According to PANews, the cryptocurrency sector is transitioning from infrastructure development to offering 'new banking' style applications, emphasizing payments, lending, and stablecoins. Projects like Polygon and ether.fi are integrating on-chain self-custody features with traditional financial experiences, aiming to provide banking-like products without requiring users to understand the underlying technology. Messari highlights that while this trend holds significant potential, there is currently a high degree of similarity among crypto cards and payment products. Industry experts generally believe that genuine user growth will stem from on-chain native, composable financial experiences.

According to BlockBeats, Ark Invest analyst and portfolio manager David Puell has highlighted a shift in Bitcoin's next phase, emphasizing that investor participation will depend more on the proportion of exposure they are willing to allocate and the investment tools they choose to engage with, rather than merely believing in the asset. With the introduction of spot Bitcoin ETFs in 2024 and the rapid development of digital asset treasury strategies, Bitcoin has crossed a significant threshold into institutional maturity. The combined holdings of ETFs and digital asset treasuries now account for approximately 12% of Bitcoin's total supply, exceeding expectations and becoming a major driver of price trends by 2025, a trend likely to continue into 2026. As the amount of Bitcoin absorbed by ETFs and corporate treasuries surpasses expectations, the market is entering a more institutionalized phase with reduced volatility. Ark Invest remains confident in its long-term valuation framework for Bitcoin. Based on Ark's published valuation model, predictions for Bitcoin's price by 2030 include approximately $300,000 in a bear market scenario, around $710,000 in a baseline scenario, and up to $1.5 million in a bull market scenario. David Puell stated that driven by the 'digital gold' narrative and institutional adoption, the company still expects Bitcoin to reach between $300,000 and $1.5 million by 2030. Puell also noted that as volatility decreases and the extent of pullbacks narrows, Bitcoin may become increasingly attractive to investors with lower risk appetites in the next cycle.

According to data from msx.com, at the opening of the US stock market, the Dow Jones Industrial Average rose 0.29%, the S&P 500 rose 0.61%, and the Nasdaq Composite rose 0.89%. The crypto sector generally saw a pullback, with Solana falling 2.29%, Coinbase falling 2.27%, Circle falling 1.99%, SharpLink falling 1.66%, Strategy (MSTR) falling 1.08%, and Bitmine falling 0.10%. msx.com is a decentralized RWA trading platform that has listed hundreds of RWA tokens, covering US stock and ETF tokens such as AAPL, AMZN, GOOGL, META, MSFT, NFLX, and NVDA.

Lemon, Argentina's second-largest cryptocurrency exchange, has launched the first Visa credit card backed by Bitcoin. Continue Reading: Lemon, Argentina’s Second-Largest Cryptocurrency Exchange, Launches Bitcoin-Backed Credit Card! Here Are the Details source: https://en.bitcoinsistemi.com/lemon-argentina-s-second-largest-cryptocurrency-exchange-launches-bitcoin-backed-credit-card-here-ar/

아르헨티나에서 두 번째로 큰 암호화폐 거래소인 레몬(Lemon)이 비트코인을 담보로 하는 최초의 비자 신용카드를 출시했습니다. 계속 읽어보세요: 아르헨티나에서 두 번째로 큰 암호화폐 거래소인 레몬(Lemon)이 비트코인 기반 신용카드를 출시합니다! 자세한 내용은 다음과 같습니다 source: https://kr.bitcoinsistemi.com/lemon-argentinas-second-largest-cryptocurrency-exchange-is-launching-a-bitcoin-backed-credit-card-here-are-the-details/

Pakistan has signed a memorandum of understanding with SC Financial Technologies, an affiliate of Trump-linked World Liberty Financial, to test its USD1 stablecoin in cross-border payments. The firm will work with Pakistan’s central bank on integrating USD1 into regulated digital payment infrastructure. source: https://coinpaprika.com/news/pakistan-integrates-world-liberty-usd1-stablecoin

A trader on the decentralized, crypto-oriented prediction platform Polymarket has managed to generate approximately $100,000 in profit on the same day they joined, showing how short-term mispricing can drive outsized returns. Going by hai15617, the trader placed ten predictions shortly after registering on January 14. While several of those positions resulted in losses, one bet on Bitcoin (BTC) produced a profit of $99,779, with an 887% return.  The gain was more than enough to offset the previous losses, leaving the trader with approximately $92,300 in overall net profit at the time source: https://finbold.com/this-is-one-of-the-most-profitable-strategies-on-polymarket/

Brian Armstrong and crew stated that they cannot support the draft bill in its current state, leading to a delay in today's scheduled markup. source: https://decrypt.co/354713/morning-minute-coinbase-withdraws-support-of-clarity-act-markup-delayed

According to Foresight News, Polygon Labs CEO Marc Boiron announced on social media that the company is undergoing a restructuring process following the acquisition and integration of Coinme and Sequence teams. This strategic adjustment involves the elimination of certain overlapping positions to facilitate the company's transition into a blockchain firm focused primarily on payments. Boiron emphasized that the changes are structural and not related to employee performance issues. Despite these adjustments, the overall headcount is expected to remain stable, with a shift in expertise towards payments, wallets, and blockchain infrastructure. Previously, on December 13, Polygon Labs acquired cryptocurrency payment infrastructure Coinme and blockchain development platform Sequence for $250 million.

According to the announcement from Binance, the cryptocurrency exchange is set to expand its offerings by introducing Fogo (FOGO) across various trading platforms. Starting from 2026-01-15 14:00 (UTC), FOGO will be available on Binance Simple Earn, "Buy Crypto", Binance Convert, Binance Margin, and Binance Futures. Users will be able to subscribe to FOGO Flexible Products on Binance Simple Earn, allowing them to earn rewards on their holdings. Additionally, the "Buy Crypto" feature will enable users to purchase FOGO using payment methods such as VISA, MasterCard, Google Pay, and Apple Pay, or through account balances, within an hour of its listing on Binance Spot. Binance Convert will facilitate trading FOGO against BTC, USDT, and other tokens at zero fees shortly after its listing. On the margin trading front, FOGO will be added as a borrowable asset on both Cross and Isolated Margin, with trading pairs FOGO/USDT and FOGO/USDC available from 2026-01-15 14:00 (UTC). The Portfolio Margin will also support these pairs, enhancing trading flexibility for users. Binance Futures will transition the USDⓈ-M FOGO Perpetual Contract from pre-market trading to standard contracts at the same time, with a transition period that may last up to three hours. This transition aims to stabilize the index price, ensuring smooth trading operations. The perpetual contract will support Multi-Assets Mode, allowing users to trade across multiple margin assets, such as using BTC as margin. Binance emphasizes the importance of risk management strategies due to the volatility of newly listed tokens. The perpetual contract will be available for Futures Copy Trading within 24 hours of launch, subject to Binance's terms and conditions.

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