FIT21

According to Cointelegraph: The US House of Representatives has voted in favor of the Financial Innovation and Technology for the 21st Century Act (FIT21), aimed at clarifying the rules of securities and commodities regulators in overseeing cryptocurrencies. The next step for the bill is a potentially challenging path through the US Senate, where it has neither a companion bill nor a set timeline for action.

The FIT21 bill, which saw 71 Democrats and 208 Republicans vote in favor, could face robust opposition in the Senate, considering the presence of prominent crypto critics like Senator Elizabeth Warren. Post the Senate Review, if approved, the bill would proceed to President Biden's desk. The President on May 22 expressed his administration's disapproval of the bill, though it didn't specify his vetoing intention.

While Coinbase CEO, Brian Armstrong, celebrated this development as a "total victory", crypto-focused lawyer Gabriel Shapiro countered by arguing that the FIT21 could still grant the SEC "considerable power". The bill, if passed, will primarily place the control of cryptocurrencies under the Commodity Futures Trading Commission (CFTC), viewed as a more lax regulator than the SEC.

In a notable pivot, the Federal Reserve announced at its October 29, 2025 meeting that its programme of quantitative tightening (QT) will formally end on December 1. Going forward, the central bank will reinvest the full principal from maturing Treasury securities rather than allowing them to roll off.
Here, we take a positive view of this move—arguing that it marks a welcome stabilisation in liquidity conditions, a boost for credit dynamics, and a prudent shift toward supporting the economy.
Why this is a constructive shift
Easing liquidity stress
The Fed’s balance sheet reduction during QT drained sizeable reserves from the banking system and pushed short-term funding markets into strain. The Economic Times+3Financial Times+3Reuters+3 By stopping the runoff, the Fed signals it is prioritising smooth functioning of money markets and avoiding the risk of a funding crunch.Improved credit and lending backdrop
With QT ending, banks are likely to have greater reserve cushions and less pressure in wholesale funding markets. This should improve the prospects for bank lending, credit availability and thus support investment and growth.Signal of policy transition rather than sudden easing
Importantly, this move doesn’t constitute an outright shift into full-blown quantitative easing (QE) or a “money-printing” spree; rather, it is a transition to balance-sheet maintenance (reinvesting rather than contracting). vanirassets.com+1 That gives the Fed flexibility to respond to changing conditions without triggering market alarm.Reduce tail-risks of financial instability
By ending QT when reserves were approaching thinner levels, the Fed lowers the risk of unintended disruptions in the repo and inter-bank funding markets (which in prior episodes have caused significant volatility).
What to watch, and why optimism should be tempered
While ending QT is positive, the Fed emphasised that future decisions remain data-dependent and that a rate cut in December is not guaranteed.
The economy still faces inflation above target, labour-market wobbliness, and global uncertainty. The shift is supportive, but not a guarantee of easier conditions.
Markets may have anticipated a pivot; the “positive surprise” element is limited, so relative gains may be modest.
#BinanceHODLerMMT #TrumpCrypto #FIT21 #bitcoin #cryptouniverseofficial
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The emergence of coins like Fartcoin and World Liberty Financial reflects the integration of artificial intelligence with blockchain.
- Projects that use artificial intelligence to improve portfolio management, predict the market, and even write smart contracts.
- It is a moment of "encoded awareness", where humans are no longer the sole decision-makers, but algorithms participate in shaping destiny.
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