📰 Upbit to raise cold wallet ratio to record 99%

Following a $31 million hack, Upbit plans to reduce its hot wallet share to below 1%, pushing cold storage to 99% — higher than Coinbase and Kraken. The exchange already keeps 98.33% of assets offline and states that customer protection remains its top priority.

However, experts warn that such a minimal hot wallet balance may slow withdrawals during periods of volatility, especially in South Korea’s closed market, where arbitrage opportunities are limited and the “Kimchi premium” often emerges.

Upbit insists that its updated infrastructure will ensure adequate liquidity even under heavy load. Still, moving to 99% cold storage sets a new global security standard and could reshape the industry’s approach.

⚡️ Unlock the Future of Unified Liquidity with United Stables: The Next-Gen Stablecoin Revolution!

United Stables ($U) is live and transforming the fragmented stablecoin landscape into a unified, transparent, and fluid layer of money. Launched on BNB Chain and Ethereum, $U has already achieved a monumental milestone: 100,000,000 tokens minted in just 24 hours! Backed 1:1 by USD and trusted stablecoins, $U is designed for everyone—from street vendors in Nairobi to AI agents in Silicon Valley—empowering a truly inclusive digital economy.

What is United Stables?
United Stables is a groundbreaking stablecoin liquidity layer that consolidates scattered stablecoin reserves across exchanges, DeFi protocols, payment networks, and emerging AI systems. It solves key pain points like liquidity fragmentation, inconsistent transparency, and limited usability by creating a universal base currency for global markets. Whether you're trading with tighter spreads, earning yield in DeFi, settling institutional trades compliantly, sending low-cost remittances, or enabling machine-to-machine microtransactions via AI, $U makes it effortless and efficient.

At its core, $U is built to bridge humans and AI through programmable money, fostering an intelligent, autonomous economy. It's not just a stablecoin—it's the foundation for a united financial future where value moves freely without borders or barriers.

✔️ 1:1 Backed by USD
✔️ Near Real-time Proof of Reserve
✔️ Multi-Chain
✔️ AI-Ready For automated micro-transactions
✔️ Low Fees
✔️ Enterprise Privacy

💰 Use $U Right Now For:
✅ Trading with tighter spreads
✅ Transparent DeFi yields (lending, staking, RWAs)
✅ Fast & compliant institutional settlements
✅ Cheap & quick cross-border payments
✅ Payments to AI agents for micro-transactions

🛠 Day-One Integrations:
- PancakeSwap (trading & liquidity)
- Lista DAO (U Vault & lending)
- Aster DEX (spot trading)
- Wallets: Binance Wallet, Trust Wallet, SafePal
- Even accepted on SUPERFORTUNE AI DApp!

📊 Latest Data (Dec 20, 2025):
- Price: $1.00 (stable peg)
- 24h Volume: >$20 MILLION
- Already integrated across top BNB Chain protocols

🔶 Contract: 0xce24439f2d9c6a2289f741120fe202248b666666`

$U isn’t just a stablecoin — it’s unified digital money for humans and machines. Get in early and enjoy borderless liquidity! 💸

🔗 Official Links:
🌐 https://u.tech
🐦 https://twitter.com/UTechStables

🔥 Gold quietly hit a new record in 2025.

⚡️ Some assets move fast, others move steadily, but both say something about how we react to risk.

🚀 How well do you read these shifts?

👉 Check yourself by taking a short quiz.

🇰🇷South Korea fears losing control over its payment system due to stablecoins

Dollar-backed stablecoins are already being actively used by businesses and for salary payments, displacing domestic solutions thanks to faster and cheaper transfers. Authorities warn that without urgent regulation, control over payments could be lost.

Lawmakers are preparing the Digital Asset Basic Act, viewing stablecoins as a tool to protect against dollarization and a growth driver for small businesses.

📰 Stani Kulechov won the Aave DAO vote

The vote to transfer Aave DAO the rights to the website and social media accounts maintained by Stani Kulechov’s Aave Labs ended in defeat for the DAO. Only 3.5% of token holders voted in favor, 55% voted against, and 41% abstained.

Community members explain the outcome by noting that only three holders control 58% of AAVE tokens. However, a DAO victory could have brought chaos to the operations of one of the largest DeFi lending protocols.

Stani Kulechov promised DAO participants clearer alignment on their shared goals, reminding them that in 2025 the DAO earned $140 million, more than in the previous three years combined.

📰 Bitcoin outperforms gold in returns over the past 10 years

With a price of around $87,000, Bitcoin has outperformed gold and silver by several orders of magnitude in returns since 2015, gaining 27,701%.

According to calculations by analyst Adam Livingston, over the same period silver rose by 405%, while gold gained 283%.

Debates over which asset is the better are resurfacing amid rising precious metals prices, Bitcoin’s stagnation, and a weakening U.S. dollar.

📰 Strategy shifts focus in 2026 — Bitcoin moves to the background

On Jan. 1, Strategy — the largest corporate holder of BTC — shared its vision for 2026, and this time Bitcoin was not the central theme. In a New Year’s post on X, the company emphasized data, analytics, and business solutions aimed at building infrastructure for AI adoption.

With Strategy shares falling for a sixth consecutive month — for the first time since 2020 — this appears to be an effort to reduce dependence on BTC volatility and bring a more predictable revenue stream to the forefront.

📰 Polymarket enters the real estate market

Prediction platform Polymarket is launching betting markets related to housing.

Real estate platform Parcl will provide Polymarket with housing price index data, which will serve as the basis for a new line of markets.

These markets will include bets such as whether a city’s housing price index will fall over the course of a month, quarter, or year.

📰 Record XRP ETF trading volumes as Bitcoin and Ethereum see outflows

The results of the first full week of 2026 were mixed for crypto ETFs. While XRP ETFs reached a record weekly trading volume of $219 million, Bitcoin and Ethereum funds faced combined outflows totaling $750 million.

Since their launch in mid-November 2025, XRP funds have attracted a total of $1.22 billion in net inflows, with net assets reaching $1.47 billion, representing 1.16% of XRP’s market capitalization.

Spot SOL ETFs also recorded positive net inflows for the week, attracting $41.1 million.

🔝 Crypto Trends on X

Crypto has made it into the top trending hashtags on X. The Head of Product at X shared data showing the most popular hashtags from December 2025 to January 14, 2026.

BTC, XRP, and ETH all ranked among the most mentioned topics during this period. Notably, XRP was mentioned more often than ETH, which came as a surprise to many. 👀

🚀 TokenFi Launches Massive Branding Campaign in Italy – Tied to the 2026 Winter Olympics! 🇮🇹❄️

Starting January 26, TokenFi is unleashing a high-visibility real-world awareness blitz across Italy, perfectly timed with the buzz around the 2026 Winter Olympics in Milan and Cortina d'Ampezzo. This isn't just ads – it's strategic domination in premium spots to put tokenization in front of millions!

🛫 Venice Marco Polo Airport Takeover: Full digital branding in arrivals, greeting international travelers (over 11M annually) with TokenFi's message on real-world asset (RWA) tokenization the second they step off the plane.

🎪 Milan City Center Trams: Two fully wrapped TokenFi trams cruising key routes in Europe's financial powerhouse, reaching commuters, tourists, and influencers in one of the continent's busiest hubs.

The Olympics draw a elite global crowd – investors, institutions, innovators, and decision-makers flooding Italy for the event. You get front-row exposure during one of the decade's biggest traffic surges, spotlighting TokenFi as the go-to platform for effortless tokenization.

TokenFi, powered by the FLOKI ecosystem and backed by DWF Labs' $10M investment, makes launching tokens a breeze: No coding needed – just connect your wallet, describe your project, and let AI handle the rest (smart contracts, marketing, even KYC/AML). With over $500M in tokenized assets already and tools like Token Launcher, Connect SDK, and Real World Asset Tokenizer, you can turn ideas into reality in under 5 minutes. Plus, stake $TOKEN for rewards and governance!

TokenFi is building non-stop – real-world visibility meets cutting-edge tech. The future of RWAs is here!

🔗 More details:
https://tokenfi.medium.com/tokenfi-unveils-high-visibility-branding-campaign-across-italy-ahead-of-2026-winter-olympics-9bf7dfa1b42d

#TokenFi #TOKEN #RWA #Tokenization #WinterOlympics2026 #ItalyCampaign #CryptoBranding #DeFi #Web3 #FLOKI

📰 Tether bought 27 tonnes of gold in the fourth quarter

Tether, the issuer of the world’s largest stablecoin, reported that after purchasing 26 tonnes of gold in the third quarter of 2025, it added another 27 tonnes in the fourth quarter.

This level of gold buying places Tether alongside active central bank purchasers.

For comparison, the National Bank of Poland — the most active sovereign buyer among those reporting their purchases — increased its reserves by 35 tonnes in the fourth quarter, bringing total holdings to 550 tonnes.

📰 Opera MiniPay integrates Tether stablecoins

The developer of the Opera browser family, Opera Ltd, announced that its crypto wallet MiniPay has reached 12 million users. MiniPay allows users to transfer stablecoins from their smartphones without using separate crypto apps.

The sharp increase in MiniPay user registrations in Africa, Latin America, and Southeast Asia began after USDT and Tether’s gold-backed stablecoin XAUT were added to the wallet.

Following the announcement of the USDT and XAUT integration, Opera’s shares on Nasdaq jumped 15% to $14.30.

📰 Arthur Hayes explained the reason behind BTC’s drop

According to Arthur Hayes, the current drawdown is not driven by investor panic, but by the mechanics of banks and market makers.

Banks sell structured products linked to the IBIT ETF, and when certain price levels are reached, dealers are forced to hedge aggressively.

Hayes believes these automatic selling and buying flows are what trigger sharp market moves.

📰 ETHZilla tokenizes jet engines

ETHZilla has issued an Ethereum-based token backed by two jet engines that are currently under lease.

Investors gain access to rental income from these engines — an asset class that was previously largely limited to large funds.

📰 Bhutan opens up to digital nomads

Bhutan has launched a digital nomad visa priced at $2,800 per year, allowing foreigners to live and travel across the country for 12 months.

A key condition: applicants must also invest $10,000 into Bhutan’s sovereign financial infrastructure by purchasing TER, a new gold-backed crypto asset.

This marks a major shift for a country that, for decades, tightly restricted tourism with mandatory guides and daily fees of $100–250. The new visa signals Bhutan’s move toward a more open, innovation-friendly model — blending controlled openness with crypto and long-term visitors.

📣 Secured Finance Hits $40M Cumulative Trading Volume! 🔥

The Secured Finance team is celebrating a major milestone: their DeFi lending platform has officially crossed $40 million in cumulative trading volume!

Huge thanks to the entire community for powering this impressive growth through lending, borrowing, and on-chain activity.

Onward to the next big milestone! 🚀 ⏳

⚡️Check the live stats: 
https://defillama.com/protocol/dexs/secured-finance-lending

$DGMA as the fuel of verification ⛽️

Proof of Presence creates a new unit of value: the PoP-attestation. And $DGMA is what powers its economy.

When a business buys a verified event, when an app accesses analytics or API limits, when infrastructure anchors are used to strengthen trust, $DGMA becomes the settlement layer behind that verification.

$DGMA won't be a payment add-on. It aligns incentives across the network – rewarding validation, subsidizing infrastructure, and scaling PoP for mass adoption.

Verification becomes measurable. And $DGMA becomes the fuel behind it.

🔗 Know More:
🌐 https://dagama.world
✈️ https://t.me/dagama_chat
🎮 https://discord.gg/dagama
🐦 https://x.com/dagama_world