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White House to Release First-Ever U.S. Crypto Policy Report on July 22
Historic moment comes after a week of landmark wins for digital asset legislation
The White House is preparing to unveil its first full-scale U.S. cryptocurrency policy report on July 22, marking a critical step toward regulatory clarity for digital assets, stablecoins, and the broader crypto ecosystem.
The release follows a major legislative milestone branded by officials as “Crypto Week,” which saw:
- The GENIUS Act signed into law, establishing the first federal framework for stablecoins.
- The Clarity Act and Anti-CBDC Act advancing through the House of Representatives.
- Renewed executive commitment to U.S. leadership in digital financial technologies.
Executive Order Reverses Biden-Era Crypto Policy
On January 23, 2025, President Trump issued an executive order titled “Strengthening American Leadership in Digital Financial Technology.”
The order:
- Revoked President Biden’s 2022 directive (EO 14067) that had laid groundwork for a U.S. central bank digital currency (CBDC).
- Banned the creation of a government-run digital dollar.
The same order mandated that a full policy report be submitted within 180 days—leading to the July 22 release.
Interagency Task Force to Deliver Policy Blueprint
A special Working Group—comprising the Treasury Department, Department of Justice, and other federal agencies—has spent months preparing the forthcoming report. It will be delivered to the President through the American Presidential Economic Panel (APEP) and is expected to:
- Recommend clear federal laws and oversight mechanisms for digital assets.
- Establish principles for risk management and consumer protections in crypto markets.
- Propose strategies for handling a federal digital asset stockpile, including coins seized via law enforcement.
- Invite public and industry consultation to inform regulatory direction.
Stablecoins at the Core of U.S. Digital Finance Strategy
The policy report will likely build upon the momentum of the GENIUS Act, which has now become law. The act:
- Defines stablecoin issuance rules.
- Requires separation between traditional banking activities and digital token operations.
- Bans interest-bearing stablecoins while promoting payment-based use cases.
These measures position stablecoins as the gateway for integrating crypto into everyday financial infrastructure—while safeguarding against systemic risk and tech monopolies.
Crypto Moves from the Margins to the Mainstream
With major legislative frameworks now taking shape, the U.S. is transitioning from regulatory uncertainty to a more rules-based digital asset regime. The Clarity Act seeks to define digital tokens under existing securities law, while the Anti-CBDC Act cements political opposition to centralized digital currencies.
“Crypto Week” may mark the moment when U.S. digital asset policy turned from debate into durable infrastructure.
@ Newshounds News™
Source: Coinpedia
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Truist Accelerates Push Into Digital Lending Amid Market Uncertainty
Q2 earnings reveal growth through innovation, rising digital engagement, and a strategic reinvestment push
Despite a challenging macroeconomic environment and tepid investor sentiment, Truist Financial Corporation is doubling down on its digital modernization strategy—using innovation to drive performance, mitigate risk, and capture long-term growth.
During the company’s Q2 2025 earnings call on July 18, Truist leadership emphasized core priorities: loan growth, strategic reinvestment, and expanding digital channels. The bank reported strong results, including:
- ~37,000 new checking accounts added in Q2
- Digital channel responsible for 43% of new accounts, up from 34% YoY
- 2.3% quarter-over-quarter increase in net interest income (NII)
- Stable credit quality amid rising deposit costs
“We delivered strong second-quarter results, driven by strategic loan growth and higher net interest income,” said CEO Bill Rogers, who described the bank’s strategy as resilient and forward-looking.
Balancing Growth With Risk Management
Amid uncertain rate dynamics and cautious capital markets, Truist’s ability to maintain credit stability while pursuing digital transformation was a central theme of the call.
- Net Interest Income: Rose to $3.64 billion, up 2.3% QoQ
- Net Interest Margin: Held steady at 3.02%
- Loan Growth: Average loans and leases rose $6.2 billion, driven by new originations in consumer lending, residential mortgages, and commercial/industrial (C&I) loans
- Deposit Costs: Rose to 1.85%, up 6 basis points, pressuring margins
Yet, this margin compression was offset by a surge in digital usage.
Over 1.8 million clients used Truist’s digital financial tools—a 40% YoY increase. The Plan & Track dashboard drove a 30% rise in digital engagement.
LightStream Rebrand: A Deeper Digital Push
Truist has now fully integrated its LightStream lending unit into the main platform under the name “LightStream by Truist”—a move aimed at consolidating its footprint in prime digital lending.
The bank’s evolving digital ecosystem is seen as a direct response to growing demands from SMBs and consumers for low-fee, high-access banking services—a space where regional and community banks continue to challenge larger incumbents.
Research from PYMNTS Intelligence and i2c shows that smaller banks thrive when they adopt collaborative, tech-forward models, giving Truist’s digital-first strategy additional validation.
Investor Caution, But Eyes on the Back Half
Despite the solid Q2 performance, Truist shares dipped, as weak fee income and rising credit provisions tempered Wall Street’s enthusiasm.
Still, executives struck a confident tone. The bank expects:
- 3% full-year NII growth
- Recovery in investment banking and trading segments
- A favorable environment if the Fed delivers two rate cuts in H2 2025
“We’re staying on offense,” said Rogers, “with a clear strategic focus, a strong balance sheet, and an unwavering commitment to purpose.”
@ Newshounds News™
Source: PYMNTS
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XRP Positioned as Infrastructure for a Multi-Trillion-Dollar Financial Future, Analyst Says
Ripple’s On-Demand Liquidity network and XRP’s regulatory clarity pave the way for institutional-grade financial infrastructure
Ripple’s XRP token is quietly evolving into a core component of the next-generation global financial system, according to macro analyst Versan Aljarrah, also known as the Black Swan Capitalist. Backed by Ripple’s On-Demand Liquidity (ODL) network and recent regulatory wins, XRP is being positioned as a neutral bridge asset for tokenized assets, cross-border payments, and even central bank digital currencies (CBDCs).
A Global Infrastructure Shift in Motion
Ripple’s ODL system is already being deployed in Asia, Africa, Latin America, and the Middle East, replacing the outdated nostro-vostro model used by traditional networks like SWIFT. The technology enables real-time, low-cost cross-border transactions without the need for pre-funded accounts.
“Ripple isn’t just building a payments solution—it’s laying the foundation for a global liquidity infrastructure,” Aljarrah emphasized.
The company is now operationally embedded within real-world financial corridors. A notable example includes Ripple’s custody deployment with the Dubai Land Department, enabling tokenized real estate management via blockchain.
Regulatory Green Lights and Institutional Confidence
Ripple has secured regulatory approval in major jurisdictions including Singapore, the European Union, and the United Arab Emirates. These licenses make Ripple’s technology usable by both sovereign and institutional participants within legal frameworks.
In the United States, Ripple scored a critical legal victory in 2023 when a federal court ruled that XRP is not a security, removing a major regulatory cloud and paving the way for further institutional integration.
XRP Demand Driven by Liquidity, Not Hype
Aljarrah asserts that institutional XRP demand is purely organic, driven by the need for scalable, real-time liquidity—not retail speculation.
- To process $1 trillion in daily volume, XRP liquidity pools would require approximately $100 billion worth of XRP
- XRP’s fixed supply ensures that demand for deeper liquidity will likely translate to upward price revaluation
As the tokenization of financial assets accelerates—covering equities, bonds, real estate, and even carbon credits—XRP’s scalable and interoperable ledger is emerging as a critical backbone for value exchange.
CBDCs and Sovereign Integration
Ripple’s CBDC Private Ledger is now being tested by multiple central banks, exploring XRP’s ability to bridge sovereign digital currencies with both privacy and compliance intact.
The goal: Interoperability between national CBDCs that maintains speed, security, and legal clarity—areas where XRP already has a head start.
Quietly Dominating the Financial Infrastructure Race
“This isn’t about hype—it’s happening corridor by corridor, country by country, system by system,” Aljarrah said.
Ripple and XRP are solving the problems legacy systems can’t—offering speed, neutrality, and deep liquidity in an increasingly fragmented and tokenized financial world.
As institutions seek settlement-layer stability and real-time digital asset infrastructure, XRP may be transitioning from a speculative digital asset to a core layer of financial plumbing—with long-term implications for valuation and adoption.
@ Newshounds News™
Source: Crypto News Flash
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