Opinion

Editorial opinions and perspective on Fintech.

Cardano (ADA) Founder Charles Hoskinson Calls Midnight Bigger than Zcash (ZEC)

Cardano’s (ADA) recent stretch has mixed technical progress with public friction. Founder Charles Hoskinson has argued that the privacy-focused Midnight network could eventually surpass Zcash, pressed Gemini (NASDAQ: GEMI) to list ADA again, and pushed back against critics who say years of building haven’t translated into stronger token performance. At… Read More

Arthur Hayes Says SpaceX ($SPCX) and AI Data-Center Boom Will Waste Trillions Before Bitcoin, Ethereum, Other Digital Assets Soak Up the Bailout

Arthur Hayes, the founder and former chief executive of BitMEX and now chief investment officer at the crypto fund Maelstrom, argues that the current rush to build artificial intelligence infrastructure is repeating a familiar pattern from earlier technology waves. Speaking at the Gamma Prime Investing… Read More

Bitwise CIO and Sovereign CEO Say NEAR’s Case No Longer Rests on AI Adoption Alone

Bitwise’s chief investment officer argues that NEAR Protocol’s investment case no longer depends solely on its longer-term ambition to serve autonomous AI agents. In an October 7, 2026 memo and related comments, Matt Hougan described the network as an operating blockchain business whose present activity… Read More

Vaults: The Good, the Bad, and the Ugly

Everyone keeps asking the SEC what a vault is. More useful question: what should a vault be, now that the constraints that produced the shared-vault container no longer exist? Billions sit in these things. Banks and fintechs are shopping. Regulators are circling. The industry is… Read More

Bitwise CIO Explains that XRP’s Institutional Value-Proposition Rests on Durability and Familiar Use-Cases

Bitwise Chief Investment Officer Matt Hougan has argued that XRP’s pull with certain institutional investors, especially financial advisors, rests on two plain considerations: confidence that the asset will still exist years from now, and a set of uses those advisors already recognize. The comments appear… Read More

CFTC Proposes Updated Crypto Rules Aiming to Support Innovation, Protect Investors; Advocacy Group BetterMarkets Slams It Anyway

Yesterday, the Commodity Futures Trading Commission (CFTC) issued proposed rules aiming to support digital asset innovation while protecting investors. Crypto proponents view the digital asset sector as key to the US maintaining its global leadership in financial services. Multiple jurisdictions worldwide have begun or already… Read More

French Execs Call for Direct Tax on Crypto to Stablecoin Trades

Executives at several crypto-focused companies in France have urged the government to treat conversions between volatile digital assets and stablecoins as taxable events. The proposal comes from Jean Meyer of the payments firm Deblock, Damien Patureaux of Lyzi, and Pierre Morizot of the tax-reporting software… Read More

European Digital Assets Investors Have More Confidence in MiCA-Regulated Companies, Bitpanda Exec Reveals

European cryptocurrency users are showing greater confidence in platforms that operate under official authorization, according to remarks from a senior executive at the Austrian exchange Bitpanda. Christian Trummer, the firm’s co-chief executive, made the observation while recently sharing key insights with news media outlets. He… Read More

BitGo CEO Warns Stalled CLARITY Act Leaves Capital Markets Open to a Risk Worse Than Lehman

BitGo’s chief executive has warned that the US Senate’s failure to advance the CLARITY Act leaves American capital markets exposed to a concentrated failure he believes could prove more damaging than the 2008 collapse of Lehman Brothers. Mike Belshe made the argument at Korea Blockchain… Read More

Aave Founder Stani Kulechov Criticizes European Central Bank Push to Restrict Stablecoin Yield and DeFi Access

Aave founder Stani Kulechov has publicly challenged positions taken by European authorities as the European Commission reviews the Markets in Crypto-Assets Regulation (MiCA). In comments published on October 2, 2026, he said he was disappointed by the European Central Bank and the European Banking Authority’s… Read More

BitMEX Co-Founder Arthur Hayes Says an AI Credit Strain Could Force a Rescue and Lift Bitcoin and Crypto Markets

Arthur Hayes, chief investment officer of the crypto fund Maelstrom and chief executive of Flop Labs, is arguing that the artificial-intelligence buildout is less a durable earnings story than a credit boom whose eventual strain could force official liquidity back into digital assets. In his… Read More

Reg A+ Pioneer Mark Rockefeller on Family Governance, Regulatory Overreach and the Future of Financial Advisors

  Capital Ideas podcast guest reflects on pioneering veteran-focused Reg A+ lending, why the SEC’s investor-protection instincts outran Congress’s intent, and how his new venture, Century House, is trying to give financial advisors a bigger role in their clients’ lives. Mark Rockefeller has spent the… Read More

SEC Innovation Exemption Caps Could Slow Robinhood’s US Stock Token Plans

Robinhood’s (NASDAQ: HOOD) crypto leadership says the US Securities and Exchange Commission’s (SEC) new on-chain equity pathway may limit, rather than immediately clear, a US launch of the firm’s stock tokens. Johann Kerbrat, senior vice president and general manager of crypto and international, made the… Read More

Stand With Crypto: 50,000 Letters Sent to European Commission Demanding Stablecoin Rewards

Stablecoin rewards, or yield, are a contentious topic in the US and Europe. In the US, the battle is ongoing, but so far the legacy banking sector has the edge, as direct yield has been banned. The GENIUS Act, the US stablecoin law, bars permitted… Read More

SEC Updates Definition of an Accredited Investor, Adds New Professional Qualifications, FINRA to Offer Test

The Securities and Exchange Commission (SEC) voted unanimously today to approve new pathways for individuals to qualify as an Accredited Investor, expanding opportunities to access private securities offerings. Broadly speaking, an Accredited Investor may participate in Reg D securities offerings. This exemption is used by… Read More

Senator Warren Asks Big Tech Firms, AI to Disclose Tax Breaks

Senator Elizabeth Warren and other Democrats are targeting big tech once again, as they have sent a missive to the CEOs of firms Amazon, Meta, Alphabet, and Microsoft, demanding that they share any tax breaks that have been received as they build out their AI… Read More

95% of Enterprise GenAI Pilots Deliver No Measurable Return, Oradian Says

Banking software provider Oradian says banks need to overhaul their core technology infrastructure to move generative artificial intelligence from experimentation to production, as most enterprise AI pilots fail to generate measurable returns. Oradian, citing data from MIT’s Project NANDA 2025 report, said 95% of enterprise… Read More

Nubank’s Monzo Takeover Discussions Highlight How Digital Banks Are Scaling and Why Incumbents Still Dominate

Brazil’s digital banking platform Nubank (NYSE: NU) is said to currently be holding early conversations about a possible purchase of UK’s Monzo, a move that would give the Latin American digital lender a ready-made platform in the United Kingdom and a foothold for wider European… Read More

Revolut Obtains Central Bank Approval to Acquire Banco Cetelem in Argentina

Revolut has secured a key regulatory milestone in Latin America after Argentina’s central bank approved its purchase of Banco Cetelem Argentina from BNP Paribas Personal Finance. The decision, announced by the London-based fintech on 24 September 2026, allows the company to complete a deal first… Read More

SEC Commissioner Hester Peirce Shares Departure Letter as She Moves on From the Commission

SEC Commissioner Hester Peirce, who has completed two terms at the nation’s securities regulator, will end her tenure at the beginning of next month. In a post on X, Commissioner Peirce shared a letter to President Donald Trump thanking him for the chance to serve… Read More

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