Coinbase has partnered with Better Home & Finance Holding Company on crypto-backed mortgages supported by Fannie Mae, allowing borrowers to use bitcoin or USDC as collateral rather than selling assets for cash. The NAHB/Wells Fargo CHI released in March 2026 said a typical family earning the $104,200 national median income needed 34% of income to cover the total mortgage payment on a median-priced new home in Q4 2025. Better’s structure sets collateral minimums at 250% for BTC and 125% for USDC, such as $250,000 in BTC or $125,000 in USDC to access a $100,000 down payment loan.

DeFi governance appears increasingly concentrated, with an ECB March 2026 paper stating the top 100 holders control over 80% of tokens across major protocols. The report also says delegation can amplify influence, with 10–20 voters controlling up to 96% of delegated power, while participation stays around 4–12%. The dynamic is prompting markets to reassess DAO token valuations and may increase regulatory exposure as identifiable control points emerge.

The UK Foreign, Commonwealth & Development Office sanctioned Xinbi on March 26, 2026, a Chinese-language crypto guarantee marketplace accused of processing $19.9 billion in illicit crypto flows from 2021 to 2025. The move freezes any UK-linked assets and bans UK banks, crypto firms, and individuals from dealing with the platform, also naming Thet Li, Hu Xiaowei, and Cambodia-based entities tied to the #8 Park scam compound.

xStocks has partnered with Fundrise to tokenize the newly public, closed-end Fundrise Innovation Fund, which holds private-company stakes including Anthropic, Databricks and SpaceX. The tokenized product, VCXx, is expected to go live on xStocks in the coming days following a Friday announcement, after the fund recently began trading on the NYSE. The launch comes as tokenized equities surpassed $1 billion in total onchain value earlier this month, with RWA.xyz data showing Ondo at about 58% market share and xStocks-issued products at roughly 24%.

On March 27, 2026, Senator Cynthia Lummis said amendments to the CLARITY Act would make it the "strongest protection" yet for DeFi and non-custodial software developers. She pushed back on warnings that Title 3 could still expose protocol builders to money-transmitter rules such as Bank Secrecy Act compliance. The Senate Banking Committee is expected to review the bill in April.

The European Central Bank says the digital euro is designed to protect eurozone payments from growing reliance on Big Tech platforms and stablecoins. It argues banks could otherwise lose fee income, customer data access and the stability of retail deposits, while the project includes bank-led distribution and limits aimed at preventing deposit flight. The Eurosystem targets a 2027 pilot, with possible first live transactions in mid-2027 if EU rules pass by 2026 and a potential issuance by 2029.

On March 28, 2026, a new set of U.S. policy moves highlighted how quickly crypto regulation is evolving, from tax treatment for stablecoins to proposed limits on stablecoin yield products. The Digital Asset PARITY Act draft would exempt certain stablecoin transactions from capital gains tax and add wash-sale rules to crypto, while Coinbase is pressing for changes to CLARITY Act language ahead of expected text in late March or early April 2026. Separately, California Gov. Gavin Newsom issued an order barring state officials and close associates from using non-public information to bet on prediction markets.

A bipartisan group of U.S. senators introduced the Public Integrity in Financial Prediction Markets Act of 2026 on Thursday, aiming to bar government officials from trading prediction-market contracts using nonpublic information. The proposal would fine violators an amount equal to twice any profits, and it requires reporting within 30 days for any wager over $250 with detailed trade disclosures.