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Digital payment tools used to just help people move money from one place to another quickly. That was their main job. Money did not stay in those systems for very long.

Now, some payment services let people keep money in accounts on their platform, even when they are not spending it right away. When a service holds money this way, it starts to look more like a bank account than just a payment tool.

This matters because bank accounts and payment tools are treated differently by financial rules. Banks must follow strict rules about how they keep money, how safe it is, and how payments are made. Payment tools have not always been treated that way.

For readers, the…

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In May, 2025, Coinbase (NASDAQ:COIN) announced that it faced a security breach unlike any other. It wasn’t a hack. No one had their account details stolen. But the operation led to Coinbase account owners personal details being handed over to cybercriminals who then phoned these people, telling them that the Coinbase “hack” required they move money off chain and into their Coinbase wallet. Somehow, these thieves managed to clone these wallets and those who fell for this trick had their wallets emptied out within days.  

A few months later, a California-based artist named Ed Suman was the subject of an unfortunate Bloomberg article saying he lost over $2 million to the fake Coinbase…

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XRP (CRYPTO: XRP) is trading below the key psychological $2 level, down about 4% over the past week, as open interest falls to its lowest level since December 2025.

CryptocurrencyTickerPriceMarket Cap7-Day TrendXRP(CRYPTO: XRP)$1.90$116.05 billion-3.3%Bitcoin(CRYPTO: BTC)$87,916.61$1.75 trillion-5.5%Ethereum(CRYPTO: ETH)$2,904.42$350.6 billion-9.8%

Trader Notes: Crypto Tony says XRP is sitting at a pivotal area. A reclaim of $1.89 would signal strength and offer a clean long setup toward higher targets.

Cryptoinsightuk notes XRP has revisited the prior breakdown level, which looks bearish on the surface, but price is still closing within the major support zone. Structurally, nothing has…

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Binance founder Changpeng Zhao predicts a Bitcoin (CRYPTO: BTC) super cycle in 2026, saying the four-year cycle “will probably break” as the U.S. goes pro-crypto.

CZ Calls Bitcoin Super Cycle For 2026

During an exclusive interview with CNBC at Davos last Thursday, Zhao said he has “very strong feelings” that 2026 will be a super cycle for Bitcoin—breaking the traditional four-year boom-and-bust pattern.

He explained that Bitcoin historically follows four-year cycles with an all-time high followed by a drop. But this year is different because the U.S. is pro-crypto and other countries are following that lead.

Zhao doesn’t trade, saying he holds Bitcoin and BNB (CRYPTO: BNB)…

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Bitcoin starts the week around $88,000 mark as fearful market sentiment caused liquidations of $744.06 million over the past 24 hours.   

Bitcoin ETFs saw $103.6 million in net outflows on Friday, while Ethereum ETFs reported $41.7 million in net outflows.

Trader Commentary: Trader Timeless Being said Bitcoin is testing a critical level that now serves as the last line of defense for bulls within the current range. Holding this zone is essential to avoid a broader bull-to-bear shift.

He noted that bulls need to reclaim the $89,000–$90,000 area, with failure increasing the risk of a deeper move toward the $80,000–$75,000 range.

Michael van de Poppe said Bitcoin is showing signs of…

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