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Ripple and Circle Under Fire: U.S. Banking Association Faces Criticism for Blocking Their Licenses
The American Bankers Association (ABA) is facing sharp backlash after urging regulators to halt the issuance of banking licenses to leading crypto firms Ripple and Circle. Prominent attorney John Deaton launched a fierce response, accusing the ABA of “obstruction and sabotage” against innovation in the financial sector.
Crypto Industry Fights Back: Deaton Demands Fair Access
In a strongly worded post on X, Deaton criticized the ABA’s letter to the Office of the Comptroller of the Currency (OCC), which called for a freeze on granting trust charters to digital asset companies. His stance was echoed by well-known tech analyst Vincent Van Code, who labeled the move “anti-competitive and regressive.”
“The age of financial elites is over. A new era of decentralization is here,” Van Code stated.
“If democracy means anything in the economy, the voices of millions of crypto supporters must be heard.”
Ripple is seeking a national banking license from the OCC to deepen the integration of its stablecoin and payment services into the mainstream financial system. Similarly, Circle has applied to operate as a national trust bank, with its USDC reserves partially held by a new entity called First National Digital Currency Bank.
ABA Argues: No Fiduciary Activity, No License
According to the ABA, national trust charters should only be issued to institutions that provide fiduciary services — the traditional management of assets for others. In its letter to the OCC, the group argued that Ripple and Circle do not meet these criteria but seek the advantages of federal banking status.
The letter warned that approving such charters could set a dangerous precedent, allowing non-fiduciary crypto firms to bypass the Bank Holding Company Act and other rules that traditional banks must follow. It also voiced concerns about a wave of imitators following Ripple and Circle into the banking system without equivalent oversight.
GENIUS Act Aligns With Crypto Expansion
This dispute unfolds as the U.S. recently passed the GENIUS Act, which requires stablecoin issuers to operate under federal supervision — whether as banks, credit unions, or specially chartered nonbanks regulated by the OCC. For Ripple and Circle, obtaining such licenses would help meet compliance standards and expand their offerings.
A Clash of Worlds: Tradition vs. Innovation
The ABA is pushing for a strict return to narrow definitions of fiduciary duty and rejects the OCC’s prior, now-revoked Interpretive Letter 1179 that had allowed broader interpretations. Their position is simple: “No fiduciary duty, no trust charter.”
Critics argue that the ABA is merely trying to protect outdated financial models from being disrupted by modern, efficient technologies.
John Deaton summed it up bluntly: “By blocking Ripple and Circle, the ABA is only defending the old guard. But innovation always finds a way.”
#Ripple , #Circle , #crypto , #Regulation , #Stablecoins
Stay one step ahead – follow our profile and stay informed about everything important in the world of cryptocurrencies!
Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“
Crypto Industry Fights Back: Deaton Demands Fair Access
In a strongly worded post on X, Deaton criticized the ABA’s letter to the Office of the Comptroller of the Currency (OCC), which called for a freeze on granting trust charters to digital asset companies. His stance was echoed by well-known tech analyst Vincent Van Code, who labeled the move “anti-competitive and regressive.”
“The age of financial elites is over. A new era of decentralization is here,” Van Code stated.
“If democracy means anything in the economy, the voices of millions of crypto supporters must be heard.”
Ripple is seeking a national banking license from the OCC to deepen the integration of its stablecoin and payment services into the mainstream financial system. Similarly, Circle has applied to operate as a national trust bank, with its USDC reserves partially held by a new entity called First National Digital Currency Bank.
ABA Argues: No Fiduciary Activity, No License
According to the ABA, national trust charters should only be issued to institutions that provide fiduciary services — the traditional management of assets for others. In its letter to the OCC, the group argued that Ripple and Circle do not meet these criteria but seek the advantages of federal banking status.
The letter warned that approving such charters could set a dangerous precedent, allowing non-fiduciary crypto firms to bypass the Bank Holding Company Act and other rules that traditional banks must follow. It also voiced concerns about a wave of imitators following Ripple and Circle into the banking system without equivalent oversight.
GENIUS Act Aligns With Crypto Expansion
This dispute unfolds as the U.S. recently passed the GENIUS Act, which requires stablecoin issuers to operate under federal supervision — whether as banks, credit unions, or specially chartered nonbanks regulated by the OCC. For Ripple and Circle, obtaining such licenses would help meet compliance standards and expand their offerings.
A Clash of Worlds: Tradition vs. Innovation
The ABA is pushing for a strict return to narrow definitions of fiduciary duty and rejects the OCC’s prior, now-revoked Interpretive Letter 1179 that had allowed broader interpretations. Their position is simple: “No fiduciary duty, no trust charter.”
Critics argue that the ABA is merely trying to protect outdated financial models from being disrupted by modern, efficient technologies.
John Deaton summed it up bluntly: “By blocking Ripple and Circle, the ABA is only defending the old guard. But innovation always finds a way.”
#Ripple , #Circle , #crypto , #Regulation , #Stablecoins
Stay one step ahead – follow our profile and stay informed about everything important in the world of cryptocurrencies!
Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“
Takd:
Always put reliable according to crypto Business.your indepth search is the of faith others.
⚖ $XRP Lawyer Slams Bank Lobby for Targeting #Ripple & #Circle #XRPEFT #XRPLedger XRP Lawyer Condemns ABA Move to Block Ripple And Circle Bank Licenses John Deaton has called out the American Bankers Association for urging regulators to block Ripple and Circle from securing bank licenses.
Chalida:
Please explain.
Ripple and Circle Face Regulatory Roadblocks: U.S. Bankers Association Under Fire for License Opposi
The American Bankers Association (ABA) is facing mounting criticism after urging regulators to deny banking licenses to major crypto firms Ripple and Circle. The move has sparked outrage within the crypto community, with prominent attorney John Deaton accusing the ABA of "deliberate obstruction and sabotage" against financial innovation.
Crypto Advocates Push Back: Calls for Fair Regulatory Access
Taking to X (formerly Twitter), Deaton condemned the ABA’s letter to the Office of the Comptroller of the Currency (OCC), which urged a moratorium on granting trust charters to digital asset companies. Tech analyst Vincent Van Code joined the outcry, calling the ABA’s stance “anti-competitive and regressive.”
“The era of financial elites is ending. Decentralization is the future,” said Van Code.
“If democracy matters in finance, the millions of crypto supporters deserve a voice.”
Ripple has applied for a national banking license to enhance the adoption of its stablecoin and payment infrastructure. Circle is seeking to become a national trust bank, partially backing its USDC reserves through a newly formed entity — First National Digital Currency Bank.
ABA’s Position: Trust Charters Reserved for Fiduciaries
In its letter to the OCC, the ABA argued that national trust charters should be limited to firms that perform fiduciary duties — namely, managing assets on behalf of clients. The group claimed Ripple and Circle do not meet this standard and are instead seeking to exploit the advantages of federal banking status without equivalent regulatory obligations.
The letter warned of potential consequences, including setting a dangerous precedent that might allow non-fiduciary crypto firms to bypass the Bank Holding Company Act and other essential oversight mechanisms. The ABA also expressed concerns about a flood of similar companies attempting to enter the banking space unchecked.
GENIUS Act Could Pave the Way for Crypto Banks
The controversy emerges amid the recent passage of the GENIUS Act, which mandates that stablecoin issuers operate under federal oversight — either as banks, credit unions, or specially chartered nonbanks regulated by the OCC. For Ripple and Circle, securing these licenses could be key to compliance and expansion.
A Battle Between Legacy Finance and Emerging Tech
The ABA’s push for a strict interpretation of fiduciary requirements marks a direct rejection of the OCC’s now-revoked Interpretive Letter 1179, which once allowed broader charter eligibility. The association’s message is clear: “No fiduciary responsibility, no trust charter.”
Critics argue this is a defensive move by the traditional banking sector, aiming to shield legacy institutions from being outpaced by blockchain-driven alternatives.
John Deaton summarized the issue starkly:
“By blocking Ripple and Circle, the ABA is defending an outdated system. But innovation always finds a way.”
#Ripple #Circle #Crypto #Stablecoins #Regulation
Crypto Advocates Push Back: Calls for Fair Regulatory Access
Taking to X (formerly Twitter), Deaton condemned the ABA’s letter to the Office of the Comptroller of the Currency (OCC), which urged a moratorium on granting trust charters to digital asset companies. Tech analyst Vincent Van Code joined the outcry, calling the ABA’s stance “anti-competitive and regressive.”
“The era of financial elites is ending. Decentralization is the future,” said Van Code.
“If democracy matters in finance, the millions of crypto supporters deserve a voice.”
Ripple has applied for a national banking license to enhance the adoption of its stablecoin and payment infrastructure. Circle is seeking to become a national trust bank, partially backing its USDC reserves through a newly formed entity — First National Digital Currency Bank.
ABA’s Position: Trust Charters Reserved for Fiduciaries
In its letter to the OCC, the ABA argued that national trust charters should be limited to firms that perform fiduciary duties — namely, managing assets on behalf of clients. The group claimed Ripple and Circle do not meet this standard and are instead seeking to exploit the advantages of federal banking status without equivalent regulatory obligations.
The letter warned of potential consequences, including setting a dangerous precedent that might allow non-fiduciary crypto firms to bypass the Bank Holding Company Act and other essential oversight mechanisms. The ABA also expressed concerns about a flood of similar companies attempting to enter the banking space unchecked.
GENIUS Act Could Pave the Way for Crypto Banks
The controversy emerges amid the recent passage of the GENIUS Act, which mandates that stablecoin issuers operate under federal oversight — either as banks, credit unions, or specially chartered nonbanks regulated by the OCC. For Ripple and Circle, securing these licenses could be key to compliance and expansion.
A Battle Between Legacy Finance and Emerging Tech
The ABA’s push for a strict interpretation of fiduciary requirements marks a direct rejection of the OCC’s now-revoked Interpretive Letter 1179, which once allowed broader charter eligibility. The association’s message is clear: “No fiduciary responsibility, no trust charter.”
Critics argue this is a defensive move by the traditional banking sector, aiming to shield legacy institutions from being outpaced by blockchain-driven alternatives.
John Deaton summarized the issue starkly:
“By blocking Ripple and Circle, the ABA is defending an outdated system. But innovation always finds a way.”
#Ripple #Circle #Crypto #Stablecoins #Regulation
🔥Ripple and Circle Under Fire: U.S. Banking Association Faces Criticism for Blocking Their Licenses
The American Bankers Association (ABA) is facing sharp backlash after urging regulators to halt the issuance of banking licenses to leading crypto firms Ripple and Circle. Prominent attorney John Deaton launched a fierce response, accusing the ABA of “obstruction and sabotage” against innovation in the financial sector.
Crypto Industry Fights Back: Deaton Demands Fair Access
In a strongly worded post on X, Deaton criticized the ABA’s letter to the Office of the Comptroller of the Currency (OCC), which called for a freeze on granting trust charters to digital asset companies. His stance was echoed by well-known tech analyst Vincent Van Code, who labeled the move “anti-competitive and regressive.”
“The age of financial elites is over. A new era of decentralization is here,” Van Code stated.
“If democracy means anything in the economy, the voices of millions of crypto supporters must be heard.”
Ripple is seeking a national banking license from the OCC to deepen the integration of its stablecoin and payment services into the mainstream financial system. Similarly, Circle has applied to operate as a national trust bank, with its USDC reserves partially held by a new entity called First National Digital Currency Bank.
ABA Argues: No Fiduciary Activity, No License
According to the ABA, national trust charters should only be issued to institutions that provide fiduciary services — the traditional management of assets for others. In its letter to the OCC, the group argued that Ripple and Circle do not meet these criteria but seek the advantages of federal banking status.
The letter warned that approving such charters could set a dangerous precedent, allowing non-fiduciary crypto firms to bypass the Bank Holding Company Act and other rules that traditional banks must follow. It also voiced concerns about a wave of imitators following Ripple and Circle into the banking system without equivalent oversight.
GENIUS Act Aligns With Crypto Expansion
This dispute unfolds as the U.S. recently passed the GENIUS Act, which requires stablecoin issuers to operate under federal supervision — whether as banks, credit unions, or specially chartered nonbanks regulated by the OCC. For Ripple and Circle, obtaining such licenses would help meet compliance standards and expand their offerings.
A Clash of Worlds: Tradition vs. Innovation
The ABA is pushing for a strict return to narrow definitions of fiduciary duty and rejects the OCC’s prior, now-revoked Interpretive Letter 1179 that had allowed broader interpretations. Their position is simple: “No fiduciary duty, no trust charter.”
Critics argue that the ABA is merely trying to protect outdated financial models from being disrupted by modern, efficient technologies.
John Deaton summed it up bluntly: “By blocking Ripple and Circle, the ABA is only defending the old guard. But innovation always finds a way.”
#Ripple , #Circle , #crypto , #Regulation , #Stablecoins
Stay one step ahead – follow our profile and stay informed about everything important in the world of cryptocurrencies!
Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“
#Follow for me
$XRP
Crypto Industry Fights Back: Deaton Demands Fair Access
In a strongly worded post on X, Deaton criticized the ABA’s letter to the Office of the Comptroller of the Currency (OCC), which called for a freeze on granting trust charters to digital asset companies. His stance was echoed by well-known tech analyst Vincent Van Code, who labeled the move “anti-competitive and regressive.”
“The age of financial elites is over. A new era of decentralization is here,” Van Code stated.
“If democracy means anything in the economy, the voices of millions of crypto supporters must be heard.”
Ripple is seeking a national banking license from the OCC to deepen the integration of its stablecoin and payment services into the mainstream financial system. Similarly, Circle has applied to operate as a national trust bank, with its USDC reserves partially held by a new entity called First National Digital Currency Bank.
ABA Argues: No Fiduciary Activity, No License
According to the ABA, national trust charters should only be issued to institutions that provide fiduciary services — the traditional management of assets for others. In its letter to the OCC, the group argued that Ripple and Circle do not meet these criteria but seek the advantages of federal banking status.
The letter warned that approving such charters could set a dangerous precedent, allowing non-fiduciary crypto firms to bypass the Bank Holding Company Act and other rules that traditional banks must follow. It also voiced concerns about a wave of imitators following Ripple and Circle into the banking system without equivalent oversight.
GENIUS Act Aligns With Crypto Expansion
This dispute unfolds as the U.S. recently passed the GENIUS Act, which requires stablecoin issuers to operate under federal supervision — whether as banks, credit unions, or specially chartered nonbanks regulated by the OCC. For Ripple and Circle, obtaining such licenses would help meet compliance standards and expand their offerings.
A Clash of Worlds: Tradition vs. Innovation
The ABA is pushing for a strict return to narrow definitions of fiduciary duty and rejects the OCC’s prior, now-revoked Interpretive Letter 1179 that had allowed broader interpretations. Their position is simple: “No fiduciary duty, no trust charter.”
Critics argue that the ABA is merely trying to protect outdated financial models from being disrupted by modern, efficient technologies.
John Deaton summed it up bluntly: “By blocking Ripple and Circle, the ABA is only defending the old guard. But innovation always finds a way.”
#Ripple , #Circle , #crypto , #Regulation , #Stablecoins
Stay one step ahead – follow our profile and stay informed about everything important in the world of cryptocurrencies!
Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“
#Follow for me
$XRP
⚖️ XRP Lawyer John Deaton Slams ABA’s Attempt to Block Ripple & Circle Bank Licenses
📢 Prominent crypto attorney John Deaton has publicly condemned the American Bankers Association (ABA) for urging the U.S. Office of the Comptroller of the Currency (OCC) to deny federal bank charters to crypto firms like Ripple and Circle.
🏛 The ABA’s move underscores traditional finance's growing resistance to crypto-native companies entering the regulated banking system.
💬 Deaton didn’t hold back, stating that this push "stifles innovation and undermines regulatory clarity."
🔍 What this means:
• The battle between TradFi and DeFi continues to intensify
• The outcome could define how crypto firms scale into the regulated finance world
• Access to banking infrastructure remains a key milestone for mass adoption
#Ripple #Circle #XRP #CryptoLaw #BankLicenses
https://coingape.com/xrp-lawyer-condemns-aba-move-to-block-ripple-and-circle-bank-licenses/?utm_source=bnb&utm_medium=coingape
📢 Prominent crypto attorney John Deaton has publicly condemned the American Bankers Association (ABA) for urging the U.S. Office of the Comptroller of the Currency (OCC) to deny federal bank charters to crypto firms like Ripple and Circle.
🏛 The ABA’s move underscores traditional finance's growing resistance to crypto-native companies entering the regulated banking system.
💬 Deaton didn’t hold back, stating that this push "stifles innovation and undermines regulatory clarity."
🔍 What this means:
• The battle between TradFi and DeFi continues to intensify
• The outcome could define how crypto firms scale into the regulated finance world
• Access to banking infrastructure remains a key milestone for mass adoption
#Ripple #Circle #XRP #CryptoLaw #BankLicenses
https://coingape.com/xrp-lawyer-condemns-aba-move-to-block-ripple-and-circle-bank-licenses/?utm_source=bnb&utm_medium=coingape
Polymarket Eyes Stablecoin Launch – Will It Create Its Own or Partner With Circle?
Polymarket, the popular cryptocurrency-based prediction platform, is considering a major move: entering the stablecoin market. Two options are on the table – either launching its own custom stablecoin or striking a revenue-sharing deal with USDC issuer Circle.
The reason? To gain greater control over yield from its reserves, which currently benefit Circle.
🔹 Stable Bets, Growing USDC Demand
All transactions on Polymarket are settled in USDC on the Polygon network. This ensures a steady flow of activity and sustained demand for the token. But Polymarket wants more than just facilitating – it wants a piece of the returns USDC generates.
🔹 Launch a Coin or Share Profits?
With the recent U.S. legislation opening the door for regulated stablecoins, issuing its own token has never been more appealing. While no final decision has been made, insiders admit that launching a proprietary stablecoin may be the simpler and safer route.
“Polymarket operates within a closed ecosystem. They just need to swap USDC or USDT for their own token. No need to deal with on- and off-ramps,” said one person familiar with the matter.
🔹 Massive Growth and Expansion Plans
Polymarket is booming. In May alone, the platform recorded nearly 16 million website visits, and during the 2024 U.S. election cycle, users placed over $8 billion in bets.
The platform is also preparing a major overhaul of its reward and resolution system, using decentralized oracles. The new system, aimed for rollout by the 2028 election, promises more accurate pricing and easier user migration.
🔹 Aiming for Regulatory Approval
In a bold step, Polymarket is looking to acquire QCEX – a CFTC-licensed exchange and clearinghouse – in a $112 million deal. If successful, this would give Polymarket regulated access to the world’s largest financial market and complete its transformation from a niche betting platform to a serious DeFi player.
Polymarket now stands at a pivotal crossroads – will it remain a prediction market, or evolve into a full-fledged financial ecosystem with its own stablecoin?
#Polymarket , #Circle , #Stablecoins , #USDC , #CryptoNews
Stay one step ahead – follow our profile and stay informed about everything important in the world of cryptocurrencies!
Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“
The reason? To gain greater control over yield from its reserves, which currently benefit Circle.
🔹 Stable Bets, Growing USDC Demand
All transactions on Polymarket are settled in USDC on the Polygon network. This ensures a steady flow of activity and sustained demand for the token. But Polymarket wants more than just facilitating – it wants a piece of the returns USDC generates.
🔹 Launch a Coin or Share Profits?
With the recent U.S. legislation opening the door for regulated stablecoins, issuing its own token has never been more appealing. While no final decision has been made, insiders admit that launching a proprietary stablecoin may be the simpler and safer route.
“Polymarket operates within a closed ecosystem. They just need to swap USDC or USDT for their own token. No need to deal with on- and off-ramps,” said one person familiar with the matter.
🔹 Massive Growth and Expansion Plans
Polymarket is booming. In May alone, the platform recorded nearly 16 million website visits, and during the 2024 U.S. election cycle, users placed over $8 billion in bets.
The platform is also preparing a major overhaul of its reward and resolution system, using decentralized oracles. The new system, aimed for rollout by the 2028 election, promises more accurate pricing and easier user migration.
🔹 Aiming for Regulatory Approval
In a bold step, Polymarket is looking to acquire QCEX – a CFTC-licensed exchange and clearinghouse – in a $112 million deal. If successful, this would give Polymarket regulated access to the world’s largest financial market and complete its transformation from a niche betting platform to a serious DeFi player.
Polymarket now stands at a pivotal crossroads – will it remain a prediction market, or evolve into a full-fledged financial ecosystem with its own stablecoin?
#Polymarket , #Circle , #Stablecoins , #USDC , #CryptoNews
Stay one step ahead – follow our profile and stay informed about everything important in the world of cryptocurrencies!
Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“
BREAKING: Ripple applies for a U.S. National Bank License, a game-changer for cross-border payments, aligning with the OCC's 2025 clarification allowing crypto activities without prior approval.
With a 95% chance of an XRP ETF approval in 2025 per Bloomberg, and $XRP consolidating at $2-$2.35, the market's buzzing.
This move echoes Trump's March 2025 bitcoin reserve order, signaling a bold U.S. shift toward crypto integration.
#BitDigital
#CircleIPOCircle
#Circle
With a 95% chance of an XRP ETF approval in 2025 per Bloomberg, and $XRP consolidating at $2-$2.35, the market's buzzing.
This move echoes Trump's March 2025 bitcoin reserve order, signaling a bold U.S. shift toward crypto integration.
#BitDigital
#CircleIPOCircle
#Circle
#breakingnews #Circle
continues sending #USDC $USDC to
#Wintermute
on
#solana $SOL
every few minutes. Understand institutions like instant settlement and near free transactions too. Ethereum is slow and expensive. Institutions are moving their value on
solana
it’s just better. It’s not personal. It’s business. IMO: Circle are buying network stake in
solana
which will move the majority of their digital dollars in the consumer economy.
continues sending #USDC $USDC to
#Wintermute
on
#solana $SOL
every few minutes. Understand institutions like instant settlement and near free transactions too. Ethereum is slow and expensive. Institutions are moving their value on
solana
it’s just better. It’s not personal. It’s business. IMO: Circle are buying network stake in
solana
which will move the majority of their digital dollars in the consumer economy.
Δ
EUR/USDC
Τιμή
1,1634
Polymarket is considering the launch of its own stablecoin
#Polymarket is deciding whether to launch its own customized stablecoin or accept a revenue-sharing agreement with #Circle , tied to the amount of USDC held on the platform. The main incentive for issuing its own stablecoin is to capture the yield from the reserve assets backing the substantial volume of Circle’s USDC used for betting on the platform.
Polymarket is a decentralized prediction market platform that enables users to speculate on the outcome of real-world events using cryptocurrency.
👉 coindesk.com/uk/business/2025/07/22/crypto-prediction-market-polymarket-weighs-launching-its-own-stablecoin-source
#Polymarket is deciding whether to launch its own customized stablecoin or accept a revenue-sharing agreement with #Circle , tied to the amount of USDC held on the platform. The main incentive for issuing its own stablecoin is to capture the yield from the reserve assets backing the substantial volume of Circle’s USDC used for betting on the platform.
Polymarket is a decentralized prediction market platform that enables users to speculate on the outcome of real-world events using cryptocurrency.
👉 coindesk.com/uk/business/2025/07/22/crypto-prediction-market-polymarket-weighs-launching-its-own-stablecoin-source
【Circle：监管红利难抵高估值焦虑】
当地时间周二，美参议院银行委员会更新加密市场结构法案，延续 GENIUS 稳定币法案的监管利好。Circle（CRCL）作为 USDC 发行方本应直接受益，但市场不买账：股价收盘大跌超 8%，Compass Point 直接下调评级至 Sell，目标价仅 130 美元，直指估值过高、基本面兑现遥遥无期。
Circle 新增 AWS 前 CEO Adam Selipsky 入董事会，虽意在强化云能力与合规布局，却未能扭转外界质疑。社媒上“护城河靠监管、USDC 利差难撑百倍 PE”的讨论迅速升温，Put 看空策略成为热门话题。
期权端验证谨慎情绪：
30 天 IV 88.8%，IV Rank 仅 0.14%，处于历史低位；
OI Put/Call 0.87，Volume Put/Call 1.01，短期保护性对冲需求升温；
本周五合约“220→200”价差大单活跃，暗示资金正低成本构建下行保护带。
监管红利兑现节奏偏慢、基本面预期未改善，加之低波动环境下对冲成本走低，CRCL 正陷入“利好兑现即见顶”的估值压力中。
免责声明：内容仅供交流，不构成投资建议
#Circle
当地时间周二，美参议院银行委员会更新加密市场结构法案，延续 GENIUS 稳定币法案的监管利好。Circle（CRCL）作为 USDC 发行方本应直接受益，但市场不买账：股价收盘大跌超 8%，Compass Point 直接下调评级至 Sell，目标价仅 130 美元，直指估值过高、基本面兑现遥遥无期。
Circle 新增 AWS 前 CEO Adam Selipsky 入董事会，虽意在强化云能力与合规布局，却未能扭转外界质疑。社媒上“护城河靠监管、USDC 利差难撑百倍 PE”的讨论迅速升温，Put 看空策略成为热门话题。
期权端验证谨慎情绪：
30 天 IV 88.8%，IV Rank 仅 0.14%，处于历史低位；
OI Put/Call 0.87，Volume Put/Call 1.01，短期保护性对冲需求升温；
本周五合约“220→200”价差大单活跃，暗示资金正低成本构建下行保护带。
监管红利兑现节奏偏慢、基本面预期未改善，加之低波动环境下对冲成本走低，CRCL 正陷入“利好兑现即见顶”的估值压力中。
免责声明：内容仅供交流，不构成投资建议
#Circle
💵 What is USDC? A Stablecoin Built for Trust
USD Coin (USDC) is a fully-backed, regulated stablecoin pegged 1:1 to the U.S. dollar. That means 1 USDC = 1 USD, always. 🌐
🛡️ Why Traders Use USDC..
Backed by cash & U.S. Treasuries
Monthly audits & full transparency
Fast transfers, low fees across blockchains (Ethereum, Solana, Base & more)
🔗 Issued by Circle, USDC$XRP is trusted by institutions and widely used in DeFi, NFT trading, and global remittances.
📈 Market Cap: Over $30 billion
✅ Regulated in the U.S.
🚀 Growing adoption in Asia, Europe, and Latin America
USDC offers the stability of fiat + the power of crypto — making it a cornerstone of Web3 finance.
---
#USDC #Stablecoin #Circle #CryptoPayments #BinanceSquare
🛡️ Why Traders Use USDC..
Backed by cash & U.S. Treasuries
Monthly audits & full transparency
Fast transfers, low fees across blockchains (Ethereum, Solana, Base & more)
🔗 Issued by Circle, USDC$XRP is trusted by institutions and widely used in DeFi, NFT trading, and global remittances.
📈 Market Cap: Over $30 billion
✅ Regulated in the U.S.
🚀 Growing adoption in Asia, Europe, and Latin America
USDC offers the stability of fiat + the power of crypto — making it a cornerstone of Web3 finance.
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#USDC #Stablecoin #Circle #CryptoPayments #BinanceSquare
Макроинвестор создал криптофонд 50T на фоне прогноза роста экосистемы до $50 трлн
Дэн Тапьеро заявил о запуске криптофонда 50T на основе 10T и 1RT.Объем новой структуры составляет $500 млн.Финансовый эксперт повысил свой прогноз развития цифровых активов до $50 трлн.
Макроинвестор Дэн Тапьеро объединил свои криптовалютные инвестиционные фонды 10T Holdings (10T) и 1RoundTable Partners (1RT) в одну структуру под новым брендом 50T.
В то же время компания анонсировала запуск нового фонда роста — 50T Fund V — объемом $500 млн, ориентированного на инвестиции в блокчейн, криптовалюты и инфраструктуру Web3.
Ребрендинг сопровождается обновленным рыночным прогнозом: Тапьеро теперь ожидает, что общая стоимость цифровой экосистемы достигнет $50 трлн в течение следующего десятилетия, что в пять раз превышает его предыдущую оценку в $10 трлн, сделанную в 2020 году.
«Мы сначала назвали наш фонд 10T, потому что предполагали, что цифровая экосистема достигнет $10 трлн. Сегодня мы уже пересекли отметку в $5 трлн. Учитывая последние изменения в Вашингтоне, мы видим реальный путь к $50 триллионам в ближайшее десятилетие», — заявил Тапьеро.
Он уточнил, что эта оценка охватывает не только рынок криптовалют, но и стоимость всех публичных и частных компаний, связанных с цифровыми активами.
Напомним, что недавно рыночная капитализация крипторынка превысила $4 трлн, что поставило его в ряд с самой дорогой публичной компанией мира — #NVIDIA .
Новый фонд 50T будет десятилетним закрытым инструментом, который сосредоточится на вложениях в растущие компании сектора. Первое закрытие ожидается уже в IV квартале 2025 года.
Ребрендинг происходит после серии успешных выходов из портфельных компаний: среди них — приобретение биржи Deribit компанией Coinbase за $2,9 млрд, а также публичные листинги #Circle и #eToro .
Под объединенным брендом 50T уже управляет активами на сумму $2 млрд и сохраняет представительство в советах директоров ключевых компаний.
Стратегия фонда предусматривает активное управление, структурную защиту инвестиций и фокус на базовую инфраструктуру цифровой экономики.
$BNB
Макроинвестор Дэн Тапьеро объединил свои криптовалютные инвестиционные фонды 10T Holdings (10T) и 1RoundTable Partners (1RT) в одну структуру под новым брендом 50T.
В то же время компания анонсировала запуск нового фонда роста — 50T Fund V — объемом $500 млн, ориентированного на инвестиции в блокчейн, криптовалюты и инфраструктуру Web3.
Ребрендинг сопровождается обновленным рыночным прогнозом: Тапьеро теперь ожидает, что общая стоимость цифровой экосистемы достигнет $50 трлн в течение следующего десятилетия, что в пять раз превышает его предыдущую оценку в $10 трлн, сделанную в 2020 году.
«Мы сначала назвали наш фонд 10T, потому что предполагали, что цифровая экосистема достигнет $10 трлн. Сегодня мы уже пересекли отметку в $5 трлн. Учитывая последние изменения в Вашингтоне, мы видим реальный путь к $50 триллионам в ближайшее десятилетие», — заявил Тапьеро.
Он уточнил, что эта оценка охватывает не только рынок криптовалют, но и стоимость всех публичных и частных компаний, связанных с цифровыми активами.
Напомним, что недавно рыночная капитализация крипторынка превысила $4 трлн, что поставило его в ряд с самой дорогой публичной компанией мира — #NVIDIA .
Новый фонд 50T будет десятилетним закрытым инструментом, который сосредоточится на вложениях в растущие компании сектора. Первое закрытие ожидается уже в IV квартале 2025 года.
Ребрендинг происходит после серии успешных выходов из портфельных компаний: среди них — приобретение биржи Deribit компанией Coinbase за $2,9 млрд, а также публичные листинги #Circle и #eToro .
Под объединенным брендом 50T уже управляет активами на сумму $2 млрд и сохраняет представительство в советах директоров ключевых компаний.
Стратегия фонда предусматривает активное управление, структурную защиту инвестиций и фокус на базовую инфраструктуру цифровой экономики.
$BNB
Паоло Ардоино из Tether подтвердил более 120 инвестиций на фоне роста эмиссии USDT
#Tether снова в центре внимания — и на этот раз дело не в росте эмиссии $USDT . Генеральный директор компании Паоло Ардоино сообщил, что Tether уже вложилась более чем в 120 проектов. И это только начало.
Такое заявление говорит о масштабном развороте в стратегии компании.
Мощный ход Tether на $162 миллиарда
В недавнем посте в X Паоло Ардоино опубликовал скриншот и ссылку на сайт Tether — теперь весь список инвестпортфеля компании доступен публично. На момент написания USDT сохраняет рыночную капитализацию в $162 миллиарда, Tether остаётся крупнейшим стейблкоином на рынке. Ближайший конкурент, $USDC от #Circle , заметно отстаёт.
Компания начинала с выпуска токенов, обеспеченных долларом, на разных блокчейнах. Позже добавились стейблкоины, привязанные к евро и золоту. Теперь инвестиционное направление Tether становится не менее важным, чем её основная деятельность.
По словам Ардоино, это только начало. Он подчеркнул, что число проектов в портфеле Tether будет стремительно расти в ближайшие месяцы и годы.
Tether переключается на стратегические инвестиции
Для Tether начинается новый этап. Компания уже не просто следит за стабильностью курса USDT и удерживает лидерство среди стейблкоинов. Теперь она активно вкладывается в проекты, которые могут повлиять на будущее цифровой экономики.
Инвестиции охватывают такие сферы, как финтех, блокчейн-инфраструктура, цифровая идентичность и коммуникации. Всё это говорит о куда более амбициозной цели — формировать глобальную финансовую экосистему и задать вектор для следующей эры #Web3 .
Растущая критика в адрес эмиссии USDT
Подтверждённый выпуск 162 миллиардов USDT сразу вызвал новую волну критики. Некоторые пользователи обвинили компанию в том, что она продолжает «печатать» токены без достаточного обеспечения.
В Tether утверждают, что все токены обеспечены резервами — долларами, облигациями США и другими ликвидными активами. Компания ссылается на данные аудиторов и публичные отчёты.
Но даже с учётом этих заявлений, вопросы к прозрачности Tether и общей системе регулирования стейблкоинов пока никуда не исчезли.
Глобальная ставка Tether
Вместе с ростом капитализации компания всё активнее вкладывается в сторонние проекты. Сейчас в портфеле уже больше 120 команд — от инфраструктуры и DeFi до цифровой идентификации и коммуникаций.
По словам Паоло Ардоино, это только начало и в ближайшее время список будет расти.
При этом чем больше становится влияние Tether, тем выше внимание со стороны рынка. Особенно к тому, как компания управляет деньгами и что стоит за инвестициями.
Такое заявление говорит о масштабном развороте в стратегии компании.
Мощный ход Tether на $162 миллиарда
В недавнем посте в X Паоло Ардоино опубликовал скриншот и ссылку на сайт Tether — теперь весь список инвестпортфеля компании доступен публично. На момент написания USDT сохраняет рыночную капитализацию в $162 миллиарда, Tether остаётся крупнейшим стейблкоином на рынке. Ближайший конкурент, $USDC от #Circle , заметно отстаёт.
Компания начинала с выпуска токенов, обеспеченных долларом, на разных блокчейнах. Позже добавились стейблкоины, привязанные к евро и золоту. Теперь инвестиционное направление Tether становится не менее важным, чем её основная деятельность.
По словам Ардоино, это только начало. Он подчеркнул, что число проектов в портфеле Tether будет стремительно расти в ближайшие месяцы и годы.
Tether переключается на стратегические инвестиции
Для Tether начинается новый этап. Компания уже не просто следит за стабильностью курса USDT и удерживает лидерство среди стейблкоинов. Теперь она активно вкладывается в проекты, которые могут повлиять на будущее цифровой экономики.
Инвестиции охватывают такие сферы, как финтех, блокчейн-инфраструктура, цифровая идентичность и коммуникации. Всё это говорит о куда более амбициозной цели — формировать глобальную финансовую экосистему и задать вектор для следующей эры #Web3 .
Растущая критика в адрес эмиссии USDT
Подтверждённый выпуск 162 миллиардов USDT сразу вызвал новую волну критики. Некоторые пользователи обвинили компанию в том, что она продолжает «печатать» токены без достаточного обеспечения.
В Tether утверждают, что все токены обеспечены резервами — долларами, облигациями США и другими ликвидными активами. Компания ссылается на данные аудиторов и публичные отчёты.
Но даже с учётом этих заявлений, вопросы к прозрачности Tether и общей системе регулирования стейблкоинов пока никуда не исчезли.
Глобальная ставка Tether
Вместе с ростом капитализации компания всё активнее вкладывается в сторонние проекты. Сейчас в портфеле уже больше 120 команд — от инфраструктуры и DeFi до цифровой идентификации и коммуникаций.
По словам Паоло Ардоино, это только начало и в ближайшее время список будет расти.
При этом чем больше становится влияние Tether, тем выше внимание со стороны рынка. Особенно к тому, как компания управляет деньгами и что стоит за инвестициями.
🚨 Stablecoin Wars Heating Up in the U.S.!
🇺🇸 Tether is stepping into the U.S. ring with plans to launch a USDC rival — a U.S.-specific stablecoin aligned with the new GENIUS Act
🗣 Tether's CEO revealed not only this bold move but also the intention to make USDT fully compliant under the new regulation.
🌐 Meanwhile, Circle isn't staying silent — reaffirming its commitment to regulatory compliance and highlighting its head start in building a fully compliant ecosystem.
🔍 What does this mean for the future of stablecoins in the U.S.?
➡️ Regulatory clarity
➡️ Competitive innovation
➡️ Institutional confidence
⚖️ The battle for the most "trusted" stablecoin in America is ON. Who will win the trust of regulators and users alike?
#Stablecoins #Tether #USDC #Circle #GENIUSAct
https://coingape.com/tether-to-launch-usdc-rival-local-u-s-stablecoin-circle-responds/?utm_source=bnb&utm_medium=coingape
🇺🇸 Tether is stepping into the U.S. ring with plans to launch a USDC rival — a U.S.-specific stablecoin aligned with the new GENIUS Act
🗣 Tether's CEO revealed not only this bold move but also the intention to make USDT fully compliant under the new regulation.
🌐 Meanwhile, Circle isn't staying silent — reaffirming its commitment to regulatory compliance and highlighting its head start in building a fully compliant ecosystem.
🔍 What does this mean for the future of stablecoins in the U.S.?
➡️ Regulatory clarity
➡️ Competitive innovation
➡️ Institutional confidence
⚖️ The battle for the most "trusted" stablecoin in America is ON. Who will win the trust of regulators and users alike?
#Stablecoins #Tether #USDC #Circle #GENIUSAct
https://coingape.com/tether-to-launch-usdc-rival-local-u-s-stablecoin-circle-responds/?utm_source=bnb&utm_medium=coingape
Банки США надіслали лист в OCC з проханням зупинити видачу банківських ліцензій криптокомпаніям
Банківські групи офіційно звернулися до Управління контролера грошового обігу (OCC) США із закликом призупинити розгляд заявок криптокомпаній на отримання банківських ліцензій.
У листі, підписаному Американською банківською асоціацією, а також низкою об’єднань банків і кредитних спілок, наголошується, що надання національного банківського статусу компаніям на кшталт #Circle , #Ripple Labs та Fidelity Digital Assets може стати «суттєвим відходом від чинної політики» OCC.
Крім того, критики наголошують, що надання таких ліцензій відкриє шлях для появи нових «банків», які зможуть пропонувати послуги платежів без дотримання традиційних банківських норм, що, за їхніми словами, «становить системний ризик» для банківської системи США.
$XRP $USDT $USDC
Банківські групи офіційно звернулися до Управління контролера грошового обігу (OCC) США із закликом призупинити розгляд заявок криптокомпаній на отримання банківських ліцензій.
У листі, підписаному Американською банківською асоціацією, а також низкою об’єднань банків і кредитних спілок, наголошується, що надання національного банківського статусу компаніям на кшталт #Circle , #Ripple Labs та Fidelity Digital Assets може стати «суттєвим відходом від чинної політики» OCC.
Крім того, критики наголошують, що надання таких ліцензій відкриє шлях для появи нових «банків», які зможуть пропонувати послуги платежів без дотримання традиційних банківських норм, що, за їхніми словами, «становить системний ризик» для банківської системи США.
$XRP $USDT $USDC
Circle CEO:
“Stablecoins now let people send money as easily as a WhatsApp message.”
Big institutions agree: stablecoins are shaping up to be the future of global payments.
We’re watching the birth of a new financial era.
#USDC #stablecoin $USDC #Circle
“Stablecoins now let people send money as easily as a WhatsApp message.”
Big institutions agree: stablecoins are shaping up to be the future of global payments.
We’re watching the birth of a new financial era.
#USDC #stablecoin $USDC #Circle
🚨 Ripple & Circle Face Pushback Over National Banking Licenses
🏛 Several major U.S. banking associations are urging regulators to reconsider granting national banking licenses to crypto firms like Ripple and Circle.
🔍 Key Concerns Raised:
• Regulatory transparency gaps
• Systemic risk in extending trust charters to crypto-native firms
• Questions over whether crypto entities meet traditional banking standards
🌐 As Ripple and Circle pursue national trust charters to expand their stablecoin and crypto infrastructure operations, this resistance marks a crucial regulatory moment for the intersection of banking and blockchain.
#Ripple #Circle #CryptoRegulation #Stablecoins #Banking
https://coingape.com/ripple-circle-face-resistance-from-u-s-banking-associations-over-banking-license/?utm_source=bnb&utm_medium=coingape
🏛 Several major U.S. banking associations are urging regulators to reconsider granting national banking licenses to crypto firms like Ripple and Circle.
🔍 Key Concerns Raised:
• Regulatory transparency gaps
• Systemic risk in extending trust charters to crypto-native firms
• Questions over whether crypto entities meet traditional banking standards
🌐 As Ripple and Circle pursue national trust charters to expand their stablecoin and crypto infrastructure operations, this resistance marks a crucial regulatory moment for the intersection of banking and blockchain.
#Ripple #Circle #CryptoRegulation #Stablecoins #Banking
https://coingape.com/ripple-circle-face-resistance-from-u-s-banking-associations-over-banking-license/?utm_source=bnb&utm_medium=coingape
⚡️ INSIGHT: Circle has submitted an application to the OCC to create the first U.S. digital currency bank — aiming to specialize in USDC trust operations, reserve management, and institutional custody, instead of traditional banking services.
#Circle #USDC #DigitalBanking #CryptoRegulation #ETHBreakout3.5k
#Circle #USDC #DigitalBanking #CryptoRegulation #ETHBreakout3.5k
circle可能涨多少
circle是usdc的发行商，usdc是加密世界的第二大稳定币，第一名是 usdt，稳定币总市值为2500亿刀，usdc占比24%，大概600亿刀。
usdc的去年净利润为16亿刀，9亿刀给了coinbase，扣税后自己只有1.2亿刀。circle目前市值444亿刀。
按照现金流折现来估值那是太高了，根本不能买。那么我们要买circle只能当做成长股来看待了。
稳定币这个赛道，除了炒币，以后用到的范围肯定非常广泛，华尔街那帮人早就计算过了，到2028年大概有2万亿市值的稳定币。
那么circle的市场份额如果不变，那大概是4800亿，那也就是现在的8倍。那每年的净利润预估就是128亿左右。
那28年可预计的利润是128亿，那么现在600亿市值高吗。增长率是800%。peg就是3.18。按照成长股的逻辑来说，peg大于1 那么就是可以买入的。 比如增长到了4800亿不增长了，利润128亿，按照现在的估值来算，市值 444亿刀，那么。pe才3.64倍，所以circle才会涨的这么猛。
如果这个稳定币规模是真的，那3年8倍是可以预计的，circle估值就是3800亿左右。这是业绩带来的，如果加上估值的增幅，那么3年长10倍 不是没有可能。 假设真能实现，那么现在circle的市值在1900亿刀市值以下买入都是合理的，比放银行划算。 当然了前提是这个稳定币规模真能实现。
我这个估算是非常粗糙的估算。里面还有很多细则不得而知，还有usdc的利润 54%是要被coinbase拿走的。所以稳定币法案通过那天coinbase直接涨16%。就是这个利润coinbase可以拿多久，是不是一直可以拿 这个也不得而知。
稳定币用于支付结算真的太好用了，到账迅速，不被拦截。手续费便宜，更直接打通加密世界和现实世界的链接。
#Circle #USDC #USDT #coinbase
usdc的去年净利润为16亿刀，9亿刀给了coinbase，扣税后自己只有1.2亿刀。circle目前市值444亿刀。
按照现金流折现来估值那是太高了，根本不能买。那么我们要买circle只能当做成长股来看待了。
稳定币这个赛道，除了炒币，以后用到的范围肯定非常广泛，华尔街那帮人早就计算过了，到2028年大概有2万亿市值的稳定币。
那么circle的市场份额如果不变，那大概是4800亿，那也就是现在的8倍。那每年的净利润预估就是128亿左右。
那28年可预计的利润是128亿，那么现在600亿市值高吗。增长率是800%。peg就是3.18。按照成长股的逻辑来说，peg大于1 那么就是可以买入的。 比如增长到了4800亿不增长了，利润128亿，按照现在的估值来算，市值 444亿刀，那么。pe才3.64倍，所以circle才会涨的这么猛。
如果这个稳定币规模是真的，那3年8倍是可以预计的，circle估值就是3800亿左右。这是业绩带来的，如果加上估值的增幅，那么3年长10倍 不是没有可能。 假设真能实现，那么现在circle的市值在1900亿刀市值以下买入都是合理的，比放银行划算。 当然了前提是这个稳定币规模真能实现。
我这个估算是非常粗糙的估算。里面还有很多细则不得而知，还有usdc的利润 54%是要被coinbase拿走的。所以稳定币法案通过那天coinbase直接涨16%。就是这个利润coinbase可以拿多久，是不是一直可以拿 这个也不得而知。
稳定币用于支付结算真的太好用了，到账迅速，不被拦截。手续费便宜，更直接打通加密世界和现实世界的链接。
#Circle #USDC #USDT #coinbase
🔥 TODAY: Circle just minted 500 MILLION USDC on Solana! 🚀 That’s a massive boost, bringing the totalUSDC minted this week to 1 BILLION! 💥💰
This shows huge demand for stablecoins, especially on fast and low-fee chains like Solana 🌐⚡. More USDC means more liquidity flowing into DeFi, NFTs, and crypto markets in general — great for overall market growth 📈.
Prediction: With moreUSDC flooding the Solana ecosystem, expect increased trading volume and project launches. This could lead to higher activity and price momentum in SOL and DeFi tokens 🔄🔥.
Analysis: While stablecoin minting often signals bullish market sentiment, watch for potential inflation risks if supply grows too fast. But for now, the demand is strong and it reflects growing crypto adoption worldwide 🌍💹.
$USDC
$ETH
$SOL
#USDC #Circle #Solana #CryptoGrowth 🚀💸
This shows huge demand for stablecoins, especially on fast and low-fee chains like Solana 🌐⚡. More USDC means more liquidity flowing into DeFi, NFTs, and crypto markets in general — great for overall market growth 📈.
Prediction: With moreUSDC flooding the Solana ecosystem, expect increased trading volume and project launches. This could lead to higher activity and price momentum in SOL and DeFi tokens 🔄🔥.
Analysis: While stablecoin minting often signals bullish market sentiment, watch for potential inflation risks if supply grows too fast. But for now, the demand is strong and it reflects growing crypto adoption worldwide 🌍💹.
$USDC
$ETH
$SOL
#USDC #Circle #Solana #CryptoGrowth 🚀💸
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