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the future of money
@thefutureofmoney.bsky.social
Decoding tech, AI, regulation and financial power. We follow the rules being written -and the ones being enforced- so you don't have to.

📩The Future of Money newsletter https://thefutureofmoney.substack.com/ published by CRRLab. Cited in The Banker (FT).
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🚨 New Drop!
The UK’s regulator is rethinking risk. Not by loosening rules—but by speeding them up

what the FCA’s new strategy means for #AI, #tokenisation, #crypto, and the future of trust in financial markets

read our analysis:
👉 thefutureofmoney.substack.com/p/the-fca-do...
#regulation #fintech
Reposted by the future of money
NEW🚨🗞️ UK Watch: Stablecoins — When Regulation Becomes Payments Engineering open.substack.com/pub/thefutur...
UK Watch: Stablecoins Enter the Payments Engineering Phase
From statute and rulebooks to live settlement, redemption, and failure testing
open.substack.com
January 17, 2026 at 9:02 PM
NEW🚨🗞️ UK Watch: Stablecoins — When Regulation Becomes Payments Engineering open.substack.com/pub/thefutur...
UK Watch: Stablecoins Enter the Payments Engineering Phase
From statute and rulebooks to live settlement, redemption, and failure testing
open.substack.com
January 17, 2026 at 9:02 PM
🇪🇺 The Digital Euro Is a Public Good — Or It Is Nothing

70 European academics warn Brussels: don’t hollow out the digital euro.

read more 👉
substack.com/@thefutureof...
crypto research regulation lab (@thefutureofmoney)
🇪🇺 The Digital Euro Is a Public Good — Or It Is Nothing 70 European academics warn Brussels: don’t hollow out the digital euro. This week, 70 European academics issued an open letter urging lawmaker...
substack.com
January 16, 2026 at 2:36 PM
NEW🚨🗞️ The Blockchain Regulatory Certainty Act and the Boundary Between Code and Custody

Congress Fixes Crypto's Category Error: Code Isn't Custody

Read how the U.S. law is defining “control” for blockchain developers.
Share to keep the conversation going!

🔗 open.substack.com/pub/thefutur...
Where Crypto Law Draws the Line Between Code and Custody
How Congress is clarifying who counts as a financial intermediary—and why this line matters for U.S. crypto regulation
open.substack.com
January 16, 2026 at 11:35 AM
Reposted by the future of money
🚨🗞️NEW: CLARITY, at Last?

This isn’t a summary or a take. It’s a guide to the fault lines as amendments land and markup begins.

👉 Read: The CLARITY Act’s “Known Unknowns” — Part I
open.substack.com/pub/thefutur...
January 14, 2026 at 6:13 PM
“can’t support the bill as written.”

🗞️🚨 BREAKING: Coinbase has now stepped back from the Senate crypto market-structure bill. Brian Armstrong said the draft, in its current form, would be a step backward relative to existing law.

Read more →
substack.com/@thefutureof...
crypto research regulation lab (@thefutureofmoney)
“can’t support the bill as written.” BREAKING: Coinbase has now stepped back from the Senate crypto market-structure bill. Brian Armstrong said the draft, in its current form, would be a step backwar...
substack.com
January 14, 2026 at 9:32 PM
“I can’t wait to never have to hear the word ‘crypto’ again.”
a senator was quoted at a bipartisan meeting as lawmakers scramble through the CLARITY Act text.

Amendment overload, looser boundaries.
CLARITY, at Last?

→ read more here:

substack.com/@thefutureof...
January 14, 2026 at 9:08 PM
🚨🗞️NEW: CLARITY, at Last?

This isn’t a summary or a take. It’s a guide to the fault lines as amendments land and markup begins.

👉 Read: The CLARITY Act’s “Known Unknowns” — Part I
open.substack.com/pub/thefutur...
January 14, 2026 at 6:13 PM
Everyone is reading the CLARITY Act for definitions.
The real action is in the hand-offs.

Control tests.
Delegated rulemaking.
AML chokepoints.
Agency discretion.

This piece is a map of the fault lines — not a summary.
🚨🗞️NEW:
👉 Read Part I
#MarketStructure #SEC #CFTC
substack.com/profile/2595...
crypto research regulation lab (@thefutureofmoney)
just published: The Clarity Act explained → https://open.substack.com/pub/thefutureofmoney/p/the-clarity-act-explained-known-unknowns?utm_campaign=post-expanded-share&utm_medium=web
substack.com
January 14, 2026 at 5:57 PM
Where does this CLARITY ACT draft still leave markets guessing? ⚠️

👉 I’ll try to answer this by walking the text — section by section — as markup begins.

Catch it in your inbox!
Subscribe here 👉
thefutureofmoney.substack.com
January 14, 2026 at 11:22 AM
CLARITY, at Last? The Text Is In

Ahead of this week’s markup, the United States Senate Committee on Banking, Housing, and Urban Affairs released its fact sheets on the Digital Asset Market CLARITY Act.
Now the full 278-page bipartisan market-structure text is public.
👇
substack.com/@thefutureof...
crypto research regulation lab (@thefutureofmoney)
CLARITY, at Last? The Text Is In Ahead of this week’s markup, the United States Senate Committee on Banking, Housing, and Urban Affairs released its fact sheets on the Digital Asset Market CLARITY ...
substack.com
January 14, 2026 at 11:03 AM
Week 2 of 2026 in 3 numbers:
$1.1B— ETF outflows over Jan 6-8 (largest since Nov 2025)
5%— Bitcoin's drawdown while absorbing those flows
60%— BR IBIT's maintained market share through volatility
Traditional assets— 10-15% drawdowns during $1B institutional redemptions 👇
substack.com/@thefutureof...
January 14, 2026 at 11:01 AM
From Accumulation to Rotation

Morgan Stanley files Bitcoin and Solana ETFs
$1.1B reverses through ETF rails
What looked like a reversal was mostly the calendar asserting itself

Crypto behaving like institutional finance.

🔗 New issue: The Weekly Crypto Signal
open.substack.com/pub/thefutur...
From Accumulation to Rotation: Morgan Stanley Files ETFs as $1.1B Reverses
Week 2 of 2026 — ETF manufacturing begins, $1.1B reverses through regulated rails, and rebalancing becomes visible | 🔆 the Weekly Crypto Signal
open.substack.com
January 13, 2026 at 9:08 PM
“This is about whether monetary policy will be directed by political pressure or intimidation. Public service sometimes requires standing firm in the face of threats.. I will continue to do the job the Senate confirmed me to do, with integrity and a commitment to serving the American people.”
January 12, 2026 at 8:41 PM
Reposted by the future of money
**The Daily Crypto Signal** tracks institutional shifts, not price candles.
Get every issue in your inbox:

✅ Enforcement before it hits headlines
✅ Distribution changes that move billions
✅ Zero speculation, pure architecture

Subscribe for full archive →
thefutureofmoney.substack.com
January 10, 2026 at 7:41 AM
Reposted by the future of money
Video message from Federal Reserve Chair Jerome H. Powell:
www.youtube.com/watch?v=KckG...
www.federalreserve.gov/newsevents/s...
Statement by Federal Reserve Chair Jerome H. Powell
YouTube video by Federal Reserve
www.youtube.com
January 12, 2026 at 12:35 AM
Reposted by the future of money
Let us all stand with Chairman Powell.
January 12, 2026 at 2:36 AM
Reposted by the future of money
🧱 Stablecoins move inside the banking perimeter — with strings and risks attached.

But, the real test won’t be growth.
It will be how USD1 behaves on the worst day, not the best one.⚠️

Read more here: 👉https://substack.com/@thefutureofmoney/note/c-197605096?utm_source=notes-share-action&r=fg77i
crypto research regulation lab (@thefutureofmoney)
🧱 Stablecoins move inside the banking perimeter — with strings and risks attached World Liberty Financial has just filed to create a national trust bank at the Office of the Comptroller of the Curren...
substack.com
January 9, 2026 at 9:12 PM
**The Daily Crypto Signal** tracks institutional shifts, not price candles.
Get every issue in your inbox:

✅ Enforcement before it hits headlines
✅ Distribution changes that move billions
✅ Zero speculation, pure architecture

Subscribe for full archive →
thefutureofmoney.substack.com
January 10, 2026 at 7:41 AM
Stablecoins got licensed.
The question for supervisors is whether existing banking frameworks are equipped to manage 24/7, multi-chain monetary infrastructure under stress.

More on this in The Future of Money. Thoughts welcome.
👉
substack.com/@thefutureof...
crypto research regulation lab (@thefutureofmoney)
Stablecoins got licensed. Licensing moves stablecoins inside the banking perimeter, but it also concentrates operational, liquidity, and governance risk. The question for supervisors is whether exis...
substack.com
January 10, 2026 at 7:17 AM
🧱 Stablecoins move inside the banking perimeter — with strings and risks attached.

But, the real test won’t be growth.
It will be how USD1 behaves on the worst day, not the best one.⚠️

Read more here: 👉https://substack.com/@thefutureofmoney/note/c-197605096?utm_source=notes-share-action&r=fg77i
crypto research regulation lab (@thefutureofmoney)
🧱 Stablecoins move inside the banking perimeter — with strings and risks attached World Liberty Financial has just filed to create a national trust bank at the Office of the Comptroller of the Curren...
substack.com
January 9, 2026 at 9:12 PM
Reposted by the future of money
The federal government barred a list of 200 words and phrases from Head Start funding applications, including "disability" and "Black." Many of the banned words are explicitly referenced in the Head Start Act which was signed in 2007.
‘Disability,’ ‘Women,’ ‘Black,’ and ‘Tribal’ Barred From Head Start Grant Applications
Grantees were instructed to remove a list of 200 words from their applications.
eji.org
January 5, 2026 at 11:31 PM
Week 1 of 2026 — Crypto's Compliance Infrastructure is Activated:
🔺CARF Activates Across 48 Countries,
🔺ETFs Absorb $670M,
🔺Adoption Becomes Structural
read more in the latest:
| 🔆 Daily Crypto Signal
From Speculative Liquidity to Reportable Infrastructure
open.substack.com/pub/thefutur...
From Speculative Liquidity to Reportable Infrastructure
Week 1 of 2026 — Crypto's Compliance Infrastructure is Activated: CARF Activates Across 48 Countries, ETFs Absorb $670M, Adoption Becomes Structural | 🔆 the Daily Crypto Signal
open.substack.com
January 5, 2026 at 9:49 PM
Reposted by the future of money
Why 2026 won’t be about “more adoption.”

2025 was the year crypto compressed into fewer, harder use cases: settlement, payments, custody, regulation.
The question now is whether that infrastructure holds under stress.
That’s the lens I use in 2025 in 20 Crypto Stats".

substack.com/@thefutureof...
crypto research regulation lab (@thefutureofmoney)
Why 2026 won’t be about “more adoption.” 2025 was the year crypto compressed into fewer, harder use cases: settlement, payments, custody, regulation. The question now is whether that infrastructure ...
substack.com
December 30, 2025 at 2:58 PM
Reposted by the future of money
Crypto Regulation in 2026. Where We Actually Stand
Happy New Year. Welcome to 2026!
👇 just published open.substack.com/pub/thefutur...
Crypto Regulation in 2026. Where We Actually Stand
What's enforcing now? What takes effect in 2026-2027? What does crypto compliance actually cost?
open.substack.com
January 1, 2026 at 8:17 PM