Robinhood 暗示将开展比特币期货交易

Disclosure: The views and opinions expressed here belong solely to the author and do not represent the views and opinions of crypto.news’ editorial. Chatbots blew our minds when they first emerged more than a year ago. Having a conversation with an AI as if it were a human in the next room, seeing it summarize complex ideas—it felt like the dawn of a new era. But since then, the state of development has become fragmented in interesting ways. You might also like:Crypto is the currency of artificial intelligence | Opinion Despite all the excitement and the billions poured into AI development, where are the truly transformative applications? Apple, Microsoft, and Meta have had over a year to integrate AI into their ecosystems, yet their biggest AI breakthroughs amount to incremental improvements to existing products. Microsoft put a chatbot in Word. Meta put one in Instagram. Apple’s flagship AI project? A delayed Siri upgrade that still hasn’t arrived. The momentum is instead with independent developers, who are racing ahead, building AI agents that can write and deploy entire software applications, autonomously manage investment portfolios, and generate real-time content in completely new formats. The most meaningful innovation isn’t happening inside Big Tech. It’s happening at the edges, among scrappy builders who see AI not as an added feature but as the foundation for something entirely new. Corporate resources are no substitute for innovation, and defending moats is a risky strategy in the middle of a technological shift. Today’s leading tech companies are falling behind, slowed by internal complexity as they cede ground to more agile, imaginative, and unencumbered challengers. Big Tech has everything it needs to win AI—and yet, it won’t Apple, Microsoft, and Meta have near-infinite resources, armies of engineers, and some of the biggest AI research budgets in the world. On paper, they should be dominating the AI revolution. Instead, their AI strategies look like patchwork fixes. Rather than building something fundamentally different, they’re trying to shoehorn a radically new technology into their existing product lines. Take Apple. The company that once revolutionized personal computing, mobile phones, and digital payments is now struggling to deliver a timely AI-powered upgrade to Siri. It has the data, the talent, and the resources, but it’s still failing to integrate AI into its ecosystem in a meaningful way.  Microsoft, Meta, X, and other tech heavyweights similarly have thrown their might and corporate resources at AI, but all have more or less come up with the same application: a chatbot. All of this is not to suggest these companies are being complacent or ignoring the more innovative uses of AI. Microsoft has deeply integrated AI into productivity software, Google is embedding AI into search, and Apple is rumored to be developing AI-powered device processing. But their approaches remain cautious, designed to add to what already exists rather than build something entirely new. They are fundamentally defensive moves, trying to preserve their existing empires instead of embracing the unknown. And they’re making a critical mistake. Incumbency can be as much a hindrance as an advantage  While known for their iconoclastic origins, the dot-com pioneers are all grown up now. Mark Zuckerberg is no longer the hoodie-wearing college dropout disrupting the internet with a scrappy startup. He’s a corporate tycoon running one of the world’s largest ad empires. The Facebook that once moved fast and broke things is now slow, cautious, and reactive—a company trying to squeeze AI into its existing business model rather than building something radically new.  And history is clear: being slow to adapt is how giants fall. Yahoo had every opportunity to dominate the internet, but it dismissed search as a secondary feature, failing to recognize its central role in the nascent online economy. Google took search seriously—and built an empire around it. Microsoft was the undisputed leader in software, but dismissed smartphones as a niche market. By the time it realized its mistake, Apple and Google had already divided up the mobile world, leaving the Windows Phone dead on arrival. IBM, once the gold standard in computing, underestimated the rise of cloud architecture. While Amazon quietly built AWS into the backbone of the internet, IBM remained focused on enterprise hardware and services—betting on the past while the future passed it by. Now, the tech founders we once idolized as rule-breakers and disruptors have become the establishment—and they’re making the same mistakes. AI isn’t just another feature to be bolted onto Word, Instagram, or Siri. It’s an entirely new paradigm—one that demands new business models, new interfaces, and new ways of thinking. True AI innovation is driven by the unconstrained Some of the most compelling and innovative AI applications aren’t emerging from expensive R&D Labs—they’re being built by small developer teams shipping products over a weekend. These developers aren’t adding AI to existing products; they’re building entirely new products with AI at their core. We’re seeing tools that can autonomously trade and manage crypto portfolios, generate interactive lessons on any subject in seconds, and spin up full-stack web apps from a single prompt. And increasingly, we’re seeing developers embrace AI’s unexpected strengths—improvisation, humor, and surprise. One standout example is AI Dungeon, a web-based game where AI narrates an unfolding story based on player prompts. It can generate characters, plot twists, and environments in real-time, adapting with every user interaction. It’s a case study in what dynamic, user-driven content might look like in an AI-first internet. Another is SceneCraft, a tool that lets tabletop game masters generate narratively consistent fantasy scenes from just a few lines of story setup. Used by players of games like Dungeons & Dragons, it stitches together visual art, character design, and lore—all in real time—to help players immerse themselves in custom-built worlds. It’s not an AI layer on top of an existing game engine or productivity suite—it’s a wholly new type of product, born from the creative possibilities of AI itself.  This kind of experimentation is reminiscent of the early App Store era, which in turn echoed the era of the early internet. In both cases, what started as a flood of oddball experiments, viral hits, and personal projects laid the foundation for entirely new platforms. What looked like play was, in hindsight, the beginning of a seismic shift. And that’s the point. The freedom to explore ideas that don’t have to scale, fit a roadmap, or serve an existing customer base is exactly what creates the space for these projects to break new ground. AI won’t be won by the companies stuck in the past Every technological shift brings a new class of winners. Earlier pivot points elevated companies like Google, Amazon, and Facebook, while others like Yahoo and IBM struggled to adapt to a rapidly evolving landscape. The smartphone revolution catapulted Apple and Android to dominance, while Microsoft, Nokia, and BlackBerry failed to adapt. AI will be no different. The companies that truly define this era won’t be the old guard—they’ll be the scrappy, relentless newcomers who build AI-native products that unapologetically break from the past.  Read more:AI is creating a new class of entrepreneurs, and you’re either in or out | Opinion Christel Buchanan Christel Buchananis the founder and CEO of ChatandBuild, an AI-powered platform that transforms ideas into fully functional apps in minutes.

Shardeum has unveiled its mainnet after a testnet phase that attracted more than 1.4 million participants from across the globe, setting a new record for Layer 1 testnet validator nodes. According to the official press release sent to crypto.news, the EVM-based autoscaling network recently launched its mainnet after a month-long delay. Its testnet phase generated more than 171,000 physically-run public validator nodes, the highest number of validator nodes ever recorded on a Layer 1 testnet. The protocol’s mainnet is designed to solve the “scalability trilemma,” which essentially allows global users and developers to maintain decentralization, scalability, and affordability without sacrificing a single aspect in favor of another. The network is equipped with a unique ability to breakdown its workload into smaller parts, known as “shards,” which enables the project to ensure transaction validation run in parallel. Initially, the mainnet genesis will begin with 256 validators combining together to form two shards. Due to its shard-like approach, the mainnet offers a number of features including the ability to run nodes in under one minute through a single-command install, without requiring participators to employ heavy hardware or a large stake. Moreover, Shardeum’s approach keeps gas fees as a minimum, remaining as low as $0.01, even when network congestion is high. Upon launch, the mainnet will be support by a number of industry players including treasury operations firm PrimeVault, validator and operator service Mintair and airdrop and token vesting manager Tokensoft. The network is launching with more than 60 open-repositories along with an innovative validator accountability system that involves automatic rotation of consistently under-performing nodes. You might also like:Shardeum to debut its new mainnet on April 15 after token airdrop Shardeum’s token distribution Shardeum’s native token, SHM, will also be launched alongside its mainnet, with a total circulating supply of 249 million tokens. According to the project’s tokenomics, around 36.72% will go to the community token sale while 30.6% of the tokens will be allocated to the team. Both token distributions come with a 3-month cliff period and a two-year daily linear vesting timeline. Meanwhile, 22.44% of tokens will go to the project’s foundation and will be unlocked during the token generation event. The same applies for 10.23% of tokens allocated to the ecosystem and airdrop distribution. The protocol’s token will be used for various on-chain functions, including governance, staking, and gas payments. So far, SHM is set to be listed on major crypto exchanges including BitMart, CoinW and MEXC. On the other hand, the mainnet will be integrated into EVM-supporting wallets, such as MetaMask, OKX Wallet, and Trust Wallet. Chief Technology Officer of Shardeum, Srini Parthasarathy said the launch of the project’s mainnet is not just a technical milestone, it is also proof that it is possible to solve what many deemed as the “blockchain trilemma,” which often resulted in a trade-off. “Launching mainnet with a record-size grassroots validator set is exactly the kind of milestone that convinces us Shardeum will be the foundation for the next wave of Web3 applications,” said Parthasarathy. In the later half of 2025, Shardeum expects developers to start testing smart-contract functionality, followed by stable dApp deployments soon after. As previously reported by crypto.news, Shardeum’s mainnet launch was originally slotted for April 15. However, it was eventually delayed to May due to unfavorable market conditions. Read more:Shardeum layer 1 confirms its token will launch on May 5 after multiple delays

Markets were flashing green on Thursday as trade tensions eased following confirmation of a trade agreement between Washington and London. The Dow Jones Industrial Average gained 254 points, or 0.62%, while the S&P 500 lagged slightly with a 0.58% gain. The Nasdaq outperformed, climbing 1.07%. Shares of Alphabet also rose after the company released a report stating its search traffic remains strong, despite earlier claims from an Apple executive that Safari search usage is declining due to rising AI adoption. Bitcoin (BTC) traded above the $100,000 mark for the first time since early February. Trade deal ‘in the coming weeks’ Investors were in a buying mood as U.S. President Donald Trump confirmed that a trade deal with the United Kingdom may be finalized “in the coming weeks.” The agreement—the first of its kind since the Trump administration imposed widespread tariffs on trading partners—has fueled optimism that the era of steep tariffs might be temporary. Boeing stock gained nearly 4%, boosted by news that the deal includes a $10 billion order for Boeing aircraft from London. Trump also hinted at what he described as the “biggest tax cuts in history,” predicting that the U.S. economy would “soar like a rocket ship.” U.S. Treasury Secretary Scott Bessent and Trade Representative Jamieson Greer are set to meet with their Chinese counterparts in Switzerland over the weekend to discuss trade and economic issues.

如今，没有一个人没有听说过加密货币。关于它的讨论甚至已经达到了政府层面，几乎不可能不以某种方式参与其中。自 2024 年 11 月以来，我们几乎每天都会听说加密货币，几乎每天，我们都能看到有关它的大新闻。2025 年 1 月 23 日也发生了同样的事情，当时特朗普签署了有关加密货币和区块链的行政命令。 你可能还喜欢：重点是加强美国在加密技术领域的领导地位 | 观点 我们可以看到，随着全世界对代币化资产必要性的接受度和理解度不断提高，代币化资产正变得越来越受欢迎。行业预测显示，到 2030 年，代币化市场规模可能达到 50 万亿美元（甚至更高？）。2025 年将是这场革命的重要一年，这一点很难争辩。 为什么？让我们来一探究竟。 2025 年：预期的监管转折点 我们都知道，唐纳德·特朗普的到来在加密社区备受期待，因为他做出了多项支持加密的承诺。正如我已经提到的，在他就职后，我们已经看到了进展。首先是在美国证券交易委员会内成立了一个专门的加密工作组。 第二是签署了有关加密货币的行政命令，这是朝着加密监管迈出的更重要的一步。然而，重要的是要明白，目前还没有最终的规定，但它们正在形成过程中。人们对废除 SAB 121 有一些担忧，这是可以理解的，但与此同时，我们也看到了这个行业的民主化。 我相信我们很快就会看到明确的规定。知道什么是允许的，什么是不允许的，这一点很重要。这会给这个行业带来什么？很多。 首先，随着政界人士开始支持加密货币，更多的人可能会研究和采用它们。有了明确的监管，公众的信任将大大增强。 因此，明确规定什么是允许的、什么是不允许的，这将吸引更多投资者，因为他们会对公司的运营方式更有信心。但重要的是要记住，在监管方面，最重要的是找到监管与创新之间的平衡。我们已经有加密资产监管市场的例子，它告诉我们这并不那么容易。 然而，值得一提的是，代币化资产不仅仅是加密资产，它是一个更广泛的术语，涵盖以区块链上的代币形式数字化的实体资产或权利。因此，新法规也将使现实世界的资产受益，加速其采用，并提供在今年达到潜在 500 亿美元市场所需的信心。 鉴于这一切，有些人预计今年市场将大幅增长，但我认为这将是一个渐进的过程。至少应该如此。 2025 年哪些因素将塑造行业？ 2024 年发生了很多事情，而 2025 年将发生更多事情。当然，最重要的是将比特币 (BTC) 视为战略储备。事实上，这对行业来说是一个非常重要的时刻。政府对比特币作为价值存储手段表现出信心，这一事实正在增加机构投资者和散户投资者的信任和采用。 此外，1 月 23 日签署的行政命令还成立了总统数字资产市场工作组，该工作组将负责评估建立国家战略数字资产储备。虽然没有直接提到比特币，但现在还不能确定它是否会成为储备资产。无论如何，如果是任何其他数字资产，那也不错。 接下来是人工智能，这是目前最受关注的现象之一。它正在成为许多领域的强大推动力，代币化市场也不例外。这其实并不奇怪，因为人工智能驱动的投资组合管理可以让散户和机构投资者更容易获得代币化资产。它可以优化投资策略，最大限度地降低成本，并在资本市场提供新的机会。 2025 年预测 随着各国政府越来越多地探索代币化，代币化债务工具也可能变得流行。例如，G20 报告强调，代币化政府债券可以为透明度和运营效率建立新的标准。这实际上可以重新定义公共资金的全球管理和交易方式。 接下来是人工智能（是的，关于它的讨论确实没有停止）。行政命令也没有抛弃人工智能。唐纳德·特朗普曾提到，人工智能具有为国家经济赚钱的巨大潜力。我们再次看到了支持。 区块链人工智能技术具有如此巨大的潜力，其使用不会停止，预计到 2025 年将达到 7.03 亿美元。用于创建数字资产的智能合约有望简化财务流程，每年可能为全球基础设施成本节省 150 至 200 亿美元。 人工智能和代币化也可能导致新资本市场和小型企业的出现，这反过来会扩大投资者的机会并简化各种金融工具的获取。 2025 年，我们可以期待 DeFi 与 TradFi 更好地融合，让企业能够进入金融服务和私人市场。事实上，之前有很多关于将 DeFi 与 TradFi 连接起来的讨论，而 RWA 非常适合。有趣的是，房地产、商品和艺术品的代币化将变得更加流行。它将允许将所有权划分为可交易的部分，并增加这些市场的可访问性。 纵观全文，很明显，机构投资者的参与已经发生并将继续发生许多好的变化，对吧？因此，如果 2024 年主要是对代币化资产的投资年，那么 2025 年可能更多地关注它们的实际用途。这可能会永远改变各国的贸易方式。 更广泛的影响 安东·恰辛 安东·恰辛是私人金融科技集团 N7 Capital 的创始人兼首席执行官。N7 Capital 专注于开发创新金融科技解决方案，涉足金融科技、银行、IT、电子商务、区块链和数字资产。Chashchin 先生是一位经验丰富的投资者、顾问、慈善家和有远见的商业领袖，拥有超过 15 年在欧洲和全球推动创新项目的经验。Chashchin 先生为商业领袖董事会提供增长战略、运营扩展、资金指导和先进金融技术方面的建议。

联邦存款保险公司发布了 100 多份与备受批评和争议的加密货币公司和个人“去银行化”相关的文件。 FDIC 在 2 月 5 日的新闻稿中表示，这 175 份文件涉及该机构对“从事或试图从事加密相关活动”的银行的监管。 这份报告发布当天，美国参议院银行委员会开始就银行业务取消对美国的影响举行听证会。法院还下令将发布报告的最后期限定为 2 月 7 日星期五。 你可能还喜欢：美国国会开始调查加密货币去银行化指控 加密货币去银行化，通常被称为 Chokepoint 2.0，近几个月来一直是一个有争议的问题，联邦存款保险公司 (FDIC) 和美国证券交易委员会面临着来自各行业利益相关者的批评。 FDIC 代理主席 Travis Hill 评论道： “我过去一直批评 FDIC 对加密资产和区块链的态度。正如我去年 3 月所说，FDIC 的做法“导致了一种普遍的看法，即如果机构对与区块链或分布式账本技术相关的任何事情感兴趣，该机构就会停止营业。” 公布的文件包括与 24 家金融机构的通信，涉及他们参与或对加密相关活动的兴趣。 记录显示，FDIC 在很大程度上拒绝参与，频繁要求提供更多信息，延迟数月回复，并发布指令要求银行暂停、中止或完全避免与加密相关的活动。 你可能还喜欢：SEC 首席加密货币检察官调任 IT 部门 加密货币去银行化听证会无疑会揭露更多信息，但著名行业倡导者的评论赞扬了 FDIC 发布这些文件的决定。其中包括参议员 Cynthia Lummis，她在 X 上的一篇文章中评论道：