United States Dollar Cat priceUSDC

The recent crypto market rally experienced earlier this year stalled recently as traders booked profits. CLARITY Act markup to happen on January 15 The crypto market will be in focus next week as investors react to the upcoming markup of the Market Structure Bill, which aims to streamline the crypto industry. The upcoming markup was confirmed by Senator Tim Scott, the Chairman of the Senate Banking Committee, who believes that the bill is important as the United States seeks to become the crypto capital of the world. This bill’s goal is to separate the duties between the Securities and Exchange Commission and the Commodity Futures Trading Commission. Most cryptocurrencies will be overseen by the CFTC, which is generally seen as more friendly than the SEC. The SEC, on the other hand, will largely focus on token sales and cryptocurrencies that raised money through this approach. The CLARITY Act comes a year after Washington passed the GENIUS Act, which helped to regulate stablecoins like USDC and USDT. At the same time, the SEC has embraced a more friendly approach in crypto regulations, by approving ETFs and ending most lawsuits. Will the Market Structures Bill lead to a crypto market rally? The question among many crypto investors is whether this bill will lead to a crypto market rally. While important, the bill itself will not lead to a crypto rally as we saw with the GENIUS Act. One main reason is that the market already expects it to pass, with odds on Polymarket being over 80%. As such, there is a likelihood that cryptocurrencies will drop as investors sell the news. Additionally, the bill will not have an immediate impact on most coins, including the likes of Bitcoin and Ethereum. Instead, it may have some impact on companies launching cryptocurrencies in the United States. Most importantly, cryptocurrencies remain in a bear market despite the friendliness of US regulators. For example, the XRP price has crashed into a bear market even after the SEC vs Ripple case ended. Still, the crypto market could rally this year, as the Fear and Greed Index moves close to the greed zone and as the falling futures open interest starts to bottom. Also, more interest rate cuts will help to boost the crypto market.

One of the most educational aspects of Morpho On-Chain Earn is how it visualizes interest growth in real time. Unlike traditional savings or fixed-income products, where returns are calculated at the end of the day or month, On-Chain Earn lets you see interest accruing every second. This makes the concept of APR tangible and easier to understand. Here’s a simple step-by-step process to see it in action: Step 1: Choose Your Asset – Start by selecting a stablecoin product, like USDC or USDT, within On-Chain Earn. Step 2: Subscribe – Confirm your subscription. Your assets are deployed immediately on-chain through Morpho and Arbitrum, without waiting for approval. Step 3: Watch Interest Accrue – From the moment your assets are live, interest starts accumulating continuously. The platform shows your balance increasing in real time, forming a smooth upward curve. This live curve helps you understand how APR translates into actual earnings over hours, days, and months. Step 4: Monitor Performance – You can check your principal and accrued interest anytime. The real-time updates make it easy to track growth and understand how your yield compounds over time. Step 5: Redeem Flexibly – If you want to exit or adjust your position, you can redeem at any time without waiting for a lock-up period. This preserves both flexibility and visibility of returns. By following these steps, beginners and experienced users alike can clearly see how on-chain earning works. The real-time interest curve transforms abstract percentages into concrete growth, making learning about DeFi more intuitive. $MORPHO $USDC $ARB

On January 9, 2026, the financial world witnessed a tectonic shift as BNY Mellon, the world’s largest custodian bank with $57.8 trillion in assets, officially launched its tokenized deposit service. Ripple is not just a spectator in this "megatrend"; it is a foundational early adopter. Through Ripple Prime, its newly rebranded institutional brokerage arm, Ripple has joined an elite circle of launch partners including Citadel Securities, Intercontinental Exchange (ICE), and Circle. This partnership effectively bridges the gap between traditional banking and the 24/7 digital economy, allowing institutions to move cash on-chain for real-time collateral, margin, and settlement workflows. I. Ripple Prime: The Institutional Engine Room Ripple’s direct involvement in BNY’s initiative comes through Ripple Prime, the brokerage entity formed after its high-profile $1.25 billion acquisition in 2025. By becoming an early client of BNY’s tokenized deposits, Ripple Prime can now manage its liquidity with unprecedented efficiency. This allows for near-instantaneous transfers between traditional bank ledgers and digital asset rails, bypassing the limitations of legacy banking hours. For XRP holders and Ripple ecosystem participants, this represents a major validation of Ripple's "enterprise-first" strategy, positioning its infrastructure as the preferred gateway for the world's largest financial institutions. II. Tokenized Deposits vs. Stablecoins: A New Era of Safety A critical takeaway from BNY’s launch is the distinction between tokenized deposits and stablecoins. While stablecoins like USDC or Ripple’s own RLUSD (which BNY notably custodies as of July 2025) are backed by external reserves, tokenized deposits are direct, interest-bearing liabilities of the bank itself. This launch was accelerated by the passage of the GENIUS Act in late 2025, which provided the legal certainty needed for banks to move deposits onto digital rails. These "on-chain deposits" offer a higher level of regulatory safety for institutions, creating a "trusted settlement layer" that can handle trillions in daily transaction volume. III. The 24/7 "Always-On" Market Infrastructure BNY and its partners, including Ripple, are solving a decades-old friction point: the T+1 or T+2 settlement delay. With tokenized deposits, BNY is enabling programmable cash that can settle margin calls or release collateral automatically at 3:00 AM on a Sunday. ICE (the operator of the New York Stock Exchange) has already confirmed it will integrate these deposits into its clearinghouses to support continuous, 24/7 trading models. This ecosystem doesn't just benefit from faster payments; it lays the groundwork for the tokenization of all financial assets from stocks and bonds to real estate all settled instantly with bank-backed digital money. IV. Essential Financial Disclaimer This analysis is for informational and educational purposes only and does not constitute financial, investment, or legal advice. Ripple Prime’s participation in BNY Mellon’s tokenized deposit service does not guarantee the price performance of XRP or other Ripple-related assets. The regulatory environment for tokenized deposits is still evolving following the passage of the GENIUS Act and may be subject to further legislative changes. The integration of blockchain technology into traditional banking infrastructure carries inherent technical and systemic risks. Always conduct your own exhaustive research (DYOR) and consult with a licensed financial professional before making any significant investment decisions in the digital asset or banking sectors. Do you think BNY Mellon’s tokenized deposits will eventually replace the need for traditional stablecoins in the institutional space?

New reminder for pump.fun Jan 11, 202600:00 Daily pay money ACLEDA BANK PLC CAMBODIA 21000604978021$USDC