As stablecoins are increasingly used in cross-border payments, a global remittance market worth approximately $900 billion is facing restructuring. Industry insiders point out that stablecoins, leveraging blockchain technology, can significantly reduce the cost and time of cross-border transfers, potentially impacting traditional remittance systems like Western Union. World Bank data shows that the average fee for cross-border remittances is still above 6%, placing a particularly heavy burden on low-income groups sending remittances to developing countries. Experts believe that stablecoins can facilitate peer-to-peer transfers through digital wallets, with significantly lower fees and friction compared to traditional channels. On the regulatory front, US President Trump signed the GENIUS Act in July, establishing a federal regulatory framework for stablecoins and pushing them into the mainstream financial sphere. Since then, traditional payment and remittance institutions, including Western Union and PayPal, have begun developing stablecoin-related products. Analysts point out that traditional remittance institutions possess global customer networks and mature compliance systems, giving them an advantage in large-scale adoption; however, their existing business models may hinder their transformation. In contrast, crypto-native companies and large trading platforms (such as Coinbase and Kraken) have greater flexibility in technology and product iteration, but still face challenges in brand trust and regulatory implementation. The market generally believes that competition among stablecoins in the remittance sector will evolve into a three-way battle between traditional financial institutions, crypto-native companies, and fintech platforms. As regulatory details are gradually improved, the penetration rate of stablecoins in the global remittance market is expected to continue to increase this year.

OpenAI initiates ad testing on ChatGPT, addressing privacy and advertising integrity concerns. source: https://coincu.com/news/openai-testing-ads-chatgpt-privacy/

Indian fraudsters have now increased their activities by targeting retirees using different fake crypto trading applications. According to authorities, the scammers now see them as the prime age bracket, noting that they were targeted because of their age and limited knowledge of how cryptocurrencies worked. According to reports, the elderly population is always enticed with […] source: https://www.cryptopolitan.com/indian-fraudsters-target-retirees-trading/

Alex Thorn, research director at Galaxy Digital, stated that the postponement of the Senate Banking Committee's scheduled review of the crypto market structure bill highlights deep divisions between Congress and industry on several key issues, particularly stablecoin yield mechanisms and DeFi-related provisions. This postponement occurred hours after Coinbase CEO Brian Armstrong withdrew his support for the bill. Armstrong publicly opposed wording in the bill concerning tokenized securities, DeFi restrictions, and stablecoin yields. Senate Banking Committee Chairman Tim Scott subsequently announced a postponement of the hearing, but has not yet released a new timetable. With the Senate adjourning next week, the earliest possible resumption date is between January 26th and 30th. Thorn pointed out that within just 48 hours, the draft bill was released late at night, and over 100 amendments were submitted, with stakeholders continuing to discover new points of contention at the last minute, significantly increasing the difficulty of political coordination. At the market level, following the announcement of the delay, crypto assets generally declined, with Bitcoin and Ethereum falling by approximately 2% that day; related US stocks also came under pressure, with Coinbase falling 6.5%, Robinhood falling 7.8%, and Circle falling 9.7%. In his analysis, Thorn believes that although there is a considerable consensus on the "market structure" itself, a difficult-to-bridge political divide has formed around non-core but highly sensitive issues such as stablecoin yields, DeFi compliance, and granting the SEC regulatory tools in the area of ​​tokenized securities. "The surface differences in the disagreements are not large, but the actual gap is deep."

Market data shows that the top 10 addresses control about 18. 56% of the total XRP supply. Addresses numbered 10 to 50 control 24. 85% more, and the rest, 56. 59%, is spread out among millions of smaller wallets. Ripple Labs remains the single largest owner of XRP when all company-linked wallets are added together. When escrow wallets […] source: https://www.cryptopolitan.com/who-controls-xrp-top-10-addresses/

Spot Bitcoin ETFs posted their strongest week since October as institutional investors returned via regulated products, helped by reduced whale selling and tightening effective supply. source: https://cointelegraph.com/news/bitcoin-etf-inflows-surge-as-institutional-demand-returns?utm_source=rss_feed&utm_medium=rss&utm_campaign=rss_partner_inbound

OpenAI founder Sam Altman responded to privacy concerns regarding ChatGPT's advertising plan in an article published on the X platform. He stated that ChatGPT was testing the advertising feature because many users wanted to use AI frequently but were unwilling to pay for it. The team hoped to explore a viable business path through the advertising model. Regarding privacy concerns, ChatGPT's advertising will follow clear principles: it will never accept any paid behavior that affects the answers given by ChatGPT, and user conversations will remain invisible to advertisers.

According to Odaily, Coin Bureau shared on the X platform that BlackRock has withdrawn a total of 12,658 BTC and 9,515 ETH over the past three days. Arkham data reveals that BlackRock currently holds 784,400 BTC and 3.49 million ETH.

The US warned South Korean and Taiwanese chipmakers they could face 100% tariffs if they do not build factories in America. source: https://www.cryptopolitan.com/us-threatens-100-tariffs-on-chipmakers/

Coin Bureau reported on the X platform that BlackRock withdrew a total of 12,658 BTC (worth $1.21 billion) and 9,515 ETH (worth $31.3 million) in the past three days. According to Arkham data, BlackRock currently holds 784,400 BTC (worth $74.68 billion) and 3.49 million ETH (worth $11.51 billion).

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On January 14, the DFINITY Foundation officially released a new white paper on token economics called "Mission 70", which proposed an extremely aggressive deflation plan: to reduce the inflation rate of ICP by 70% by the end of 2026.

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As hackers begin to leverage AI to generate attacks on a large scale, the security shield for Web3 users must also evolve accordingly.

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Jinse Finance launches its daily cryptocurrency and blockchain news bulletin, "Jinse at 8 AM," issue 2939, providing you with the latest and fastest news on the digital currency and blockchain industry.

The high-performance Layer 1 blockchain Sui network experienced a nearly 6-hour "consensus interruption," causing on-chain transactions to halt and freezing approximately $10 billion in asset activity.

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