#USDT vs #USDC what should you know? And why does one have a better #APR than the other?
Both $USDT and $USDC are stablecoins designed to maintain a value equivalent to the US dollar ($1). However, there are key differences in their issuing companies, the backing of their reserves, and how the market perceives their security.
1. What should you know about USDT vs. USDC? USDT (Tether): Issuer: Tether Limited. Main advantage: It has the highest liquidity and trading volume in the global market. It's available on practically all exchanges and is the go-to for P2P trading in Venezuela and Latin America. Backing: Its reserves include a mix of cash, US Treasury bonds, loans, Bitcoin, and gold. Over the years, it has faced debates and concerns about its overall transparency.
USDC (USD Coin): Issuer: Circle. Main advantage: It's considered the most transparent and secure option for institutional storage. Its reserves are composed 100% of cash and short-term US Treasury bonds. Backing: It's audited monthly by recognized international firms (like Deloitte), aligning it much more closely with regulatory bodies in the US and Europe.
2. Why does one have a better APR than the other? Investment or exchange platforms offer yields (APR) on stablecoins by lending your assets to other users or using them in liquidity protocols. Differences in APR usually stem from two factors:
Market demand and risk: USDT tends to offer higher rates (APR) because platforms are trying to attract liquidity to it. At the same time, the market demands a bit more compensation for the implicit risk due to Tether's less transparent reserve history compared to USDC. Platform promotion policies: Major exchanges often subsidize and temporarily offer higher interest rates on USDT or USDC to boost usage, resulting in constant variations between the two coins.
ETFs $XRP raked in $35 million while funds #bitcoin and #ether took a $2 billion hit by the end of May.
From May 20 to 29, XRP funds pulled in $35 million, whereas Bitcoin and Ether ETFs lost about $2 billion combined, with Ripple's XRP treasury plan reported earlier still pending confirmation.
* The spot ETFs of $XRP listed in the U.S. attracted $11.88 million in net inflows on May 29, extending a week of gains even as Bitcoin and Ether funds faced ongoing redemptions. * The total net assets in U.S. XRP ETFs now sit around $1.12 billion, with about $35 million added since May 20, while Bitcoin and Ether ETFs lost around $2 billion combined during the same period. * The divergence in flows occurs as XRP benefits from a unique narrative regarding policies and products, including a potential demand as a treasury vehicle, although its price remains stuck in the low $1.30 range despite ETF inflows.
U.S.-listed spot ETFs $XRP reported $11.88 million in net inflows on May 29, extending a week of positive flows even as the larger Bitcoin and Ether ETF markets continued to bleed capital, according to SoSoValue data.
The spot ETFs of #bitcoin recorded net outflows of $125.31 million on May 29, marking a tenth consecutive day of redemptions. Funds from #ether lost another $17.91 million, after $121.35 million in outflows the previous day.
The Bitwise XRP ETF led the pack with $7.36 million in net inflows on May 29, followed by Canary's XRPC with $2.38 million and Franklin's XRPZ with $2.14 million. They sit close to $1.12 billion, equivalent to 1.37% of XRP's market value, while total accumulated net inflows reached $1.42 billion.
#Ethereum✅ a $15,000: Elon Musk's xAI predicts massive rally
$ETH is currently trading at $2,113. xAI just analyzed that figure and predicts we are facing the best buying opportunity of this cycle.
Elon Musk's AI model targets Ethereum with a range between $12,000 and $15,000 by the end of 2026. This would represent a growth of 8 to 10 times from current levels, based on stronger reasoning than the figure initially suggests.
xAI's bullish scenario is grounded in a set of technical advancements converging simultaneously. The Pectra upgrade is already underway, the full deployment of Danksharding is approaching, and the massive growth of Layer 2 (L2) is enabling fees of less than a cent and thousands of transactions per second (TPS) simultaneously.
xAI argues that Ethereum has spent three years building this momentum, and the market has yet to price in the impact of seeing all these improvements working together. Spot ETFs for $ETH are already attracting billions of dollars, while staking yields and restaking economies are locking up supply at an accelerated pace. Furthermore, regulatory clarity in the U.S., along with the adoption of corporate treasuries, is opening the institutional demand channel that remained closed for most of the previous cycle.
The second zone is between $4,800 and $5,000, the area of the all-time highs from August. The key support is between $2,000 and $2,100, a level that held in February and is now being tested again. Although xAI's projection is a story for the end of the year, an RSI of 34 suggests that the immediate narrative could be a significant bounce from current levels.
#bitcoin under pressure: whales sending bearish market signals
Whales of #bitcoin are ramping up selling pressure and reinforcing the bearish scenario, while $BTC struggles to defend key support levels in the market.
The balances of whales and 'dolphins' of #bitcoin #bitcoin are signaling a bearish market, with weakening holding structures across all major investor cohorts, according to a recent analysis from CryptoQuant.
The stagnation in accumulation by large holders eliminates a fundamental pillar of demand that has historically absorbed selling pressure and supported spot prices. At the same time, the supply in the hands of long-term holders has reached a record level, a combination suggesting potential distribution pressure instead of conviction-driven accumulation.
When whales stop buying and long-term investors sit at supply highs, the burden of marginal buying shifts entirely to ETF inflows and new retail participants.
CryptoQuant data shows the Exchange Whale Ratio at decade highs
The Exchange Whale Ratio, which measures the proportion of the total $BTC sent to exchanges from the top 10 largest deposits, recently hit 0.67, the highest reading since October 2015.
This means that 64% of all Bitcoin that flowed into exchanges during that period came from a handful of large addresses.
A verified analyst from CryptoQuant identified a three-stage pattern near recent highs: whales accumulated near local lows around $78,000, then distributed roughly between $77,000 and $81,000, while $BTC reserves on exchanges rose from 2.677 million to 2.696 million BTC, the highest figure of the month.
Hackers use AI chatbots to sneak in malware and get gamers' GPUs mining #Criptomonedas
The #hackers have found a pretty dirty, yet eye-catching way to capitalize on the AI boom: using chatbots and poisoned search results to sneak in malware disguised as well-known PC utilities. #Microsoft has detected a cryptojacking campaign by hackers using chatbots that directly targets users with powerful rigs, especially gamers and hardware enthusiasts, because that's where the GPUs capable of mining cryptocurrencies are, without the attacker having to foot the electricity bill.
Given that Iran used to be a paradise for the #criptomineria due to its super cheap energy, considering everything going on with the country and the U.S., hackers now have to find ways to cut down on energy costs from the rest of the planet to maintain their #Mining ratio, and that involves gamers' PCs worldwide.
The trap starts with something very everyday that you’re probably doing daily. We search for a tool like HWMonitor, CrystalDiskInfo, Display Driver Uninstaller, FurMark, Pack, or PDFgear, and wind up unknowingly on a fake site that looks legit, download a ZIP file, and think we’re installing the official and normal software.
The problem is that this package is rigged to execute malicious code via DLL sideloading, a technique that exploits legitimate executables to load a DLL and kick off the infection without raising too many eyebrows.
Microsoft explains that the campaign relies on over 150 malicious domains and has been active since March 2026, so it's really recent and coincides, as we mentioned, with the desperation of the cheap energy party in Iran coming to an end.
Once inside the system, the malware installs ScreenConnect, a legitimate remote access tool that's being misused here. It then deploys miners like gminer, lolMiner, and SRBMiner-MULTI, all aimed at squeezing the GPU.
What US crypto asset perpetuals mean for the future of cryptocurrencies
For years, one of the most significant crypto asset markets has existed entirely outside of the United States. Today, that changes, explains CFTC Chair Selig.
This morning, the Commodity Futures Trading Commission (CFTC) took historic action to allow the listing of a genuine bitcoin perpetual contract by a CFTC-registered exchange. In doing so, the Commission paved the way for one of the most liquid segments of the crypto asset markets to exist within the US regulatory framework.
Having true perpetual contracts in the United States is a major step toward fulfilling President Trump’s goal of consolidating America as the global capital of cryptocurrencies. Unlike a traditional futures contract, designed for markets that close overnight and on weekends, a perpetual contract (also known as 'perpetual' or 'perp') is a type of derivative that has no fixed expiration date.
Instead, counterparties periodically exchange a funding rate payment, similar to variation margin, designed to maintain the relative price parity with the spot price of the underlying asset. In markets that operate 24/7, the absence of an expiration date allows market participants to maintain continuous exposure to the price without periodic expirations and the associated costs of renewing contracts.
Perpetual contracts were first theorized in a discussion paper published in 1992 by Nobel Prize-winning economist Robert Shiller. Since then, perpetuals have become a fundamental tool for risk management and price discovery in global crypto asset markets.
Samsung buys 4% of Upbit operator in a bet on the crypto ecosystem in South Korea
Three Samsung subsidiaries have agreed to purchase a combined 4% stake in Dunamu, the company behind Upbit, in a deal worth USD $408 million that adds to a rapid wave of investments from major financial groups in the country's largest crypto exchange.
* Samsung Securities, Samsung SDS, and Samsung Card will buy 1.39 million shares of Dunamu from Kakao Investment for KRW 612.800 billion. * This deal comes after purchases by Hana Financial Group and Hanwha Investment Securities, which together restructured nearly 14% of Dunamu in less than two weeks. * The buyers are looking to position themselves ahead of the rise of stablecoins tied to the won, tokenized assets, and on-chain settlement in South Korea.
Dunamu stated that it will collaborate with Samsung's subsidiaries on financial investment products based on blockchain, payment infrastructure, and expansion into AI initiatives supported by blockchain technology. Thus, the agreement is not limited to a capital bet but also aims at future operational synergies.
In simple terms, stablecoins linked to a national currency seek to offer a stable digital representation for payments, remittances, and operations within financial platforms. Tokenized assets, on the other hand, aim to bring traditional instruments into blockchain infrastructures to enhance efficiency, traceability, and potentially access.
Hana indicated plans for stablecoins linked to the KRW and blockchain-based remittances using Dunamu's GIWA Chain, a layer 2 network of $ETH . That detail suggests that several of these purchases are not merely financial but seek early access to infrastructure and technological partnerships.
A blockchain lottery plans to convert betting commission into crypto funding for developers of $ETH
The decentralized lottery protocol Megapot is teaming up with Protocol Guild in what the companies describe as the first programmable charitable lottery in the crypto space.
What you need to know: The crypto lottery platform Megapot is partnering with Protocol Guild in a blockchain-based charity lottery that automatically directs referral commissions from ticket sales to the lead developers of $ETH
The initiative aims to tackle the growing funding gap for developers of $ETH , transforming speculative activity in crypto into a transparent and on-chain funding flow for the engineers maintaining the network.
Under the agreement, users can buy tickets for a daily lottery through a dedicated Protocol Guild portal with the chance to win prizes from a fund exceeding $1.1 million. Megapot reported that 100% of the referral commissions generated from ticket sales will be automatically distributed via smart contracts to Ethereum developers supported by Protocol Guild.
This effort arises amid increasing concerns about sustainable funding for Ethereum's core infrastructure. While the blockchain backs billions in decentralized finance and crypto trading activity, many developers maintaining the network earn significantly less than their peers in other sectors of the industry, according to Megapot.
Analyst spots accumulation signal in UNI, FET, and 10 cryptocurrencies on Binance
Market analyst Joao Wedson spots what he sees as a clear accumulation signal specifically in ten cryptocurrencies on Binance, the largest exchange in the game. Wedson laid it out in a post dated May 24, 2026, based on the net flow heatmap from Binance. This is a graphical tool from Cryptoquant that measures the difference between the cryptos flowing in and out of the exchange. Warm colors like red indicate net outflows of cryptos, while cool tones and greens show net inflows.
Crypto Influencer Fantasy Game Top to Shut Down After Payout of $20 Million to Players.
Fantasy Top, a game that reimagines fantasy sports through the lens of Crypto Twitter, will be closing two years after its successful launch.
Two years after making waves on Crypto Twitter, the fantasy sports and collectible card game based on blockchain, Fantasy Top, will be shutting down at the end of June, the company announced on Wednesday.
The game allowed players to create lineups like in fantasy football, but instead of NFL players, it used NFT collectible cards of popular crypto influencers and tracked their stats — engagement metrics on their posts on X — instead of receptions and touchdowns.
Once the jewel of the crypto social ecosystem, the game ended up paying over $20 million to its players and $3.2 million to the "heroes," the crypto personalities who were the backbone of the game’s fantasy product.
"What started as an experiment around attention markets and social finance became one of the most viral and engaging consumer crypto applications in the ecosystem," the game posted on X.
"At the same time, the long-term economy of the collectible card game model ended up showing its limits," it added, noting that the trading volume of its NFT cards was not a sustainable revenue model for long-term operations.
The game, which launched in 2024 on the scalability Layer 2 network of $ETH Blast, had been working on adjacent products and iterations of its social and financial mix over the past 12 months, but claims it failed to find something that worked.
"Despite a solid pace of experimentation and iteration, none achieved a lasting market fit," it noted.
CME Group just added a new chapter to the institutionalization of the crypto market with the launch of futures on the Nasdaq CME Crypto Index, its first market cap-weighted contract. This move expands its offerings beyond single-asset futures, but it also coincides with a time when analysts and valuation metrics are showing mixed signals about the company's stock.
* CME Group launched futures for the Nasdaq CME Crypto Index, its first crypto product based on a market cap-weighted index.
* The contract aims to provide diversified exposure to cryptocurrencies through a regulated futures platform, potentially targeting institutional investors.
*CME's stock is trading at USD $282.54, nearly 8% below the average analyst target, although Simply Wall St estimates it is 13.7% above its fair value.
In practical terms, this type of instrument allows certain market participants to gain exposure to the aggregated behavior of a basket of crypto assets without needing to buy or custody individual tokens. For the institutional segment, that distinction can be crucial, especially in a context where regulated infrastructure and risk management remain decisive factors, reports Yahoo Finance.
PlayStation not integrating $XRP : rumor about Ripple and Sony losing steam
The chatter about a potential integration of $XRP into PlayStation has been buzzing, but the available evidence points in a different direction. Sony hasn't announced any partnership with Ripple, and their known strategy is focused on a proprietary blockchain payment system, closed off and backed by a regulated stablecoin.
** No public confirmation of a partnership between Sony, PlayStation, and Ripple to integrate $XRP . ** The confusion arose from mixing Ripple's strategic concept of "North Star" with Sony Bank's actual internal stablecoin project. ** Sony's bet on Web3 payments aims to cut fees and maintain total control over its digital ecosystem.
The 5 most relevant news in the world of Bitcoin mining.
Here’s a rundown of the 5 most impactful news stories in the Bitcoin mining scene over the last 7 days.
- The carbon footprint in digital mining and AI computing. - Thailand doubles down on its efforts against BTC miners. - Despite Friday's dip, mining stocks outperform BTC in performance. - Canaan, a manufacturer and operator of Bitcoin mining hardware, mined nearly 100 BTC in April and holds 1,800 coins. - MARA Holdings liquidated around $1.5 billion in BTC amid a pivot towards AI.
Bitcoin (BTC) is trading steady this May 14, 2026, hovering around $80,000 - $81,000 USD, amidst uncertainty regarding inflation in the U.S. (PPI at 6%) and focus on the Trump-Xi meeting. The market shows mixed behavior with the price trying to break through the $80k resistance after attempts to dip.
* Current Price: Holding above $80,000 USD, with slight daily fluctuations.
* Volume and Market: Transaction volume has seen an uptick, with a 26% growth in 24-hour volume.
* Key Factors:
- Inflation: The U.S. PPI (Producer Price Index) exceeded forecasts, raising inflationary fears. - Geopolitics: Attention is on the U.S.-China summit and the ceasefire in Iran. - Regulation: The U.S. Senate is debating new bills regarding crypto assets.
* Technical Context: Analysts are watching to see if BTC can consolidate above $80,000 or if it faces corrections due to macroeconomic pressure.