under EBA oversightNews · 7 min read
- Morgan Stanley pushes tokenized stock trading to early 2027 as it waits on DTCCNews · 6 min read
- DOJ reviews whether Binance broke its $4.3 billion 2023 settlementNews · 5 min read
- Global watchdog warns stablecoin risks cross borders as G20 finance leaders meetNews · 6 min read
- Ex Celsius CEO Alex Mashinsky accepts lifetime crypto ban in New York settlement worth up to $35MNews · 7 min read
- OKX adds Circle, Ripple and Standard Chartered as investors at $25 billion valuationNews · 6 min read
- Wells Fargo in talks with Kraken parent Payward over crypto trading liquidityNews · 6 min read
- Bitcoin ETFs explained: how they work and how they differ from owning bitcoinGuide · 5 min read
- Crypto taxes explained: what the IRS expects from youGuide · 7 min read
- Treasury drops proposed crypto mixer and unhosted wallet reporting rulesNews · 5 min read
- Regulators race to finish stablecoin rules under the GENIUS ActNews · 6 min read
Security
- Ngrave hack: fake LIQUID app alerts trick users into giving up $2.56 million in cryptoNews · 7 min read
- Ledger pauses wallet sales in 7 Asian countries and Germany, bans store displays after implant theftsNews · 6 min read
- Coinbase, holder of 5% of all bitcoin, says the quantum fix should start nowAnalysis · 6 min read
- XRP Ledger bug could have created billions of XRP from nothing before a quiet patchNews · 7 min read
- Ledger CryptoBilis hack drains up to $93 million from Southeast Asian hardware walletsNews · 7 min read
- Ethereum researcher urges crypto bunker mode, warning AI may crack wallet keys before quantumNews · 6 min read
- How to spot a crypto scam before it costs youGuide · 6 min read
Crypto basics
What is a blockchain?
A blockchain is a shared record of transactions kept by many computers at once. New entries are added in blocks and linked to earlier ones, which makes past records very hard to change without everyone noticing.
What is a recovery phrase?
A recovery phrase is a list of 12 or 24 words that can restore a crypto wallet. Anyone who has it can take your funds, so keep it offline and never share it, even with someone who claims to be support.
Is crypto legal in the United States?
Yes, owning and trading crypto is legal in the US. It is regulated in different ways by agencies such as the SEC, CFTC and Treasury, and gains are generally taxable. Rules continue to change, so check current guidance.
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