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17 Jan 2026, 14:05
Ex-Ripple CTO Schwartz to an XRP Enthusiast: Are You Mad? Here’s What Happened
The global stablecoin conversation has intensified as traditional banks confront a future where digital dollars increasingly compete with deposits. What began as a niche crypto experiment has evolved into a serious policy and market issue, with implications for lending, liquidity, and financial stability. Recent public commentary has revealed how deep the divide has become between banks and crypto-native issuers. That divide came into focus through a pointed response from David Schwartz , Ex-Ripple’s Chief Technology Officer, during a discussion sparked by concerns raised within the U.S. banking sector. His remarks exposed the regulatory tension at the heart of the stablecoin debate. Bank Executives Sound the Alarm on Deposits The discussion gained momentum after CoinMarketCap highlighted comments from Bank of America CEO Brian Moynihan . He warned that interest-bearing stablecoins could draw as much as $6 trillion away from traditional bank deposits. Such an outflow, he argued, could increase funding costs for banks and limit credit availability for small businesses that rely heavily on bank loans. Compete? On a level playing field? Are you mad!? — David 'JoelKatz' Schwartz (@JoelKatz) January 16, 2026 Banks depend on deposits as a stable and low-cost funding base. When deposits shrink, banks must seek alternative funding sources, often at higher costs, which can ripple through the broader economy. A Question About Banks Issuing Stablecoins Reacting to these concerns, crypto commentator Digital Asset Investor questioned why banks could not issue their own stablecoins and compete directly in the yield-driven digital asset space. The comment reflected a widely held assumption that established financial institutions can easily adapt to technological disruption. That assumption prompted a sharp rebuttal from David Schwartz, who rejected the idea that such competition could occur on fair terms. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Schwartz Highlights Regulatory Imbalance Banks operate under far stricter regulatory constraints than most stablecoin issuers. Capital requirements, liquidity rules, consumer protections, and continuous supervision limit how banks design and price financial products. In contrast, many stablecoin issuers face lighter oversight, allowing them to offer yields and features that banks cannot legally replicate. This imbalance creates an uneven playing field. Banks cannot innovate freely without regulatory approval, while crypto-native firms can move faster and take risks that regulated institutions must avoid. Schwartz’s reaction underscored frustration with compliance becoming a structural disadvantage rather than a safeguard. Why the Stablecoin Debate Matters The exchange highlights a critical policy challenge. Stablecoins increasingly function like bank deposits but operate outside the same regulatory framework. As adoption grows, regulators must decide whether to extend bank-style rules to stablecoin issuers or create new categories that preserve competition without undermining financial stability. Schwartz’s response captured the core issue. Without regulatory alignment, banks cannot simply “join the stablecoin party.” The resolution of this debate will shape the future of digital money, credit markets, and the role of blockchain in global finance. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post Ex-Ripple CTO Schwartz to an XRP Enthusiast: Are You Mad? Here’s What Happened appeared first on Times Tabloid .
17 Jan 2026, 14:00
Why Bitcoin’s next price breakout hinges on BTC ETF flows
Bitcoin’s price momentum appears increasingly tied to institutional capital flows, with sentiment-driven inflows and outflows shaping market direction.
17 Jan 2026, 14:00
Traders Eye $98K as Bitcoin Coils for a High-Stakes Move
If bitcoin had a theme song today, it’d be “Can’t Stop, Won’t Stop”—except, maybe it might stop to catch its breath. Trading in a narrow intraday range, the asset has taken a breather above the $95K threshold, forming what might be a bullish flag waving at momentum. The market’s pulse? Steady with a chance of
17 Jan 2026, 13:50
Space data centers in view as NASA plans Artemis II mission
NASA (now under the leadership of Elon Musk’s confidante Jared Isaacman) just kicked off the next step in building permanent infrastructure around the moon, and that includes plans for space-based data centers. On Saturday, the agency started rolling out its massive rocket and crew capsule to the launchpad at Kennedy Space Center in Florida. This rollout is part of Artemis II, which will carry four astronauts around the moon and back. The rocket took off slowly, literally. It’s only a four-mile trip, but the rollout took twelve hours. This thing isn’t new. It’s the Space Launch System (SLS) built by Boeing, with the Orion capsule from Lockheed Martin sitting on top. The system has been under development for around fifteen years, with only one uncrewed flight in 2022. That test flight orbited the moon. Every launch costs over $4 billion, and it’s already years behind schedule. NASA begins pad tests as Congress fights over cost Once the rocket got to the pad, NASA crews started setting up. They began connecting ground equipment, testing hardware, and checking everything on-site. They’re working toward the next big milestone: a full countdown rehearsal at the end of January. That’s when they fuel up the rocket and run through all the final steps leading up to launch. Nothing moves forward until that test passes. “Wet dress is the big test at the pad. That’s the one to keep an eye on,” said Charlie, the launch director. The actual launch is now scheduled for April. It was originally planned for late 2024, but delays pushed it. The Artemis II mission will send the crew around the moon, then bring them home within ten days. It’s the first human flight of the SLS. The next flight (Artemis III) will put astronauts back on the moon. That one is expected in 2027. The money behind this is just as insane. Donald Trump’s budget for this year wanted to phase out the SLS after its third flight. He called it “grossly expensive and delayed.” But Ted Cruz stepped in and got $4.1 billion added back through the One Big Beautiful Bill Act , which Trump signed in July. Bezos and Musk eye moon orbit for new data center push While the rocket rollout is happening, Elon Musk and Jeff Bezos are already thinking a few steps ahead. Both of them are working on designs for space-based data centers . These would orbit the moon and run off the cold of space instead of overloading Earth’s power grid. These types of data centers eat electricity like crazy, and keeping them cool is expensive. Sticking them in space makes it easier to manage all that heat. “These are the kind of days we live for,” said John, who leads the Artemis II mission team. NASA says the countdown will continue through all of January. Teams will do one last sweep before the final rehearsal. If nothing breaks, they’ll launch by spring. And if that works, the moon becomes the next big tech zone. Want your project in front of crypto’s top minds? Feature it in our next industry report, where data meets impact.
17 Jan 2026, 13:45
What’s the Right Amount of XRP to Hold? XRPL Engineer Explains
A renewed debate in the XRP community is asking a familiar question: how much XRP is enough? XRP Ledger developer Bird argued that the answer depends far more on personal circumstances than on any fixed number. Visit Website
17 Jan 2026, 13:42
Binance Destroys 1.37M BNB — How Burns Historically Impact BNB Price Cycles
Binance has removed 1.37 million BNB tokens from circulation. Coin burns often influence the price of BNB in interesting ways. This article dives into the history of such events and explores their potential effects on current and future BNB price movements. Discover which coins are poised for growth and how Binance's action might impact the market. BNB Shows Promise Amidst Steady Growth Source: tradingview BNB is currently trading between the high eight hundreds and low nine hundreds. This range is promising as it nears its resistance level just below a thousand. With the recent six-month growth of over 27%, BNB signals a healthy upward trend. If it surpasses the first resistance level, it could climb nearly 8% more to hit the second resistance point. The price is comfortably above the support levels, suggesting stability. The RSI below 50 indicates there’s room for growth before it becomes overbought. BNB's strong movement and position above most moving averages suggest potential for further gains, backed by consistent percentage increases in both weekly and monthly changes. Conclusion Nearly 1.37 million BNB have been destroyed in a recent burn. Historically, burns have had a positive impact on BNB’s price cycles. This reduction in supply can often lead to a price increase due to basic supply and demand principles. Investors typically view coin burns as a sign of commitment from the issuer. It can generate increased interest and confidence in the token. It remains essential to monitor how market participants react and what this means for future BNB valuations. 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.
