Standard Chartered says U.S. banks could lose more than $500 billion in deposits to dollar-backed stablecoins by the end of 2028, with regional banks most at risk. The shift is driven by faster, easier stablecoin payments and growing demand for yield, which is pulling money away from traditional bank accounts.

A former U.S. Securities and Exchange Commission lawyer has publicly backed Ripple’s argument that speculation alone should not automatically subject cryptocurrencies to federal securities laws, weighing in on a growing regulatory battle as lawmakers debate the CLARITY Act and the future of U.S. crypto oversight.

On January 28, BitMine has increased its Ethereum holdings by staking an additional 113,280 ETH. According to BlockBeats On-chain Detection, this move adds to their already substantial stake. BitMine has now staked a total of 2,265,984 ETH. This significant investment underscores their commitment to Ethereum and its potential in the cryptocurrency market.

Notion has announced the completion of a private equity tender offer totaling approximately $270 million, valuing the company at $11 billion. According to PANews, the transaction involved new investor Singapore's sovereign wealth fund GIC, along with existing investors Sequoia Capital and Index Ventures, who acquired shares directly from current and former employees. The company stated that the acquisition aims to provide financial liquidity for employees, supporting their long-term development and life planning. To facilitate this, Notion has removed the one-year vesting period for employee options, allowing nearly all employees to participate. In 2025, Notion experienced accelerated growth due to the adoption of AI features, with over 50% of its annual recurring revenue by year-end coming from AI clients, a figure that doubled over the past year. Recently, the company opened an office in Singapore to support its rapid expansion in the Asia-Pacific region.

ERC-8004, a smart contract standard for enabling trustless AI agent communication on Ethereum, is expected to be officially deployed to the Ethereum mainnet this Thursday. Marco De Rossi, head of MetaMask AI, stated in a developer Telegram group that further development of ERC-8004 has been "frozen," with a mainnet launch planned for mid-week (likely Thursday at 9 AM ET). The official Ethereum X account subsequently confirmed that the protocol will be launched on the mainnet "soon." ERC-8004 (Ethereum Request for Comment) proposes a standardized method for registering and verifying AI agents on-chain, allowing developers to directly integrate them into smart contracts without upgrading the Ethereum network itself. This standard aims to address two core issues in the AI ​​agent economy: how to discover AI agents in an open environment and how to determine their trustworthiness. By introducing portable reputation and discovery mechanisms, ERC-8004 allows AI agents across organizations to interact without prior trust, thus supporting an open agent economy. Davide Crapis, head of AI at the Ethereum Foundation, stated that Ethereum possesses the unique platform characteristics to "secure and settle AI-to-AI interactions." Developers also revealed that the standard will support Ethereum Layer 2 networks such as Base in the future. With the release of ERC-8004, AI agents are expected to evolve from isolated tools into on-chain participants with autonomous economic behavior, laying the foundation for a decentralized AI services market. (Cointelegraph)

According to the announcement from Binance, the platform is introducing two exclusive promotions aimed at enhancing user engagement with Binance Convert. The promotions, which run from 2026-01-28 00:00 (UTC) to 2026-02-24 23:59 (UTC), offer a total of 27,500 USDC in token vouchers to eligible participants. **Promotion A: Accumulate BTC and Share 25,000 USDC** During the promotion period, users who register via the landing page and accumulate Bitcoin through Binance Convert can participate in Promotion A. Each week, the top 500 users with the highest BTC accumulation will share a reward pool of 5,000 USDC, with a cap of 10 USDC per user. Additionally, a bonus task allows winners from weeks 1 to 4, who trade BTC token pairs on at least 14 different days via Convert Recurring, to share an extra 5,000 USDC, also capped at 10 USDC per user. **Promotion B: First Trade Rewards** Promotion B targets new Binance Convert users who have not previously used the Convert Recurring feature. The first 500 eligible users who convert at least 25 USDC equivalent of any tokens within the first seven days after their initial deposit will share a 2,500 USDC reward pool, capped at 5 USDC per user. Participants must register their participation and complete the relevant trades during the promotion period to qualify for rewards. Trades executed outside the specified period or through certain methods, such as API trades or stablecoin conversions, will not count. Binance reserves the right to disqualify any participants engaging in prohibited activities, such as wash trading or market manipulation. Rewards will be distributed within two weeks after the promotion ends, and users must claim their vouchers within 60 days of distribution.

加密世界或许时常令人糟心，但它依然值得热爱，依然值得为之建设。

Citi Bank has projected that silver prices could rise significantly, reaching $150 per ounce by the end of this year. This prediction comes amid growing interest in precious metals as investors seek safe-haven assets in uncertain economic times. Crypto Rover posted on X, highlighting the bank's optimistic outlook for silver, which is currently trading at much lower levels. The forecast suggests a potential surge in demand driven by factors such as inflation concerns and geopolitical tensions, which could contribute to the upward trend in silver prices. Investors and market analysts are closely monitoring these developments, as they could have substantial implications for the commodities market.

According to on-chain analyst Ember, HYPE rose from $22 to $33 in the past day. Whale Laurent Zeimes (0x8def...2dae) opened a long position of 1.227 million HYPE tokens with 5x leverage when HYPE was at a low of $22.37, with a position valued at $27.46 million. With the price of HYPE reaching $33, this long position is currently showing a profit of $13.03 million.

Manus AI has announced the integration of Anthropic's Agent Skills open standard. According to Foresight News, Agent Skills is an innovative approach that packages expertise, workflows, and best practices into reusable, file system-based resources. Manus stated that within the Manus AI ecosystem, Skill and MCP (Model Context Protocol) are two technologies with different objectives but complementary capabilities.

PANews posted on X (formerly Twitter). USD1 is no longer just a stablecoin story; it has evolved into a political theater. The developments surrounding USD1, including surpassing PYUSD, Binance pulling liquidity, the involvement of Pakistan's central bank, and the application for an OCC license, all point to it being a digital dollar project associated with the Trump family. Its future trajectory depends on the occupant of the White House.

According to SoSoValue data, XRP spot ETFs saw a total net inflow of $9.16 million yesterday (January 27th, Eastern Time). The XRP spot ETF with the largest net inflow yesterday (January 27th, Eastern Time) was the Bitwise XRP ETF (XRP), with a single-day net inflow of $7.08 million and a historical total net inflow of $332 million. This was followed by the Franklin XRP ETF (XRPZ), with a single-day net inflow of $2.08 million and a historical total net inflow of $296 million. As of press time, the total net asset value of XRP spot ETFs was $1.38 billion, with an XRP net asset ratio of 1.18%, and a historical cumulative net inflow of $1.25 billion.

Social NFT platform Rodeo has announced its closure, becoming the second NFT platform to do so this week. Rodeo CEO and co-founder Kayvon Tehranian stated that despite positive feedback from its core community, the platform failed to achieve the scale required for sustainability, making continued operation unfeasible. Launched on iOS in March 2025, Rodeo focused on a social NFT collecting experience, emphasizing rewards for content creation rather than simple trading. The platform will maintain normal functionality from January 27th to February 10th, then enter read-only mode, and will completely shut down on March 10th. The platform will assist users in migrating their assets and data to Arweave and provide guidance on contract asset migration. Additionally, Tehranian announced that ownership of his NFT art platform, Foundation, will be transferred to Blackdove. At the market level, the NFT industry has been sluggish since its peak in 2022, with monthly Ethereum NFT transaction volume falling from nearly $5 billion at the beginning of 2022 to approximately $159 million in January 2026. Meanwhile, Nifty Gateway has updated its shutdown plan, extending the user asset migration deadline to April 23.

The key to RWA in 2026 lies in its ability to be distributed and used at scale. As cash yields normalize, investment demand may expand from money markets and credit tokens to commodities, stocks, real estate, and differentiated strategies.

When the floodgates of currency are pushed and pulled by politics, fiscal policy, and market expectations, the force it releases can inflate asset bubbles, ignite social unrest, and even determine the long-term trajectory of great power competition.

Nick Timiraos, writing for "The New Fed Watch," notes that Federal Reserve officials are divided on when inflation data will be sufficient to support further rate cuts. Following three consecutive rate cuts since last September, Fed officials are expected to pause rate cuts this week.

The launch of the US CFTC's "Future Preventive Plan" marks a new era in global encryption regulation, moving from "passive enforcement" to "proactive regulation."

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.

Performance, capital flows, risk aversion rotation, and structural progress against a turbulent macroeconomic backdrop.

It's about how to get one of the world's largest lending markets on a more robust track.