随着 Base DEX 交易量激增，Toshi、键盘猫、Basenji 的价格上涨

2025 年 3 月 18 日，路透社报道称，多家加密货币公司寻求成为州立或国家银行，他们认为这是特朗普政府领导下扩大业务的途径。一旦加密货币公司成为银行，会发生什么变化？它们不是已经充当银行了吗？银行不是越来越接受加密货币了吗？ Multi-faceted crypto platforms and banks have had overlapping functionality as many people can store their savings via crypto, grow capital using yield mining or staking, or get crypto loans. In regions with a high unbanked population that has smartphones, crypto platforms already occupy a bank-like position.  However, getting licensed as a state or national bank is different from just being a defacto bank-like entity. Let’s see what the prospects are for the crypto platforms seeking to become full-fledged banks. As the U.S. took a pro-crypto course, these companies have a bigger chance of transforming into banks. The modern-day regulators don’t see crypto as something utterly inadmissible. Reuters cites lawyers admitting that there is a rising interest from crypto companies that are cautiously seeking new opportunities. Read more:Trump-era policy shift sparks crypto firms’ push for banking licenses: report SmartBiz 收购了 Centrust Bank，成为自 2021 年以来第一家获得银行特许的金融科技公司，预示着可能引领潮流。 本月初，货币监理署扭转了银行的反加密货币立场，允许银行从事加密货币相关活动，包括稳定币操作、加密货币托管等。 为什么有些加密平台想要转型成为银行？ 首先，这些公司希望获得银行地位以提高其信誉。这可能会吸引新的个人和企业客户，因为银行对他们来说比加密货币生态系统更值得信赖和熟悉。它开辟了新的机会，并允许公司大幅扩大规模。银行执照与额外的审查有关，但另一方面，它给公司带来了更合法的形象，这对业务扩张很重要。 第二个原因是，银行监管将加密货币从灰色地带拉出来，为公司提供了更清晰的立法环境，从而提供了更可预测的发展轨迹和更自信地遵循其战略的机会。 Another benefit of getting a bank charter is direct access to clients’ deposits. Without it, crypto companies have to borrow funds and pay high fees. With clients’ deposits, companies may be less constrained in their actions and development. 银行与加密平台的交汇点 尽管区块链从第一天起就与银行对立（还记得比特币创世区块中附带的信息吗），但银行和加密货币企业都设法共存并塑造彼此的运营方式。看来加密货币不再对银行构成生存威胁。银行正在采用区块链解决方案，而加密货币平台则采用银行的许多服务，例如贷款和汇款等更基本的业务。 传统银行出于各种原因使用区块链解决方案。分布式账本和智能合约基础设施使银行能够实现某些流程的自动化并降低成本，提高合规性和资金和数据的整体安全性，并提高结算速度，尤其是在跨境交易方面。值得一提的是，自动化不仅使服务更便宜，而且还消除了人为错误并防止了欺诈活动。 摩根大通和高盛等公司使用区块链来简化“了解你的客户”验证流程。国际银行联盟 Fnality International（包括巴克莱银行、汇丰控股和其他主要银行）使用区块链进行跨境交易。这些只是众多例子中的几个。CBDC 将减少公民和中央银行之间的中介参与，同时不会阻止商业银行提供信贷等服务。 与此同时，加密货币平台在移动互联网普及率较高的农村无银行账户地区充当银行的角色。此类地区可以在撒哈拉以南非洲和部分亚洲地区找到。这些地区的居民主要使用加密货币进行汇款和储蓄。 2020 年代初，新银行（neobank）兴起，这些以数字为先的网上银行提供传统银行服务。以客户为中心的方法和点对点解决方案的使用使新银行比传统银行更具优势。它们收取的费用更低，提供用户友好的应用程序，并且通常采用更优惠的方式向客户提供信贷/贷款。 最受欢迎的数字银行（如 Chime 或 Revolut）拥有数千万客户。据 Plaid 称，超过 21% 的 21 至 56 岁人群使用新银行作为主要支票账户。 采用加密货币是一些新银行发展的合理一步。Revolut 是一个著名的新银行例子，它除了股票交易、货币兑换和虚拟卡等其他功能外，还支持加密货币操作。 未来我们可能会看到更多加密货币公司成为银行，因为美国监管机构和企业都对这种发展表现出兴趣。很快，我们就会知道其他国家是否会效仿。 你可能还喜欢：新银行正在利用区块链弥补资金缺口 | 观点

总部位于约翰内斯堡的 Altvest Capital 正在寻求监管部门批准筹集 1000 万美元，将比特币作为其主要储备资产。 Altvest Capital 计划成为非洲第一家采用比特币（BTC）作为主要国库储备资产的上市公司。 Altvest Capital 首席执行官沃伦·惠特利 (Warren Wheatley) 在 2 月 21 日接受彭博社采访时表示，该公司已经购买了一枚比特币，目前正在请求监管机构批准通过出售股票筹集约 1000 万美元。惠特利指出，目前尚未就是否筹集资金做出最终决定。 你可能还喜欢：南非加密货币交易所 VALR 选择波兰作为欧洲扩张基地 该公司由 Wheatley 于 2021 年创立，是一家投资促进机构，能够管理非上市资产的部分所有权。Wheatley 表示，该公司将比特币视为一种“战略储备资产”，可以增强其资金组合，同时提供“对冲经济不稳定和货币贬值的风险”。 The Altvest Capital CEO also emphasized that the company’s board has already done a risk assessment and believes Bitcoin fits well with its investment strategy. South Africa has been working to position itself as a hub for crypto companies. By April 2024, the Financial Sector Conduct Authority had approved more than 70 crypto asset service providers, including firms like Luno and VALR. However, the registry does not list key international crypto exchanges such as Coinbase or Binance, raising concerns about the region’s regulatory process. 阅读更多：南非将许可 60 家加密货币交易所，创监管里程碑

四月的第二周发生了一起重大收购：在 XRP 账本上提供企业区块链产品的 Ripple 以 12.5 亿美元收购了 Hidden Road。 根据 Crypto Fundraising 的数据，这笔交易推动本周的总融资额超过 15 亿美元。 让我们仔细看看上周的融资活动。 您可能还喜欢：NFT 销售额下降 4.7% 至 9470 万美元，Courtyard 取代 CryptoPunks Hidden Road，12.5亿美元 Ripple (XRP) 以 12.5 亿美元收购主要经纪公司 Hidden Road。 此次交易将主要以现金支付，部分交易将以XRP和Ripple股票形式支付。Hidden Road创始人Marc Asch将继续领导Ripple旗下的经纪公司。 “Ripple needs to make sure we have the infrastructure in place to appeal and expand to a larger segment of the biggest bulge bracket institutions,” CEO Brad Garlinghouse told Fortune. Wunder Social，5000万美元 这家英国社交媒体初创公司在由 Rollman Management 和其他知名投资者领投的一轮融资中筹集了 5000 万美元；这是今年英国社交平台获得的最大融资之一。 Wunder.Social 将于 2025 年推出，旨在通过“尖端技术和用户至上的理念”撼动价值 2000 亿美元的社交媒体世界。 前 TikTok 营销主管 Ryan Martin 现担任 Wunder 的首席营销官。 🔥 重大新闻！🔥我们刚刚筹集了 5000 万美元来重塑社交媒体！🌎✈️由 @base 提供支持，无机器人，并通过广告收入奖励您。告别虚假粉丝，迎接真实联系。🎉 是的，@CoinDesk 已经报道过我们了！准备好迎接 $WUNDER 代币优惠吧……pic.twitter.com/4Nz5j2LjHA– Wunder (@wunder_social) 2025 年 4 月 9 日 Blackbird, $50 million Blackbird 是一家为餐厅打造的忠诚度和会员平台，已获得 5000 万美元的 B 轮融资。 Spark Capital、Coinbase Ventures 和 a16z crypto 参与了此项工作。 Blackbird 迄今已筹集 8500 万美元；此前，该公司在 A 轮融资中筹集了 2400 万美元。 与此同时，4000万美元 与此同时，一家受百慕大金融管理局监管的以比特币计价的人寿保险公司获得了 4000 万美元的 A 轮融资。 Framework, Farcus Ventures, and Wences Casares, co-founder of Bitcoin-enabled Xapo Bank, joined the investment. Meanwhile offers policies denominated in Bitcoin (BTC). It previously raised $20.5 million in its seed round, which attracted backing from OpenAI CEO Sam Altman and Bitwise CEO Hunter Horsley. We're proud to announce our $40M Series A led by @hiFramework & @FulgurVentures, w/ participation from Bitcoin pioneer Wences Casares.This capital accelerates our global rollout of BTC-denominated life insurance & annuities, protecting users from inflation & currency risk 🧵⤵️ pic.twitter.com/kTMxDaDBeh— meanwhile (@meanwhilelife) 2025年4月10日 Solix DePIN，2950万美元 在由 Eclip Foundation 支持的未知一轮融资中获得了 2950 万美元 预计这项投资将有助于增强核心技术，扩大全球影响力，并引入智能带宽分配和人工智能网络优化等先进功能。 Solix DePIN 还计划与云服务提供商和内容交付网络合作，为其分散带宽市场创造更广泛的用例。 APX Lending, $20 million APX Lending clinched $20 million in an unknown round. The round was backed by CypressHills, a private credit investment firm. APX Lending $20M Funding Round⚡️📑 关于：@APXLending 是一个合规的加密支持借贷平台。🤝 投资者：赛普拉斯山ð https://t.co/YTGOZUy2gG pic.twitter.com/QLZVVDbniI— 筹款文摘 (@CryptoRank_VCs) 2025 年 4 月 11 日 BugsCoin, $12 million BugsCoin secured $12 million in Series A funding 由 Becker、Eastrum Capital 和 BullPerks 支持 该项目共筹集了 2050 万美元 BugsCoin 完成 1200 万美元 A 轮融资，引领 Web3 金融教育创新风险投资人：Becker Ventures• Castrum Capital• BullPerks• DuckDAO• Maxx Capital4 月 11 日，基于 Web3 的金融教育平台 BugsCoin ($BGSC) 宣布成功……pic.twitter.com/lD7GYnJeGu— bugscoin (@bugscoin_bgsc) 2025年4月11日 城镇协议，1000万美元 Towns Protocol 在 B 轮融资中筹集了 1000 万美元 该投资由 a16z crypto、Coinbase Ventures 和 Benchmark 支持 It has raised a total of $61 million Excited to share our latest funding round, led by @a16zcrypto, with the addition of new investor @cbventures and continued support from @benchmark.The future of communication is onchain. pic.twitter.com/qGQUa9cvaE— Towns Protocol (@TownsProtocol) April 10, 2025 Notable crypto VC funding rounds Cap Labs, $8 million for DeFi yield aggregation Octane Security，675万美元用于人工智能安全 OpenZK，一轮未知融资 600 万美元 DecentralGPT，A 轮融资 300 万美元 Firefish，种子轮融资 180 万美元 Sats Terminal，170 万美元用于聚合比特币收益 Lyzi, $1.42 million for Tezos (XTZ) payments Libraro, $1.28 million in Seed funding Read more:NFT sales drop 4.7% to $94.7m, Courtyard dethrones CryptoPunks

A bill to establish a Texas Strategic Bitcoin Reserve has advanced through a key House committee and is headed for a full floor vote. On May 7, the Texas House Committee on Delivery of Government Efficiency approved Senate Bill 21 in a 9-4 vote, clearing one of the final hurdles before it can land on Governor Greg Abbott’s desk. Initially introduced by Republican Senator Charles Schwertner in January as a Bitcoin (BTC) only proposal, SB 21 was later refiled in February to allow for other digital assets with a minimum $500 billion market cap over the past 12 months. Bitcoin is currently the only digital currency to meet this criterion. If passed into law, the bill would allow the state comptroller to manage the reserve and invest state funds in eligible crypto assets. The bill had previously passed the Texas Senate on March 6 with a 25-5 vote. According to data from Bitcoin legislation tracker Bitcoin Laws, SB 21 is not the only crypto-related legislation Texas lawmakers have introduced this year.  In March, HB 4258 was proposed to permit the state comptroller to invest up to $250 million of the Economic Stabilization Fund into Bitcoin or other cryptocurrencies. Meanwhile, SB 778, introduced in February this year, focuses on accepting taxes and donations in crypto and imposes a minimum five-year holding period for any Bitcoin acquired by the state. You might also like:Thumzup files $500m shelf registration, plans to grow Bitcoin reserves Texas isn’t alone in exploring Bitcoin reserves. A day before SB 21 passed the committee in Texas, Arizona Governor Katie Hobbs signed HB 2749 into law, creating a Bitcoin and Digital Assets Reserve Fund funded by unclaimed digital assets. On the same day, New Hampshire Governor Kelly Ayotte signed HB 302, making it the first state to legally authorize public fund investment in Bitcoin and other qualifying assets. Up to 10% of the state’s general fund can now be invested in digital assets exceeding a $500 billion market cap, again effectively limiting it to Bitcoin. Currently, 37 strategic Bitcoin reserve bills are under review across 18 U.S. states. The number was initially higher, but many proposals have failed to gain legislative support. Florida became the latest to shelve its Bitcoin reserve plans on May 6, joining Wyoming, South Dakota, North Dakota, Pennsylvania, Montana, and Oklahoma, all of which saw similar bills rejected in recent House or Senate votes. Read more:Florida drops Bitcoin reserve plans as HB 487 and SB 550 withdrawn

Polygon price is at risk of a significant drop after forming a bearish technical pattern—despite growth in its decentralized finance and stablecoin activity. Polygon (POL) token was trading at $0.2355 on Thursday, a few points below this week’s high of $0.2765.  DeFi Llama data shows that the amount of stablecoins in its ecosystem has continued to rebound this month. Stablecoin supply has risen to $1.98 billion, up from the year-to-date low of $1.67 billion. Meanwhile, a report by Messari noted that the stablecoin supply on the network jumped by 23% in the first quarter, while the number of active stablecoin wallets rose by 30%. DAI holds a 47% market share on Polygon, followed by USD Coin (USDC) and Tether (USDT), with 31% and 13% shares, respectively. “The Venmo layer, but for crypto”Stablecoin supply on Polygon grew 23% in Q1, while active stablecoin wallets grew 30%. pic.twitter.com/0Ioaz50JrN— Polygon (@0xPolygon) May 14, 2025 Additional data shows that total value locked on the Polygon network is making a slow recovery. TVL stands at $1.03 billion, up from the year-to-date low of $736 million. Growth has been even more notable in POL terms, with the figure rising to 4.35 billion POL from 1.86 billion POL in January. You might also like:Bitcoin price slips, but pattern suggests calm before the storm Polygon stablecoins and TVL | Source: DeFi Llama Nansen data also shows that the number of weekly transactions on Polygon rose by 9% to 19.27 million, higher than Arbitrum’s (ARB) 12 million. Decentralized exchanges transactions on Polygon rose by 48.46% in the last seven days to almost $1 billion.  Polygon’s main challenge is that it has continued to lose market share to newer layer-2 networks like Unichain, Base, and Arbitrum. For example, Unichain, which was launched in February, handled over $3.8 billion in transactions.  Polygon price technical analysis Polygon chart | Source: crypto.news The daily chart shows that POL bottomed at $0.1500 in April and then rebounded as the broader crypto market rallied. The token has nearly retested key resistance at $0.2863, the lowest level from November last year. However, the coin has slowly formed a rising wedge pattern, defined by two upward-sloping and converging trendlines. This pattern often signals a potential bearish breakdown when the price nears the point of confluence. If a breakdown occurs, Polygon could fall to the next support level at $0.1504, the April low, which is about 40% below the current price. A decisive move above the $0.30 resistance level would invalidate the bearish outlook. You might also like:How falling crude oil prices could boost the crypto market