In the latest developments in e-commerce and the cryptocurrency market, pivotal changes have emerged reflecting shifts in economic policies and regulatory trends at the global level. The popular platform Temu, which relies on selling products at low prices from China, announced the suspension of direct shipping to the United States, following actions by U.S. authorities to close the "de minimis" loophole that allowed goods valued under $800 to enter without customs duties. This decision may directly impact product prices, with experts predicting costs could rise by more than 100% in some cases, as Temu shifts to relying on local suppliers within America.

Concurrently, the UK Financial Conduct Authority (FCA) revealed its intention to impose a ban on using personal loans for investment in cryptocurrencies, a move aimed at protecting individuals from the risks associated with borrowing in a highly volatile market. This trend comes against the backdrop of crises experienced in the market, such as the collapse of Celsius Network, which left behind billions of dollars in debt. These developments outline the features of a new phase of financial and digital governance globally.