Wall Street's enthusiasm for promoting private-credit as a lucrative opportunity for individual investors is facing new challenges. Wall Street Journal (Markets) posted on X, highlighting that the sales pitch for private-credit investments has become more difficult. The private-credit market, which has been touted as a promising avenue for individual investors seeking higher returns, is encountering obstacles that could impact its appeal. Private-credit investments, typically involving loans to companies that do not have access to traditional bank financing, have gained popularity due to their potential for higher yields compared to conventional fixed-income assets. However, recent developments in the financial landscape are complicating the narrative that Wall Street has been promoting. The challenges stem from a combination of factors, including changing economic conditions and regulatory scrutiny. As interest rates fluctuate and economic uncertainties persist, the risk associated with private-credit investments has become more pronounced. Additionally, regulatory bodies are increasingly scrutinizing the private-credit market, raising concerns about transparency and investor protection. These developments are prompting financial advisors and investors to reassess the risk-reward profile of private-credit investments. While the allure of higher returns remains, the potential for increased volatility and regulatory hurdles is causing some investors to exercise caution. As Wall Street navigates these challenges, the future of private-credit sales to individual investors will depend on how effectively the industry addresses these concerns and adapts to the evolving financial landscape.

XRP is primarily designed as a fast, low-cost bridge currency for cross-border payments, setting it apart from cryptocurrencies focused on value storage or smart contracts. According to NS3.AI, while millions hold XRP, its largest users include retail investors and crypto exchanges for liquidity management. Select payment providers utilize XRP for international remittances. Major banks often employ Ripple's technology infrastructure but rarely use XRP itself for liquidity, highlighting its specific rather than universal utility.

The U.S. Securities and Exchange Commission (SEC) has revised its regulations concerning qualified payment stablecoins held by broker-dealers. According to NS3.AI, the SEC has reduced the haircut from 100% to 2%, allowing 98% of the stablecoins' value to be included in net capital calculations. This regulatory adjustment aligns stablecoins with money market funds that have similar asset backing. The change is anticipated to enhance liquidity and capital efficiency for broker-dealers managing stablecoins.

Boeing is actively working with NASA to ensure readiness for upcoming interstellar missions. According to Jin10, the company remains committed to supporting NASA's vision of having two commercial crew spaceflight providers. This collaboration aims to advance the capabilities required for future space exploration endeavors.

null source: https://x.com/CultivateCrypto/status/2024632850428178746

Vitalik Buterin, co-founder of Ethereum, has publicly disagreed with the reasoning behind a project that claims to have built the first artificial intelligence capable of earning its own existence, self-improving, and replicating without human involvement. On February 17, Sigil Wen wrote on X that he has “built the first AI that earns its existence, self-improves, […] source: https://www.cryptopolitan.com/buterin-slams-web4-superintelligent-ai/

Applovin's stock rose over 4% in after-hours trading following news of a potential collaboration with OpenAI. According to Jin10, OpenAI is considering partnering with Applovin to leverage advertising for commercial purposes. This strategic move aims to enhance OpenAI's market presence and explore new revenue streams through targeted advertising initiatives.

Japan's primary inflation measure has decelerated to its slowest rate in two years, influenced by temporary factors. Bloomberg posted on X, indicating that this development is not expected to deter the central bank from continuing with interest rate hikes when deemed appropriate. The easing of inflation comes as Japan navigates economic challenges, with the central bank closely monitoring the situation to determine the optimal timing for policy adjustments. Despite the slowdown, the bank remains committed to its strategy, focusing on long-term economic stability.

While Bitcoin and Ethereum have both slipped into bearish social territory, XRP’s crowd sentiment has climbed to its highest level in five weeks. According to Santiment’s Positive/Negative Sentiment Ratio data, Bitcoin’s sentiment has declined into bearish territory as price action continues to struggle. source: https://www.ethnews.com/bitcoin-and-ethereum-sentiment-turns-bearish-xrp-hits-5-week-high/

CBS News Editor-in-Chief Bari Weiss was scheduled to deliver a speech on the future of journalism at the University of California, Los Angeles this month. Bloomberg posted on X that the event has been canceled. No further details have been provided regarding the reasons behind the cancellation or any potential rescheduling of the talk.

稳定币并未脱离既有金融体系运行，其市场结构、风险外溢与制度影响在很大程度上延续并放大了现行货币与支付体系的既有格局。

比特币和山寨币接下来的剧本只有两种: 要么比特币从126,000美元跌到60,000美元就是全部跌幅，要么随着股市崩盘, 比特币跟着继续暴跌。

OpenAI大概率已经意识到，谁的Agent学会在链上世界自主生存，谁就拿到了下一阶段的入场券。

人工智能,chatGPT,马斯克又整活了：四个AI当场吵架 炒股狂赚47% GPT-5被按在地上摩擦？ 金色财经,让AI自己卷自己，这才是最可怕的进化。

人工智能,AI Agent,2026春节 巨头为何豪掷45亿疯狂补贴AI支付？ 金色财经,当支付动作本身变得多余，巨头们到底在抢什么？

站在人类的视角和站在AI agent经济体的视角是不同的。

双方已举行两轮会谈，本周或再召开新一轮会议，但迄今未达成任何协议

USDT,黄金,从稳定币到黄金巨头 Tether想做什么？ 金色财经,最古老的价值储藏品，跑在最新式的轨道上。

RWA,中国 RWA 监管框架正式公布 各方分析与前景预测 金色财经,中国虚拟资产监管体系的又一次重要制度升级。

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