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12 Feb 2026, 16:10
Earning Yield on Crypto in 2026: Crypto Saving Accounts with Most Competitive APYs
Crypto savings accounts have matured. In 2026, earning yield on BTC, ETH, stablecoins, and even EUR is no longer experimental. What matters now is structure: how interest is generated, how predictable it is, and how much access you retain to your assets. This review compares four platforms offering competitive APYs — Clapp, Bitget, Coinbase, and YouHodler — focusing on yield levels, liquidity, and overall usability. Clapp: Competitive Fixed APR and Flexible Daily Yield Clapp is a EU-regulated crypto investment platform that offers both flexible and fixed savings accounts, allowing users to choose between liquidity and guaranteed returns. Its flexible savings accounts provide daily compounding with instant access and no lockups. Users earn interest on BTC, ETH, USDT, USDC, and EUR, with APYs clearly displayed in the app and no loyalty tiers or promotional “up to” language. For users willing to commit funds, Clapp’s fixed savings accounts offer some of the most competitive guaranteed rates currently available: EUR, USDT, USDC: up to 8.2% APR ETH: up to 6% APR BTC: up to 5% APR Terms range from 1 to 12 months, with longer commitments earning higher APR. The rate is locked at sign-up and remains fixed for the entire term. Early withdrawal forfeits interest but returns principal. Clapp’s structure appeals to two types of users: those who want daily liquidity and those who prefer guaranteed returns. The ability to choose between the two makes it adaptable to different portfolio strategies. From a regulatory standpoint, Clapp operates as a registered VASP in the Czech Republic under EU AML standards, with institutional-grade custody infrastructure supporting asset security. Bitget: Broad Asset Support with Flexible and Fixed Earn Products Bitget offers a wide range of earn products integrated into its exchange ecosystem. Users can access both flexible savings and fixed-term deposits across numerous cryptocurrencies. Flexible products allow withdrawals at any time, with variable rates depending on demand. Fixed-term products offer higher APYs for defined lockup periods. Bitget’s strength lies in asset breadth — users holding diverse portfolios may find it convenient to manage savings within the same account used for trading. However, rates can fluctuate, and some higher yields are promotional or capped by deposit limits. Users should review terms carefully to understand how sustainable an advertised APY is. Coinbase: Regulated Simplicity and Staking-Based Yield Coinbase positions itself around compliance and ease of use. Its yield offerings are primarily staking-based for supported Proof-of-Stake assets and interest rewards on select stablecoins. Yields tend to be more conservative compared to platforms offering fixed-term savings. The focus is on simplicity, regulatory clarity, and alignment with network rewards rather than maximizing APR. Coinbase is suited for users who prioritize platform reputation and regulatory transparency over top-tier yield. YouHodler: Higher Yield Potential with Multi-Product Structure YouHodler offers competitive rates on stablecoins and selected cryptocurrencies, often higher than exchange-based flexible accounts. The platform combines savings, lending, and structured products, creating multiple avenues for yield generation. Flexible savings options are available, but higher rates may depend on promotional structures or additional platform features. The product suite is broader and more complex compared to straightforward savings accounts. YouHodler may appeal to yield-focused users comfortable navigating a more feature-rich environment. Comparing APY, Liquidity, and Structure In 2026, competitive APY alone does not define value. The key considerations are: Is the rate guaranteed or variable? Are funds locked or accessible? Are yields tiered or transparent? Is the product simple or tied to ecosystem incentives? Clapp distinguishes itself by combining competitive fixed APR (up to 8.2%) with fully flexible daily savings, giving users a structural choice. Bitget offers ecosystem convenience and variety. Coinbase emphasizes compliance and staking simplicity. YouHodler targets higher-yield seekers with broader financial tools. Crypto Savings Accounts 2026 Feature Clapp Bitget Coinbase YouHodler Savings Types Flexible + Fixed Flexible + Fixed Staking + Rewards Flexible + Structured Maximum Stablecoin APR Up to 8.2% (fixed) Varies (often promotional) Moderate Competitive (varies) BTC APR Up to 5% (fixed) Variable Staking not available for BTC Competitive (varies) ETH APR Up to 6% (fixed) Variable Staking-based yield Competitive Flexible Option Yes (daily compounding) Yes Limited (staking model) Yes Guaranteed Rate Option Yes (fixed-term) Yes (fixed-term) No Limited Liquidity (Flexible) Instant access Usually instant Staking withdrawal delays possible Generally accessible Rate Transparency Clearly displayed, no tiers May include caps/promos Transparent but conservative May include conditions Minimum Deposit (Fixed) ~250 USD equivalent Varies None for staking Varies Best For Balanced yield + structure Asset diversity Regulated simplicity Yield-focused users Final Thoughts Crypto savings accounts in 2026 are no longer about experimental yield. They are structured financial products with clear trade-offs. The most competitive APYs are found in fixed-term commitments, while flexible savings prioritize access. Platforms like Clapp that offer both structures provide more strategic flexibility for crypto holders. Choosing the right savings account is less about chasing the highest number and more about aligning yield, liquidity, and risk with your holding strategy. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.
12 Feb 2026, 15:40
Crypto OTC Desks ‘Tool for Tax Evaders and Money Launderers’: J5
The Joint Chiefs of Global Tax Enforcement have flagged crypto OTC desks as a growing risk to preventing illicit financial transactions.
12 Feb 2026, 14:56
Why Is Bitcoin Stuck Below $70K? Key BTC Resistance to Watch
Bitcoin continues to struggle below the $70,000 threshold, trading in a narrow range between $67,740 and $68,020 as of February 12. Despite multiple attempts to regain upside momentum, price remains capped beneath key resistance, keeping the broader structure corrective rather than bullish. Outset PR , a crypto-native firm that blends data analysis with communication strategy, powers this piece. With a sharp eye on trends and timing, Outset PR helps blockchain projects convert critical moments into enduring visibility. Bitcoin Stuck Near Critical Fibonacci Level Technically, Bitcoin is hovering near the 78,6% Fibonacci retracement level at $68,160.49, which now acts as pivotal support. Price consolidation around this level suggests the market is at an inflection point rather than expansion. Momentum indicators reinforce the tension. The RSI at 30.22 sits just above oversold territory. Readings near 30 often precede short-term relief rallies, but only if the indicator stabilizes rather than breaks lower. Source: coinmarketcap The immediate trigger for conviction is whether RSI can sustain above 30. A decisive drop below that threshold would reinforce bearish continuation. Why $70K Remains Out of Reach The inability to break above $70,000 reflects insufficient follow-through from buyers rather than a single failed breakout attempt. Bitcoin remains compressed beneath its next major resistance — the 61,8% Fibonacci retracement near $74,508. For Bitcoin to reclaim $70K convincingly, it must first establish firm footing above the $68,160 support zone and generate renewed momentum. Without sustained spot demand or improved sentiment, upside attempts are likely to stall. Key Levels Define the Immediate Structure The near-term setup revolves around one critical level: Holding above $68,160 opens the door for a relief rally toward $74,508. Breaking below $68,160 would expose the recent swing low near $66,700, increasing downside risk. The structure remains reactive, with momentum and liquidity determining direction. Why Market Context Shapes the Narrative Periods of tight ranges near major resistance levels often coincide with heightened market focus. When Bitcoin compresses under key thresholds like $70K, attention concentrates on technical triggers, momentum signals, and capital flows. In such environments, messaging that aligns with real-time market structure carries more weight than generic commentary. Timing and relevance become critical, especially when sentiment hovers near oversold extremes. How Outset PR Aligns Messaging With Market Momentum Outset PR applies a data-driven approach designed to synchronize crypto narratives with prevailing market conditions. The agency structures campaigns around measurable momentum shifts rather than static positioning. Beyond monitoring on-chain flows, Outset PR tracks media trendlines and traffic distribution using its proprietary Outset Data Pulse intelligence. This enables campaigns to be timed around key market inflection points — such as major resistance tests, oversold conditions, or ETF flow changes. A core component of this framework is the Syndication Map , an internal analytics system identifying publications that generate the strongest downstream distribution across platforms like CoinMarketCap and Binance Square. This approach amplifies visibility precisely when market attention intensifies around pivotal levels. By ensuring campaigns are market-fit and data-aligned, Outset PR helps projects remain relevant when audiences are most focused on structure, momentum, and risk. Short-Term Bias: Cautiously Bullish Within a Corrective Trend Bitcoin’s short-term bias leans cautiously bullish for a relief bounce, provided support holds and RSI stabilizes. However, the broader trend remains corrective until higher resistance levels are reclaimed. For now, $68,160 defines the battleground, while $70K remains the psychological barrier the market has yet to overcome. Confirmation will come not from headlines, but from sustained momentum and capital inflows. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.
12 Feb 2026, 14:52
Trump-linked World Liberty to launch forex remittance platform amid controversies
World Liberty Financial, a crypto project backed by members of the Trump family, said it plans to launch a foreign exchange and remittance platform aimed at lowering the cost of cross-border money transfers. Speaking at the Consensus conference in Hong Kong, co-founder Zak Folkman detailed plans to utilise the project’s proprietary USD1 stablecoin to facilitate cross-border transfers through a platform dubbed World Swap, Reuters reported on Feb. 12. Without disclosing an official date, he said the firm will launch the platform soon. The platform aims to bypass traditional banking intermediaries, which Folkman claims “heavily tax” global money movement, by connecting users directly to debit cards and bank accounts with fees that are purportedly a fraction of the current industry standard. Folkman said more than $7 trillion moves globally between currencies each year and argued that traditional financial intermediaries extract significant fees from those flows, positioning World Swap as a lower-cost alternative to incumbent providers. World Liberty Financial is building the service as part of its broader push into decentralised finance using its USD1 stablecoin, which the firm launched last year. Further, it closely follows the launch of World Liberty Markets, a lending platform designed to drive usage of its USD1 stablecoin. Folkman said that the lending platform has recorded $320 million in lending activity and more than $200 million borrowed within four weeks of launch. World Liberty comes under scrutiny The launch of World Swap comes at a precarious time, as the project is currently embroiled in a high-profile controversy regarding a secret $500 million investment from United Arab Emirates entities. Reports from early February 2026 indicate that Aryam Investment 1, a firm controlled by Sheikh Tahnoon bin Zayed Al Nahyan, the UAE’s national security advisor, purchased a 49% stake in the venture just days before President Trump’s second inauguration. The deal, which allegedly steered $187 million directly to Trump family entities, has sparked intense debate over whether foreign capital is being used to gain leverage over US policy, particularly concerning semiconductor export licenses to the UAE-based AI firm G42. The political fallout has been swift, with Representative Ro Khanna and the House Select Committee on the CCP launching formal investigations into the project. Lawmakers are scrutinising the timeline of the UAE investment alongside the Trump administration’s recent easing of restrictions on advanced AI chips for Emirati firms. Critics and ethics experts argue the arrangement may violate the Foreign Emoluments Clause of the Constitution, suggesting that the president’s personal financial interests are being “subordinated” to national security. The committee has demanded that WLFI’s leadership provide full capitalisation tables and internal communications by March 1, 2026. President Trump directly addressed the controversy surrounding the secret $500 million investment from the United Arab Emirates. During a press conference at the White House, Trump denied any personal knowledge of the deal. WLFI rallies Despite the mounting legal and ethical pressure, the WLFI token has seen a sudden and aggressive price rally. While the token spent much of 2025 in a slump, down over 50% from its initial highs, the announcement of the World Swap platform and the success of its lending arm, World Liberty Markets, triggered a fresh wave of speculative interest. At press time, the token was up over 6% in the past 24 hours. Market analysts suggest that the “institutionalisation” of the project through major UAE backing, despite the controversy, has ironically signalled to some investors that the platform is “too big to fail.” The post Trump-linked World Liberty to launch forex remittance platform amid controversies appeared first on Invezz
12 Feb 2026, 14:33
Red flags raised as Trump throttles US tech curbs on China for rare earth gains
The White House has reportedly stopped several security actions targeting Chinese tech firms just weeks before President Donald Trump visits Beijing in April. The move affects planned restrictions on China Telecom, TP-Link routers, and Chinese equipment in American data centers, as four unnamed officials familiar with the decisions told Reuters. The decision follows a pattern that started last year. In December 2025, the Trump administration reversed Biden-era limits on Nvidia H200 chip sales to China, instead creating a 25% revenue-sharing arrangement with the U.S. government. Then in January 2026, the controversial TikTok deal closed with ByteDance keeping 19.9% ownership and control over the app’s core algorithm. Now comes another retreat. The government has put on hold bans affecting China Unicom and China Mobile’s internet services in America. Restrictions on Chinese-made electric trucks and buses are also paused. These measures were designed to stop Beijing from accessing sensitive American information and prevent sabotage of critical infrastructure, two sources explained. The reason appears clear: rare earth minerals. China imposed tough export controls on these materials in October 2025, threatening tech manufacturing worldwide. During a trade meeting between Trump and Chinese President Xi Jinping that same month, Beijing agreed to delay a second wave of restrictions until November 2026. America needs these minerals badly. Without them, everything from smartphones to fighter jets stops getting built. “At a moment when we are desperately trying to remove ourselves from Beijing’s leverage over rare-earth supply chains, it is ironic that we’re actually letting Beijing acquire new areas of leverage over the U.S. economy, in telecoms infrastructure, in data centers and AI, and EVs,” said Matt Pottinger, who worked as deputy national security advisor during Trump’s first term. _*]:min-w-0 gap-3"> Commerce Department shifts focus away from China The Commerce Department says it continues using its powers to “address national security risks from foreign technology.” But inside the agency, instructions changed after the October trade deal. Staff members responsible for watching foreign tech threats were told to “focus on Iran and Russia” instead, two sources revealed. Last month, the department removed the woman leading that office. Her replacement, Katelyn Christ, might bring back some measures if the April summit goes poorly, one source suggested. Trump’s recent Truth Social post reveals the complete transformation in his approach to China. “The relationship with China, and my personal relationship with President Xi, is an extremely good one, and we both realize how important it is to keep it that way,” he wrote , adding that he believed “there will be many positive results achieved over the next three years of my Presidency” with Xi. This stands in stark contrast to his furious October post, when China first announced rare earth export controls. Back then, Trump threatened “massive” tariffs and called China’s actions “hostile,” even suggesting he might cancel his planned meeting with Xi. But just months later, after China agreed to delay the second wave of rare earth restrictions, Trump’s tone shifted entirely. House Foreign Affairs Committee Chairman Brian Mast held hearings in January 2026 about the H200 chip sales, introducing the “AI Overwatch Act” to require congressional review of such deals. Pottinger called the chip policy “a mistake that needs reversing” and said it “signals weakness.” American data centers are growing fast. Real estate firm Jones Lang LaSalle expects U.S. data center capacity to jump 120% by 2030. David Feith, who served in both Trump administrations, warns that Chinese hardware in these facilities creates major security problems. American data centers could become “remotely controlled islands of Chinese digital sovereignty,” he said, as the country builds “strategic vulnerabilities into our AI and energy backbone.” April summit holds the key TP-Link, which split from its Chinese parent company in 2024, insists it operates as an independent American business. The California company says its software is managed in the U.S., data stays on U.S. servers, and security follows American standards. “Any suggestion that we are subject to foreign control or pose a national security risk is categorically false,” the company stated. Trump plans to visit Beijing in April and has invited Xi to visit America later this year. Wendy Cutler, formerly with the U.S. trade office and now at the Asia Society Policy Institute, said the administration clearly wants “stabilization” with China. The Chinese government has made it clear that it means stopping export controls and tech restrictions, she explained. With Trump’s Beijing visit approaching, “I would not expect the issuance of more controls,” Cutler said, pointing to China’s threat of cutting off rare-earth exports. “Not only does it have leverage, it is willing to use it. It ties the president’s hands.” If April talks go well, these measures might stay shelved indefinitely. The Department of Defense already invested $400 million in MP Materials to reduce dependence on Chinese rare earths, suggesting some officials see the vulnerability. Earn 8% CASHBACK in USDC when you pay with COCA. Order your FREE card.
12 Feb 2026, 14:11
Russia extends firewall to limits amid censorship of Telegram, WhatsApp, and YouTube
The full blocking of WhatsApp in Russia is linked to the nation’s firewall running out of capacity amid attempts to slow down Telegram, experts in the field suggest. Besides the two messengers, Russian authorities are also cutting traffic to YouTube, overloading the technology employed by the state to censor internet for its citizens. Russia extends itself to block massive online content and communication The sudden and complete restriction of access to the popular messenger WhatsApp and YouTube in Russia is likely related to efforts to slow down Telegram, local media unveiled, quoting specialists with knowledge of how the system works. Russia’s telecom watchdog, Roskomnadzor, removed the WhatsApp domain from its DNS servers on Wednesday, effectively preventing the use of Meta’s messaging service in the country. It appears it did that also with Google’s video sharing platform a day earlier. The domains have been deleted from the National Domain Name System (NDNS), established after the adoption of the so-called “sovereign internet” law. Under the legislation, the Federal Service for Supervision of Communications, Information Technology and Mass Media (Roskomnadzor) is responsible for enforcing the Russian equivalent to the Chinese framework for internet control. The strategy is the same in both case, so is the reason which is of technical nature, according to Dzhemali Avalishvili, managing director of the infrastructure integrator Ultimatek, who commented on the latest developments for RBC. Quoted by the Russian business news portal, Avalishvili explained further: “There’s only one reason, and it’s technical – the TSPU equipment is operating at the limit of its capacity.” The TSPU (Technical Means of Counteracting Threats) devices are deployed at internet service providers to allow them to throttle or block internet traffic to targeted platforms. In comparison with China’s “Great Firewall,” which operates on a national level, Russia’s solution allows for more precise, highly targeted and geographically defined restricting. However, the Russian system isn’t built to last, Avalishvili pointed out, and is running out of resources now when it has to deal with multiple and widely used platforms. He elaborated: “The infrastructure simply can’t handle simultaneously squashing YouTube, Telegram, and WhatsApp. It’s like trying to run three heavy apps on an old laptop.” Targeting Telegram is harder and requires resources that Russia doesn’t have Slowing down Telegram is much harder than in the case of all of the other affected services and websites, the expert emphasized. He highlighted that tech entrepreneur Pavel Durov’s messenger has stronger security and more experience with previous attempts to block it in other countries. Avalishvili added that Telegram’s unique architecture relies on a distributed infrastructure of mirrors and content delivery networks (CDNs). “Its encryption protocol is designed to make deep packet inspection (DPI) as difficult as possible. To slow down Telegram, you need to deploy colossal computing power,” he detailed. The privacy-oriented messenger has tens of millions of users in Russia, and not only among citizens and businesses, but also government institutions and other organizations. Almost everyone in the country has the messenger installed on their smartphones, logging in several times a day to read and write, chimed in Alexey Uchakin, an independent telecom market specialist. “This represents a huge amount of traffic and a huge number of connections from end-user devices to Telegram servers. The messenger has learned to bypass many standard blocking mechanisms.” While WhatsApp used to be more popular in the Russian Federation, it never significantly modernized its infrastructure to successfully circumvent Moscow’s restrictions, he noted, agreeing that blocking Telegram is definitely harder. He is convinced that Roskomnadzor is removing the domains of previously restricted services to “clear up resources to slow down Telegram.” In a broad interview with the official TASS news agency, the Kremlin’s spokesman Dmitry Peskov insisted that the messenger must comply with Russia’s laws and ensure protection for its citizens, before the restrictions are removed, although some say Moscow has already made up its mind about its future. President Putin’s press secretary set similar conditions for resuming WhatsApp’s full services in Russia, where its parent company, Facebook’s owner Meta, has been designated as an “extremist” organization. He accused the latter of lacking the willingness to engage in dialogue with Russian authorities on the matter. Roskmonadzor limited voice calls through both apps in August, alleging they were increasingly being used by fraudsters and extremists. The measures against them seem to be part of a campaign to make Russians use a state-approved alternative called Max , which critics say can be used for surveillance and censorship. The smartest crypto minds already read our newsletter. Want in? Join them .
