Laser Digital, the digital asset arm of Japanese financial giant Nomura Holdings, has applied to the U.S. Office of the Comptroller of the Currency (OCC) for a national trust bank license, attempting to relocate its crypto and fintech operations entirely back to the United States amid a more relaxed regulatory environment in Washington. Sources have confirmed the application to The Block. If approved, a federal-level trust bank license would allow Laser Digital to operate nationwide without needing to apply for state-by-state custody licenses, but would not allow it to accept retail deposits. The report states that the company is also expected to offer spot cryptocurrency trading services. This move comes amid a new wave of crypto-native companies moving ashore. As U.S. policies become more inclusive, more institutions are seeking to integrate trading, custody, and settlement operations under a federal regulatory framework. The OCC typically grants national trust bank licenses with "conditional approval," requiring applicants to meet regulatory conditions regarding capital, governance, and compliance before commencing operations. Previously, World Liberty Financial, backed by Trump, stated it was seeking a national trust bank license to support the issuance and redemption of the USD1 stablecoin under a regulated entity. In addition, Circle, Ripple, BitGo, Fidelity Digital Assets, and Paxos have also received conditional approval from the OCC and are moving towards becoming federally regulated trust banks. (The Block)

A recent PayPal survey reveals that nearly 85% of surveyed merchants expect cryptocurrency payments to become commonplace within the next five years. The survey, conducted in late October 2025, covered approximately 620 "payment strategy decision-makers." The data shows that nearly 90% of merchants reported receiving inquiries from consumers about using cryptocurrency payments, with about 40% already supporting crypto payments at checkout. Among merchants accepting crypto payments, a significant portion indicated that crypto payments now account for more than a quarter of their total sales, and about three-quarters reported an increase in related sales over the past year. May Zabaneh, Vice President and General Manager of PayPal's Crypto Business, stated that crypto payments are moving from the experimental stage to everyday business applications, driven primarily by consumer demand for faster and more flexible payment methods. Once merchants begin adopting them, the real value will become apparent. In terms of scale, the adoption of crypto payments is primarily driven by large enterprises. Approximately 50% of companies with annual revenue exceeding $500 million already accept crypto payments, compared to 34% for small businesses and 32% for medium-sized businesses. Furthermore, approximately 90% of merchants indicated they would be willing to try encrypted payments if the experience and integration process were comparable to traditional bank card payments. This survey is closely related to the regulatory developments in stablecoins. Following the enactment of the GENIUS Act, the issuance and trading of stablecoins have received clear guidance. PayPal, as one of the earliest mainstream payment institutions to deploy stablecoins, is seeing its practices followed by more banks and fintech companies. (The Block)

Binance recently launched an ESPORTS trading competition with a total prize pool of $200,000. The leaderboard only tracks users' cumulative buy volume; sell transactions are not counted, thus encouraging participants to hold ESPORTS during the event period. While the trading competition is underway, Yooldo is accelerating the official launch of its first game, "Dungeon Log: Dagger Hit." This game is the first real-world application of the ESPORTS token after its issuance and recently completed its closed beta test, with 500 users participating and an average rating of 4.7 out of 5. According to the official plan, the game will be officially released in March. Compared to the test version, the official version will introduce a more complete growth system and richer gameplay mechanics, with ESPORTS and X402 being incorporated into the core design.

According to GMGN data, Solana Chain's Meme coin, Copperinus, surged over 160 times within a day, briefly pushing its market capitalization above $8 million. It is currently trading at approximately $7.97 million. Odaily reminds users that Meme coin prices are highly volatile, and investors should be aware of the risks.

On January 28, the Chicago Mercantile Exchange (CME) announced changes to the margin parameters for certain silver, platinum, and palladium futures contracts. According to BlockBeats, the notification was issued on January 27, local time. The document indicates that the new margin rates for some silver contracts will be higher than previous levels, approximately 11% of the nominal value. These new standards will take effect after the close of trading on January 28, local time. The announcement did not include any adjustments to gold-related contracts.

Jinse Finance launches its cryptocurrency and blockchain industry daily news bulletin, "Jinse at 8 AM," issue 2950, ​​providing you with the latest and fastest news on the digital currency and blockchain industry.

Russian authorities have discreetly imposed network-level restrictions on several international cryptocurrency media websites. According to NS3.AI, these measures have been implemented without any official announcements. The restrictions utilize Deep Packet Inspection technology and are inconsistently applied across various internet service providers, impacting approximately one in four crypto news platforms accessed from domestic networks. Unlike traditional centralized shutdown methods, these restrictions are not listed in public blacklists.

Morgan Stanley has named Amy Oldenburg to lead its digital asset strategy, marking a significant institutional interest in cryptocurrencies. According to NS3.AI, this strategic appointment coincides with the firm's initiatives to apply for Bitcoin and Solana ETFs and the introduction of a digital wallet. These actions indicate Morgan Stanley's readiness for anticipated shifts in digital asset legislation and the growing acceptance of stablecoins.

On Jan 27, 2026, 23:29 PM(UTC). According to Binance Market Data, BNB has crossed the 900 USDT benchmark and is now trading at 900.299988 USDT, with a narrowed 2.44% increase in 24 hours.

Jingliang Su, a Chinese national, has been sentenced to 46 months in prison for laundering nearly $37 million from cryptocurrency scams targeting American citizens. According to NS3.AI, the fraudulent scheme involved persuading victims to transfer funds into accounts managed by the scammers. These funds were then laundered through shell companies and converted into Tether (USDT). Last year, losses from cryptocurrency scams escalated to over $17 billion, with AI-driven impersonation scams witnessing a dramatic increase of 1400%.

Bitcoin miners in the United States have long faced challenges in gaining community acceptance despite having access to affordable power and industrial land. According to Cointelegraph, a similar scenario is unfolding for AI hyperscalers and developers as they rush to establish power-intensive data centers. These projects are encountering local resistance due to concerns over electricity demand, infrastructure costs, and environmental impact, as highlighted in the latest Miner Mag newsletter. The situation mirrors the experiences of Bitcoin mining projects, which often promised job creation and increased local tax revenue but failed to deliver, leading to opposition in various regions. AI data centers are now facing comparable scrutiny, particularly in states like Texas, Georgia, Illinois, and Mississippi, where residents and officials are questioning the long-term implications of hosting such energy-intensive infrastructure. Miner Mag notes that local governments and residents nationwide are no longer passively accepting assurances that AI infrastructure will differ from previous projects. In response, some communities are taking steps to temporarily halt new AI data center developments while officials review zoning regulations, backup generation plans, and the impact on local infrastructure. Industry data cited by Miner Mag indicates that approximately $64 billion in U.S. data center projects have been delayed or blocked due to local opposition. Companies such as Amazon, Meta, Microsoft, and Google-parent Alphabet have faced backlash against their proposed expansion plans, as shown by Data Center Watchdog. Amid growing local resistance, companies like Microsoft and OpenAI are adopting more community-focused infrastructure strategies to address the rising costs of power generation and grid upgrades linked to their data center projects. OpenAI has committed to covering its own energy costs for its expanding AI operations, signaling a shift toward greater accountability as communities and regulators scrutinize AI-driven electricity demand. Miner Mag points out that this approach is reminiscent of the Bitcoin mining industry, where companies often had to renegotiate power contracts and invest in mitigation measures to demonstrate community benefits. Simultaneously, Bitcoin miners have been transitioning toward AI and high-performance computing workloads for several years. Companies such as Hut 8, MARA Holdings, Riot Platforms, TeraWulf, and HIVE Digital Technologies have pursued this shift in response to increasing competition in the mining sector and tighter margins following the 2024 Bitcoin halving. The pressure in the Bitcoin mining industry has prompted more companies to pivot toward AI and high-performance computing.

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Bitcoin remained stuck below the $88,500 mark on Tuesday, extending its recent slump as investors piled into traditional safe havens, pushing gold briefly past a historic $5,000 an ounce and triggering wild swings in silver ahead of a pivotal Federal Reserve decision.