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Some politicians and business leaders have embraced the potential of cryptocurrencies, particularly in terms of their ability to facilitate fast and secure cross-border transactions and promote financial inclusion. Additionally, some American companies have invested heavily in cryptocurrencies, including Tesla's purchase of $1.5 billion in Bitcoin and Square's acquisition of $50 million worth of Bitcoin.

Overall, the relationship between America and the cryptocurrency industry has been complex, with a mix of support and skepticism from various government officials and regulatory bodies. So, it remains to be seen how the government will ultimately regulate and approach the use of cryptocurrencies in the future.

On the contrary, its completely human written for sure. It was written before ChatGPT was launched:



The detectors all returned that it was human written because it was indeed written by a human. If anything its an example of the detectors doing their job accurately.

First Republic said on Monday it was considering “strategic options” to strengthen the bank’s position.
The bank’s recovery plan includes selling off unprofitable assets and laying off up to a quarter of its workforce of about 7,200 employees.

I'm curious why the bank allow the depositors to withdraw $100 Billion of money? I think when the depositor want to withdraw a huge amount of money, the bank will make difficult for them to withdraw. The bank will investigating the money he have, only allow him to withdraw some portion of his total money, etc giving an excuse about any other bullshit reasons.

It doesn't feel right for the banks, maybe there's something behind that we're don't know...

Policy
UK Charities Offered Guidance for Accepting Crypto Donations
Nonprofits need to weigh up the risk of volatility and hacks, and follow money laundering norms, the Charity Commission said.

English and Welsh charities accepting crypto donations should keep accurate records and comply with tax and money-laundering rules, the Charity Commission said in guidance published Wednesday.
The regulator warned charities that assets such as bitcoin (BTC) or non-fungible tokens (NFT) can be volatile, prone to hacks and hard to trace – and that they’ll need to weigh up whether it’s worth accepting them at all.
“Our guidance stresses the risks involved in the use of cryptocurrency, and advises trustees to exercise caution,” Helen Stephenson, the Commission’s chief executive officer, said in a speech also given Wednesday.

In a July 2022 blog, the Commission’s Assistant Director of Policy Sam Jackson said that crypto could become a “more mainstream route to investing, trading, and moving assets,” citing fundraising successes using digital assets in Ukraine, and the U.K.’s own goal to become a crypto hub.
The Commission, responsible for registering and monitoring nonprofits in England and Wales, in January said it was probing the Effective Ventures Foundation, which had received significant backing from Sam Bankman-Fried and his exchange, FTX, which filed for bankruptcy in November.

B increases in USD, Q increases in USD, with B increasing faster
B increases in USD, Q decreases in USD
B decreases in USD, Q decreases in USD, with Q decreasing faster

1. Construction of a synthetic position
In spot markets, individuals can take positions relative to the quote asset and the base asset.On a basic level, a trade turns profitable if the value of the purchased asset increases relatively to the value of the asset used to purchase it. Assuming B being the base asset and Q being the quote asset, there are three general scenarios that would lead to a profitable trade:
B increases in USD, Q increases in USD, with B increasing faster
B increases in USD, Q decreases in USD
B decreases in USD, Q decreases in USD, with Q decreasing faster

For instance, an individual who trades ONT/USDT can either go long relative to USDT or short relative to USDT (through the use of lending). The trader can also construct a similar position relative to BTC (on the ONT/BTC pair).However, it would not be possible for users to trade a spot pair such as ONT/NEO unless it was explicitly listed on the exchange.

Both margin trading and the use of derivatives allow all market participants to trade synthetic pairs.

1.1 Using margin trading
One of the primary solutions relies on the use of margin trading through the borrowing of assets. Specifically, a trader wishing to take a long exposure on ONT/NEO could go through the following steps.
Scenario 1: the trader owns USDT as the underlying collateral
Borrow the asset to short: borrow NEO with USDT.
Sell this asset to the quote currency: sell NEO to USDT.
Long the asset with the quote currency: buy ONT with USDT.

Scenario 2: the trader owns NEO as the underlying collateral
Borrow the quote currency: borrow USDT with NEO.
Long the asset with the quote currency: buy ONT with USDT.
To exit this position, traders would need to reverse the trades. For instance, the trader in scenario 2 would sell ONT to USDT and then would return USDT (minus interests) to unlock his collateral (i.e., NEO).In addition, borrowing interests would also impact the performance of the trade and require the rebalancing of the position.

1.2 Using derivatives
With crypto-derivatives, opportunities have arisen to trade synthetic pairs. Specifically, it has become possible to take positions, settled in a third asset (i.e., USDT), on pairs “that do not exist”.For instance, an individual who recognizes his PnL in USDT can trade the price of ONT relative to NEO.Typically, a synthetic position would be opened with the two simultaneous trades:
Sell NEO/USDT contracts
Buy ONT/USDT contracts worth the same USD size as the contracts sold.

However, the position would need to be actively monitored: owing to the funding rate paid or received every 8 hours; it would be required to keep the size of both legs of the trade equal.Finally, the trader wishing to exit from his synthetic position would need to reverse the original trades. In our example, he would simultaneously buy NEO/USDT contracts and sell ONT/USDT contracts.

2. Benefits, constraints, and risks
In general, the use of synthetic exposure is expected to bring new benefits, such as:
Greater price efficiency in the market: it makes it easier for traders to take positions based on their strategy, i.e., increases the efficiency of the market, through a combination of bearish/bullish views relative to a pair of two assets.
Additional trading opportunities: from the perspective of users, it becomes straight-forward that the combination of long & short positions allows traders to be market-neutral. As cryptoassets typically display high correlations, it prevents a single directional bet “against the market”.
Profit and loss can be realized in the settlement currency: traders can bet on the price change of two assets while realizing gains & losses in a quote currency (e.g., USDT).

However, synthetic positions also introduce additional risks and constraints like:
Additional fees (compared to regular spot trading):
With perpetual contracts: as the position involves twice the number of trades of a normal position, fees must be paid twice. Moreover, funding rates can potentially lead to additional (but could also be positive) fees.
With margin trading: the position can involve up to three times the number of trades. Furthermore, interest must be paid on the assets borrowed, which can greatly impact the strategy’s performance.
However, the trading of synthetic pairs prevents the creation of low liquidity markets, which would result in high spreads (potentially higher than explicit transaction fees).

Risk of liquidation:
With perpetual contracts: the short leg of the trade can lead to the liquidation of a user. This is explained by the use of a third currency (e.g., USDT), which is none of the two currencies involved in the synthetic pair.
With margin trading: unlike spot trading, there is a risk of being liquidated if the price moves strongly against the position’s bet.
Greater complexity to manage the position:
With perpetual contracts: the rebalancing at the payment of funding rates (~8 hours) must be appropriately handled.
With margin trading: there is an explicit cost to maintain positions in the long-run, i.e., the borrowing rate requires active monitoring of the synthetic position.

3. Conclusion
Perpetual swaps and margin trading have allowed traders to profit from new positions that were not available before.However, synthetic pair trading strategies require a thorough understanding of the various elements involved in the trade, such as liquidation risk, additional transaction fees, borrowing rate (for margin trading), and funding rate (for perpetual contracts).With the development of new platforms (e.g., Binance Futures, FTX), supplementary trading opportunities will likely continue being added to the crypto-market.

COIN CEO can go where he wants to go, the US will remain strong and most crypto companies will stay and new ones will open. Meaning the US is too big to be threatened by this single entity, the hypocrisy of the CEO is high, some of them have branches elsewhere, it can be done by COIN also, not threatening. The US rules are spelt, the SEC and CFTC might both have jurisdiction in regulating a single digital asset depending on their usage as digital asset in terms of derivative and commodity classes. He should stop comparing the US that has the best regulatory plan to another country.

Bankrupt crypto lender Voyager Digital said it received a letter from Binance.US, terminating the asset purchase deal.
"Today we received a letter from Binance.US terminating the asset purchase agreement," Voyager said in a tweet on Tuesday. "While this development is disappointing, our Chapter 11 plan allows for direct distribution of cash and crypto to customers via the Voyager platform," the tweet added.
In a tweet, Binance.US attributed the termination to the "hostile and uncertain regulatory climate in the United States" that has "introduced an unpredictable operating environment impacting the entire American business community."
A substantive part of the $1 billion deal was allowed to proceed by the U.S. government in an April 20 filing, despite concerns the fine print of the contract would pardon breaches of tax or securities law.
The deal had been approved by the vast majority of Voyager creditors who voted, and by bankruptcy judge Michael Wiles. A committee representing those creditors in bankruptcy proceedings tweeted that it was "incredibly disappointed" with the news and was "investigating potential claims" against Binance.US.
Lawyers for the U.S. government, including the Securities and Exchange Commission, had sought to block the deal, arguing that some of the assets involved in the transaction, including potentially Voyager's VGX token, could constitute unregistered securities. VGX fell about 11%, trading around $0.3144 on Tuesday.
Binance.US' offer, originally made in December, allowed it to back out if the deal wasn't consummated within four months. In a recent legal filing, attorneys for Voyager warned that the deal falling apart could cost the estate, and its over 1 million creditors, an extra $100 million.
Faced with Twitter speculation that abandonment of the deal was linked to an upcoming settlement with the Commodity Futures Trading Commission, which has sued parent exchange Binance over selling unregistered crypto derivative products, Chief Executive Officer Changpeng Zhao responded with an emoji of a shrugging figure.

Top 10 Cryptocurrency Secrets Unleashed
Be Prepared for the Price Swings
Every investment has its own set of features that keeps them afloat., Similarly, the cryptocurrency market is filled with volatility. When you are buying a cryptocurrency, it indirectly means that you are signing up for the ups and downs it leverages. Sometimes, short-term steep falls are rise might even shock the investors. However, these are very common in the cryptocurrency ecosystem and you might actually yield profits from this. If you keep a close track of the growth and follow experts who are accurate about predictions, then you can invest in certain digital tokens and get your hand on good profits.  

Keep a Constant Check on Its Performance
Even if you are not a full-time cryptocurrency investor and is doing it on the sidelines for profit, you need to keep a constant tab on the price swings. Although a 24/7 observation is not needed, checking them at constant intervals is a good thing. The more complicated your investing strategy becomes, the more you should review it. While this might seem to be a thing for short-term investors, long-run investors can also follow these criteria to keep a healthy investment.  

Do Your Own Research and Manage the Risk Factors
A global fact is that cryptocurrency trading is a high-risk business and more traders lose than not. Therefore, don’t get tempted to add more value to your investment portfolio once you see a profit. Most importantly, don’t take other investors’ advise on what cryptocurrencies to invest in. Every digital token has its day! Bitcoin was at an all-time high just last November and now it is down like crazy. Therefore, do your own research before investing.
  
Opt for the Long-Term Investment
Fear of Not Missing Out (FOMO) and panic selling is very common things in the cryptocurrency market. Currently, people are trying to get rid of their Bitcoin investments before they could fall further and eat up their potential money. Similarly, six months back, investors went crazy over the Shiba Inu rally and many beginners tried their hand on the memecoin. Although these are the factors by which the cryptocurrency market functions, opting for the long-term investment plan is the best way to yield profit.  

Choose the Right Platform to Trade
Even if you have picked a cryptocurrency in mind to trade, choosing the right platform also matters. While picking the platform, make sure it abides by all the regulations of the country you are living in. Other factors like exchange liquidity, asset liquidity, and fees need to be clarified before investment. Explore the other features in the platform while you are trading in it.  

Use Trading Bots
Trading bots are becoming a common thing in the cryptocurrency market. They are automated software tools investors use to buy and sell financial instruments at a preconfigured time or when predefined conditions are met to maximize profits. Generally, trading bots identify the market trends and suggest investors invest in cryptocurrencies that give increased profits and reduced loses and risks.
 
Cryptocurrencies Can’t be Completely Wiped Out
Although countries might try to bring regulations on cryptocurrencies and their trading, a complete ban is impossible because anybody can own a wallet. Even if the country bans digital tokens, people can still use foreign accounts to trade them. Tech-savvy investors are also in the top of following such tactics. However, major countries won’t even consider banning cryptocurrencies as they know how much people have invested in them.  

Digital Tokens can Come Under Taxation
When Bitcoin made its debut in 2009, the whole concept of cryptocurrency was new to even government agencies. But over the decade, central authorities have become more aware of digital tokens and the profit investors yield. Therefore, many countries are coming up with effective taxation regulations that could come into effect in the coming months or years.  

Keep the Asset Safe at the Right Place
Currently, there are two types of storage in the market. One is hot storage and the other is cold storage. While hot storage refers to an online digital wallet, cold is an offline wallet that is typically stored on a hard drive. According to experts, keeping your cryptocurrency in a cold wallet is the safest way to protect it from hacks and mishaps.
  
Try Out Technical Analysis
If you are a pro in investing, then try out technical analysis tools to choose the right cryptocurrency. Technical analysis involves using mathematical indicators and chart patterns to try and predict which way the process will move next.

KEY POINTS
Tech investor Chamath Palihapitiya, who previously claimed bitcoin has replaced gold and would eventually get to $200,000, now says “crypto is dead in America.”
“The United States authorities have firmly pointed their guns at crypto,” Palihapitiya said on the latest episode of the All-In podcast.
The SEC has ramped up its enforcement of the crypto industry, bearing down on companies and projects that were allegedly selling unregistered securities.

Tech investor Chamath Palihapitiya, who said two years ago that bitcoin has replaced gold and predicted the digital currency would climb to $200,000, has a much more cautious view on cryptocurrencies these days.

“Crypto is dead in America,” Palihapitiya said in the latest episode of the All-In podcast.

Palihapitiya blamed crypto’s demise largely on regulators, who have gotten much more aggressive in their pursuit of bad actors in the industry. Securities and Exchange Commission Chairman Gary Gensler has said crypto trading platforms should abide by strict U.S. securities laws.

In answering questions in front of lawmakers recently, Gensler connected the collapse of Silicon Valley Bank with the crypto industry.

“You had Gensler even blaming the banking crisis on crypto,” Palihapitiya said. “The United States authorities have firmly pointed their guns at crypto.”

The SEC has ramped up its enforcement of the crypto industry, bearing down on companies and projects that the regulator alleges were selling unregistered securities.

In February, the agency proposed rules that would change which crypto firms can custody customer assets. In March, the SEC issued crypto exchange Coinbase a Wells notice — typically one of the final steps before it files charges — warning the company that it identified potential violations of U.S. securities law. Last week, the SEC charged the crypto asset trading platform Bittrex and its ex-CEO with operating an unregistered exchange.

Coinbase CEO Brian Armstrong told CNBC that his company is preparing for a yearslong court battle with the commission, and is also considering relocating outside the U.S. if it doesn’t get improved regulatory clarity. Meanwhile, Bittrex has already announced it would wind down U.S. operations specifically due to “continued regulatory uncertainty.”

They “were probably the ones that were the most threatening to the establishment,” said Palihapitiya, referring to crypto companies. “And they were the ones that, in fairness to the regulators, did push the boundaries more than any other sector of the startup economy.”

“Now they’re paying the price for that,” he said. “The bill has come due for them.”

Gensler faced similar criticism from House Republicans over the agency’s crackdown on cryptocurrency platforms during four hours of congressional testimony last week.

“Regulation by enforcement is not sufficient nor sustainable,” said House Financial Services Committee Chairman Rep. Patrick McHenry, R-N.C. “You’re punishing digital asset firms for allegedly not adhering to the law when they don’t know it will apply to them.”

McHenry said the SEC’s approach was “driving innovation overseas and endangering American competitiveness.”

Gensler defended the agency’s actions.

“We have a clear regulatory framework built up over 90 years,” he said, adding that the exchanges “are “noncompliant generally, and they need to come into compliance.”

Bitcoin, the largest cryptocurrency, reached a record of about $69,000 in November 2021, when the Federal Reserve’s benchmark interest rate was near zero and investors were flooding into risk. The market changed in a hurry last year, as the Fed began steadily raising rates to fight inflation.

In early 2021, Palihapitiya predicted on CNBC that bitcoin would rise from $39,000 at the time to $100,000 and then up to $200,000.

“In what period, I don’t know,” he said. “Five years, 10 years, but it’s going there. And the reason is because every time you see all of this stuff happening, it just reminds you that, wow, our leaders are not as trustworthy and reliable as they used to be.”

Later in 2021, just before the peak, he said bitcoin had “effectively replaced gold.”

Bitcoin is currently trading at just over $27,300, down 60% from its all-time high.

Five years after he first dissected cryptocurrencies on Last Week Tonight, John Oliver took another look at the sector on Sunday’s episode, after a series of high-profile and expensive busts. The most dramatic implosion was that of FTX, a cryptocurrency exchange hyped by celebrities such as Steph Curry and “pre-divorce but post-love” Tom Brady and Gisele Bündchen, which collapsed at the end of 2022 to the tune of billions of dollars.

The arrest of FTX’s billionaire founder, Sam Bankman-Fried, on charges of defrauding investors, was “a big deal”, said Oliver, though it’s just “one of the many dominoes that fell in the crypto world”. From late 2021 until June 2022, the total market value of all cryptocurrencies fell from about $3tn to $1tn .

“And there are small investors who got badly hurt by all of this,” Oliver continued, as one in five Americans has invested in, traded, or used cryptocurrency, and plenty have had their savings wiped out in various meltdowns.

Oliver looked at the collapse of three companies, each “founded on the promise that they would replace some part of our financial system”. There was Terra, a cryptocurrency; Celsius, a crypto bank; and FTX, a crypto-trading platform. “In theory, they were supposed to be our next dollar, our next Bank of America, and our next stock exchange,” said Oliver. “But in reality, they are fiascos.”

To start, Oliver offered a reminder that “every single crypto coin is just something that someone with a laptop made up”. The coins have value to the extent that people believe they have value, which often comes down to one’s confidence in the person or group who made the coin. The story for all three companies was “one of confidence gained and then squandered”.

He started with Terra, launched in 2018 by South Korean entrepreneur Do Kwan as a supposedly stable cryptocurrency – one unit of Terra was alleged to always equal one US dollar, guaranteed by another cryptocurrency called Luna, also made up by Terra and converted using the company’s “special algorithm”.

“If that sounds both complicated and stupid to you, it is,” said Oliver. “Imagine if someone came up to you when you’re at the ATM and said ‘give me that money, and instead, I’ll give you blorps. One blorp is always worth $1, and the reason I can guarantee that is I’ll sell as many fleasles as it takes to make that happen. Also, I make the fleasles.’” Most people would say no, “but if they then said ‘I do it with a special algorithm,’ suddenly you might think that they know something that you don’t. Well, that’s basically what happened here.”

Kwon’s confidence game worked for a while – he shouted down skeptics (“I don’t debate the poor on Twitter,” he tweeted about one detractor) as Luna’s value ballooned to $40bn. But several big trades in 2022 destabilized the price, as people rushed to sell Terra and Luna valued at essentially zero. After months on the run, Kwon was arrested last month in Montenegro on fraud charges in several countries.

Celsius, a crypto bank, was founded by Alex Mashinsky, who went out of his way to build trust in Celsius as a crypto bank friendlier to customers than traditional ones. As he insisted: “We are probably one of the least risky businesses that regulators worldwide have ever seen.”

“Which was just flagrantly untrue,” said Oliver. Investigators found that Mashinsky was making incredibly risky loans and using customer funds to pay the promised high yields, “which sure sounds like the textbook definition of a Ponzi scheme”.

Mashinky and Celsius haven’t been charged with a crime, but because the company’s terms of use stated that customers transferred all rights of ownership over assets deposited in a Celsius account, tens of thousands of customers still have digital assets trapped on the platform; the company owes customers $4.7bn .

So, in summary, “bullshit money and bullshit banks” with Sam Bankman-Fried and FTX rounding things out as a “bullshit trading platform”. Bankman-Fried cultivated a persona as a “shy, self-effacing genius,” said Oliver. “It’s why he dressed like every day was laundry day and combed his hair with a balloon.”

Bankman-Fried, who lobbied Congress for tighter regulation of the crypto market, pitched FTX as a stable platform akin to the new stock exchange, but in reality propped up the company with a currency he made up, tied to his hedge fund filled with the same coin.

As the new CEO brought in during the company’s bankruptcy put it: “Never in my career have I seen such a complete failure of corporate controls and such a complete absence of trustworthy financial information as occurred here” – “which is really saying something, given that his career includes overseeing the bankruptcy of Enron,” said Oliver.

The throughline with all three companies is “confidently projecting a veneer of expertise even as, beneath the surface, they were a complete shitshow,” said Oliver.

“The thing is, there are still companies out there making all the same claims that you’ve seen tonight,” he added. “And I’m not saying that they’re all scams. Maybe these three are the exceptions,” though he could cite many other exceptions. “But the truth is, in a financial system where the only real currency is confidence, scammers are going to thrive.”

Oliver wasn’t even sure about advocating for more regulation, as doing so would legitimize volatile, risky companies, nor would he fully disavow cryptocurrencies. “But we should recognize that right now, the main thing you can really do with crypto is gamble with more crypto,” he concluded. “This is all still a casino.”