Community banks urged Congress to revise the GENIUS Act, arguing some stablecoin issuers indirectly offer interest via exchanges, undermining deposit competitiveness. The Act was signed in July 2025 and is slated for enforcement in November 2026. USDC remains at $1.00 with a market cap near $75.72 billion, according to CoinMarketCap.

On January 6, 2026, Solana published its 2025 annual data review, reporting total revenue of $23.9 billion and 116 billion transactions, both at record levels. Seven applications each generated more than $1 billion in revenue, while ETF net inflows linked to the ecosystem reached $1.02 billion. The report also noted steady growth in active wallets, lower fees, and a Solana price of $139.95 with mixed performance across recent time frames.

On January 6, 2026, Morgan Stanley filed an S-1 registration statement with the U.S. SEC for a Solana Trust, aiming to broaden its crypto investment product lineup. The move focuses on offering institutional exposure to Solana (SOL), which was priced at $138.50 with a $78.03 billion market cap and 2.43% dominance, while its 90-day performance showed a 37.62% decline.

A confidential TD Cowen analysis indicates U.S. cryptocurrency market structure legislation might not be passed until 2027, with implementation possibly extending to 2029, due to political divisions and conflict-of-interest concerns. Some lawmakers, including Senate Banking Committee Chair Tim Scott, still point to progress toward an early 2026 markup, underscoring disagreement over the timeline. The uncertainty comes as Bitcoin trades above $93,000 and market participants look for clearer regulatory signals.

Charles Schwab plans to introduce spot Bitcoin trading in the first half of 2026, with CEO Rick Wurster signaling confidence in the asset's long-term outlook despite recent market weakness. The firm has seen rising client engagement with crypto, and Bitcoin was priced at $87,883.45 with a $1.76 trillion market cap and a 27.86% 90-day decline as of January 1, 2026. Schwab's potential expansion into digital assets would add another major traditional financial institution to the growing list of crypto market participants.

On January 1, Justin Sun withdrew about $38 million in USDC from Lighter LLP after an earlier $200 million deposit, according to MLM Monitor. His subsequent acquisition of roughly 13.25 million LIT tokens represents 1.33% of total supply and 5.32% of circulating supply, prompting close market scrutiny as LIT trades near $2.60 with a market cap around $649 million.

On January 1, Neo co-founders Da Hongfei and Erik Zhang publicly traded allegations of financial mismanagement and asset control. The dispute intensified governance and transparency concerns, with community calls for audits and a rapid resolution. Market observers warned of potential valuation instability if the conflict remains unresolved.

The U.S. Senate Banking Committee, led by Chairman Tim Scott, plans to hold a markup on a digital asset market regulation bill in the second week of January 2026 after delays tied to DeFi concerns and a government shutdown. The proposal, Senate Bill 2669, would direct the SEC and CFTC to jointly define rules for classifying and overseeing digital assets such as Bitcoin and Ethereum, while Bitcoin trades around $87,753.05 with a market cap near $1.75 trillion.

On December 27, the Flow network suffered a major exploit that allowed attackers to mint a large volume of tokens, triggering a rapid response from Binance to freeze associated funds on its platform. The incident coincided with a sharp drop of about 40% in FLOW's value and, as of December 31, 2025, the token trades at $0.09 after a 48.95% weekly decline. Market data show Flow's capitalization around $142.64 million and a 43.73% fall in 24-hour trading volume to $24.57 million, while community figures have called on validators to pause transactions until a remediation plan is clarified.