Invest ideasNews
25 Jan 2026, 20:00
Colombia Pension Giant Takes First Step Into Bitcoin – Details
AFP Protección, Colombia’s second-largest private pension manager, is preparing a new product that will give some savers a way to gain exposure to Bitcoin. Reports say the move will be limited, targeted and tied to advisory checks rather than open to every account holder. Bitcoin As An Option For Qualified Savers Reports note the fund will be offered only to investors who meet a risk profile and pass a tailored advisory process. That means access won’t be automatic; it will be conditional on an assessment meant to match a person’s tolerance with a small, optional slice of crypto. The product is designed for long-term allocation and not for quick trading or speculation, according to market coverage. AFP Protección’s executives emphasized that core pension portfolios will remain focused on traditional assets such as bonds and equities, and that any Bitcoin exposure would be a narrow, complementary allocation. En primicia, Valora Analitik conoció que Protección se prepara para lanzar desde Colombia un fondo con exposición a Bitcoin. El producto no estará enfocado en la especulación de corto plazo, sino en ampliar las opciones de diversificación con una gestión integral de riesgos y… pic.twitter.com/nAO8mbsTLi — Valora Analitik (@ValoraAnalitik) January 22, 2026 The language used by the firm frames the initiative as diversification rather than a wholesale shift of retirement capital. Juan David Correa, who serves as president of Protección SA, confirmed the plan in an interview with local media outlet Valora Analitik. Size And Reach Of The Manager AFP Protección manages assets for millions of clients and has a sizable balance sheet. Reports put its assets under management at roughly 220 trillion Colombian pesos — roughly US$55 billion — and note that the firm serves a broad base of workers through mandatory pensions, voluntary saving plans and severance accounts. The sheer scale of the manager helps explain why even a small, optional product gets wide attention. Regulation And Reporting Reports also point to a tightening regulatory backdrop in Colombia. Tax and customs authorities have rolled out new crypto reporting rules that align with international reporting standards. Those rules are likely to affect how crypto products are structured and how returns or transfers are reported for tax purposes. The change in rules is one reason AFP Protección has framed its product as measured and compliant. How This Fits A Regional Trend Across Latin America, some institutional players have been experimenting with limited crypto exposure for years. Colombia’s move follows earlier steps by one or two other local managers and fits a regional pattern where established firms test small, controlled offerings before widening access. The step will be watched closely by investors and regulators overseas. Reports say potential participants should expect thorough suitability checks, clear disclosures and limits on how much of a retirement portfolio can sit in the new vehicle. Featured image from Pexels, chart from TradingView
25 Jan 2026, 19:08
John Lick Daghita’s flamboyant lifestyle outed him
John “Lick” Daghita’s sloppy story has taken an even more serious turn as ZachXBT reveals that his father allegedly owns CMDSS, a company that is currently doing work for a government agency. According to a new tweet from onchain sleuth ZachXBT, John is not just an opportunist who happens to know how to hack and has a deep grudge against the deep state. His name is reportedly John Daghita, and he is more of a nepo-baby who may just be abusing privileges from daddy dearest. Zach claims John’s father is Dean Daghita, the owner of CMDSS, a company that currently holds an active US government IT contract in Virginia. That contract specifically involves providing assistance to the US Marshals Service (USMS) by helping them manage and dispose of seized or forfeited crypto assets. It all sounds mundane at first, but it all comes together nicely when one takes into account the recent scandal linked to John Lick. The contract access his father’s company enjoys is thought to have helped John obtain some insider information or even direct access, which allowed him to steal from government-controlled wallets. According to Zach, it is still unclear how John may have gotten direct access. However, it is clear that he is linked to digital crimes that have seen millions vanish, and not just from government-controlled wallets. For now, there have been no public arrests or DOJ confirmations, but the onchain evidence has been making rounds across the Internet. Law enforcement could eventually intervene. John Lick Daghita’s flamboyant lifestyle outed him Up until two days ago, John Lick had avoided detection. He had over $20 million in crypto wallets. However, things started to unravel when he got into a heated argument with another threat actor known as Dritan Kapplani Jr. in a group chat to see who had more funds in crypto wallets. By the time the showoff session wrapped up, John had flaunted $23 million in total, moving the funds between wallets ZachXBT claims he clearly controls. After that, Zach began tracing backwards to verify the source of funds and found that one of the wallets, the 0xc7a2 wallet, had previously received $24.9 million from a U.S. government wallet back in March 2024. That transaction was linked to funds the government seized in the Bitfinex hack, and Zach had already flagged that same address in a post from October 2024. Another wallet was linked, the 0xd8bc wallet, which goes back to $63 million obtained from sketchy wallets during Q4 2025. John just enjoys showing off According to reports, it was only a matter of time before this happened, given how much John loves to show off. The Telegram account linked to him reportedly has a long history of bragging about his riches and brokeshaming people. His username is tied to TG ID 8269661864. After he was outed by Zach, he allegedly wiped out his NFT usernames and quickly changed his screen name, but the damage was already done. Zach later revealed that there are rumors circulating in cybercrime Telegram circles indicating John could be John Daghitia, who had previously been arrested in September 2025. He did concede that more research was needed to fully confirm it. Since he made the link between John and his father, Zach claims the CMDSS company X account, website, & LinkedIn were all deactivated, and John Daghita (Lick) began trolling again on Telegram shortly after. Want your project in front of crypto’s top minds? Feature it in our next industry report, where data meets impact.
25 Jan 2026, 17:24
Clapp Launches Crypto Credit Line With 0% Interest on Unused Funds
Clapp has recently introduced a crypto-backed credit line that allows users to borrow against Bitcoin (BTC) and Ethereum (ETH) while paying 0% interest on unused funds. The product is designed to give crypto holders access to on-demand liquidity without incurring costs until capital is actually deployed. Unlike traditional crypto loans that accrue interest from the moment a loan is issued, Clapp’s offering is structured as a revolving credit line. Users are approved for a borrowing limit based on the value of their BTC or ETH collateral, but interest applies only to the portion of funds they choose to use. Credit Line Structure and Interest Mechanics Once BTC or ETH is deposited, Clapp assigns a credit limit linked to the collateral’s market value. Users may draw from this limit at any time, in full or in part, and repay without a fixed schedule. As borrowed funds are repaid, the available credit is restored automatically. Under this model, unused credit carries a 0% interest rate . Borrowing costs begin only when funds are withdrawn and are calculated based on loan-to-value (LTV). Keeping LTV below 20% helps maintain low borrowing costs and reduces exposure to market volatility. Clapp stated that the structure is intended to separate access to liquidity from borrowing itself, allowing users to avoid paying for capital they do not actively use. Focus on Risk Control and Transparency BTC and ETH price volatility makes LTV management a central consideration in crypto lending. By tying interest to utilization rather than approval size, Clapp’s model encourages conservative borrowing and clearer cost expectations. Lower LTV levels provide: Greater buffer against price movements Reduced liquidation risk More predictable borrowing costs Interest stops accruing immediately once borrowed funds are repaid, while unused credit remains interest-free. Flexible Repayment Model The credit line does not have a fixed maturity date. Users may repay partially or fully at any time, without penalties. This flexibility positions the product for short-term or intermittent liquidity needs rather than long-term leverage. Clarifying the “0% Interest” Condition Clapp emphasized that the 0% interest condition applies specifically to unused credit, not to funds already borrowed. Borrowed amounts accrue interest based on LTV, reflecting actual risk exposure. This distinction is intended to ensure transparency and avoid common misconceptions around zero-interest crypto loans. About Clapp Clapp is a digital assets platform that combines investing, swapping, holding, lending, and interest accrual in a single application. The platform provides users with access to crypto-backed credit lines, asset management tools, and yield-generating features designed for flexible capital use. Clapp operates as a licensed Virtual Asset Service Provider (VASP). User funds are secured through Fireblocks, which provides institutional-grade custody and transaction infrastructure. Website: clapp.finance 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.
25 Jan 2026, 17:17
Clapp Introduces 0% Interest Crypto Credit Line for Bitcoin and Ethereum
Clapp has launched zero-interest crypto loan offering for Bitcoin (BTC) and Ethereum (ETH) holders. The product is built around a revolving credit line that allows users to borrow against their crypto assets while paying interest only on the funds they actually use. Unlike traditional crypto loans that accrue interest from the moment a loan is issued, Clapp’s model applies 0% interest to unused credit . Borrowing costs begin only when funds are drawn, and remain closely tied to loan-to-value (LTV) levels. According to Clapp, the structure is designed to give users access to liquidity without forcing them to pay for capital they do not need. Credit Line Structure Instead of Fixed Loans Clapp does not issue fixed-term loans. Instead, BTC and ETH deposited on the platform act as collateral for a revolving credit line. Once collateral is deposited, users receive a borrowing limit based on the market value of their assets. Funds can be withdrawn at any time, in full or in part, and repaid without a fixed schedule. As repayments are made, available credit is restored automatically. This structure separates access to liquidity from the act of borrowing itself. How Zero Interest Applies Under Clapp’s model, unused funds carry a 0% interest rate. Simply maintaining a credit line does not generate borrowing costs. Interest accrues only on the portion of funds that are actively borrowed. The applicable rate depends on the loan-to-value ratio, which measures the borrowed amount relative to the value of the BTC or ETH collateral. When LTV remains below 20%, borrowing costs stay low and the unused portion of the credit line remains fully interest-free. Focus on Conservative Borrowing Bitcoin and Ethereum price volatility makes risk management central to crypto-backed lending. Clapp’s credit line is structured to encourage conservative use rather than maximum leverage. Lower LTV levels provide: Greater buffer against market fluctuations Reduced liquidation risk More predictable borrowing costs By tying interest to utilization and LTV, the platform aligns borrowing costs with actual risk exposure. Flexible Repayment Terms The credit line does not have a fixed maturity date. Users can repay partially or in full at any time, without penalties. Interest stops accruing immediately once borrowed funds are repaid, while unused credit remains free of charge. This flexibility positions the product for short-term or intermittent liquidity needs rather than continuous borrowing. Addressing Common Misconceptions Clapp emphasized that “zero-interest” does not mean all borrowed funds are free indefinitely. The 0% rate applies specifically to unused credit, while borrowed funds accrue interest based on LTV. This distinction is intended to provide transparency and set clear expectations for users. Availability The zero-interest credit line is available to eligible BTC and ETH holders through the Clapp platform. 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.
25 Jan 2026, 17:12
Ethereum Sees Record Active Addresses: Will It Impact ETH Price?
Ethereum’s mainnet has registered a surprising and significant spike in activity, with daily active addresses climbing to levels not seen in years. According to Etherscan data, Ethereum L1 approached 1.3 million active addresses on January 16, briefly surpassing some of its own Layer 2 networks in terms of raw usage. This sudden surge has renewed discussions about whether on-chain demand for the world’s second-largest blockchain is returning. For a brief window, Ethereum L1 looked like the busiest part of the entire ecosystem again—fueling speculation that user behavior may be shifting back toward mainnet. But rising activity does not always translate into rising prices. ETH Price Still Stuck in a Bearish Trend Despite the impressive surge in active addresses, Ethereum’s price remains under pressure. ETH fell around 1% in the past 24 hours, extending a much more significant 11% weekly decline. Source: coinmarketcap ETH’s technical picture continues to weaken: Below 7-day SMA ($3,134) Below 30-day SMA ($3,101) Well below the 200-day SMA ($3,667) Trading below all these key averages reflects a bearish trend across all major timeframes, showing that increased network activity has not yet translated into sustained buying interest. How Outset PR Helps Crypto Companies Navigate Shifting Market Narratives The disconnect between Ethereum’s rising activity and its bearish price underscores a broader reality of the crypto market: data alone does not shape narratives—interpretation does. This is precisely where Outset PR’s methodology becomes valuable. Outset PR , founded by strategist Mike Ermolaev, specializes in connecting market events with meaningful, data-driven storytelling. Rather than relying on generic coverage or broad distribution lists, the agency treats each campaign as a hands-on workshop aligned with real-time market momentum. At the core of this approach is the Outset Data Pulse , a proprietary intelligence system that tracks: On-chain activity Media trendlines Traffic distribution across major crypto publications This allows Outset PR to identify the exact moment when a client’s message will achieve maximum impact—optimizing not only content but also timing. Another pillar of its strategy is the Syndication Map , an internal analytics tool that reveals which publications generate the strongest downstream visibility across top aggregators such as CoinMarketCap and Binance Square. With this insight, Outset PR is able to produce PR campaigns that achieve visibility several times higher than their initial placements. This precision ensures every PR effort is market-fit, cost-efficient, and positioned at the moment audiences are most receptive—an increasingly important edge in a noisy, fast-moving crypto landscape. ETH Outlook: A Positive Fundamental Signal, But Technicals Lag Behind Ethereum’s surging daily active addresses are a strong fundamental signal and suggest renewed life on the L1.However, price remains governed by broader market conditions and continued downward momentum. 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.
25 Jan 2026, 17:05
The upcoming USMCA review risks raising tariffs on Canada’s exports to over 7%
The USMCA review is already heating up, and President Donald Trump just threw more fuel on it. On Saturday, he threatened Canada with 100% tariffs if Prime Minister Mark Carney goes ahead with a trade deal with China. Trump said Carney would be “sorely mistaken” to think the U.S. will let Canada turn into a dumping ground for Chinese products. Carney’s deal with Chinese President Xi Jinping was announced on January 16. It allows up to 49,000 electric vehicles from China to enter Canada each year, which is under 3% of the Canadian new vehicle market. In return, Canada gets lower tariffs on its food exports to China. Trump didn’t like it . At first, he said it was fine, but now he’s warning Canada it could cost them if they go further with Beijing. Trade officials defend deal as tensions rise Dominic LeBlanc, who handles U.S. trade for Canada, fired back. He said there’s “no pursuit of a free trade agreement with China.” He called the deal limited and only about fixing tariff problems. He also described the U.S.-Canada relationship as a “remarkable partnership,” despite Trump’s attacks. Carney, speaking in Ottawa, said the plan is to pull tariffs back to where they were in 2023 but keep the EV cap in place. “We’re going to use the expression ‘back to the future’ with respect to EVs, with respect to agriculture,” he said. He claimed it sticks to the rules under the USMCA. Trump’s reaction comes just months before the official review kicks off. The deal marks its sixth anniversary on July 1, and if the U.S., Canada, and Mexico don’t agree to extend it for another 16 years, they’ll be stuck doing yearly reviews until the pact dies in 2036. Any of the three can also pull out with six months’ notice. That clause’s now sitting on the table, and everyone knows it. Economists told Bloomberg they still expect the review to end with a deal, but Trump’s threats are making things shaky. Dominique Lapointe, from Manulife Investment Management, said the new warnings add “downside risks” to the upcoming talks. Canada’s economy vulnerable as review deadline nears This is not great news for Canada, which sends most of its exports to the U.S. Sectors like steel, autos, aluminum, and lumber are already under pressure from Trump’s sector-specific tariffs. But there’s still a large chunk of goods that get through tariff-free under USMCA. If that protection disappears, economists say the average rate on Canada’s exports to the U.S. could spike to over 7%. Trump’s already said this month that he sees “no real advantage” to keeping USMCA, even though it was one of his big wins when he replaced NAFTA. But now he’s acting like the deal is holding America back. That’s not what Derek Holt from Bank of Nova Scotia sees. He said most American industries actually stood up for the deal during official hearings. In a Friday report, he wrote, “The vast majority of U.S. industries that testified at USTR hearings strongly supported the USMCA deal.” Businesses in Canada aren’t feeling steady either. A survey by the Bank of Canada showed most companies are pausing growth plans. They’re only spending money on keeping things running, not expanding. Bloomberg’s economists said Canada’s investment could go up by 1.3% in 2026, but only if the USMCA talks go well. Last year, it was just 0.6%. Randall Bartlett from Desjardins said the noise and drama were always going to be part of it. He said, “It was never going to be a positive environment for business investment in Canada, particularly in the first part of this year.” Even Matthew Holmes from the Canadian Chamber of Commerce had concerns. He said companies are already dealing with the fallout and urged both sides to “come to a better understanding quickly.” Bartlett added that Canada’s talks with China might end up helping them during the USMCA battle. “There are other major trading partners that want to work with us,” he said. And if Canada shifts away from depending only on the U.S., it could create problems for American businesses too. Trump himself seemed fine with the deal at first. On January 16, he said, “That’s OK, that’s what he should be doing. If you can get a deal with China, you should do that.” But now, he’s ready to hit back. The politics are changing fast. And with the USMCA review around the corner, the next few months look messy. If you're reading this, you’re already ahead. Stay there with our newsletter .
