January 2026

Bybit’s upcoming neobank launch via Tether-backed Pave Bank highlights the regulatory hurdles and challenges that crypto exchanges face when entering traditional finance.

The shift will take Binance’s insurance-style fund out of US dollar-pegged assets and into Bitcoin within 30 days, raising questions about user protection.

BTC could drop to as low as $50,000 in the worst-case scenario after BTC price failed to hold the important $84,000 support level.

Still, Bitcoin often rebounds toward its energy value after long downtrends, with one model pointing to a fair price near $121,000.

The move comes as the Ethereum Foundation enters a period of “mild austerity” while sticking to its core technical roadmap, Buterin said.

A tentative deal in Washington has eased some shutdown fears, but with key votes still pending, crypto, gold and silver are trading through liquidity jitters and foreign policy risk.

DeFi’s composability creates cascading exploit risks while protocols handle risk idiosyncratically. Institutional adoption demands TradFi-style standardized frameworks.

US spot Bitcoin ETF flows turned negative for January after a series of outflows this week totaling nearly $1 billion, data from SoSoValue shows.

Ethereum slipped under $2,800 as charts and onchain data suggested downside risk remains elevated, with a potential move toward $2,100.

Crypto exchange Bybit said its new “My Bank” accounts will give users personal IBANs, instant fiat access, multi-currency transfers and crypto trading under their own name.