TechubNews

The warning letter from Washington's political circles in the United States is chilling. U.S. Representative Warren Davidson's deliberate criticism of the 2025 "Genius Act" raises fundamental questions about the so-called "innovation"—stablecoins—that we are now trying to believe and accept. He characterizes the bill as a "Trojan horse," ostensibly aimed at fostering the stablecoin market, but in reality allowing the government and banks to scrutinize and control all individual financial activities under a microscope.
Representative Davidson's insights pierce through the illusion of digital finance. The "account-based" system mandated by the Genius Act stifles the fundamental reason for the existence of cryptocurrencies—decentralization. This is not "digital cash" that allows us to hold and freely transfer our funds; rather, it records our funds on bank and government ledgers, requiring their approval to move—digital shackles. Ultimately, this will pave the way to a totalitarian regime through digital IDs.

Now is the era of the "Agentic Economy." This term, selected as a core keyword by the premium monthly publication "Blockchain Business Review" under TokenPost in January 2026, signifies a new economic paradigm where AI transcends being a mere tool to become an autonomous economic activity主体. Moreover, this massive trend has been validated even in the most conservative and core area of the financial system—the "payment and settlement" system.
Recently, a working paper published by the Bank for International Settlements (BIS) and a research team from the Bank of Canada demonstrated that generative AI (Gen AI) has the potential to assume the role of a bank's "Cash Manager," implying that the agentic economy is not a distant sci-fi future but an imminent reality.
◇ BIS Experiment: AI Unlocks the "Liquidity Management" Challenge

Last year, the market was plunged into panic due to Trump's tariff remarks, leading to a sharp decline in Bitcoin and a market cap evaporation. However, current market conditions indicate that the October crash was only a short-term fluctuation and did not affect the fundamentals. Bitcoin is showing signs of recovery, including spot ETF capital inflows and a shift in corporate financing, suggesting that the 2026 bull market is approaching. Investors should reassess market data and seize new opportunities.

Week 1 of 2026, the overall cryptocurrency market rose, with Bitcoin and Ethereum steadily recovering, and Ripple experiencing the largest increase. Experts believe that institutional investor participation will enhance market stability and recommend selective investments in projects with substantial value.

PaiCoin has recently experienced a slight rebound, with a price of $0.2074, but short-term recovery coexists with medium-term decline. Technical analysis shows bullish signals, and its market capitalization ranks 46th among cryptocurrencies. The community's debate over the valuation model has intensified, and the lack of specificity in the 2026 roadmap has raised investor trust issues.

[1] Introduction: Bitcoin breaks through $90,000, and the atmosphere is filled with calls of "Uptober" driven by quantitative algorithms. However, ETF funds are shifting to net outflows, and liquidity is clearly flowing into derivatives.
&39;Is this rebound a recovery based on actual demand, or an illusion caused by liquidity reallocation?&39; Exploring the essence of the rebound is the core focus of this week's market analysis.
[2] Internal Market Analysis ① (Price and Asset Structure): Bitcoin(+1.91%) and Ethereum(+4.43%) are leading the market with strong performance, but this is accompanied by an increase in Ethereum's market share and a decrease in Bitcoin's share. Altcoins are performing even more strongly. Dogecoin(+10.96%), Cardano(+8.91%), Ripple(+6.46%), and others have seen significant gains far exceeding Bitcoin. However, this rally is not based on technological or ecological expansion, but is heavily influenced by leveraged trading dominated by derivatives, which means it is not a fundamental...

The cryptocurrency market is on an upward trend in early 2026, with Bitcoin breaking through 130 million KRW, boosting institutional investors' confidence in buying. Ethereum and Ripple have also risen, and future volatility may increase. Investors should pay attention to technical resistance levels and policy changes.

Jeollanam-do will provide 400 billion KRW in low-interest loans to support small and medium-sized enterprises to address challenges caused by economic slowdown and high interest rates. The funds are divided into bank funds and policy funds, with interest rates below market levels, aiming to ease the burden on businesses, stabilize operations, promote employment, and regional economic development. This move could become a new model of enterprise financial support led by local governments.

The International Bank Communication Association (SWIFT) has decided to collaborate with 17 countries and 32 major banks worldwide to introduce a new system that significantly shortens overseas remittance times. This move aims to address existing processing delays, with the goal of achieving near real-time interbank transfers as early as 2026.
Currently, SWIFT is a global remittance network used by approximately 11,000 financial institutions worldwide. About 75% of overseas remittances processed through this system can be delivered to the recipient bank within 10 minutes, but afterward, due to internal reviews or procedural delays, actual funds often take longer to arrive. This causes inconvenience and additional costs for individuals and businesses.
The promoted system is considered a highly effective improvement plan. It requires each participating bank to establish a dedicated organization to provide 24-hour remittance services, without significantly altering the existing SWIFT infrastructure. U.S. banks such as Bank of America and