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Nearly 75% of XRP’s realized capitalization is concentrated in coins that last moved six months to two years ago. Their average realized prices start above $2, leaving the market’s largest cost-basis cohorts below their modeled entry levels while XRP trades in the mid-$1.40s. A rally toward $2 would approach the average cost of the cohorts … Read more

The American Reserve Modernization Act (ARMA) would put the federal government’s Bitcoin reserve into law for the first time. But ahead of its first House committee vote on Sept. 16, the bill has attracted just one Democratic cosponsor, and he does not sit on the committee considering it. That goes against Congress’s broader crypto push. … Read more

A Bitcoin investor can withdraw coins from an exchange, return them to the same account, and still fall outside mandatory cost-basis reporting when those coins are sold. For the 2026 US reporting year, the broker can still be required to report sale proceeds, while reporting the acquisition cost remains voluntary. Cost basis, the acquisition cost … Read more

When a stablecoin holder receives spendable bank dollars before the issuer redeems the token, a buyer or conversion provider has funded the early exit. If that party keeps the token, it must wait until resale or redemption to get its cash back. The Office of the Comptroller of the Currency’s proposed redemption framework could give … Read more

A proposed XRP Ledger (XRPL) upgrade could let banks and fintechs absorb XRP costs so customers never need to hold the token. The Sponsor amendment, based on the XLS-68 Sponsored Fees and Reserves proposal, would let a company pay account reserves and transaction fees for another XRPL user while that customer retains control of their … Read more

Opposition to the CLARITY Act widened on Sept. 14 as banks, Democrats, state attorneys general and developer advocates rejected key compromises. The backlash came hours after Senate Republicans released what they described as their final version of the landmark crypto market-structure bill, incorporating 126 substantive changes Democrats requested and new provisions to resolve disputes over … Read more