The post Ripple’s National Trust Bank Charter Could Get Fast-Tracked—If the Fed Wants It, Says Analyst appeared first on Coinpedia Fintech News The U.S. banking system might be going through one of its biggest changes in years without much public attention. The EGRPRA review (Economic Growth and Regulatory Paperwork Reduction Act), which takes place only once every decade, is now underway and will continue until July 2026. This review allows top financial regulators, the OCC, Federal Reserve, and FDIC, to update banking laws without needing Congress to act. It’s a rare opportunity to redefine what a bank is and how financial services work in a digital world. EGRPRA Review May Quietly Reshape U.S. Finance At the center of this potential shift is Ripple. The company has applied for a national trust bank charter, which would allow it to operate in a completely different way from traditional banks. Instead of taking deposits or offering loans, Ripple’s trust would: Manage stablecoin reserves Settle tokenized assets Run smart contracts on blockchain networks Legal expert Mr. Man referred to this review as a “legal bypass,” meaning regulators can make significant changes to financial rules without the usual political process. Ripple’s Application and the Fed’s Fast-Track Clause Mr. Man points to Section 12 CFR § 262.3, which governs how the Fed processes such applications. Typically, once Ripple’s application is made public, there’s a 90-day window for review. However, the Fed can bypass this entirely if it deems the application critical to system stability or liquidity. That clause could give Ripple an express lane to approval if its services are seen as essential for the evolving tokenized economy. Mr. Man adds that Ripple’s success would mark a turning point in redefining legal personhood in the financial system, from paper charters to programmable code. Can Ripple Get Fast-Tracked? According to Federal Reserve regulations under 12 CFR § 262.3, once Ripple’s application is made public, a formal 90-day window opens for review and public comment. During this time, the Fed can approve, reject, or require the application to be resubmitted. However, there’s a lesser-known clause that gives the Board the power to waive these procedures entirely if “immediate action is necessary to prevent failure” or if there is an emergency. .article-inside-link { margin-left: 0 !important; border: 1px solid #0052CC4D; border-left: 0; border-right: 0; padding: 10px 0; text-align: left; } .entry ul.article-inside-link li { font-size: 14px; line-height: 21px; font-weight: 600; list-style-type: none; margin-bottom: 0; display: inline-block; } .entry ul.article-inside-link li:last-child { display: none; } Also Read : XRP Beats the Big Mac: Third-largest Crypto Surpasses McDonald’s Value , This clause gives regulators the flexibility to fast-track Ripple’s approval if they consider it critical to liquidity, interoperability, or systemic financial stability. What Could This Mean by 2026? By the time the EGRPRA review ends in 2026, the U.S. may have quietly created space for a new type of financial institution, programmable, blockchain-based entities that operate under traditional regulation but with entirely digital tools. Ripple’s trust bank could be one of the first, handling smart contracts and stablecoins just like banks handle checks and wires today. A New Financial Framework, Built in Plain Sight This shift won’t come with headlines or big announcements. But analysts believe it could mark the beginning of a financial system where code, tokens, and blockchains operate side by side with traditional finance all legally approved under U.S. law. 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Bitcoin continues to try to take down the $120,000 level, but the resistance is too strong for now, and the asset has slipped by two grand since its peak earlier today. In contrast, several altcoins have posted impressive gains over the past day, including BNB, which shot up to a new all-time high of $800. BTC Stalls at $120k After peaking beyond $123,000, the primary cryptocurrency dumped by over seven grand within a day and bottomed at just under $116,000 last week. The bulls halted the freefall at this point and didn’t allow another breakdown to take place. Just the opposite, BTC started to recover some ground and jumped to $121,000 by the end of the business week. However, it couldn’t breach that level, and despite its few attempts, each rejection resulted in a price slip to around $117,000. Following a quiet weekend, BTC jumped toward $120,000 twice on Monday and Wednesday morning, but the scenario repeated once again as profit-taking went wild . The latest rejection occurred earlier today, which drove bitcoin south to under $119,000 as of now. Consequently, bitcoin’s market cap has stalled at $2.360 trillion, while its dominance over the alts has taken another hit and is down to 59% on CG. BTCUSD. Source: TradingView BNB Charts New ATH The big news from the top 10 alts is BNB’s surge past $800 as the asset painted a new all-time high. This represented a 300% surge from the October 2023 lows when it dropped to $200. Elsewhere, ETH has neared $3,700 once again after a 2% daily increase, while XRP has defended the $3.45 level following a similar daily jump. SOL is close to $200 again, while XLM has added 5% of value. Even more impressive gains come from APT, ONDO, and TAO, which have all jumped by more than 7% daily. Nevertheless, the top performers are FLR and PENGU as both have shot up by more than 20% since yesterday. The cumulative market cap of all crypto assets has increased by over $40 billion in a day and is up to $4 trillion on CG. Cryptocurrency Market Overview. Source: QuantifyCrypto The post PENGU Shoots Up by 20%, Bitcoin (BTC) Fails at $120K Again: Market Watch appeared first on CryptoPotato .
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The post XRP Beats the Big Mac: Third-largest Crypto Surpasses McDonald’s Value appeared first on Coinpedia Fintech News XRP has surged 500% from July 2024, reaching a new all-time high of $3.65. Additionally, the token surpassed global giants like McDonald’s and American Express as its market capitalization climbed $215 billion. XRP Surpasses McDonald’s in Market Capitalization The world’s third-largest cryptocurrency, XRP, has skyrocketed, surpassing the global giant McDonald’s. The fast-food giant had already lost approximately $7 billion in revenue due to the global boycott campaign initiated by pro-Palestinian activists in response to the company’s support for Israel. Now, it has been surpassed by XRP , as the crypto token’s price has surged 90% since April. Several favorable US legislations for Ripple, such as classifying XRP as not a security, have boosted investor confidence and legitimacy in the token. Experts cited that XRP is trending because of a strong price breakout and heavy whale buying in recent days. $XRP HAS SURPASSED A $215 BILLION MARKET CAP Ripple officially exceeded the market value of American Express and McDonald’s, solidifying its position among the world’s top assets. The token has surged 500% since July 2024, reaching a new ATH of $3.65. pic.twitter.com/kBQ0uEsJGo — Cryptic (@Cryptic_Web3) July 21, 2025 Factors Contributing to XRP’s Price and Demand Surge One of the prime factors in this price surge is — Ripple announcing to end the lawsuit with the SEC in March 2025. As the US House of Representatives passed several crypto bills, such as the GENIUS Act and CLARITY Act, which contributed to the surging adoption rate of digital assets, automatically raising the price. As ProShares launched the first-ever XRP-linked ETF on a major U.S. exchange, it provided regulated exposure for both institutional and retail investors, pushing the price and adoption rate of the digital asset. Can XRP Maintain the Stability in Price Capitalization? The price dipped in the last 24 hours and fell down to $3.46. Macdonald’s currently has a market capitalization of approximately $214.72 billion USD, ranking as the 68th most valuable company in the world. While the XRP price has dipped in the last few hours, the market appears promising with new regulations and investor protection compliance. So, it is indicated that XRP may, after all, be able to maintain high market capitalization.
The FBI has officially dropped its investigation into Kraken founder Jesse Powell and returned dozens of seized devices, including laptops and cellphones, according to Fortune. The investigation, which stemmed from a management dispute with a non-profit organization Powell founded, had no connection to his operations at the cryptocurrency exchange. Powell expressed relief over the conclusion
Pudgy Penguins (PENGU) is clearly showing fresh breakout signals after reclaiming key levels, thanks to rising whale activity. According to CoinMarketCap data , the token rose to over 20% in the last 24 hours, trading at $0.04420 at the time of writing. PENGU’s parabolic trend seems like that $0.05 target is achievable. The primary catalyst is the institutional FOMO triggered by Canary Capital’s PENGU/NFT ETF proposal , which was acknowledged by the US SEC early this month. The filing, if approved, would mark the first memecoin ETF with NFT exposure. Additionally, the token witnessed increased buying activity from major investors, propelling its market capitalization beyond $2 billion. PENGU Soars Nearly 35% in Past Week Pudgy Penguins token has exploded nearly 35% weekly gain on Wednesday, with a 54% increase in trading volume in the past 24 hours. As reported earlier , whale wallets have scooped roughly 200 million PENGU since the start of July, indicating aggressive institutional accumulation. Further, PENGU’s rally combines NFT market revival, reduced exchange risk, and technical momentum. “Considering some macro factors playing behind the scenes with its ETF on the cards and Coinbase involvement might further strengthen the memecoin price uptrend,” one user wrote on X. Four years ago today, Pudgy Penguins NFTs minted and the global takeover began. Thank you to everyone who’s joined us so far. We’re just getting started. pic.twitter.com/nsoJ8L6v36 — Pudgy Penguins (@pudgypenguins) July 22, 2025 Pudgy Penguins Surpasses $BONK, $TRUMP PENGU has overtaken BONK and TRUMP to claim the top spot as the number 1 memecoin on Solana by market cap. Additionally, the token smashed through $1.03 BILLION in volume on Binance alone, with massive traction across top-tier exchanges. Per coinglass, PENGU hit $500 million in volume on Bitget, followed by $465 million on OKX exchange. Market watchers have predicted that PENGU remains bullish with a clear uptrend channel. “Price is holding strong above the breakout zone and showing signs of a potential rally,” one trader noted . “After the recent surge, we are seeing healthy consolidation, a perfect time for bulls to prepare for the next leg up!” The post PENGU Hits Record Volume, Token up Over 20% – How Far Will it Go? appeared first on Cryptonews .
Spot Ethereum ETFs notch $533 million in daily inflows, pushing all-time inflows to $8.3 billion amid rising institutional demand.
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BitcoinWorld Urgent Binance Delisting Alert: GPS/FDUSD & HIVE/FDUSD Pairs to Vanish In the fast-paced world of cryptocurrency, staying informed is not just an advantage—it’s a necessity. Major exchange announcements, especially those concerning trading pairs, can significantly impact your portfolio and trading strategies. Today, we’re diving into a crucial update from Binance, the world’s largest crypto exchange, regarding an upcoming Binance delisting that requires immediate attention from its users. What’s Happening with the Binance Delisting? Binance, a leading name in the global cryptocurrency landscape, has officially announced the removal of two specific spot trading pairs from its platform. This significant Binance delisting affects the GPS/FDUSD and HIVE/FDUSD pairs. The cessation of trading for these pairs is scheduled for July 25, 2024, at 03:00 UTC . This move, communicated via their official website, is a standard operational procedure for exchanges, but it always warrants a closer look for affected traders. For those holding or trading in these specific assets, understanding the implications of this announcement is paramount. Once delisted, these pairs will no longer be available for spot trading on Binance, meaning you won’t be able to buy or sell GPS or HIVE directly against FDUSD on the platform after the specified time. Why Do Exchanges Announce a Binance Delisting? Exchange delistings, including this recent Binance delisting , are not uncommon in the crypto space. They typically occur for a variety of reasons, all aimed at maintaining a healthy, secure, and efficient trading environment. Understanding these reasons can help traders anticipate future changes and manage their risks more effectively: Low Liquidity or Trading Volume: Pairs with consistently low trading volume can be inefficient for an exchange to maintain. They may not attract enough buyers and sellers, leading to wide bid-ask spreads and poor price discovery. Project Inactivity or Development Issues: If a cryptocurrency project shows little to no development activity, fails to meet roadmap milestones, or loses community support, exchanges might delist it. This protects users from potentially defunct or stagnant assets. Regulatory Concerns: The evolving regulatory landscape often prompts exchanges to review and adjust their listed assets. If a token or its underlying project faces regulatory scrutiny or does not comply with new regulations in various jurisdictions, it may be delisted. Security Vulnerabilities: Any identified security risks within a project’s blockchain or smart contracts can lead to a swift delisting to protect user funds and the exchange’s reputation. Failure to Meet Listing Standards: Exchanges have ongoing listing criteria, which can include factors like network stability, team transparency, and market capitalization. Projects that fall short of these continuous standards may face removal. While Binance has not provided specific reasons for the GPS/FDUSD and HIVE/FDUSD delisting, it’s generally understood to fall under one or more of these categories, reflecting their commitment to maintaining a robust trading ecosystem. What Does This Binance Delisting Mean for Your Portfolio? If you hold GPS or HIVE tokens, particularly if they are paired with FDUSD on Binance, this announcement directly impacts you. The immediate consequence is that you will no longer be able to execute new spot trades for GPS/FDUSD and HIVE/FDUSD after the deadline. This could lead to a few scenarios: Inability to Trade: Any open orders for these pairs will be automatically canceled by Binance at the delisting time. You won’t be able to place new buy or sell orders for these specific pairs. Potential Price Volatility: Leading up to a delisting, tokens often experience increased price volatility as holders rush to sell or convert their assets. This can create both opportunities and risks. Need for Action: You will need to decide what to do with your GPS and HIVE tokens before July 25. Ignoring the announcement could leave your assets illiquid on the exchange for these specific pairs. Actionable Steps: What Should Affected Users Do Before the Binance Delisting? Proactive measures are crucial to navigate this Binance delisting smoothly and protect your assets. Here’s a clear guide on what you should do: Cease Trading These Pairs: If you have any active trading strategies involving GPS/FDUSD or HIVE/FDUSD, it’s advisable to halt them immediately and avoid opening new positions. Cancel Existing Orders: Binance will automatically cancel all outstanding spot orders for GPS/FDUSD and HIVE/FDUSD at 03:00 UTC on July 25. However, it’s good practice to manually cancel any open orders you might have to ensure you retain control and avoid unexpected executions just before the deadline. Convert or Trade Affected Assets: This is the most critical step. You have a few options for your GPS and HIVE tokens: Trade Against Other Pairs: Check if GPS or HIVE are listed against other stablecoins (like USDT, USDC) or major cryptocurrencies (like BTC, ETH) on Binance. If they are, you can convert your GPS or HIVE into these more liquid assets before the delisting of the FDUSD pairs. Convert to FDUSD or Other Stablecoins: If your primary concern is to retain value in a stable asset, you can sell your GPS or HIVE for FDUSD (if available against other pairs) or other stablecoins like USDT. Convert to Bitcoin or Ethereum: For those looking to stay in the crypto market but with more established assets, converting to BTC or ETH is another viable option. Withdraw Funds to a Personal Wallet: If you prefer not to convert your GPS or HIVE tokens on Binance, or if there are no suitable alternative trading pairs, you should withdraw them to a personal, secure cryptocurrency wallet (e.g., a hardware wallet or a reputable software wallet that supports these tokens). Ensure you use the correct network and address to avoid loss of funds. Binance typically allows withdrawals of delisted tokens for a period after the trading cessation, but it’s always safer to move them proactively. Monitor Official Announcements: Always keep an eye on Binance’s official announcements page for any further updates or clarifications regarding the delisting or subsequent handling of these assets. Navigating Future Delistings: Lessons from this Binance Delisting The crypto market is dynamic, and exchange announcements like this Binance delisting are a constant reminder of the need for vigilance. Here are some actionable insights to help you navigate future market changes: Diversify Your Portfolio: Relying too heavily on a single low-cap or less liquid asset can expose you to significant risks during delistings or other market shifts. Stay Informed: Regularly check official exchange announcements, follow reputable crypto news sources, and engage with the communities of the projects you invest in. Understand Liquidity: Before investing, assess the liquidity of a token. High liquidity generally means easier buying and selling without significant price impact. Use Secure Wallets: For long-term holdings or assets not actively traded, storing them in a personal, non-custodial wallet gives you full control and mitigates exchange-specific risks. Have a Contingency Plan: For every asset you hold, consider what you would do if it were delisted from your primary exchange. This foresight can save you from panic decisions. Conclusion: Be Prepared, Stay Ahead The upcoming Binance delisting of GPS/FDUSD and HIVE/FDUSD pairs on July 25 serves as a crucial reminder for all cryptocurrency traders: the market never stands still. While delistings are a normal part of exchange operations, they demand immediate attention and decisive action from affected users. By understanding the reasons behind such decisions and implementing proactive strategies—like converting assets or withdrawing them to secure wallets—you can safeguard your investments and maintain control over your crypto journey. Stay informed, stay agile, and always prioritize the security of your digital assets. Frequently Asked Questions (FAQs) What does a ‘delisting’ mean for a cryptocurrency trading pair? A delisting means that a cryptocurrency exchange, like Binance, will no longer support trading for a specific pair. After the announced date, users will not be able to place new buy or sell orders for that pair, and any existing orders will be canceled. The underlying assets (e.g., GPS or HIVE) may still be withdrawable or tradable against other pairs if available. What happens to my funds if I don’t act before the Binance delisting deadline? If you don’t convert or withdraw your GPS or HIVE tokens before the July 25 deadline for the FDUSD pairs, your open orders for those specific pairs will be canceled. While the tokens themselves won’t disappear from your Binance account immediately, you won’t be able to trade them against FDUSD. You would then need to check if they are tradable against other pairs on Binance, or if you can withdraw them to an external wallet that supports them. Can I still withdraw GPS or HIVE after July 25, 2024? Typically, Binance allows users to withdraw delisted tokens for a period after the trading cessation. However, the exact duration for withdrawals is usually specified in the official announcement or follow-up communications. It’s always best practice to withdraw your funds as soon as possible to a personal wallet if you don’t intend to trade them against other available pairs on the platform. Why is Binance delisting these specific GPS/FDUSD and HIVE/FDUSD pairs? Binance’s official announcement did not provide specific reasons for this particular delisting. However, common reasons for exchange delistings include low trading volume/liquidity, concerns about the project’s development or activity, regulatory compliance issues, or failure to meet the exchange’s ongoing listing standards. How can I stay updated on future Binance delistings or important announcements? The best way to stay updated is by regularly checking Binance’s official website announcements section. You can also follow their official social media channels and subscribe to reputable cryptocurrency news outlets that cover major exchange updates. Setting up notifications for these sources can help you react promptly to critical information. Did you find this article helpful in understanding the implications of the latest Binance delisting? Share it with your fellow crypto enthusiasts on social media to help them stay informed and prepared for market changes! To learn more about the latest crypto market trends, explore our article on key developments shaping Binance news and updates . This post Urgent Binance Delisting Alert: GPS/FDUSD & HIVE/FDUSD Pairs to Vanish first appeared on BitcoinWorld and is written by Editorial Team
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