According to Cointelegraph, stablecoins became a focal point during JPMorgan Chase's fourth-quarter earnings call, where executives voiced their support for blockchain technology while cautioning against certain stablecoin designs that could pose risks to the regulated banking system. This discussion was prompted by a question from Evercore analyst Glenn Schorr, who inquired about stablecoins in the context of recent lobbying efforts by the American Bankers Association and ongoing legislative discussions concerning digital assets. JPMorgan's chief financial officer, Jeremy Barnum, responded by aligning the bank's stance with the GENIUS Act, which aims to establish regulatory frameworks for stablecoin issuance. Barnum expressed concerns about interest-bearing stablecoins that mimic traditional banking functions without equivalent oversight. He highlighted the dangers of creating a parallel banking system that offers features similar to traditional banking, such as interest-bearing deposits, without the prudential safeguards developed over centuries of bank regulation. Barnum emphasized that while JPMorgan supports competition and innovation, it opposes the development of a parallel banking system operating outside established regulatory protections. As reported by Cointelegraph last May, the U.S. banking lobby perceives yield-bearing stablecoins as a significant threat to its business model, with industry insiders describing the response as a "panic." The rapid growth of stablecoins as tools for payments, on-chain settlement, and dollar access, offering faster transactions and lower costs, intensifies this threat. The potential introduction of yield-bearing versions further exacerbates concerns, especially as banks continue to offer relatively modest interest rates to depositors. Stablecoin rewards have become a contentious issue among U.S. lawmakers deliberating the Digital Asset Market Clarity Act, a comprehensive proposal aimed at clarifying regulatory jurisdiction over digital assets and defining the supervision of crypto-related activities. An amended draft of the legislation released this week indicates that digital asset service providers would be prohibited from paying interest or yield "solely in connection with the holding of a stablecoin," reflecting lawmakers' intent to prevent stablecoins from functioning like bank deposits. However, the draft allows for certain incentive structures linked to broader ecosystem participation, such as rewards for liquidity provision, governance activities, staking, and other network-related functions, rather than passive yield for holding a dollar-pegged token.

Ethereum remains the leader in total value locked, but declining usage and economic uncertainty in the United States may hinder a rally to $4,000. source: https://cointelegraph.com/news/eth-s-back-at-3-2k-will-traders-flip-the-level-from-resistance-to-support?utm_source=rss_feed&utm_medium=rss&utm_campaign=rss_partner_inbound

Bitcoin and XRP jump higher as Trump escalates pressure on Iran. source: https://www.thestreet.com/crypto/markets/bitcoin-xrp-surge-amid-rising-us-iran-tensions

A single miner managed to mine a full Bitcoin block, earning approximately $295,000 — around 3. source: https://coindoo.com/a-single-miner-takes-home-a-295000-bitcoin-block-reward/

Less than two weeks into office, Zohran Mamdani said ”no” when questioned whether he held any crypto or planned to invest in a former New York City mayor's memecoin project. source: https://cointelegraph.com/news/new-york-city-mayor-zohran-mamdani-no-crypto?utm_source=rss_feed&utm_medium=rss&utm_campaign=rss_partner_inbound

According to ChainCatcher, the Dow Jones Industrial Average fell by 398.21 points, or 0.8%, closing at 49,191.99 points on January 13. The S&P 500 Index decreased by 13.56 points, or 0.19%, ending at 6,963.71 points. Meanwhile, the Nasdaq Composite Index dropped by 24.03 points, or 0.1%, to close at 23,709.87 points.

null source: https://x.com/wublockchain/status/2011184385341735421

According to breaking news, Coinbase is listing Raydium (RAY) on the spot market. *This is not investment advice. Continue Reading: BREAKING: Coinbase Makes a Surprise Listing – Adds the Long-Awaited Altcoin source: https://en.bitcoinsistemi.com/breaking-coinbase-makes-a-surprise-listing-adds-the-long-awaited-altcoin/

속보에 따르면 코인베이스가 레이디움(RAY)을 현물 시장에 상장할 예정입니다. *본 내용은 투자 조언이 아닙니다. 계속 읽어보세요: ÚLTIMO MOMENTO: 코인베이스, 어젯밤 상장 발표! 오랫동안 기다려온 알트코인 상장! source: https://kr.bitcoinsistemi.com/breaking-news-coinbase-announces-overnight-listing-listing-the-long-awaited-altcoin/

JPMorgan posted its fourth-quarter results today after the bell and said profit fell 7% in the fourth quarter of 2025, landing at $13 billion, or $4. 63 per share, missing FactSet estimates of $4. 85 per share. As of press time, the JPM stock has crashed by 4. 15%. Meanwhile, JPMorgan’s quarterly revenue rose 7% to $45. 8 billion, […] source: https://www.cryptopolitan.com/jpmorgan-q4-profit-misses-street-estimates/

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