Kamis, 22 Januari 2026

White House Crypto Czar: “banks and crypto will merge”


Plus, XRP's onchain metrics now resemble the setup that came before a 68% slide in 2022.	͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏	View in browser

January 21, 2026

Your Daily Digest of the 🔥Hottest News in Crypto

Today's top stories

👉 Banks and crypto will merge

👀 Iran used USDt to prop up the rial

😞 XRP's chart echoes a painful 68% drawdown

📰 Keep reading for all of today's biggest headlines

Sacks Says Banks and Crypto Are Headed for One Industry

White House crypto czar David Sacks told CNBC that banks and crypto firms are on a collision course that ends in one merged "digital asset industry." Speaking from Davos, he said the stalled CLARITY Act is the missing piece that would finally set ground rules for stablecoins, tokenization and market structure. The political fight now centers on one issue: whether stablecoin issuers should be allowed to pay yield and how close that looks to banking. Until Congress resolves that tension, both sides are stuck building around a framework that does not fully exist yet.

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"If You Want to Be Great, Make Enemies": Max Resnick

Solana's lead economist explains why he left Ethereum, why governance breaks, and why conflict is often a feature.

Max Resnick has seen messy governance up close. He interned in the first Trump White House during Covid, where basic tasks took weeks and policy often bent reality to fit the story of the day. That experience shaped his view of power and incentives long before he became a public critic of Ethereum's roadmap. After campaigning to overhaul Ethereum's plans, he left for Solana and now serves as lead economist at Anza, the team behind the Agave client. Resnick says he rejects ideology and prefers hard data and first principles, even when that stance makes him unpopular.

In his view, if nobody is angry, real trade-offs are not being made.

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Iran Used USDt to Prop Up the Rial

Elliptic reports that Iran's central bank has acquired more than 500 million dollars worth of Tether's USDt as protests rise and crypto usage grows inside the country. The data suggests that stablecoins were used to support the rial, which has been under heavy pressure against the US dollar. On paper, USDt offers the regime a way to move dollar-linked liquidity without relying on traditional channels that are subject to sanctions and surveillance. For Iranians watching their savings erode, the same tool can look like an escape route.

Bitcoin cashback is changing how loyalty works

seQura is rethinking loyalty by turning rewards into real ownership. With its Smart Shopping app, shoppers can manage purchases across thousands of merchants and earn Bitcoin cashback with a growing network of 500+ brands.

No points, no expiration – just flexible payments, full purchase control and rewards that actually belong to the user.

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XRP Flashes the Same Signal That Preceded a 68% Crash

XRP's onchain structure is flashing a bearish pattern that looks uncomfortably familiar. Glassnode says current behavior closely matches February 2022, just before a long stretch of weakness that eventually led to a 68% price drop.

Why Trade Finance Is Blockchain's Biggest Real-World Prize

Trade finance is where blockchain's promise meets one of the world's most stubborn bottlenecks. The sector moves an estimated 9.7 trillion dollars in goods and services each year, but still runs on paper, manual checks and limited access for small suppliers. The result is a wide financing gap for small and medium businesses and a system that leaves a lot of working capital trapped. Tokenized receivables and onchain trade assets offer a path to unlock that capital and route it to global investors in a more transparent way.