On 22 January 2026, White House crypto adviser David Sacks argued in Davos that banks and crypto firms could eventually operate within a single digital asset framework once US market structure legislation is passed. He highlighted the dispute over interest-bearing stablecoins as the central obstacle to the CLARITY Act, urging crypto companies to accept near-term compromises to secure regulatory clarity. Sacks also suggested that banks' current opposition to stablecoin yield may reverse if they begin issuing such assets themselves.

A speculative comparison of BTC, ETH, and XRP argues that XRP could deliver the highest percentage returns by 2029, while Bitcoin is characterized as the safer reserve allocation and Ethereum as a utility-driven play. The discussion comes alongside Trump's pledge to make the U.S. a crypto hub, as Bitcoin is down 15% since his inauguration and many altcoins fell 70%–90%.

X is introducing Starterpacks, an onboarding tool that helps new users follow curated crypto and technology feeds. Unveiled Thursday and previewed by Head of Product Nikita Bier on January 21, 2026, the crypto category will feature memecoin trading with real-time trends and sentiment from active traders. A short video showed users selecting interests and following vetted accounts.

On Wednesday, Palo Alto-based BitGo completed its stock market debut, selling 11.8 million shares at $18 each and raising $212.8 million at a $2.08 billion valuation. The first cryptocurrency company to go public in 2026 is listing amid U.S. regulatory uncertainty, weak digital asset prices, and heightened geopolitical tensions that are weighing on broader IPO plans.

The crypto market structure bill known as the CLARITY Act could be pushed to late February or March as the Senate Banking Committee turns to President Donald Trump’s housing agenda. The White House’s David Sacks urged a compromise on stablecoin yield. Separately, Senate Agriculture Chair John Boozman said he will advance the bill on 27 January.

Evernorth plans to expand its XRP holdings beyond 1 billion dollars in gross proceeds and collaborate with t54 Labs to deploy AI-based agentic finance on the XRP Ledger. The firm aims to generate yield via lending, liquidity provision, and DeFi activity, while preparing a Nasdaq listing through a SPAC merger under the ticker XRPN in early 2026. The treasury already holds 473.2 million XRP and is backed by investors including Ripple, SBI, Pantera Capital, Kraken, and GSR.

On January 22, 2026, Binance will list Ripple's USD-backed stablecoin RLUSD for spot trading with zero transaction fees. Beginning January 23, 2026, RLUSD will also be enabled as a borrowable asset in both cross-margin and isolated-margin markets, expanding its use for traders. The stablecoin is priced at $1.00 with a market cap of $1.34 billion and a 24-hour trading volume of $173.05 million, reflecting growing liquidity.

According to a Bloomberg report on Thursday, the US CLARITY Act crypto market structure bill could be delayed until late February or March as the Senate Banking Committee prioritizes housing legislation connected to President Trump's affordability agenda. The bill, which aims to clarify oversight between the SEC and CFTC and restrict high-yield stablecoin products, lost support from Coinbase and has become a point of contention among lawmakers and banking lobby groups. Crypto markets saw only modest moves, with total capitalization near $3.1 trillion and Bitcoin trading around $89,800 after briefly touching $90,000.