Invest ideasNews
21 Jan 2026, 21:55
Tokenize ETF Shares: F/m Investments’ Bold SEC Proposal Could Transform Traditional Finance
BitcoinWorld Tokenize ETF Shares: F/m Investments’ Bold SEC Proposal Could Transform Traditional Finance In a landmark move for financial innovation, U.S. ETF manager F/m Investments has formally requested regulatory approval to tokenize ETF shares, specifically for its U.S. Treasury 3-Month Bill ETF (TBIL). This pivotal request, submitted to the U.S. Securities and Exchange Commission (SEC) in early 2025, represents the first formal application seeking relief for the tokenization of a registered investment company’s exchange-traded fund shares. Consequently, this proposal could bridge the established world of regulated securities with the evolving potential of distributed ledger technology. Decoding the Proposal to Tokenize ETF Shares F/m Investments’ detailed submission outlines a plan to record share ownership of its TBIL ETF on a permissioned blockchain ledger. This structure would fundamentally alter the mechanics of share transfer and settlement. Instead of relying solely on traditional clearinghouses, these processes would occur on-chain. The company emphasizes that this technological shift would not change the fundamental nature of the security. Each tokenized share will maintain identical characteristics to its traditional counterpart. Identical Rights: The same CUSIP identifier, voting power, and economic entitlements. Regulatory Compliance: Full operation within the Investment Company Act of 1940 framework. Oversight Preserved: Continued board governance, daily portfolio transparency, and independent third-party custody and auditing. This approach aims to enhance efficiency and accessibility while upholding the stringent investor protections of traditional funds. The permissioned ledger model, distinct from public blockchains like Ethereum, allows for controlled participation, addressing common regulatory concerns around security and anti-money laundering controls. The Broader Context of Asset Tokenization F/m’s initiative does not exist in a vacuum. It arrives amid a significant global trend toward the tokenization of real-world assets (RWA). Major financial institutions, including BlackRock and JPMorgan, have actively explored blockchain-based systems for bonds, private equity, and money market funds. However, applying this technology to a publicly traded, SEC-registered ETF within the U.S. regulatory perimeter marks a new frontier. The table below contrasts traditional and proposed tokenized ETF mechanics: Aspect Traditional ETF Proposed Tokenized ETF Ownership Record Centralized Depository (DTCC) Permissioned Blockchain Ledger Settlement Time T+2 (Trade date plus two days) Potential for Near-Instant (T+0 or T+1) Transfer Mechanism Brokerage & Clearinghouse Systems On-Chain Transaction Access & Divisibility Standard Share Units Potential for Fractional Ownership Regulatory Anchor Investment Company Act of 1940 Investment Company Act of 1940 This move follows the SEC’s approval of spot Bitcoin ETFs in January 2024, which demonstrated a cautious but evolving regulatory stance toward cryptocurrency-adjacent products. F/m’s request tests a different angle: using blockchain as a superior infrastructure for traditional securities, not merely as the basis for a novel asset. Expert Analysis on Regulatory Hurdles and Potential Legal experts following the SEC’s digital asset agenda note the significance of the request’s structure. “F/m is not asking to create a new product,” explains a former SEC attorney specializing in investment management. “They are asking for relief to use a new technological method for recording ownership of an existing, fully compliant product. This distinction is crucial. It frames blockchain as a utility, not the source of the asset’s value.” The firm’s emphasis on maintaining all existing investor protections and oversight mechanisms appears designed to alleviate common SEC concerns about market integrity and investor protection. Market analysts highlight potential impacts should the SEC grant approval. Primary benefits could include reduced operational costs, decreased settlement risk, and the possibility of 24/7 trading infrastructure. For investors, the most tangible early benefit may be the potential for fractional share ownership, making precise treasury bill exposure more accessible. However, the path forward involves rigorous scrutiny. The SEC will likely examine cybersecurity protocols, node governance of the permissioned ledger, interoperability with existing market infrastructure, and precise custody arrangements in extreme detail. Implications for the ETF and Digital Asset Industries The approval of this request would create a powerful precedent. Other ETF issuers could follow with similar applications for equity, fixed-income, or commodity-based funds. This could accelerate a industry-wide technological upgrade. Furthermore, it would establish a regulated blueprint for merging traditional finance with blockchain rails. Success here could spur more innovation in areas like programmable dividends or automated compliance checks embedded in the tokens themselves. Conversely, a rejection or a request for significant modifications would signal the SEC’s current limits on integrating distributed ledger technology into core securities markets. It would clarify the regulatory boundaries for other asset managers exploring similar concepts. The decision will serve as a critical indicator of whether U.S. financial regulation views blockchain primarily as a speculative threat or a viable operational improvement. Conclusion F/m Investments’ formal request to tokenize ETF shares represents a calculated and historic test of U.S. financial regulation’s adaptability. By seeking to apply blockchain technology to the bedrock of short-term government debt exposure through the TBIL ETF, the firm is pushing for a future where market efficiency and technological innovation coexist within a strong regulatory framework. The SEC’s response will not only determine the fate of this specific proposal but will also chart a course for the entire convergence of traditional finance and digital asset infrastructure. The move to tokenize ETF shares could ultimately redefine how ownership is recorded, transferred, and settled across global markets. FAQs Q1: What does it mean to tokenize an ETF share? Tokenization means creating a digital representation of an asset on a blockchain. For an ETF share, it involves issuing a digital token that corresponds to and confers the same ownership rights as a traditional share, but with ownership recorded and transfers processed on a distributed ledger. Q2: How is F/m’s proposal different from a Bitcoin ETF? A Bitcoin ETF holds Bitcoin as its underlying asset. F/m’s proposal involves taking an existing traditional ETF (which holds U.S. Treasury bills) and using blockchain technology to record ownership of its shares. The underlying asset remains U.S. government debt, not cryptocurrency. Q3: What is a permissioned blockchain ledger? A permissioned ledger is a blockchain network where participation is controlled. Only approved entities (like regulators, the issuer, authorized custodians, and brokers) can operate nodes or validate transactions. This contrasts with public, permissionless blockchains like Bitcoin, which are open to anyone. Q4: Would tokenized ETF shares be more risky for investors? According to F/m’s proposal, the tokenized shares would have the same protections as traditional shares, including board oversight, daily transparency, and third-party custody. The primary risk shift would be technological, relating to the security and resilience of the new blockchain infrastructure, which the SEC will rigorously assess. Q5: Could this lead to fractional ownership of ETF shares? Yes, one of the inherent potentials of blockchain-based tokens is divisibility. While the initial proposal may start with whole-share tokens, the technology could eventually enable investors to own precise fractions of a share, increasing accessibility and investment flexibility. This post Tokenize ETF Shares: F/m Investments’ Bold SEC Proposal Could Transform Traditional Finance first appeared on BitcoinWorld .
21 Jan 2026, 21:23
Shielded Labs Receives Major ZEC Grant From Winklevoss Twins
Tyler and Cameron Winklevoss have quietly written another check for privacy tech, sending 3,221 ZEC—worth about $1.2 million—to bolster independent development of the Zcash protocol. Winklevoss Twins Fund Zcash Protocol Work Outside Block Reward The donation, made in ZEC rather than fiat, was directed to Shielded Labs, a Switzerland-based team operating independently of the Zcash
21 Jan 2026, 21:15
Flow coin price prediction 2026-2032: Is FLOW a good investment?
Key takeaways: Flow coin price prediction for 2026 could reach a maximum value of $ 0.17. By 2029, FLOW could reach a maximum price of $0.52. In 2032, FLOW will range between $0.58 to $0.85. Flow coin, the native token of the Flow blockchain created by Dapper Labs, is essential for powering decentralized applications (dApps) and digital assets. Flow aims to provide a high-performance, user-friendly platform that tackles scalability without sacrificing decentralization. Its unique architecture allows developers to build secure and efficient smart contracts. FLOW, its native token, has several key uses within the ecosystem, including paying transaction fees, staking, and participating in network governance. The growing number of dApps and users on the platform drives demand for Flow coin, influencing FLOW’s price movements. Given Flow coin’s strong fundamentals and growing support levels in the ecosystem, the question arises: how high can FLOW go? What will FLOW price be in 2026? Overview Cryptocurrency Flow Token FLOW Price $0.08259 Market Cap $135.20M Trading Volume $26.34M Circulating Supply 1.634B FLOW All-time High $46.16 (April 05, 2021) All-time Low $0.074 (Jan 2, 2026) 24-hour High $0.08442 24-hour Low $0.07991 Flow coin technical analysis Metric Value Volatility (30-day Variation) 28.38% (Extremely High) 50-Day SMA $0.1494 14-Day RSI 35.88 (Neutral) Sentiment Bearish Fear & Greed Index 24 (Extreme Fear) Green Days 11/30 (37%) 200-Day SMA $0.2910 Flow coin (FLOW) price analysis TL;DR Breakdown FLOW is oversold and stabilizing, but not reversing yet. $0.069–$0.070 is critical support; losing it risks further price drops. Only a reclaim above $0.078–$0.086 would shift momentum to the bullish side. Flow coin 1-day price analysis On the daily timeframe for January 21, FLOW is trading around $0.074–$0.075 after printing a modest +2.8% green session. Still, this bounce comes after a sustained selloff from the $0.097 area, marking roughly a 24% drop from the most recent swing high. The price remains below the descending 20-day SMA and is capped by the mid-Bollinger Band near $0.086, confirming that the dominant trend is still bearish. FLOWUSDT 1-day price chart by TradingView The RSI is deeply oversold at 22, signaling seller exhaustion rather than a trend reversal, while the MACD is attempting to flatten but remains below the signal line, suggesting downside momentum is slowing, not flipping. As long as FLOW holds above the $0.069–$0.070 demand zone, short-term stabilization is possible, but any daily close below $0.069 would expose $0.060 quickly. Flow coin 4-hour price analysis On the 4-hour chart, FLOW is compressing around $0.074 after a sharp breakdown from the $0.085 region, a move of roughly −13% in less than two days. The coin is still trading below the Alligator ribbons, confirming bearish structure, yet selling pressure is losing intensity as OBV starts to flatten and CMF turns slightly positive around +0.02, suggesting marginal capital inflows at these lows. FLOWUSDT 4-hour price chart by TradingView The inability to reclaim $0.076–$0.078 keeps upside capped, while repeated defenses of $0.072 indicate buyers are active but cautious. A clean reclaim of $0.078 would open a relief push toward $0.082, whereas failure here risks another sweep of $0.070. FLOW technical indicators: Levels and action Daily simple moving average (SMA) Period Value Action SMA 3 $0.08337 SELL SMA 5 $0.08718 SELL SMA 10 $0.09170 SELL SMA 21 $0.09902 SELL SMA 50 $0.1494 SELL SMA 100 $0.2067 SELL SMA 200 $0.2910 SELL Daily exponential moving average (EMA) Period Value Action EMA 3 $0.09243 SELL EMA 5 $0.09269 SELL EMA 10 $0.09852 SELL EMA 21 $0.1209 SELL EMA 50 $0.1683 SELL EMA 100 $0.2215 SELL EMA 200 $0.2893 SELL What to expect from Flow? FLOW is likely to chop and attempt a short-term relief bounce from oversold conditions, but unless key resistance is reclaimed, this remains a corrective pause within a broader bearish trend rather than a trend reversal. Is FLOW a good investment? Flow coin has potential as an investment due to its strong partnerships with major brands and its focus on powering decentralized applications, especially in the NFT and gaming spaces. However, like all cryptocurrencies, it carries significant volatility and risks, so investors should carefully consider market conditions and risk tolerance before investing. Will FLOW reach $1? The $1 price mark is within range, having reached that level in early December 2024. Renewed buyer interest could push FLOW to $1 and above in the coming years. Will FLOW reach $5? This level has not been achieved since February 2022. For FLOW to recapture the $5 levels, significant cash inflows will be required. Can FLOW reach $50? FLOW has previously reached an all-time high (ATH) of $46.16, so reaching $50 is achievable. However, a significant bull run and tangible ecosystem updates are required to achieve this feat, as the coin is currently 98% below its ATH. Is Flow a good blockchain? Flow is a solid blockchain, especially for gaming and NFTs. It is designed for scalability, fast transactions, and low fees. The network’s unique multi-role architecture improves efficiency without compromising decentralization. However, it faces fierce competition, and adoption levels are not as high as those of Ethereum and Solana. Does FLOW have a good long-term future? Projections suggest substantial growth over the coming years, with a potential peak of $1-$2 by 2032. This positive outlook reflects a strong potential for sustained value appreciation and continued market relevance. Recent news/opinion on Flow A security incident was reported on Flow. Currently, the network has performed a chain restart and recovery. Updates below: Isolated Recovery Complete – Counterfeit FLOW Recovered This morning, the final recovery of outstanding counterfeit FLOW from remaining centralized exchanges, including Binance and HTX, was executed by the Community Governance Council. As of today, all counterfeit FLOW traced by… https://t.co/3SNXwXfdkU — Flow.com (@flow_blockchain) January 12, 2026 UPDATE: TECHNICAL POST-MORTEM STATUS The final draft of the comprehensive technical post-mortem is complete and currently undergoing expert review with external security researchers and forensic firms. REVIEW PROCESS Due to the complexity of the attack surface and the… — Flow.com (@flow_blockchain) January 4, 2026 This is the verified update from the Flow Foundation. INCIDENT CONFIRMED On December 27, 2025, an attacker exploited a vulnerability in Flow's execution layer and moved approximately $3.9M in assets off-network before validators executed a coordinated halt. Critically, this… https://t.co/KEXzo0w8as — Flow.com (@flow_blockchain) December 27, 2025 Flow coin price prediction January 2026 According to expert opinion, the Flow predictions for January 2026 indicate a minimum price of $0.075, an average price of $0.101, and a maximum price of $0.125. FLOW price prediction Minimum Price Average Price Maximum Price FLOW price prediction January 2026 $0.075 $0.101 $0.125 Flow price prediction 2026 The price of Flow in 2026 is expected to range from a minimum of $0.07 to a maximum of $0.17, with an average price of $0.10. FLOW price prediction Minimum Price Average Price Maximum Price FLOW price prediction 2026 $0.07 $0.10 $0.17 Flow coin price predictions 2027 – 2032 Year Minimum Price Average Price Maximum Price 2027 $0.18 $0.24 $0.30 2028 $0.26 $0.33 $0.41 2029 $0.34 $0.43 $0.52 2030 $0.42 $0.52 $0.63 2031 $0.50 $0.61 $0.74 2032 $0.58 $0.71 $0.85 Flow coin price prediction 2027 Flow network price predictions for 2027 suggest a prevailing bullish market sentiment. Investors can anticipate a maximum price of $0.30, a minimum price of $0.18, and an average market price of $0.24. Flow coin price prediction 2028 Investors could see notable upside based on the 2028 Flow coin price prediction. Expert projections anticipate the asset’s price reaching a peak of $0.41, maintaining an average price of $0.33, and a minimum price of $0.26. Flow coin price prediction 2029 The Flow cryptocurrency price prediction for 2029 suggests a maximum trading price of $0.52, an average price of $0.43, and a minimum price of $0.34. Flow price prediction 2030 The Flow price forecast points to continued appreciation in 2030, with a projected peak price of $0.63. Additionally, traders can expect an average FLOW price of $0.52 and a minimum price of $0.42. Flow crypto price prediction 2031 The Flow prediction for 2031 suggests a maximum trading price of $0.74, an average price of $0.61, and a minimum price of $0.50. Flow coin price prediction 2032 Flow’s price prediction indicators for 2032 point to a potential peak of $0.85, a minimum price of $0.58, and an average trading price of $0.71. Flow coin price prediction 2026 – 2032 Flow coin market price prediction: Analysts’ FLOW price forecast Firm Name 2026 2027 Changelly $0.341 $0.475 DigitalCoinPrice $0.17 $0.23 Cryptopolitan’s FLOW price prediction Cryptopolitan’s FLOW forecast highlights a positive outlook over the coming years. For 2026, the coin is expected to range from $0.1 to $0.8. By 2029, the Flow price forecast suggests the coin could reach as high as $4 while maintaining an average price of $2.52. Looking forward to 2032, investors can expect FLOW to reach a maximum price of $5.2 and an average price of $3.30. Flow coin historic price sentiment FLOWUSDT price history by Coin gecko FLOW coin showed early potential in 2020, with prices ranging from $0.30 to $29.96 and closing the year at $9.75. In 2021, the price peaked at $46.16 in March but declined to $8.8 by year-end. The volatility continued in 2022, fluctuating between $1.5 and $8.11, with a close at $2.71. In 2023, the price ranged from $0.4372 to $1.27, closing at $0.8994. The coin started in 2024 at $0.6538 and $1.69, experiencing highs and lows before stabilizing at $0.58 – $0.61 by August. In September, FLOW reached $0.6367; in October, it traded between $0.5073 and $0.5175. In November 2024, Flow reached a peak price of $1.0242; in December, it reached a maximum price of $1.271 and closed the year at $0.697. In January 2025, FLOW maintained a range of $0.599 – $0.851; in February, it peaked at $0.555; in March, it dipped, trading between $0.3739 and $0.3899. April and May showed some gains, with FLOW reaching as high as $0.4161 and $0.4765, respectively. Prices were flat in June, maintaining a trading range of $0.2915 and $0.3996. Flow coin made some gains in July, hitting a high of $0.458. In August, FLOW saw a minimum price of $0.3465 and a maximum price of $0.4503. In September, Flow averaged $0.390. In October, the coin maintained a trading range between $0.1569 – $0.3839. In November, FLOW traded between $0.2157 – $0.2987, and in December, the coin traded between $0.0822 – $0.2255. In January 2026, FLOW is trading between $0.07991 and $0.08442.
21 Jan 2026, 20:43
Aave Hands Lens Control to Mask Network, Refocuses on DeFi
Aave AAVE , a decentralized finance (DeFi) protocol, has handed over the leadership of its social protocol, Lens, to Mask Network .
21 Jan 2026, 20:11
Ripple President: Half of Fortune 500 to Adopt Crypto in 2026
Ripple President Monica Long has said that about half of Fortune 500 companies will adopt formal crypto or digital asset treasury strategies in 2026, pointing to stablecoins, tokenized assets, and custody as main areas of use. She framed crypto less as a trading product and more as financial infrastructure that large firms are beginning to treat as part of routine operations. Institutional Crypto Shifting From Pilots to Production Long shared her outlook in a series of posts on X published on January 20, alongside a longer essay on Ripple’s website released the same day. She argued that banks and corporates are moving past limited trials and into production use, especially for stablecoins used in settlement, on-chain assets, and custody services. According to her, stablecoins are becoming embedded in payment flows as firms look for faster settlement and better liquidity management. Long cited growing involvement from payment firms such as Visa and Stripe, which have integrated stablecoins into parts of their systems. She also pointed to U.S. regulatory changes, including the passage of the GENIUS Act, as a factor that has given institutions clearer rules around dollar-backed crypto assets. Ripple’s own push into this area includes Ripple USD and its conditional approval from the Office of the Comptroller of the Currency to form a national trust bank. On corporate balance sheets, the Ripple executive said crypto exposure is broadening beyond Bitcoin holdings. She expects companies to hold stablecoins, tokenized treasuries, and other on-chain instruments as part of their structured treasury strategies. A 2025 Coinbase survey found that 60% of Fortune 500 firms were already working on blockchain initiatives, while more than 200 public companies held BTC at the end of last year. ETFs, Custody, and Consolidation to Shape the Next Phase Long’s comments have landed at a time when institutional access to crypto is widening through exchange-traded funds (ETFs). For example, Ethereum and Solana ETFs registered record trading volumes in early January 2026, showing sustained activity rather than brief spikes. Meanwhile, asset managers are also expanding product lines, with Bitwise filing for 11 single-asset altcoin ETFs on December 31, 2025, covering DeFi tokens, layer-1 networks, and AI-linked projects. These products match up with Long’s view that while ETFs are a small slice of the broader market, they act as a gateway for institutions that need familiar structures. She also linked adoption to changes in custody. Crypto mergers and acquisitions reached $8.6 billion in 2025, with custody services drawing increased attention as banks face pressure to spread risk across multiple providers. Long expects more than half of the world’s top 50 banks to formalize new custody relationships in 2026. She also said blockchain systems will increasingly work alongside automation tools, allowing treasuries and asset managers to manage liquidity and collateral on a continuous basis. While these forecasts remain projections, they reflect a growing consensus among large crypto firms and investors that institutional use is now shaping how the sector develops. The post Ripple President: Half of Fortune 500 to Adopt Crypto in 2026 appeared first on CryptoPotato .
21 Jan 2026, 20:00
Saga EVM has been hacked for a total of $6.8M
Saga was the latest project to be targeted in a DeFi hack for January. The platform lost several tokens, with $6M in ETH. Saga EVM was exploited, resulting in a loss of at least 2,000 ETH valued at around $6M and the halting of the network. The exploit is among the emerging significant attacks against DeFi, which accelerated in 2025 and continued into the new year. The exploit originated in Saga’s own infrastructure, and did not come from the Oku or Uniswap exchanges, which carry some of Saga’s assets, per reports. We’re aware of the incident on Saga and are monitoring closely. Initial findings indicate the issue originated at Saga’s core infrastructure, not Oku or the Uniswap contracts. The Saga EVM is currently halted, and there’s no action required from users until the chain resumes.… https://t.co/VEmq6WmEC7 — Oku 🐼 (@okutrade) January 21, 2026 The Saga attack involved the unauthorized minting of Saga Dollar (D) tokens. The attacker bridged the tokens to Ethereum, managed to buy over 2,000 ETH, while trading the remaining stablecoins through Uniswap V4. The total losses are estimated at $6.8M, as new D stablecoins were minted without any real collateral. Saga pauses protocol for investigation Saga suffered more than the direct loss, as the protocol’s TVL crashed from over $36M to $21M. Immediately after the exploit, Saga paused all activities to investigate the vulnerability. SagaEVM has been paused at block height 6593800 in response to a confirmed exploit on the SagaEVM chainlet. Mitigation is underway, and the team is fully focused on a solution. Further updates will follow once details are confirmed. — Saga ⛋ (@Sagaxyz__) January 21, 2026 Unauthorized token minting is one of the common exploits, which may be due to a smart contract bug. The contract was intended to bridge assets between Saga and Ethereum, allowing the hacker to withdraw more than the available balance of stablecoins. The ETH from the exploit is still held in a single address and has not been moved or mixed. The exploiter still holds a remaining D stablecoin balance of over $12M, in addition to smaller amounts of tokens . Saga lost over 42% of its total value locked, due to the direct hack and the de-pegging of Saga Dollar (D) stablecoins down to $0.75 from a usual range of $1. | Source: DeFi Llama The stalled Saga protocol means the attacker cannot trade any more D stablecoins on the native chain. However, the protocol and the chain are now frozen and may take a while to recover their value locked in apps and the platform’s DeFi market share. Saga Dollar de-pegs after the exploit Following the exploit, the relatively illiquid D stablecoin de-pegged and fell to all-time lows. The asset crashed to $0.75, further damaging the project’s stability and reputation. D was launched in early December 2025, expanding its supply to over 6M tokens. The asset was only traded on Saga’s internal Oku Trade market. Saga also has a native version of Uniswap, which allowed the hacker to cash out some of the stablecoins. Following the exploit, the Saga version of Uniswap lost most of its value locked. D is the only stablecoin on Saga, with no other bridged assets. The network is yet another relatively new launch, which suffered an exploit while still growing its DeFi sector. SAGA tokens were already trading near an all-time low, and sank further to $0.053 after the announcement of the exploit. The tokens have been sliding since their launch in May 2024. Want your project in front of crypto’s top minds? Feature it in our next industry report, where data meets impact.
