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Introduction Regulators’ push to curb stablecoin yields under the CLARITY Act threatens to reroute capital away from fully regulated markets and toward offshore or opaque financial structures. Industry executives warn that restricting compliant stablecoins from offering yields co...

Crypto card market reaches $18B, highlighting stablecoin demand for real-world spending. The article Crypto Cards Emerge as $18B Market first featured on theccpress.com.

Need to know what happened in crypto today? Here is the latest news on daily trends and events impacting Bitcoin price, blockchain, DeFi, NFTs, Web3 and crypto regulation.

Adjusted stablecoin transfers and payments are just $400B when not accounting for routing and double transactions. The estimate is much lower compared to the reports of $10T to $30T. Real estimates of stablecoin transfers and payments are at around $400M per year, shows the latest data by Artemis. Previous reports of $10T to $30T, rivaling credit card payments, may not be accurate and do not reflect the movement of funds between counterparties. Adjusted stablecoin data show that a transaction may produce additional on-chain activity, which does not reflect the original payment intention. The real value transfers are not differentiated from technical movements, unspent outputs, smart contract activities and high-volume trading. Stablecoin payments doubled in the past year Even with filtered and adjusted transactions, the latest data shows stablecoin payments doubled in the past 12 months. In total, payments reached $400B, coinciding with the constant growth of active wallets. Artemis filtered for payment-like behaviors, showing a more detailed breakdown of the usage of stablecoins. The report discovered wider adoption in several use cases. B2B payments made up $230B, or 60% of all transfers. Remittances reached $90B in the past year. Stablecoins were also used to settle capital market trades, with around $8B in volumes. The biggest sector growth came from stablecoin cards. For now, the cards handled $4.5B, but the sum represented an 800% year-on-year growth. Overall, crypto card usage spiked in the past year, driven by improved regulations. Regional adoption of stablecoin payments remains uneven Stablecoin payments are regionally clustered, linked either to local economies or to specific regional crypto activity. Most of the real stablecoin traffic is concentrated in Asia, with Singapore, Hong Kong, and Japan emerging as leaders. Payment usage depends on local merchant adoption and culture. The spread of apps using Tether among merchants is one of the payment drivers. While stablecoin adoption increased in the USA and Europe, the tokens were more rarely used for payment purposes. However, global usage remained strong, boosting the adoption of USDT. In the past year, USDT and USDC were also among the most active contracts on Ethereum. Non-payment stablecoin activity remained strong Artemis discovered earlier that smart contract activity made up 49.66% of all stablecoin transfers. The exact ratio may depend on the period observed, but overall, smart contracts for trading, loans, and other DeFi activities are key to stablecoin adoption and demand. Simple transactions between wallets made up just over 50% of all transfers. Payment activity is clustered in smaller sum transfers, while smart contracts usually move whale-sized stablecoin orders. As stablecoin markets matured, app producers and platforms started to differentiate the potential activity of assets. Several apps and chains are starting to focus on payments through stablecoins, choosing the least risky regulated assets. At the same time, synthetic, asset-backed, or DeFi-focused stablecoins rely on contract activity, vaults, and staking, showing a different activity profile. Don’t just read crypto news. Understand it. Subscribe to our newsletter. It's free .

Exploring the rapid adoption and future prospects of stablecoins within global financial systems. Read original article on coinlive.me

The first month of 2026 has seen massive inflows into Digitap’s ($TAP) presale. Its offshore banking utility, limitless target market, […] The post New Price Predictions for Digitap ($TAP) Post Solana Network Update: The $5 Target appeared first on Coindoo.

The Cosmos ecosystem has fallen on hard times recently. However, comments coming out of the project strike a defiant tone, with promises to reclaim lost ground, radical redesigns of its $ATOM token, and the scrapping of certain plans. One of the most controversial issues the Cosmos Hub is facing is the mass exodus of projects and developers. A number of these projects were considered high-profile, and those that did not pivot or migrate to other chains have scaled back or completely shut down. A Cryptopolitan analysis highlighted Cosmos’ struggles, with projects opting for the Ethereum Virtual Machine (EVM) to plug into liquidity-rich venues. The Cosmos ecosystem has had to deal with a mass exodus of projects One of the most recent projects to dump Cosmos is the Noble protocol, a major stablecoin-oriented project that had processed billions in volume before it announced its departure from Cosmos to launch an EVM-based L1. Noble initially positioned itself as a consumer chain. However, it reportedly never delivered on that promise, and according to Tony, the Cybernetics and Nolus community lead, the best it did for the ecosystem was issue USDC for Cosmos DeFi. Its exit from the Cosmos Hub has generated FUD, but Tony claims this FUD is misplaced as the Hub was not benefiting from the project, even while it issued USDC on behalf of Circle. Aside from Noble, other projects that are no longer active on the Hub or have scaled down include the privacy-focused Penumbra, which shut down entirely; Comdex, Kujira, and Evmos, all of which have halted certain developments; and the likes of Omniflix, Elys, and Jackal, which have been migrated to other chains by their respective teams. The ATOM token is also not doing well The exodus of so many projects is concerning enough. There is also the sharp criticism the ATOM token has been facing, which makes the situation even more dire. The token has underperformed dramatically, especially when compared to other major L1s. It is down nearly 90% from its all-time high and is currently trading around $2.3 as it lags behind in the current cycle. Critics have opinions on why the token has underperformed, and they range from flawed tokenomics and governance issues to leadership fractures, as well as a failure to evolve its security and economic models effectively. The issues facing the token and the recent exodus of projects had caused some to tag the ecosystem “pretty much dead,” or on the “path to slow death.” However, Tony, the Cybernetics and Nolus community lead, is convinced the exodus is one of the best things to happen for the Hub. From his perspective, most of them were not contributing in any significant way to the Hub. Tony defends the Cosmos amid heavy criticism Tony believes Noble leaving the Cosmos ecosystem is a net positive and not a negative. “Noble never generated meaningful value for ATOM holders. Literally zero. And the funniest part? The same people who spent YEARS saying ‘consumer chains don’t accrue value to the Hub’ are now panic-posting about how Noble leaving is some catastrophic event,” he wrote in an article he posted on X recently. The way he sees it, Noble leaving clears the path for something better to happen. He claims that the Cosmos Hub is now in direct talks with Circle to issue native USDC on the Hub itself. “Let me tell you something. USDC belongs to Circle, not Noble. And if Circle wants USDC to be natively issued in Cosmos, it won’t rely on Noble or any third-party chain they partnered with for this,” he wrote. As for the projects that left or died, he urges the community to take it all in stride, pointing out that projects that fall in those categories were mostly consumer-facing, retail-focused apps that the Hub is actively pivoting away from. “Their exits don’t contradict the thesis. They confirm it,” he says. He went further by suggesting that Noble’s stablecoin issuance for institutions was actually competition to the Hub, since the Hub wants to do that exact thing for institutions as well. He believes this sets the stage for the Hub to transition into an environment where institutions and financial infrastructure can be built, rather than a trial ground for just any DEX or NFT marketplace. “The Hub’s positioning is narrow and deliberate: become the most interoperable, neutral, secure rail AND infrastructure for institutional-grade applications,” he wrote. How the Hub is fighting back amid all the criticisms Some have written the Cosmos ecosystem off, but optimists can still find signs to be bullish about. According to Tony’s article, there are already a number of things planned to help the Hub stay relevant. One involves the Cosmos Labs and related teams pursuing radical redesigns of ATOM’s tokenomics, seeking to overhaul the present model after acknowledging the security-based approach has not done so well. There are also efforts to improve value accrual, reduce inflation bands, and introduce incentives while focusing more on business development. Some plans have also been scrapped to prioritize more viable paths, even if controversial. From here on out, more emphasis will be laid on the Hub’s core strengths, which include interoperability, appchain flexibility, and resilience. However, whether this will be enough to reverse the current trajectory remains to be seen. Tony seems to think so, but even he has agreed that this may have no effect on short-term price action. After all, institutional adoption is slow, CBDC pilots take years, and native USDC can’t make the ATOM token “moon tomorrow.” He claims anybody who truly believes in Cosmos will have to be patient and avoid looking for success in metrics that other L1s are actively pursuing because Cosmos has set its sights higher. Don’t just read crypto news. Understand it. Subscribe to our newsletter. It's free .

This article was first published on Deythere. The USDC stablecoin re-entered global headlines at Davos this year as Circle CEO Jeremy Allaire reshaped long-standing assumptions about how digital money will move across the financial world. His remarks revived debates about whether...

For years, earning interest in crypto meant giving something up. Lock your funds. Accept unclear terms. Or move assets into DeFi and hope liquidity holds when you need it. In 2026, that trade-off is no longer a given. A growing category of crypto savings products now focuses on two things users consistently ask for: daily interest in crypto and instant access to funds. Here’s how daily interest with instant access works in practice, why most crypto yield products can’t offer both, and what to look for if liquidity matters as much as yield. Why Daily Interest on Crypto Usually Comes With Restrictions Most crypto yield products are not designed around liquidity. They are designed around commitment. That’s where the friction starts. Staking pays rewards over time, but access depends on network rules. Unstaking can take days or weeks. Fixed-term crypto savings advertise higher APYs, but withdrawals break the agreement or cancel interest. DeFi lending protocols may accrue yield continuously, but withdrawals depend on pool liquidity and market conditions. In all three cases, you can earn yield—or you can keep flexibility—but rarely both. What Makes Daily Interest + Instant Access Possible To earn daily interest on crypto and keep instant access, a product must be built around liquidity from the start. That requires a different design approach: No lock-upsIf funds are time-restricted, instant access is already gone. Daily interest that is actually creditedNot “calculated daily” or “averaged monthly,” but credited to your balance every day. Rates that don’t change when you withdrawTiered or conditional APYs often drop the moment you move funds. Simple mechanicsIf users need to manage terms, epochs, or thresholds, flexibility disappears. When these conditions are met, daily interest becomes predictable—and boring. Which is exactly the point. Clapp Flexible Savings: Daily Interest Without Giving Up Control Clapp Flexible Savings accounts are built around a simple premise: earn yield while keeping your money available at all times. Instead of staking or yield farming, assets sit in a savings layer that prioritizes instant access. The yield is usually lower than aggressive DeFi strategies, but the trade-off is clarity and control. For many users in 2026—especially those treating crypto as part of broader finances—that trade-off makes sense. The structure is intentionally simple: Daily interest credited to your balance Instant withdrawals, no lock-ups Fixed APY displayed directly in the app 5,2% APY on stablecoins and EUR Minimum deposit from 10 EUR, USDC, or USDT EUR deposits via SEPA Instant There are no tiers, no loyalty tokens, and no penalties for accessing your funds. Withdrawing does not change your rate or reset conditions. How Bitcoin Holders Use Daily Interest Products Bitcoin itself doesn’t generate staking rewards, and BTC lending yields are typically lower and more restrictive. As a result, many long-term BTC holders earn daily interest on stablecoins or EUR, not on Bitcoin directly. BTC remains the exposure asset, while flexible savings handle liquidity and yield. It’s a separation of functions: Bitcoin for long-term positioning Stable assets for yield and instant access That approach has become more common as crypto portfolios mature. Final Thoughts Clapp Flexible Savings removes friction from crypto yields. By prioritizing daily interest on crypto, instant access, and clear terms, Clapp turns idle balances into a functional savings layer that fits into real financial routines. In a market still crowded with complex strategies and conditional rewards, that simplicity is the point. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.