Aleksandr1981

Банк международных расчётов предупредил о серьёзных рисках, которые несёт широкое распространение стейблкоинов, деноминированных в долларе США, — прежде всего для стран с развивающейся экономикой. Генеральный менеджер BIS Пабло Эрнандес де Кос (Pablo Hernández de Cos) изложил позицию регулятора в официальной речи «Стейблкоины: взгляд на проблему», опубликованной 20 апреля 2026 года.
Долларизация как главная угроза
По оценке BIS, стейблкоины, обращающиеся на публичных свободных от ограничений блокчейнах, создают условия для обхода регуляторных требований и усиливают риски долларизации в странах с формирующимися рынками и развивающихся экономиках. Де Кос проводит прямую параллель с прошлыми эпизодами финансовой долларизации, когда иностранная валюта вытесняла национальную в качестве средства сбережения.
Особую озабоченность вызывает сценарий «реальной долларизации»: когда сделки, цены и зарплаты начинают устанавливаться в иностранной валюте, это существенно осложняет проведение денежно-кредитной политики и подрывает монетарный суверенитет государства. Для стран, которые и без того испытывают давление на национальные валюты, подобная динамика несёт дополнительные структурные риски.
Валютный контроль и уклонение от налогов
В речи BIS отдельно указывается, что стейблкоины облегчают обход валютного контроля — как в периоды притока капитала в благоприятной конъюнктуре, так и при его оттоке в кризисные моменты. Природа публичных блокчейнов и личных кошельков открывает новые пути для уклонения от налогов, что ставит дополнительные вопросы перед регуляторами по всему миру.
Схожие опасения относительно долларизации и утраты контроля над капиталом звучали и на встречах МВФ и Всемирного банка, прошедших незадолго до публикации речи де Коса.
Прогнозы рынка: триллион к 2028 году
На фоне регуляторной дискуссии рыночные прогнозы выглядят весомо. Согласно отчёту Standard Chartered «Влияние стейблкоинов на развивающиеся страны», объём сбережений населения развивающихся стран в долларовых стейблкоинах вырастет с $173 млрд до $1,22 трлн к концу 2028 года. Такой рост более чем в семь раз за три года наглядно объясняет, почему тема стейблкоинов оказалась в центре внимания центральных банков.
Предложение стейблкоинов, 2020-2025
Динамику предложения стейблкоинов отражает и отчёт Citi GPS «Стейблкоины-2030»: по данным Artemis Analytics и Citi Institute, предложение USDT к середине 2025 года превысило $185 млрд, тогда как объём USDC составил около $80 млрд. Остальные стейблкоины держатся на уровне около $45 млрд. Все три сегмента демонстрируют устойчивый восходящий тренд с 2020 года.
Регуляторный фон
Выступление BIS вписывается в более широкий контекст: регуляторы в разных странах всё активнее осмысливают место стейблкоинов в финансовой системе. Речь де Коса не содержит конкретных законодательных предложений, однако задаёт концептуальную рамку для дальнейшей дискуссии — в том числе применительно к требованиям к резервам, идентификации пользователей и надзору за трансграничными потоками.
Таким образом, стейблкоины превращаются из нишевого инструмента криптовалютного рынка в предмет системного регуляторного внимания. Прогноз Standard Chartered предполагает, что к 2028 году масштаб их использования в развивающихся экономиках достигнет уровня, сопоставимого с объёмами ряда национальных денежных систем, — и этот факт уже сам по себе определяет повестку центральных банков на ближайшие годы.
#Stablecoins #Write2Earn #BIS
$USDC

The event betting platform Kalshi has barred three American politicians for five years and fined them for wagering on the outcomes of their own election campaigns.
Matt Klein, the incumbent senator from Minnesota, has to cough up a $539 fine for betting on his own primary race for a seat in the U.S. House of Representatives, with voting set for August. Ezekiel Enriquez, who ran for a similar position in March, was hit with a $784 fine — according to a settlement notice published by Kalshi.

Strategy, the largest corporate holder of Bitcoin, has surpassed the BlackRock IBIT fund in BTC volume. The fund currently holds about 802 823 BTC.
As a result, the company now controls over 4% of the total Bitcoin supply. The unrealized profit is estimated at around $242 million.
This indicates a rise in competition among institutional players and a strengthening long-term bet on BTC.

The Russell 2000 index has hit a new all-time high, sparking talks about a possible altcoin season. But this time, the situation is different from past cycles.
The historical correlation between the Russell 2000 and altcoins has turned negative for the first time since July 2016.
This breaks the usual model that traders have been looking at while waiting for altseason. The macro picture looks bullish right now, but the altcoins themselves aren't confirming this scenario yet.

The conflict over the Kelp DAO hack is heating up. The protocol is no longer buying into LayerZero's narrative that the attack was allegedly due to a misconfiguration on Kelp's part. Now, the team claims the opposite: the compromised setup was not an exception but rather a standard configuration that LayerZero itself used as a baseline.

A series of recent attacks on Drift and Kelp shows that the market is facing not just isolated hacks, but a sustained campaign against DeFi infrastructure. In just over two weeks, more than $500 million has been drained from the sector. And as time goes on, it’s becoming clearer that the hackers' target isn’t just individual protocols, but the very interconnectedness of the crypto market.

The UK regulator Ofcom has launched an official investigation into Telegram: they're checking if the messenger complies with the Online Safety Act 2023 requirements to protect users from illegal content.
What exactly is Ofcom investigating?
The probe was triggered by data from the Canadian Centre for Child Protection regarding the alleged spread of Child Sexual Abuse Material (CSAM) on the platform. Ofcom's own assessment also provided grounds for initiating the investigation.

AI has swept through the crypto space with a wave of fake security reports: bug bounty platforms are seeing a sharp uptick in submissions, a significant portion of which are generated using artificial intelligence and turn out to be bogus.
Bug bounty programs are a reward mechanism for 'ethical' hackers who uncover vulnerabilities in code. In the crypto industry, they are widespread: protocols and exchanges are ready to pay for genuine finds. But AI has changed the game. Generative models allow for rapid and cheap processing of large codebases in search of potential weak spots — however, they often 'hallucinate', presenting non-existent issues as real threats.

Tron's founder Justin Sun has filed a lawsuit against World Liberty Financial (WLFI) — a project linked to President Donald Trump's family — accusing the team of freezing his tokens and threatening to burn them 'without any justification.'
The lawsuit was filed in a federal court in California. On social media platform X, Sun stated that he exhausted all options to resolve the conflict out of court: 'I tried to resolve this situation with the World Liberty team in good faith without going to court. But the project team rejected my requests to unfreeze the tokens and restore my rights as a holder. I had no choice but to take it to court.'

Over the last decade, hackers have siphoned off more than $17 billion from the crypto market— and the main culprit behind these losses isn't the vulnerability of smart contracts, but the compromise of private keys. This data was published by the DefiLlama platform, which has documented 518 incidents over the past ten years.

Tim Cook is leaving his position as CEO of Apple — this position will be occupied by John Ternus, the current senior vice president of hardware engineering, starting September 1, 2026. Cook will transition to the role of executive chairman of the board. The decision was unanimously approved by the board of directors and is the result of years of succession planning.

Bitcoin network activity has fallen to a minimum in eight years, but the price has hardly reacted to this.
According to CryptoQuant, the number of active BTC addresses on April 8 fell to its lowest level since 2016. Meanwhile, a fresh estimate from Glassnode shows 661,313 active addresses per day. When compared to a price of around $78,000, it creates a rather strange picture that deviates from the usual market logic.

The total volume of blocked funds (TVL) in the decentralized lending protocol Aave decreased by $8.9 billion over one weekend — a consequence of the KelpDAO hack, during which hackers stole $293 million and used the stolen assets to create "bad debt" on the platform.
Chart of blocked funds in Aave. Source: DeFiLlama

Michael Saylor, co-founder of Strategy, posted on social media X a message "Think Even ₿igger" — and this almost certainly indicates another large Bitcoin purchase. Historically, similar posts have preceded official transaction disclosures, and this one came just a week after the company announced the acquisition of Bitcoins worth $1 billion.

Coinbase is testing AI agents in Slack and corporate email — and the company's CEO Brian Armstrong is already predicting that there will soon be more such agents in the company than live employees.
Armstrong reported on social media platform X that Coinbase has deployed two AI agents modeled after former top executives of the company. According to him, any employee will soon be able to independently launch an agent for themselves or their team: "I think at some point we will have more agents than people."

Telegram is turning into a full-fledged application development platform — the relevant tools were found in the official test build of the messenger on April 18, 2026.
Bot Cloud IDE: development directly in the messenger
Inside Telegram, a mini-application called Bot Cloud IDE has appeared. It turns the messenger into a serverless environment for creating and deploying bots — without external servers, VPS, and traditional hosting. Developers will be able to write code in JavaScript directly in Telegram, test it in a live sandbox with an editor and JSON output, and then instantly deploy it on the infrastructure of the messenger itself.

Negotiations on the CLARITY Act — the key bill for the digital assets market — have accelerated in Washington. According to JPMorgan, the document is close to the final stage: the number of contentious issues has been reduced to two or three topics, and the discussion on stablecoins has become noticeably more constructive.
For the market, this is an important signal. It's no longer about a concept, but about an almost ready regulatory model that will define the rules of the game for the industry in the USA.

Spot bitcoin ETFs recorded a net inflow of nearly $1 billion over the past week — the best result in more than three months, as market sentiment shifts back towards riskier assets.
Data shows that spot bitcoin ETFs attracted a total of $996 million in net inflows over the week. This figure has become the highest since the beginning of January, when inflows reached approximately $1.4 billion.

Artificial intelligence can write novels, compose music, and make diagnoses. But none of these abilities explain the main thing: why people increasingly feel that there is no reason to live. This is not a crisis of employment — it is a crisis of meaning. And the meaning of life has never arisen by itself: it has always been produced by someone.

The company Circle found itself at the center of a class action lawsuit following the hack of Drift Protocol for $280 million. The plaintiff is project investor Joshua McCollum, who filed a complaint on behalf of more than 100 victims.
The lawsuit was filed in the federal court of Massachusetts. It claims that Circle did not take any action to stop the movement of funds, despite the possibility of intervention.