On January 21, 2026, Arca CIO Jeff Dorman argued that crypto is in an "existential crisis," claiming value from tokenization and stablecoin adoption is accruing to intermediaries and only a few DeFi tokens, token launchpads, and GLXY stock may benefit. Macro investor Dan Tapiero disagreed, while BTC was $88,992, down 1.9% over the past 24 hours.

On January 20, 2026, the Government of Bermuda announced a plan to work with Circle and Coinbase to build what it describes as a fully on‑chain national economy. Unveiled at the World Economic Forum in Davos, the initiative will deploy USDC‑based infrastructure and enterprise tools across banks, insurers, SMEs and consumers, paired with nationwide education and onboarding.

Truist is increasing a range of business banking fees, with changes effective January 1, 2026. Mobile deposit items now cost $0.25 each, monthly maintenance moves to $35–$55, and ACH credits and debits rise to $0.25. The bank says the adjustments reflect operational costs and urges clients to review available waivers.

GSPlatformCo Inc., a digital payments operator, says attackers accessed a customer-data system in April of last year. The company discovered the intrusion in November and filed notices with regulators, including Maine's Attorney General, in January. Breach disclosures state 537,877 U.S. individuals were affected, with exposure limited to basic personal details and account/transaction metadata.

On January 17, 2026, major US banks including JPMorgan Chase, Citibank, Bank of America and Wells Fargo detailed new safeguards for Zelle transfers, according to NBC San Diego. Measures range from blocking payments tied to social media contacts to fraud attestations and pop‑up warnings. The Consumer Financial Protection Bureau alleges more than $870 million was lost to Zelle scams over seven years.

Crypto holders suffered an estimated $17,000,000,000 in losses to scams and fraud in 2025, driven by a surge in impersonation and AI-enabled attacks. On-chain inflows to scam addresses reached at least $14,000,000,000, and average haul per scam rose from $782 to $2,764, while AI-linked schemes extracted about 4.5 times more value.

On January 14, 2026, Coinbase CEO Brian Armstrong said he cannot back the current draft of the Clarity Act after a 48-hour review. He called the Senate Banking text worse than the status quo, citing a de facto ban on tokenized equities, DeFi and privacy concerns, diminished CFTC authority, and restrictions on stablecoin rewards.

On January 12, 2026, Strategy (MSTR) said it bought 13,627 BTC for approximately $1.25 billion, marking its biggest weekly buy since last summer. The tranche averaged about $91,519 per coin and lifted total holdings to 687,410 BTC. The company's cumulative Bitcoin spend is roughly $51.80 billion, with an average purchase price near $75,353.

At the start of 2026, CoinShares reports that institutional investors allocated $582 million of net inflows into digital asset investment products over the past week. The data shows $512 million went into Bitcoin products, $119 million into Ethereum and $10.7 million into XRP, while Solana products saw $30 million in outflows despite strong full-year 2025 inflows. For 2025 as a whole, global crypto investment products recorded $47.2 billion in inflows, led by the US with $44.5 billion.