Invest ideasNews
24 Jan 2026, 23:54
Brazil sets clearer rules for banks entering crypto
The Central Bank of Brazil (BCB) set new regulations for banks and brokers handling crypto assets in South American country. The new crypto rulebook specifies what banks and securities firms must submit and what an external certifier must confirm before offering crypto intermediation and custody services in Brazil. Instrução Normativa (IN) BCB No. 701 was published in Brazil’s official gazette on January 23, 2026, and will become effective on February 2, 2026. Brazil’s central bank formalizes crypto entry rules IN 701 does not build Brazil’s crypto framework from the ground up. It applies sections of BCB Resolution No. 520 (Nov. 10, 2025) by defining the communication steps and the essential content needed. Under IN 701, banks must maintain current registration in Unicad. Also, they must submit independent certification via the BCB’s APS-Siscom system. If the bank does not complete all required steps, the communication is ineffective at the BCB. The bank stays barred from providing crypto services under the new rules. Banks must hire an independent, qualified certifier to verify their compliance with the BCB rules for VASPs before starting operations. The certifier must sign a declaration with the applicant bank, confirming no corporate or commercial ties that might cause a conflict of interest. User funds must be separated Certifiers must verify that institutions keep user funds separate from company assets and show evidence of reserves for all digital assets held by both customers and the company. IN 701 requires the certification to clearly evaluate each item to determine if the institution meets baseline requirements. The certification must include operational controls common in prudential frameworks. These controls involve outsourced services, especially data processing and cloud computing. It must also assess the technical and legal compliance of key suppliers, including those abroad. Recovery plans for client assets and funds are required. Governance policies, internal controls, and cybersecurity with incident response measures must also be addressed. The certifier must examine controls related to anti-financial-crime compliance, including anti-money laundering, counter-terrorist financing, and proliferation-financing risks. They must also review market integrity procedures aimed at detecting and stopping abusive actions in the virtual-asset market. The certification should cover each required item individually. The BCB may ask the certifier for more detailed explanations if needed. IN 701 requires certifiers to verify that banks clearly inform customers about the services, support channels, key third-party providers, guarantee funds or insurance, custody processes, risks of the virtual asset and its blockchain, and the terms and risks of staking operations. The rule now mandates certifiers to retain working papers and memos for five years, enhancing the BCB’s review capability. Brazilian banks gain a faster path into crypto Isac Costa, professor and director of the Brazilian Institute of Technology and Innovation (IBIT), says banks may function without fully completing the usual authorization process for common VASPs if they secure certification. He told Valor Econômico that institutions may begin services 90 days after notifying the Central Bank, provided they have independent technical certification confirming full regulatory compliance. The rules do not name the companies that will certify institutions, but Costa thinks auditors familiar with crypto will take on this role. The central bank is likely to clarify this issue because these auditors play a key role in bringing banks into the crypto industry. This is important for Brazil’s effort to promote crypto through banks. Banks and brokerages in Brazil are interested in providing crypto trading and custody to retail investors. The BCB’s method shifts some initial verification tasks to an external certifier but retains the supervisor’s authority to review, block, or stop actions. Don’t just read crypto news. Understand it. Subscribe to our newsletter. It's free .
24 Jan 2026, 23:25
TIA Intraday Analysis: 24 January 2026 Short-Term Strategy
TIA consolidating at $0.46, $0.4529 support and $0.4712 resistance critical. Breakout in 24-48 hours determines direction; BTC sideways impacts TIA, short bias dominant.
24 Jan 2026, 23:00
Eric Trump highlights USD1, WLFI rallies 5% – Coincidence or strategic play?
Exploring the link between stablecoin dominance and WLFI’s recent gains.
24 Jan 2026, 23:00
Stablecoins Gain Ground In Africa As Remittances Outpace Aid, Ex-UN Official Says
Africa is seeing a quiet shift in how people send and hold value. Mobile phones are central. According to Vera Songwe, a former UN under-secretary-general, millions who lack bank accounts can use stablecoins to protect savings and move money faster. That access matters in places where inflation has been high and bank fees are steep. Use By Businesses And Everyday People Reports have disclosed that stablecoins now make up around 43% of all crypto transaction volume in sub-Saharan Africa. Nigeria alone processed nearly $22 billion in dollar-linked stablecoin activity over a recent 12-month span. That money is used for remittances, payroll and business settlements. Firms and market traders are among the biggest users, but many everyday people are joining in too. In countries such as Egypt, Nigeria, Ethiopia and South Africa, demand is driven by volatile local currencies and rules that limit access to dollars. Mobile money networks help push adoption along. Stablecoins Speed Up Cross-Border Payments Traditional remittances can be costly. At a World Economic Forum panel in Davos, Switzerland on Thursday, Songwe noted that sending $100 through traditional money transfer services in Africa often costs around $6, making cross-border payments both slow and costly. Stablecoins cut those costs and shorten wait times from days to minutes for many transfers. Small payments and wages can be settled quickly, and that speed changes how businesses plan cash flow. Local Rules Are Changing Fast Governments are reacting in different ways. Ghana passed a Virtual Asset Service Providers law to bring trading into a formal framework. On January 13, Nigeria required crypto platforms to link transactions to tax ID numbers, a move meant to bring activity into official records. South Africa’s central bank has warned that stablecoins and other tokens could pose risks to financial stability as use grows. Policy is being written while users and tech firms keep pushing ahead. Risks And The Road Ahead High inflation remains a core reason people are turning to stablecoins . Reports say inflation has exceeded 20% in 12 to 15 countries since the pandemic, and that reality pushes people to look for alternatives to local notes. Everyday Use, Measured Change What started as a tech niche has grown into a practical tool for many across the continent. For small and medium businesses, the benefit is clear: faster settlements and lower costs. For people without bank accounts, a smartphone can now open a route to store value in currencies less tied to local inflation. Adoption will likely keep rising, but how quickly it becomes part of mainstream finance will depend on stronger rules, better safeguards, and the continued spread of simple mobile services that people trust. Featured image from Unsplash, chart from TradingView
24 Jan 2026, 23:00
XRP Price Forecast 2026: Can ETFs Drive Ripple Higher Amid Competition From this Cheap Crypto
Ripple’s XRP discussion is dominated by the prospects of exchange-traded funds (ETFs) as well as the long-term target prices of $14. However, the route to achieving this is heavily dependent on institutions, which have yet to come on board in large numbers. Although ETFs lend credibility to the project, the current inflows only seem to contribute to the established trading ranges. On another note, a new and cheap crypto project is attracting smart investors’ interest due to its immediate high growth potential mechanics. This DeFi crypto offers a clear and immediate opportunity to gain more, making it the best crypto to buy now to achieve gains in no time. The difference between these two cryptos is quite clear: whereas one crypto waits to be validated by others, another crypto is busy creating a system to generate more wealth. The Gradual Path that XRP is Taking The forecast for 2026 shows a potential increase for XRP; however, the journey is marked by conditions. For a long time, the token has remained at a price range. It is also seen investing in new ETF products; however, these have not generated the required momentum for a breakthrough. The use of the XRP Ledger is increasing, but it still lags well behind the major competition. As such, the price increase is going to be slow and dependent on other trends within the market. For investors who are looking for investments to multiply their money rapidly, this is not the best option. It lacks the aggressive growth engines of new and more dynamic investments. Mutuum Finance Presale On the other end, Mutuum Finance (MUTM) provides an exact opportunity with time constraints. This cryptocurrency is in Phase 7, with the tokens being sold at $0.04. This price will soon go up by nearly 20% with the next phase. This chance to buy the cheap cryptocurrency is soon coming to an end. For instance, $500 invested now will yield 12,500 tokens. As the price is set to launch at $0.06, this particular position is expected to rise to $750, a significant immediate gain. Looking at the past trends of strong presales, the potential is much higher after that, making this a crucial time to buy into the cryptocurrency. This is why it is the best crypto to buy now for strategic investors. Earning Yield with mtTokens After the Mutuum Finance platform is launched, holders can immediately begin generating passive income. If a user decides to deposit an asset such as USDT or ETH, they are given a certain number of mtTokens. These tokens can begin generating passive income immediately. If a user has $3,000 that they have deposited, they could potentially earn a 12% return. The mtTokens can be staked in the safety module of the protocol to earn extra MUTM tokens as reward. This not only makes the deposit an earning opportunity but proves the utility of the crypto as the best cryptocurrency to invest in for earning profits. Security Through Overcollateralized Loans Mutuum Finance provides security to its users through its lending model. In its lending model, a user is expected to deposit collateral that is higher than the amount being borrowed. For instance, if a user wants to borrow $5,000, he/she is expected to deposit $7,500 worth of ETH. This means that as a lender, their money is secure and can earn interest with minimal risk involved. This robust security system, which has already passed an audit by Halborn, instills immense trust. It means that this is a long-term project that not only safeguards investors’ capital but also allows it to grow. This is exactly why it’s a top DeFi crypto. A Smart Choice for Real Growth When determining the most promising cryptocurrencies to buy today, the decision is based solely on past momentum versus future prediction. XRP’s opportunity is based solely on future ETF success and adoption rate. Mutuum Finance’s (MUTM) opportunity is clearly evident by its thriving presale process and future use for earning high yields while maintaining high security standards for investors to grow their modest investments into high returns So, when it comes to making an investment where one can gain significant returns, the choice is clear. The opportunity to invest in this promising project from the ground level is available, although only for a short period of time. For more information about Mutuum Finance (MUTM) visit the links below: Website: https://mutuum.com/ Linktree: https://linktr.ee/mutuumfinance
24 Jan 2026, 22:56
AERO Intraday Analysis: January 24, 2026 Short-Term Strategy
AERO under intraday pressure at $0.47, $0.4665 support test critical. Watch $0.4695 breakout above, $0.4665 stop below; BTC sideways warrants caution.
