Dans la nuit du 13 au 14 août 2025, le Bitcoin a franchi un nouveau sommet historique à 121 000 dollars (104 000 €), porté par un contexte réglementaire favorable aux États-Unis et l’enthousiasme des investisseurs.

Les escrocs en ligne ont mis au point une nouvelle technique pour tromper les utilisateurs de PayPal. En exploitant une option dédiée aux comptes business, les cybercriminels parviennent à tromper leurs victimes en envoyant des messages qui passent par les canaux de communication officiels de PayPal.

President Trump is set to sign an executive order opening up 401(k) retirements plans to alternative assets, like private equity, real estate, and cryptocurrency. The move has the potential to unlock trillions in new investment for asset managers outside of stocks, bonds, and cash, "though critics say it also could bring too much risk into retirement investments," reports Reuters. From the report: "The order directs the Securities and Exchange Commission to facilitate access to alternative assets for participant-directed defined-contribution retirement savings plans by revising applicable regulations and guidance," the White House official said on condition of anonymity. The order directs the Labor Secretary to consult with her counterparts at the Treasury Department, the SEC, and other federal "regulators to determine whether parallel regulatory changes should be made at those agencies," the official said. [...] The new investment options carry lower disclosure requirements and are generally less easy to sell quickly for cash than the publicly traded stocks and bonds that most retirement funds rely on. Investing in them also tends to carry higher fees. In defined contribution plans, employees make contributions to their own retirement account, frequently with a matching contribution from their employer. The invested funds belong to the employee, but unlike a defined benefit pension plan, there is no guaranteed regular payout upon retirement. Many private equity firms are hungry for the new source of cash that retail investors could offer after three years in which high interest rates shook their time-honored model of buying companies and selling them at a profit. Whatever results may come from Trump's order, it likely will not happen overnight, private equity executives say. Plaintiffs' lawyers are already preparing for lawsuits that could be filed by investors who do not understand the complexity of the new forms of investments.

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The SEC has launched "Project Crypto" to overhaul outdated securities regulations for a blockchain-based future, aiming to support tokenized assets, crypto trading, and "super apps." "To achieve President Trump's vision of making America the crypto capital of the world, the SEC must holistically consider the potential benefits and risks of moving our markets from an off-chain environment to an on-chain one," SEC chair Paul Atkins said at the "American Leadership in the Digital Finance Revolution" conference on Thursday. "I have directed the Commission staff to update antiquated agency rules and regulations to unleash the potential of on-chain software systems in our securities markets ... Federal securities laws have always assumed the involvement of intermediaries that require regulation, but this does not mean that we should interpose intermediaries for the sake of forcing intermediation where the markets can function without them." CNBC reports: Atkins, the SEC chair, highlighted "super apps" (such as one Coinbase introduced two weeks ago) as a priority of his chairmanship, noting the need to allow the apps to thrive with an "efficient licensing structure," rather than subject to multiple regulatory authorities. So-called super apps like WeChat and Alipay -- which bundle several different services and functionalities into a single mobile app -- have long been viewed as the holy grail of financial technology by the industry. They're central to everyday life in China but haven't been successfully replicated in the West. Meta Platforms and X have made attempts to realize that vision, integrating payments, messaging and social content, among other functions. Atkins also said the Trump administration will work to prevent "innovative" companies from being driven offshore by burdensome regulations, and said the SEC "will encourage our nation's builders rather than constrain them with red tape and one-size-fits-all rules."

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PayPal has launched "Pay with Crypto" for U.S. merchants, enabling acceptance of over 100 cryptocurrencies with lower cross-border transaction fees and instant conversion to USD or its stablecoin PYUSD. "Businesses of all sizes face incredible pressure when growing globally, from increased costs for accepting international payments to complex integrations," said Alex Chriss, president and chief executive of PayPal. "Today, we're removing these barriers and helping every business of every size achieve their goals. [...] By enabling seamless cross-border crypto payments, we're breaking longstanding barriers in global commerce." SiliconANGLE reports: Using the new Pay with Crypto, merchants can now accept payments in the form of numerous cryptocurrency tokens, including bitcoin, Ethereum, USD Tether and Solana. The transaction fee rate will be 0.99% for the first year, increasing to 1.5% thereafter. The company said that rate is significantly lower than international credit card fees. "Imagine a shopper in Guatemala buying a special gift from a merchant in Oklahoma City," added Chriss. "Using PayPal's open platform, the business can accept crypto for payments, increase their profit margins, pay lower transaction fees, and get near instant access to proceeds." Merchants who accept cryptocurrency tokens can instantly convert them to dollars or PYUSD, the company's stablecoin, which is a type of cryptocurrency that maintains parity with USD so that every token is always worth $1. Funds stored as PYUSD on PayPal also earn 4% annual rewards. The company said the new service will roll out for U.S. merchants in the coming weeks. [...] Pay with Crypto will initially support cryptocurrency wallets from Coinbase, OKX, Binance, Kraken, Phantom, MetaMask and Exodus, with more planned.

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The House passed a bipartisan bill regulating stablecoins which now heads to President Trump's desk as part of his push to make the U.S. the "crypto capital of the world." Two other crypto-related bills -- one defining digital asset market structure and another banning a U.S. central bank digital currency -- were also approved by the House but face uncertain futures in the Senate amid partisan tensions and concerns over Trump's personal financial ties to crypto ventures. CNBC reports: The stablecoin bill, passed on a 308-122 vote, sets initial guardrails and consumer protections for the cryptocurrency, which is tied to a stable asset, often the U.S. dollar, to reduce price volatility. It passed the Senate with bipartisan support in June. "Around the world, payment systems are undergoing a revolution," said House Financial Services Chair French Hill of Arkansas as lawmakers debated the stablecoin legislation Thursday morning. Hill said the bill will "ensure American competitiveness and strong guardrails for our consumers." After Trump declared it "crypto week," the bills were stalled for more than a day amid disagreements among House Republicans about how to combine the legislation. In the end, GOP leaders put the three bills for a separate votes, leaving the fate of the other two bills unclear in the Senate. The internal dissent could foreshadow challenges ahead for the more sweeping crypto legislation that Trump has demanded and the industry has poured millions into advancing. The stablecoin measure is seen by lawmakers and the industry as a step toward adding legitimacy and consumer trust to a rapidly growing sector. Treasury Secretary Scott Bessent said in June that the legislation could help that currency "grow into a $3.7 trillion market by the end of the decade." The bill outlines requirements for stablecoin issuers, including compliance with U.S. anti-money laundering and sanctions laws, and mandates that issuers hold reserves backing the cryptocurrency. Without such a framework, Republicans on the Senate Banking Committee in a statement warned, "consumers face risks like unstable reserves or unclear operations from stablecoin issuers." After the votes, House Republicans strongly urged the Senate to take up the second bill, which would create a new market structure for cryptocurrency.

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An anonymous reader quotes a report from Phoronix: Merged yesterday to the latest development code for the LibreOffice open-source office suite is now recognizing Bitcoin "BTC" as a supported currency for use within the Calc spreadsheet program and elsewhere within this cross-platform free software office suite. Stemming from a recent bug report requesting Bitcoin as an official currency option within LibreOffice Calc, the necessary additions are now in place so it's a built-in preset like USD and EUR. Thus easier managing of Bitcoin transactions and the like from within LibreOffice Calc.

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Bitcoin "vaulted to a fresh all-time high Friday, breaking above $118,000," reports Yahoo Finance: Year to date, the token is up roughly 21%, buoyed in part by crypto-friendly policies from the Trump administration, including the establishment of a strategic bitcoin reserve and a broader digital asset stockpile... "At the heart of this rally lies sustained structural inflows from institutional players," wrote Dilin Wu, research strategist at Pepperstone. "Corporates are also ramping up participation," he added. The analyst noted companies like Strategy and GameStop have continued to add bitcoin to their balance sheets. Trump Media & Technology Group this week also filed for approval to launch a "Crypto Blue Chip ETF", which would include about 70% of its holdings in bitcoin. The timing of bitcoin's breakout also comes days before Congress kicks off its highly anticipated "Crypto Week" on July 14. Lawmakers will debate a series of bills that could define the industry's regulatory framework... The GENIUS Act is among the regulations the House will consider. The bill, which recently passed through the Senate, proposes a federal framework for stablecoins. "After jumping above $118,000 on Thursday, technical analyst Katie Stockton, founder and managing partner of research firm Fairlead Strategies, believes bitcoin is on track to reach $134,500, about 14% higher than current levels," writes Business Insider . It's not just bitcoin that's jumped this week. Other cryptos are surging as well. Ethereum has rallied over 16% in the past five days, and as DOGE rose 8% in the last day alone... Additionally, over $1 billion in short positions were liquidated in the last 24 hours as the price of bitcoin surged and traders were forced to close their positions, [said Thomas Perfumo, global economist at crypto Kraken].

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Dubai-based airline Emirates is partnering with Crypto.com to integrate Bitcoin payments into the airliner's payment systems and add NFT collectibles on the company's websites for trading. The airline is also hiring staff to support its blockchain, crypto, and metaverse ambitions, positioning itself at the forefront of digital transformation in aviation. "NFTs and metaverse are two different applications and approaches," explained Emirates Chief Operating Officer Adel Ahmed Al-Redha, adding that the airline will also seek to use the blockchain in tracing records of aircraft. "With the metaverse, you will be able to transform your whole processes -- whether it is in operation, training, sales on the website, or complete experience -- into a metaverse type application, but more importantly making it interactive." The official integration of crypto payments is expected to take place next year, according to the announcement.

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En l'espace de quelques heures, plusieurs portefeuilles dormants contenant des dizaines de milliers de bitcoins se sont animés. Et on enclenché des transactions valant des milliards de dollars.

Ripple Labs is applying for a U.S. national bank charter and a Federal Reserve master account, "following a similar move by stablecoin issuer Circle Internet Group as crypto firms look to be regulated to deepen ties with traditional finance," reports CoinTelegraph. From the report: Ripple CEO Brad Garlinghouse confirmed on X on Wednesday that the company is applying for a license with the US Office of the Comptroller of the Currency (OCC), following an earlier report by The Wall Street Journal. "True to our long-standing compliance roots, Ripple is applying for a national bank charter from the OCC," he wrote. Garlinghouse said if the license is approved, it would be a "new (and unique!) benchmark for trust in the stablecoin market" as the firm would be under federal and state oversight -- with the New York Department of Financial Services already regulating its Ripple USD (RLUSD) stablecoin. [...] Ripple's Garlinghouse added that the company also applied for a Master Account with the Federal Reserve, which would give it access to the US central banking system. "This access would allow us to hold $RLUSD reserves directly with the Fed and provide an additional layer of security to future proof trust in RLUSD," Garlinghouse said. "Congress is working towards clear rules and regulations, and banks (in a far cry from the years of Operation Chokepoint 2.0) are leaning in," he added, mentioning the conspiracy that the Biden administration sought to cut off crypto from the financial system. Ripple applied for the account through Standard Custody, a crypto custody firm it acquired in February 2024.

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An anonymous reader quotes a report from the Associated Press: The head of the federal government agency that oversees Fannie Mae and Freddie Mac wants the mortgage giants to consider accepting a homebuyer's cryptocurrency holdings in their criteria for buying mortgages from banks. William Pulte, director of the Federal Housing Finance Agency, which oversees Fannie and Freddie, ordered the agencies Wednesday to prepare a proposal for consideration of crypto as an asset for reserves when they assess risks in single-family home loans. Pulte also instructed the agencies that their mortgage risk assessments should not require cryptocurrency assets to be converted to U.S. dollars. And only crypto assets that "can be evidenced and stored on a U.S.-regulated centralized exchange subject to all applicable laws" are to be considered by the agencies in their proposal, Pulte wrote in a written order, effective immediately. Pulte was sworn in as the head of FHFA in March. Public records show that as of January 2025, Pulte's spouse owned between $500,000 and $1 million of bitcoin and a similar amount of Solana's SOL token. [...] The policy change is meant to encourage banks to expand how they gauge borrowers' creditworthiness, in hopes that more aspiring homebuyers can qualify for a home loan. It also recognizes that cryptocurrencies have grown in popularity as an alternative to traditional investments, such as bonds and stocks. The agencies have to come up with their proposals "as soon as reasonably practical," according to the order. "This is a big win for advocates of cryptocurrencies who want crypto to be treated the same way as other assets are," said Daryl Fairweather, chief economist at Redfin. Currently, stock investments are treated as qualifying assets that count toward reserves that banks want borrowers to have. But assets that are more volatile, like individual stocks or crypto, may be discounted by lenders, Fairweather noted. "As long as lenders are appropriately discounting crypto based on volatility, it's fine that crypto investments count toward reserves," she said. Danielle Hale, chief economist at Realtor.com, added: "If Fannie and Freddie are going to accept cryptocurrency as collateral, that's a strong incentive for banks to shift their practices. Because people who might otherwise have to sell cryptocurrency to qualify -- and maybe that's a deal-breaker for them now -- under this new policy, they can qualify. It sort of expands the potential pool of eligible buyers."

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