比特币在2025年最后一个交易日小幅上涨，但仍受阻于9万美元关键价位下方，预计全年将以下跌收 官。伦敦证券交易所集团数据显示，受特朗普总统支持加密资产政策的乐观情绪提振，该加密货币10月 曾创下126，223美元的历史新高，但随后因获利了结、广泛风险规避以及对数字资产监管进展失望而大 幅回落。比特币最新上涨0.4%至88，535美元，但近几个月的回调使其年内跌幅超过5%。 责任编辑：王许宁 比特币在2025年最后一个交易日小幅上涨，但仍受阻于9万美元关键价位下方，预计全年将以下跌收 官。伦敦证券交易所集团数据显示，受特朗普总统支持加密资产政策的乐观情绪提振，该加密货币10月 曾创下126，223美元的历史新高，但随后因获利了结、广泛风险规避以及对数字资产监管进展失望而大 幅回落。比特币最新上涨0.4%至88，535美元，但近几个月的回调使其年内跌幅超过5%。 责任编辑：王许宁 ...

责任编辑：安东 财经频道更多独家策划、专家专栏，免费查阅>> 币安联席首席执行官Richard Teng预测，2026年将标志着加密货币从实验阶段向主流金融融合的重要转 变。Teng强调各国政府正积极制定监管框架并推出中央银行数字货币(CBDCs)，以增强透明度的方式将 数字资产纳入传统金融体系。这种不断发展的监管环境可能会使市场估值转向基本面因素，如实际应用 价值、可持续经济性和合规性，尤其是对历来波动较大的山寨币而言。他预计，除比特币ETF外，受监 管的投资工具将继续增长，为投资者提供更便捷的入市渠道。 ...

CFTC 和 SEC 多年来一直在争夺谁应成为数字资产的主要监管机构，但范主席和 SEC 主席保罗·阿特金 斯都承诺将协调监管规则。 阿特金斯在 9 月告诉记者："加密货币现在是头等大事。" CFTC 在 8 月份征求公众意见，探讨允许期货交易所交易杠杆数字资产的概念。该机构当月晚些时候就 总统更广泛的加密监管计划征求了更多意见。 一个华盛顿消费者组织 Better Markets 表示，该声明带来的问题多于答案。该组织证券政策主管本杰明· 席弗林在一份声明中表示，声明没有具体说明哪些加密产品获准在 CFTC 注册的交易所交易，也没有说 明哪些交易所符合资格。 智通财经APP获悉，美国商品期货交易委员会 (CFTC) 周四表示，已上市的现货加密产品将被允许在注 册期货交易所开始交易。此举标志着特朗普政府正采取行动，进一步接纳数字资产行业。 代理主席卡罗琳·范 在一份声明中表示："现在，现货加密产品首次可以在 CFTC 注册的交易所进行交 易，这些交易所近百年来一直是黄金标准，拥有美国人应得的客户保护和市场诚信。" 此声明发布前，美国总统唐纳德·特朗普一直推动 CFTC 和美国证券交易委员会 (SEC) 利用其 ...

Core Insights - The digital currency market is experiencing increased volatility, leading to heightened focus on asset security and management [1] - XRP has shown resilience in the bear market, with significant supply contraction and a notable increase in net inflows due to the XRP spot ETF [3] - The activation of long-dormant Ethereum wallets highlights the importance of private key management for asset security [3][5] Market Dynamics - XRP's exchange balance has decreased by 29% since February, with a 34.18% drop in the last two months, indicating reduced liquidity due to whale buying behavior [3] - The total asset scale of XRP has reached $687 million, driven by $439 million in net inflows from the XRP spot ETF [3] - A dormant Ethereum wallet, which held 40,000 ETH, was activated after ten years, showcasing the potential value growth from proper private key management [3][5] Technological Innovations - Stellar wallets, such as the XBIT Wallet, are designed with unique technical features, including multi-chain asset compatibility and cross-chain exchange capabilities [4] - XBIT Wallet employs military-grade encryption and a decentralized identity verification mechanism to enhance security [4][5] - The wallet's features include a unified management interface for over 30 mainstream public chains and real-time risk transaction detection [5] Private Key Management - Private keys are essential for controlling crypto assets, and their management is critical to prevent permanent loss or malicious transfer [5] - Recent events underline the long-term value of proper private key storage, as evidenced by the significant appreciation of assets controlled by dormant wallets [5] - Approximately 67% of digital asset loss incidents stem from improper private key management, emphasizing the need for secure practices [5] Security Practices - Modern wallets often use mnemonic phrases as user-friendly alternatives to private keys, significantly increasing security against brute-force attacks [7] - Best practices for backing up mnemonic phrases include offline storage, geographical dispersion, and zero digital contact [7][8] - A tiered storage strategy is recommended, where only small amounts are kept in hot wallets for daily use, while larger holdings are moved to cold storage [8] Regulatory Developments - The integration of traditional precious metals with digital assets is progressing, as seen with the introduction of gold ATMs in the UAE [9] - Regulatory frameworks are evolving, with Belarus establishing a registry for criminal cryptocurrency wallets and implementing taxation regulations [9] Conclusion - The digital asset ecosystem is undergoing profound changes, with tools like Stellar wallets and XBIT Wallet enhancing private key management and user experience [11] - Mastery of asset storage knowledge is essential for navigating the digital economy effectively [11]

她补充道，新技术有望打造更高效的银行业体系，在扩大信贷可及性的同时，为金融科技公司与数字资 产企业创造公平竞争环境。 美联储最高银行业监管官员计划于周二告知众议院议员，她将致力于为银行和稳定币制定新规，以确保 华尔街、金融科技公司和加密货币企业之间形成良性竞争。 银行资本监管动态 鲍曼的证词还重点提及她推动多项银行资本监管措施落地的相关工作，包括备受期待的《巴塞尔协议 III》最终方案。 "我的监管思路是从底层出发校准新框架，而非通过逆向推导修改规则，以预设或先入为主的方式确定 资本要求，"鲍曼表示。 鲍曼还指出，将依据《指导与建立美国稳定币国家创新法案》(GENIUS法案)要求，与其他监管机构合 作制定稳定币发行方的资本与多元化监管规则。据了解，GENIUS法案强制要求稳定币发行方正式注 册，并按1:1比例持有美元储备资产。她强调，监管机构将明确数字资产相关监管标准，并针对新用途 场景的提案提供监管反馈。 此番表态正值银行与加密货币企业围绕数字资产监管未来展开激烈博弈之际，双方争夺的焦点包括银行 特许经营权。对加密货币企业而言，获得银行牌照可带来多重利好，其中包括显著提升行业合法性。 然而传统贷款机构警告称 ...

Core Insights - MoonPay has received a New York Trust Charter, allowing it to safeguard customers' digital assets and facilitate over-the-counter trades [1][2]. Group 1: Regulatory Approval - The New York Trust Charter enables MoonPay to hold digital assets on behalf of customers and conduct over-the-counter trades directly between parties [1]. - This milestone demonstrates the company's commitment to compliance and security, enhancing relationships with global financial institutions [2]. Group 2: Product Development - MoonPay is developing new products enabled by the New York Trust Charter, focusing on security, compliance, and institutional-grade operations [3]. - The company plans to expand its services to other states after completing necessary regulatory steps [3]. Group 3: Competitive Landscape - Only a few companies, including Coinbase and PayPal, have secured a BitLicense and New York Trust Charter, indicating a competitive regulatory environment [4]. - Other firms like Coinbase and Circle are pursuing national trust bank charters, highlighting the growing interest in regulatory compliance within the crypto sector [4]. Group 4: Future Opportunities - The charter provides MoonPay with a pathway to issue stablecoins under the Genius Act, potentially increasing competition in the market [5]. - The introduction of MoonPay's enterprise stablecoin business aims to manage fully reserved digital dollars across multiple blockchains [5].

Core Insights - The UAE is recognized as one of the most advanced digital asset markets globally according to the "2025 Global Digital Assets Report" [1] Regulatory Framework - The UAE has promoted the development of stablecoins and tokenized assets through a licensing framework, regulatory sandbox, and institutional pilot projects, balancing innovation with investor protection [1] - The "activity-based licensing" model of Dubai VARA and Abu Dhabi FSRA has been acknowledged, placing the UAE alongside Singapore and Switzerland as one of the countries with the highest regulatory maturity [1]

Core Viewpoint - The Bank of Ghana has established a national policy framework to regulate virtual assets and their service providers, aiming to balance financial innovation with consumer protection and financial stability [1] Group 1: Regulatory Framework - The framework includes six guiding principles for the regulation of virtual asset service providers [1] - Service providers must register and obtain the necessary licenses based on their business types, which include trading, wallet management, asset custody, payment settlement, and brokerage services [1] Group 2: Risk Management - A risk-based classification approach will be implemented to enhance regulatory measures according to the type of business [1] - The framework emphasizes the importance of cross-departmental collaboration to strengthen the regulatory environment [1] Group 3: Public Awareness - The initiative aims to improve public digital financial literacy as part of the regulatory strategy [1] - The framework seeks to clarify Ghana's official stance on virtual assets through a risk grading system [1]

Core Insights - The Bank of Ghana has released a policy document outlining the country's first regulatory framework for virtual assets, including cryptocurrencies and tokens, establishing a Virtual Asset Regulatory Office (VARO) to enhance oversight [1][2] - The new regulatory approach marks a significant shift from previous warnings against cryptocurrencies, moving towards a risk-based regulatory framework that aligns regulatory intensity with the risks associated with different virtual asset services [2] Group 1: Regulatory Framework - The VARO will act as a bridge between government regulation and the virtual asset industry, collaborating with various institutions such as the SEC, FIC, GRA, and NCA to enforce anti-money laundering and counter-terrorism financing standards [1][2] - The policy emphasizes that virtual assets are not recognized as legal tender in Ghana, aiming to promote innovation, protect consumer rights, and maintain financial stability while mitigating risks of money laundering, fraud, and terrorism financing [2] Group 2: Public Awareness and Education - A National Virtual Asset Literacy Initiative (NaVALI) will be developed in collaboration with the SEC and the Ministry of Education to enhance public awareness and financial literacy, particularly among the youth who constitute the majority of cryptocurrency users in Ghana [2] - Ghana's regulatory direction aligns with international standards set by organizations such as FATF, IMF, and BIS, positioning the country among a select few African nations that have implemented systematic measures to regulate digital assets while supporting innovation [2]

Core Viewpoint - Bitcoin-related stocks experienced significant gains following the nomination of Michael Selig as the chairman of the Commodity Futures Trading Commission (CFTC), which is seen as a victory for the digital asset industry [1] Group 1: Stock Performance - Robinhood (HOOD.US) rose over 5.6% [1] - Bitmine Immersion Technologies (BMNR.US) increased by more than 5.7% [1] - SharpLink Gaming (SBET.US) saw a rise of over 5.5% [1] - MicroStrategy (MSTR.US) gained 2.6% [1] - Bitfarms (BIFT.US) increased by more than 1.5% [1] - Iren Ltd (IREN.US) rose over 3.4% [1] Group 2: Regulatory Developments - Michael Selig, currently the chief legal advisor for the CFTC's cryptocurrency working group, has been nominated to lead the CFTC [1] - The Trump administration is actively reshaping regulations for the digital asset industry through new legislation [1] - Selig's appointment is expected to accelerate the regulatory process, providing clearer guidance for cryptocurrency companies and investors seeking compliance [1]