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The primary challenge to Bitcoin's (BTC) adoption as a payment method is tax policy, rather than technological limitations related to scaling, according to Pierre Rochard, a board member of Bitcoin treasury company Strive. According to Cointelegraph, Rochard highlighted that the absence of a de minimis tax exemption for small Bitcoin transactions is a significant barrier. This tax policy requires that every BTC transaction be taxed, which discourages its use as a medium of exchange. In December 2025, the Bitcoin Policy Institute, a non-profit organization focused on policy advocacy, raised concerns about the lack of tax exemptions for minor Bitcoin transactions. U.S. lawmakers are contemplating restricting the de minimis tax exemption to overcollateralized dollar-pegged stablecoins, which are backed by fiat cash deposits or short-term government securities. This proposal has faced criticism from the Bitcoin community, who argue that it unfairly limits Bitcoin's potential as a payment method. In July 2025, Wyoming Senator Cynthia Lummis, a known supporter of the crypto industry, introduced a bill advocating for a de minimis tax exemption on digital asset transactions of $300 or less. The bill also proposed a $5,000 annual limit on exemptions and included provisions to exempt cryptocurrencies used for charitable donations. Additionally, it suggested deferring income from staking or mining cryptocurrencies until the assets are sold. Prominent figures in the crypto space, such as Jack Dorsey, founder of the payments company Square, have voiced support for tax exemptions on small Bitcoin transactions. Dorsey emphasized the need for Bitcoin to become "everyday money" as soon as possible. Meanwhile, Bitcoin advocate and co-founder of the Truth for the Commoner media outlet, Marty Bent, criticized the proposed tax exemption for stablecoins as "nonsensical." The ongoing debate highlights the complexities of integrating cryptocurrencies into everyday financial systems and the need for thoughtful policy development.

The ongoing debate surrounding stablecoin yields underscores a broader conflict over the distribution of benefits from deposits. According to NS3.AI, industry expert Le emphasizes that the primary concern lies in how earnings from deposit funds are allocated. This shifts attention from stablecoins themselves to the financial mechanisms that determine yield distribution.

Bitcoin is being utilized by investors as a quick cash source during uncertain times, resulting in rapid sell-offs instead of accumulation as a safe-haven asset. According to NS3.AI, this behavior contrasts with traditional assets like gold, which are typically seen as stable stores of value. Bitcoin's volatility and market dynamics during stress periods challenge its reliability as a protective asset in turbulent markets.

Senate Agriculture Committee Chair John Boozman has introduced legislation aimed at granting the Commodity Futures Trading Commission (CFTC) authority and funding to regulate spot cryptocurrency markets through brokers, dealers, exchanges, and custodians. According to NS3.AI, the bill proposes the establishment of an Office of the Digital Commodity Retail Advocate to handle retail user complaints, including withdrawal delays and platform outages, with the goal of enforcing regulatory feedback loops. Additionally, the bill seeks to clarify definitions related to decentralized finance (DeFi) protocols to determine the extent of regulatory oversight. It authorizes a $150 million appropriation to support initial regulatory efforts prior to the commencement of fee collections.

Agora's CEO Nick van Eck predicts a rise in the use of stablecoins in real-world business applications, especially for cross-border transactions. According to NS3.AI, van Eck emphasizes the importance of stablecoins in simplifying enterprise payments across various nations. This shift indicates a broader trend where stablecoins are transitioning from speculative assets to practical financial instruments for businesses.

ETHZilla, a treasury firm specializing in Ethereum, has sold more than $114.5 million worth of ETH in recent months. According to NS3.AI, the company is reallocating its capital to purchase real-world assets, such as jet engines, with the intention of tokenizing them on blockchain platforms. This strategy highlights an increasing trend of integrating traditional assets with blockchain technology through tokenization.

A government-affiliated company in Illinois experienced a cyberattack in May last year, leading to the exposure of sensitive personal information of 478,188 Americans. According to NS3.AI, more than 284,000 of those affected are residents of Maine, triggering state-required breach notifications. Individuals impacted by the breach are encouraged to implement protective measures, including credit freezes and monitoring. Legal actions have been suggested as a means for potential compensation.

A substantial transfer of TON tokens has been reported. According to ChainCatcher, data from Arkham indicates that at 00:14, a total of 1,400,507.8 TON tokens were moved from an anonymous address, beginning with Uf95OR, to the TON Elector Contract.

Liquid Capital founder Yi Lihua has expressed optimism about the gradual implementation of crypto-friendly policies. According to ChainCatcher, Yi highlighted the likely passage of the crypto structure bill as a significant milestone for the industry. This development marks the end of previous hindrances and ushers in a new phase of positive growth within a favorable macroeconomic environment. Yi anticipates the emergence of numerous talented founders and high-quality projects, while also removing barriers for U.S. financial institutions to engage in crypto finance. The integration of the crypto industry into the mainstream financial system is expected to accelerate.

On January 25, Galaxy Research Director Alex Thorn announced on the X platform that a crucial hearing in the legislative process for cryptocurrency market structure is scheduled for next week. According to BlockBeats, the Senate Agriculture Committee's Republicans have released a draft of the Digital Commodity Exchange Act. This draft is expected to be merged with related legislation from the Senate Banking Committee to form a comprehensive Cryptocurrency Market Structure Act. The Senate Agriculture Committee, responsible for overseeing the U.S. Commodity Futures Trading Commission (CFTC), focuses the draft on the digital commodity market, primarily granting the CFTC exclusive regulatory authority over the spot crypto market, including trading platforms, dealers, and brokers. The committee plans to hold a hearing on January 27 (Tuesday) to amend the bill, where bipartisan lawmakers may propose amendments. Although the commodity aspect of the crypto market structure discussion, including the CFTC's regulatory authority over the spot market, is generally considered less contentious than the securities aspect, the draft still carries a noticeable partisan tone. It has yet to receive endorsement from key Democratic negotiators, despite incorporating several provisions previously agreed upon with Democrats. Overall, the legislative text from the Senate Agriculture Committee aligns with market expectations, centering on establishing a regulatory framework for the digital commodity spot market with the CFTC at its core. Compared to related topics under discussion by the Senate Banking Committee, this version has a narrower scope and is relatively less politically sensitive and controversial.

Pantera Capital's General Partner Franklin Bi recently commented on the X platform that the race against quantum computing has commenced. According to PANews, Bi highlighted a significant misjudgment in the market regarding the adaptability of traditional finance and blockchain to quantum-resistant technologies. Bi pointed out that the market overestimates Wall Street's ability to swiftly adapt to quantum technology upgrades. The transition of traditional financial infrastructure is expected to be slow, chaotic, and fraught with risks such as single points of failure. The overall security of the traditional financial system depends on its weakest link. Conversely, the market underestimates blockchain technology's unique capability to upgrade. If blockchains can successfully complete upgrades within critical timeframes, they could evolve into 'safe havens' for data and assets in the quantum era. Ethereum, for instance, has already demonstrated its ability to execute complex system upgrades globally, as evidenced by the successful 'The Merge' upgrade. The security challenges posed by quantum computing might, in fact, enhance the 'gravitational pull' of a few core blockchain networks.

Ukraine has recently blocked Polymarket and nearly 200 gambling-related websites. According to Foresight News, Dmitry Nikolaievskyi, Chief Legal Officer of the Digital Economy Development Project Office at Ukraine's Ministry of Digital Transformation, stated in an interview with CoinDesk that under current Ukrainian law, Web3 prediction markets lack a legal framework for operation. While the decision to shut down Polymarket followed existing legal procedures, the fundamental issue is the country's legal system does not recognize prediction markets. Previously, the National Commission for State Regulation of Electronic Communications (NKEK) issued a directive for internet service providers to block access to prediction markets. This order was made following recommendations from Ukraine's national gambling regulator, PlayCity, which highlighted that Polymarket operates without a gambling license and its market includes bets related to the Russia-Ukraine war.

Institutional investors are increasingly recognizing self-custody as a crucial component of their crypto infrastructure. According to NS3.AI, this shift marks a departure from viewing self-custody as merely a retail-level risk. Recent advancements in secure hardware, multi-party authorization, and delegation protocols enable institutions to retain direct control over their assets while delegating operational responsibilities to specialized teams. This approach aligns with traditional governance practices and facilitates scalable, accountable participation in Proof-of-Stake networks.

On Jan 24, 2026, 15:38 PM(UTC). According to Binance Market Data, BNB has dropped below 890 USDT and is now trading at 889.97998 USDT, with a narrowed narrowed 0.11% increase in 24 hours.

A North Carolina man has been apprehended for orchestrating a $2.8 million gold scam. According to NS3.AI, the suspect posed as a federal agent to deceive victims into granting remote access to their devices and wiring money for non-existent gold purchases. The fraudulent transactions were collected at public locations. Authorities conducted a sting operation that led to the suspect's arrest following a police chase and vehicle crash.

BitcoinTreasuries.NET has reported on X platform that as of January 24, 2026, the top 100 publicly listed companies worldwide collectively hold 1,127,981 BTC. According to Odaily, in the past seven days, four companies have increased their holdings, while one company has reduced its holdings.

Crypto IPOs are experiencing significant growth in 2026, driven by companies prioritizing regulated custodial and security infrastructure over token-exposed platforms. According to NS3.AI, BitGo's successful IPO, along with upcoming plans by Ledger and CertiK, highlights investor interest in firms that demonstrate clear profitability, regulatory clarity, and institutional-grade offerings. This trend indicates a shift in smart money towards safer, lower-beta assets, reflecting increased demand for crypto security and compliance solutions.

Prediction markets face significant challenges, not in pricing future events, but in determining actual outcomes, according to PANews. These issues frequently arise in smaller events, where incorrect or opaque settlement mechanisms can undermine market trust, liquidity, and price signal accuracy. The introduction of AI judgment systems is suggested to improve settlement efficiency and scalability while ensuring transparency and fairness. Industry experts recommend using large language models (LLMs) as adjudicators in prediction markets. This approach includes on-chain rule commitments, manipulation resistance, enhanced transparency, and increased neutrality. For instance, during contract creation, specific LLM models, timestamps, and judgment prompts can be encrypted and recorded on the blockchain, allowing traders to understand the complete decision-making process in advance. Fixed model weights reduce the risk of tampering, while open and auditable settlement mechanisms prevent arbitrary human rulings. Developers are encouraged to experiment with low-risk contracts, standardize best practices, build transparency tools, and engage in ongoing meta-level governance to further improve prediction market operations.

India has proposed the integration of Central Bank Digital Currencies (CBDCs) among BRICS nations to streamline trade processes. According to NS3.AI, this initiative aims to reduce costs and accelerate settlement times. While this move could diminish the transactional dominance of the U.S. dollar, it is expected to retain its position as the primary reserve currency and a safe haven asset. Despite potential changes in cross-border payment dynamics, the dollar's global financial influence remains robust due to trust and liquidity challenges associated with BRICS currencies.

A new draft of market structure bills has been introduced, sparking fresh questions about the future of cryptocurrency regulation. According to NS3.AI, the article explores the evolving legislative approach toward the crypto market. Uncertainty persists as stakeholders await further clarification and impact analysis.