Category: News

Welcome to the US Crypto News Morning Briefing—your essential rundown of the most important developments in crypto for the day ahead. 

Grab a coffee to read how corporate players are rewriting the Bitcoin (BTC) playbook in real time. As traditional finance (TradFi) norms unravel, bold strategies are emerging to reshape corporate balance sheets and redefine what it means to go all in on digital assets, regardless of risk or reward.

Crypto News of the Day: Strategy Rips Up Rulebook on Path to 1 Million Bitcoin, Says Max Keiser

Strategy, now MicroStrategy, recently revealed a new offering called STRC, or “Stretch.” Marketed as a perpetual preferred stock with an initial 9% dividend, the product is explicitly designed to support the company’s goal of accumulating more Bitcoin.

Michael Saylor, executive chairman of Strategy, announced the IPO via X (Twitter), calling it a new lever for Bitcoin accumulation.

Strategy is offering $STRC (“Stretch”), a new Perpetual Preferred Stock via IPO, to select investors. $MSTR pic.twitter.com/LaQSrrMsEg

— Michael Saylor (@saylor) July 21, 2025

Strategy’s post echoed the same language, reaffirming that net proceeds will go toward general corporate purposes, including acquiring Bitcoin.

That mission, however, was punctuated more dramatically in an exclusive comment to BeInCrypto by Bitcoin evangelist Max Keiser.

“Strategy is committed to 1 million Bitcoin by any means necessary. They’re tearing up the corporate finance rule book and charging hell-bent for leather to the 1 million Bitcoin promised land,” Keiser told BeInCrypto.

Morgan Stanley, Barclays, Moelis & Co., and TD Securities are joint bookrunners, signaling strong institutional coordination.

However, Keiser’s comment cuts through the finance speak, articulating that MicroStrategy does not want more Bitcoin. Rather, it wants all the Bitcoin.

This aggressive tone is consistent with Strategy’s decade-long shift from an enterprise software firm to a Bitcoin holding company.

Meanwhile, even as the firm progressively pivots to BTC, analysts say the firm could trigger a Bitcoin cascade worse than Mt. Gox or Three Arrows Capital.

MARA Raises $850 Million to Double Down on Bitcoin

MARA Holdings, the world’s largest public Bitcoin miner, is joining the Bitcoin accumulation wave. The firm revealed a $850 million private offering of convertible senior notes due in 2032.

MARA Holdings, the world’s largest public bitcoin miner, raises $850 million to continue buying bitcoin. MARA Holdings currently holds more than 50k BTC. pic.twitter.com/ZxeujEwGFk

— Wu Blockchain (@WuBlockchain) July 23, 2025

The move signals continued strategic conviction in Bitcoin as a treasury reserve and a core asset in the company’s business model. The offering consists of 0.00% convertible senior notes, with an option for initial purchasers to buy an additional $150 million.

Redemption terms kick in from January 2030, and the company has embedded multiple mechanisms to manage dilution.

MARA intends to use the bulk of the proceeds to buy additional Bitcoin and fund general corporate purposes. This raise highlights MARA’s role as a miner and digital asset treasury operator.

Like Strategy, MARA is positioning itself to amass more Bitcoin while fortifying its balance sheet against future market disruptions.

$BTC is up by $11.4K since Q3 started which means that $MARA is already sitting on over $573 Million Quarterly Net Profit

Bitcoin increased by $24.6K in Q2 which will result in nearly $1.2 Billion in FASB GAAP Net Profit when MARA reports earnings on July 29 @ 5pm

HODL MATTERS https://t.co/9cHSPK8YAQ pic.twitter.com/Z4JYGxdKKc

— Cryptoklepto (@CK_Cryptoklepto) July 23, 2025

Data on Bitcoin Treasuries shows MARA is a distant second among public corporate holders of BTC, holding 50,000 tokens.

Meanwhile, as of this writing, MicroStrategy is the largest holder, with a 607,770 portfolio valued at $71.80 billion.

Chart of the Day

Byte-Sized Alpha

Here’s a summary of more US crypto news to follow today:

• Tether expands beyond stablecoins as profit fuels 120+ investments.
• 21Shares seeks SEC nod to launch Ondo ETF.
• Bitwise sees a $20 billion institutional surge ahead for Ethereum.
• Solana rises 20% in a week, but an analyst warns of a LUNA-like breakdown ahead.
• Wall Street is set to benefit as in-kind crypto ETF redemptions gain momentum.
• Coinbase teases 3 new altcoin listings, market reacts with price jumps.
• Public companies’ Bitcoin bet: Can they weather the bear market storm?
• BNB price hits new all-time high; 2021 pattern signals altcoin season is imminent.
• Should investors buy low-cap altcoins in Q3 2025? Analysts weigh in.

Crypto Equities Pre-Market Overview

Company	At the Close of July 22	Pre-Market Overview
Strategy (MSTR)	$426.40	$425.74 (-0.15%)
Coinbase Global (COIN)	$404.44	$405.50 (+0.26%)
Galaxy Digital Holdings (GLXY)	$29.11	$29.90 (+2.71%)
MARA Holdings (MARA)	$19.88	$18.86 (-5.33%)
Riot Platforms (RIOT)	$14.27	$14.13 (-0.98%)
Core Scientific (CORZ)	$13.48	$13.60 (+0.89%)

The post Max Keiser Says MicroStrategy Is ‘Tearing Up the Rulebook’ to Reach 1M Bitcoin | US Crypto News appeared first on BeInCrypto.

Spark (SPK) price just ripped over 90% in a day and printed a new all‑time high at $0.121 on July 23. The Ignition airdrop buzz is still lifting sentiment, but the short‑term charts are asking for one more clean push before price can extend.

The focus now is on whether supply is coming back to exchanges, whether momentum can actually beat its last peak, and where the next support will be. This matters for anyone tracking Spark Price action or the broader Spark Token narrative.

Exchange Inflows Say Profit‑Taking Risk Is Real

When a token nearly doubles in 24 hours, the first question is: Are holders starting to send coins to exchanges to sell? That is why the hourly netflow chart matters here.

SPK netflows have stayed positive through the run, which means deposits are still outpacing withdrawals while price is elevated.

Prices have already slipped a bit, so if inflows keep building, those extra coins on exchanges can become sell orders fast.

Netflow simply tracks tokens moving in or out; persistent inflows while price stalls usually hint that a pullback is on deck, even inside a bullish trend.

RSI Has to Lead for the Breakout to Stick

We analyse the 1‑hour Relative Strength Index (RSI) because this move is news‑driven and momentum shifts quickly at that scale. Plus, the hourly view can help foresee any trend before it moves to the daily or even the 4-hour timeline.

Last time, between July 21 and 22, RSI made a higher high right as price nudged up, and that alignment kicked off the bigger rally.

Right now, Spark Price is hugging the top of an ascending wedge, but RSI is stuck around 80 without taking out its last peak. Price zone is the same, but the momentum is weaker.

For token TA and market updates: Want more token insights like this? Sign up for Editor Harsh Notariya’s Daily Crypto Newsletter here.

If RSI cannot print a higher high with price, a dip is more likely to occur.

RSI (Relative Strength Index) scores the strength of recent moves from 0 to 100; when price is flat or rising but RSI fades, momentum is not backing the push.

SPK Price Action: $0.124 Is the Trigger

The upper edge of that wedge lines up almost perfectly with the 0.618 mark of a trend‑based Fibonacci extension near $0.124, giving a clean validation level for Spark Token traders.

SPK has failed there twice. It has already slipped from $0.117 to about $0.111, so $0.110 is the first level bulls need to defend.

Lose it, and price might gravitate to $0.101, the earlier swing high used to anchor the Fib.

Below that sits $0.087 (the 0 Fib line). The broader bullish structure survives above that zone, but if SPK breaks under it, $0.070 comes into play and the uptrend weakens.

Flip side: a clean hourly close above $0.124, with RSI breaking higher and hourly inflows cooling, would clear the path for continuation and another all‑time high in SPK Price.

The post Spark (SPK) Eyes Pattern Breakout, but a New All-Time High Might Have to Wait appeared first on BeInCrypto.

After a strong 26% gain over the past week, Pudgy Penguins (PENGU) is now hovering just below a crucial resistance level.

While much of the altcoin market cools down, PENGU price looks poised to break out. Only if it can push past one key wall. A deeper look at bullish strength, liquidations, and price charts shows the token might still have room to run.

PENGU Bulls Are In Complete Control

Even though PENGU dropped around 2% in the past 24 hours, the bulls still seem to be holding the reins. The Bull-Bear Power (BBP) index, which compares recent highs and lows to measure market strength, is currently flashing green, at around 0.0148. This level suggests buyers still have the upper hand, despite a short-term dip.

For token TA and market updates: Want more token insights like this? Sign up for Editor Harsh Notariya’s Daily Crypto Newsletter here.

In simple terms, when BBP is positive, bulls are stronger than bears. And Pengu’s BBP has remained above zero since late June, even as prices hovered below key resistance. That steady strength could be a sign that any dip is just part of a cooldown before another leg up.

If BBP stays positive while price climbs past resistance, it might confirm that PENGU still has momentum. But if BBP flips negative, it could warn of a deeper pullback ahead.

7-Day Liquidation Map Shows Short-Biased Setup

PENGU is currently trading around $0.036. The 7-day liquidation map shows cumulative short liquidation leverage building up to $10.46 million versus $10.18 million for longs; a slight bias toward short positions. Do note that there isn’t much to choose between Longs and Shorts, and a price push in either direction can decide the next leg for PENGU.

However, as bulls are in power and that too by a sizable margin, as established by the BBP index, the price action could impact the short positions more than the long.

If the price crosses $0.039, led by bulls breaking key resistance level, and even nears $0.042, a major liquidation cluster of shorts gets triggered. That would reduce downward pressure and potentially propel the PENGU price to the next key price level.

The liquidation map shows a build-up of short positions; if PENGU’s price moves up fast, those betting against it may be forced to buy back, pushing the price even higher.

PENGU Price Action Hints at a 38% Upside

Technically, the PENGU price has tested the 0.382 Fibonacci level near $0.039 twice and failed to break above cleanly. It now trades just under that resistance. Do note that besides the Fib extension resistance, a key resistance of $0.037 also exists.

The chart uses the Trend-based Fibonacci extension tool. It connects the swing low of $0.0077 to the last swing high of $0.035 and then to the immediately retraced price level of $0.028. This tool helps chart the next price targets for a coin/token in an uptrend.

If PENGU price manages a clean breakout above $0.037, $0.039, and then $0.042 (the 0.5 Fib zone), it opens the path to $0.045 first, a 25% surge. If that breaks, the next key resistance point, or rather target, would be $0.050, the 0.786 Fibonacci level. That would be a 38% rally from current prices around $0.036.

Validation for this move comes from declining bear power, building short positions, and strong chart structure. The bullish trend would get invalidated if PENGU breaks the $0.035 resistance-turned-support. Or if it continues to drop to touch the retracement zone of the Fibonacci extension: the $0.028 mark.

The post PENGU Could Rally 38% if One Key Price Resistance Breaks appeared first on BeInCrypto.

XRP recently hit a new all-time high before entering a period of sideways consolidation. The cryptocurrency has struggled to break past resistance but has also managed to avoid a major correction. 

This equilibrium, however, may not last much longer as investor behavior signals a shift in momentum.

XRP Investors Are Not Confident

Investors have started selling off large amounts of XRP, suggesting declining confidence in further upside. Over the past week, exchange wallets saw an influx of nearly 450 million XRP, valued at more than $2.81 billion. This spike in supply indicates that holders are moving their assets to sell, usually a bearish indicator in market cycles.

The rapid profit booking appears to be fueled by concerns that XRP has peaked in the short term. As investors move to secure their gains, the pressure on XRP’s price increases. A continued rise in selling could result in a drop below the immediate support levels, making recovery more difficult.

On-chain data further confirms the bearish sentiment. Liveliness, a metric used to track long-term holder (LTH) behavior, is currently at a three-month high. This suggests that LTHs, typically known for their conviction and market influence, are now selling XRP.

Their shift in behavior is a strong indicator of potential downward pressure.

Historically, an uptick in Liveliness precedes market corrections. Since LTHs hold a large portion of the supply, their decisions significantly impact price trends. The increase in Liveliness reflects a broader change in market outlook, aligning with the recent surge in exchange supply and overall decline in bullish sentiment.

Can XRP Price Form Another ATH?

XRP is currently trading at $3.48, only 4.8% away from its all-time high. Despite the proximity, the altcoin is showing signs of weakness and is clinging to the $3.38 support level. Without renewed buying interest, this support may not hold much longer.

If investor selling continues, XRP could fall through $3.38 and test the $3.00 support. A drop to this level would erase the recent gains and confirm a near-term bearish reversal. The loss of $3.00 could signal a longer consolidation phase or deeper correction.

However, if market participants absorb the sold supply and restore demand, XRP could rebound quickly. In this scenario, the altcoin might surpass $3.66, breach $3.80, and aim for $4.00. Such a move would invalidate the bearish outlook, and XRP Price could form a new ATH.

The post XRP Price Reversal Likely After $2.81 Billion Selling in 7 Days appeared first on BeInCrypto.

Polymarket, the crypto-powered prediction platform, is considering the launch of a custom stablecoin to capture yield from reserve assets. 

The move would shift the platform’s reliance away from Circle’s USDC and give Polymarket direct control over the interest-bearing collateral backing user bets.

Polymarket To Enter the US Stablecoin Market?

According to several reports, the firm is still deciding between issuing its own stablecoin or accepting a revenue-sharing arrangement with Circle. No final decision has been made.

The motivation is reportedly financial. Polymarket holds a large volume of USDC, but currently, Circle collects the yield from those backing reserves. 

By issuing its own dollar-pegged token, Polymarket could monetize this flow internally.

The amount of USDC on the platform fluctuates with market activity. During the 2024 US election cycle, over $8 billion in bets were placed. 

The news follows Polymarket’s efforts to reenter the US market through the acquisition of crypto exchange QCEX. This comes after the DOJ dropped its investigation into the company related to unlicensed access by American users.

Meanwhile, Polymarket’s potential move mirrors a broader trend.

As the GENIUS Act became law last week, several US banks—including JPMorgan and Bank of America—have begun exploring or developing their own tokenized dollars. 

These bank-issued stablecoins aim to compete with Circle’s USDC and Tether’s USDT in both consumer and institutional settings.

By launching a platform-native stablecoin, Polymarket could join a growing list of fintech and financial players seeking to vertically integrate token issuance, reserve management, and platform economics.

Still, regulatory risk remains high. Any new issuance would likely require compliance with US stablecoin regulations and potential oversight under the GENIUS Act framework.

For now, Polymarket is still exploring its options. But the decision could have major implications for the prediction market’s revenue model—and for the broader stablecoin ecosystem.

The post US Predictions Platform Polymarket Could Launch Its Own Stablecoin appeared first on BeInCrypto.

President Trump announced a massive trade agreement with Japan, calling it “perhaps the largest Deal ever made.”

“We just completed a massive Deal with Japan, perhaps the largest Deal ever made,” Trump wrote in a post on Truth Social.

Japan will invest $550 billion in the US and face 15% tariffs on imports while opening its markets to American automobiles and agricultural products. The yen initially rose on the news.

The agreement requires Japan to expand market access for American cars and farm products, though Trump provided no additional specifics. Full details of the tentative Japanese deal remain unclear. Trump has a pattern of announcing broad trade frameworks first, with the White House typically releasing comprehensive terms in the following days or weeks as negotiations are finalized.

President Trump also announced a trade agreement with Philippine President Ferdinand Marcos Jr. following their Tuesday White House meeting. The deal sets U.S. tariffs on Philippine goods at 19%, down from a previously threatened 20% rate starting August 1. In exchange, the Philippines will maintain open markets with zero tariffs on U.S. imports.

Trump praised the agreement on Truth Social, calling Marcos’ visit “beautiful” and describing him as a “very good, and tough, negotiator.” The framework also includes military cooperation between the treaty allies.

Marcos, the first Southeast Asian leader to meet with Trump in his second term, emphasized the relationship’s importance amid rising tensions with China in the South China Sea. However, specific economic impact details of the preliminary agreement remain unclear.

The agreement with Philippines marks Trump’s fourth such deal following the UK, Vietnam, and Indonesia.

This is a developing story.

The post Trump Announces Trade Deals with Japan and Philippines appeared first on BeInCrypto.

Twitter Co-Founder, Jack Dorsey’s Square, has started onboarding merchants to its new Bitcoin acceptance feature. This is a significant step toward Bitcoin payments in the retail industry. 

The rollout will allow participating businesses to accept Bitcoin using Square’s existing point-of-sale terminals, with transactions settled via the Lightning Network.

Bitcoin To Enter the US Retail Sector

This move follows months of internal development and testing. Merchants can now choose to receive Bitcoin directly or convert it to dollars at the point of sale. 

The integration uses Square’s existing infrastructure, requiring no additional hardware.

boom.

today we’re onboarding our first few @Square sellers for the new native bitcoin acceptance experience

this is the way!

— OBJ (@owenbjennings) July 22, 2025

Square, a business unit of Block, serves over 4 million sellers and processes more than $200 billion in annual payment volume. The scale of this merchant base positions Square as a potential catalyst for mainstream Bitcoin use in US commerce.

Bitcoin adoption at the business level has remained limited despite growing institutional interest. 

Meanwhile, Square’s integration removes many past hurdles, including high fees, slow confirmations, and volatility risk. It offers a near-instant, low-cost payment experience while keeping Bitcoin in its native form.

Also, the development comes during a strong Bitcoin bull cycle. The asset trades above $118,000 after hitting new highs in 2025, driven by ETF inflows and growing institutional demand. 

Square’s merchant feature could extend that momentum to the consumer economy.

Jack Dorsey, a vocal Bitcoin advocate, has long supported the idea of Bitcoin as a native internet currency. The ability to use BTC for everyday purchases, without needing third-party apps or conversion steps, brings that vision closer to reality.

If adoption scales, this could mark a shift from speculative use to real-world utility. Bitcoin would transition from a store of value to medium of exchange. This was an early goal of Satoshi’s whitepaper.

For now, Square’s merchant rollout is limited, with broader availability expected in 2026. But the onboarding has begun. 

And with it, Bitcoin may be taking its first practical steps into everyday US retail.

The post Jack Dorsey’s Square Begins Onboarding Merchants for Bitcoin Payments appeared first on BeInCrypto.

Pi Coin is showing strong signs of recovery after breaking free from a two-month-long downtrend. 

The altcoin is now benefiting from improving market sentiment, especially as signs of an approaching altcoin season grow stronger. This momentum could position Pi Coin for a major price surge.

Pi Coin Is Receiving Market Support

At the time of writing, Pi Coin’s Bollinger Bands are converging. This technical pattern typically signals incoming volatility, and the last similar event occurred in May. Back then, Pi Coin recorded a massive 114% price increase shortly after the bands widened. A repeat of this move would depend on the broader crypto market’s direction.

Currently, as Bitcoin consolidates and Ethereum leads altcoins upward, conditions favor another bullish breakout for Pi Coin. The tightening Bollinger Bands are hinting at imminent movement, and with sentiment leaning bullish, the next wave of volatility may well push Pi Coin higher once again.

For token TA and market updates: Want more token insights like this? Sign up for Editor Harsh Notariya’s Daily Crypto Newsletter here.

The macro indicators also align with a bullish forecast. The Chaikin Money Flow (CMF) is trending upward, indicating capital inflow into Pi Coin. This inflow suggests that investors are gaining confidence and could be positioning themselves ahead of a possible altcoin rally.

As money enters the ecosystem, Pi Coin benefits from renewed market participation and rising demand. These factors often precede price breakouts and are especially influential when combined with technical signals of volatility.

Can PI Price Bounce Back?

Pi Coin is currently trading at $0.47 after consolidating sideways for several days. This consolidation has worked in its favor, helping the altcoin escape its two-month downtrend. Investors are now watching closely for the next resistance to be broken.

Despite being only 15% from its all-time low of $0.40, the technical indicators suggest this support will hold. If Pi Coin can flip $0.45 into a reliable support level, it could initiate a rally toward $0.51 and beyond, especially if the altcoin season intensifies.

However, if holders begin to exit their positions prematurely, Pi Coin could slip back toward $0.40. Such a move would invalidate the bullish scenario and place the altcoin at risk of retesting its historical low.

The post Could Pi Coin Repeat History With a 114% Price Rally? Here’s What to Expect appeared first on BeInCrypto.

Spark (SPK), the cryptocurrency native to the Spark decentralized finance (DeFi) protocol, has seen its value rise by approximately 100% over the past week amid increasing anticipation of the second phase of the Ignition airdrop.

In addition to the price surge, the protocol has also experienced significant growth, with its Total Value Locked (TVL) reaching an all-time high (ATH).

Why is Spark (SPK) Price Surging?

BeInCrypto data showed that SPK’s price has increased around 100% over the past week, reaching highs that were last seen when it launched. The token’s market capitalization has also doubled from around $30 million to over $62 million.

Over the past day alone, the price has appreciated 45.73%, bringing SPK to trade at $0.061. The trading volume also highlighted strong investor activity as it surged 403.90% to $486 million.

The surge in activity seems to be primarily driven by the project’s airdrop. Phase 1 of the airdrop, which allows users to claim tokens, concludes today. 

The next phase, ‘Overdrive,’ is also nearing a critical deadline. During this phase, participants have the opportunity to qualify for a second airdrop.

“Overdrive is for the ones who staked, stayed & believed. It’s the 2nd phase of the airdrop, where you can stake your SPK via @symbioticfi and get a share of the unclaimed Ignition SPK,” the protocol posted.

According to the official announcement, users must stake their Ignition airdrop by July 29, 2025, and maintain it until August 12, 2025, to get rewarded. Additionally, those who save at least $1,000 in USDS or USDC continuously during this period can earn a 2x boost on their Overdrive units.

The staking requirement, a critical component of the Overdrive initiative, appears to be a significant factor behind the recent price pump as users rush to meet the deadline. Staking tokens reduces the circulating supply.

This, in turn, puts upward pressure on the price. The excitement surrounding the airdrop could also be boosting market sentiment, leading to more interest in the token. This likely explains SPK’s latest behaviour.

However, once the staking period ends and the tokens are distributed, some recipients might sell them. This could create selling pressure and possibly lower the price in the short term after August 12. A similar pattern was observed when the token launched in June.

Despite this, some analysts are increasingly optimistic about SPK’s prospects.

“There’s still plenty of room for growth. I believe Spark’s growth trajectory could see it hit $0.10 – $0.15 within the next year, potentially even reaching $0.50 or more in the next two to three years as it expands its partnerships, explores cross-chain opportunities, and develops new DeFi products,” an analyst predicted. 

Spark TVL Hits All-Time High

Meanwhile, growth isn’t just limited to price. According to DefiLama data, Spark’s TVL reached a new peak of $8.15 billion today.

The platform’s products, such as Spark Savings offering a 4.5% APY, and SparkLend, which now holds $4.9 billion in TVL, are leading the charge. 

The Spark Liquidity Layer (SLL), responsible for managing liquidity, also has $3.98 billion in allocated assets. Furthermore, Token Terminal data showed that the value of active loans across the market reached a new high in July. Notably, Spark ranks third alongside Aave and Morpho as a leader in this space.

These metrics highlight the growing demand for decentralized solutions and the role that platforms like Spark play in supporting the broader DeFi ecosystem.

The post Spark (SPK) Price Doubles in a Week: How Airdrop Phase 2 is Driving the Price Rally appeared first on BeInCrypto.

JPMorgan Chase is reportedly considering offering loans backed by bitcoin and ethereum holdings, potentially marking a first among major US banks.

This move comes as regulators clarify that banks may offer digital asset services if they meet strict compliance standards.

JPMorgan’s Potential Crypto Lending Initiative in Focus

According to The Financial Times, JPMorgan is exploring loans secured by clients’ crypto assets. Although the plan is in early stages, industry experts call it a significant development.

JPMorgan may launch these crypto‑backed loans as soon as next year, the report said.

If it moves forward, customers could use Bitcoin, Ethereum, or similar assets as collateral for loans. While discussions are ongoing, no launch date or official confirmation appears on JPMorgan’s website.

This step could reshape how digital assets interact with traditional banking. Fintech startups already offer crypto-backed loans, but when trusted names like JPMorgan explore the space, mainstream acceptance may accelerate. Interest in crypto custody and lending is growing among large institutions.

The latest development comes as the bank recently revealed plans to launch JPMD, a deposit-based token on the Base blockchain, beginning with a pilot program. In May, JPMorgan also announced that the bank will facilitate client purchases of digital assets.

JPMorgan’s crypto involvement reflects a broader industry trend as US banks adapt to clearer rules. Now, traditional institutions are pursuing services once limited to crypto-native firms.

Regulatory Shifts Open the Door for Banks

The ability for banks to provide crypto-collateralized loans depends on regulatory guidelines. In April 2025, the Federal Reserve revised its approach, removing major barriers for national banks.

The Federal Reserve’s announcement confirms that prior requirements for explicit approval of crypto activity were dropped. As a result, banks may now offer crypto services as long as they uphold safety and compliance.

Similarly, the Office of the Comptroller of the Currency (OCC) affirmed in March 2025 that national banks may handle crypto custody and related activities. The OCC noted that these ventures, including crypto-collateralized lending, are permitted only with strict risk controls and routine regulatory oversight.

No explicit restrictions for crypto-backed loans exist today, but each bank must notify regulators and demonstrate strong risk management. This new flexibility allows well-funded institutions to pilot digital asset services.

Mainstream banks now hold advantages over newer crypto lenders. With established custody operations and rigorous compliance standards, they may offer lower rates or greater safety to clients seeking crypto-backed loans.

The post JPMorgan Eyes Crypto-Backed Loans as US Regulators Ease Rules appeared first on BeInCrypto.