Thurs. AM-PM Seeds of Wisdom News Update(s) 1-15-26

(Note: If you’re looking for more news regarding cryptocurrency, please visit our website Ripple Chronicles. All crypto news will be posted there. ~ Dinar Chronicles)

Seeds of Wisdom

XRP Faces Jan 15 CLARITY Act Test as ETFs Signal Confidence

Regulatory clarity meets a critical technical support zone

Overview

• XRP is trading above the key $2.00 level as U.S. lawmakers prepare for a pivotal Jan. 15 vote on the CLARITY Act.
  
• The outcome could shape XRP’s long-term regulatory positioning and institutional adoption.
  
• Despite a broader crypto market pullback, XRP spot ETFs recorded $4.92 million in net inflows, signaling continued investor confidence.

Key Developments

• A U.S. Senate Committee markup session for the Digital Asset Market Structure and Clarity Act of 2025 is scheduled for 10:00 AM ET on January 15.
  
• The bill aims to establish a comprehensive regulatory framework for digital commodities.
  
• It outlines oversight responsibilities for the CFTC, addresses wash trading, and mandates proof-of-reserves requirements.

Why the CLARITY Act Matters for Crypto

• Passage could reduce regulatory uncertainty that has constrained institutional participation.
• Clearer rules may lower compliance barriers for altcoins like XRP, improving scalability and adoption.
• Supporters argue the bill balances innovation with transparency and guardrails.

XRP ETFs Show Growing Institutional Interest

• On January 9, XRP spot ETFs added approximately 2.32 million XRP, reflecting $4.92M in net inflows.
• ETF demand suggests confidence in XRP’s regulatory outlook, even amid near-term market weakness.
• Price action continues to track institutional sentiment, not just retail speculation.

Technical Snapshot: Can $2.00 Hold?

• XRP is trading near $2.08 after pulling back from recent highs.
• Momentum indicators:
  • MACD below the signal line signals short-term bearish pressure
  • RSI near 43, indicating a neutral, non-oversold condition
    
• Upside scenario:
  • Holding $2.00 could allow a move toward $2.20 resistance
  • A breakout above $2.20 opens targets at $2.35 and $2.50
    
• Downside risk:
  • A break below $2.00 may expose $1.90, then $1.80 as next supports

Why It Matters

• XRP sits at the intersection of regulation and institutional adoption.
• The Jan. 15 vote represents a policy catalyst, not just a technical one, that could influence longer-term valuation.

Why It Matters to Foreign Currency Holders

• Regulatory clarity for digital assets supports alternative value rails alongside fiat currencies.
  
• For foreign currency holders anticipating a Global Reset, clearer crypto frameworks strengthen the case for multi-system monetary coexistence rather than reliance on a single reserve currency.
  
• XRP’s use case in cross-border settlement narratives keeps it relevant in broader currency realignment discussions.

Key Takeaway

• XRP’s near-term price hinges on $2.00 support, but its longer-term trajectory may be shaped by Washington, not charts.
• Regulatory clarity could prove more decisive than short-term volatility.

Sometimes the biggest price driver isn’t the market — it’s the vote.

Seeds of Wisdom Team
Newshounds News

Sources

• CoinGape — XRP Price Outlook Ahead of Jan 15 CLARITY Act Vote
• Cointelegraph — U.S. lawmakers advance crypto market structure legislation

~~~~~~~~~~

Russia Pushes Crypto Into “Everyday Finance” With Retail Access Bill

Caps, controls, and cross-border strategy redefine Moscow’s digital asset stance

Overview

• Russia is preparing legislation to open limited cryptocurrency access to everyday investors.
• The bill would allow non-qualified retail participants to buy crypto up to 300,000 rubles (about $3,800).
• Lawmakers aim to normalize crypto as part of the financial system, rather than treating it as a special or experimental asset class.

Key Developments

• The draft bill is expected to be reviewed during the spring session of the State Duma.
• It would remove cryptocurrencies from a special regulatory regime that has historically restricted their use.
• The proposal reflects a shift toward treating digital assets as routine financial instruments with guardrails.

Retail Access — With Firm Limits

• Non-qualified investors would gain access, but only within clearly defined caps.
• Authorities stress that crypto exposure must be controlled to prevent speculation and household risk.
• The 300,000-ruble limit is designed to allow participation without destabilizing the financial system.

Cross-Border and Strategic Use

• Beyond domestic trading, the bill supports:
  • Crypto-based cross-border settlements
  • Token issuance in Russia for placement on foreign markets
    
• These measures align with Russia’s ongoing efforts to diversify away from traditional financial rails amid sanctions pressure.

Central Bank Caution Remains

• The Bank of Russia continues to warn about systemic risks from unrestricted retail crypto access.
  
• Prior proposals included:
  • Risk-awareness testing for retail investors
  • Continued bans on anonymous and privacy-focused digital assets
    
• The new bill reflects a compromise between innovation and strict oversight.

Why It Matters

• Russia is signaling that crypto is no longer fringe — but policy-managed infrastructure.
  
• By integrating digital assets into everyday finance, Moscow is building parallel financial capabilities while maintaining tight state control.

Why It Matters to Foreign Currency Holders

• Expanded crypto use in Russia strengthens alternative settlement channels outside the dollar system.
• For foreign currency holders anticipating a Global Reset, this move reflects gradual system diversification rather than abrupt disruption.
• It reinforces the trend toward multiple value rails — fiat, crypto, and local currencies — coexisting during monetary realignment.

Key Takeaway

• Russia is not liberalizing crypto — it is institutionalizing it.
• Limited retail access, strict caps, and cross-border functionality point to strategic normalization, not speculation.

Crypto doesn’t go mainstream overnight — it gets regulated first.

Seeds of Wisdom Team
Newshounds News

Sources

• Bitcoin Magazine — Russia Moves to Make Crypto ‘Everyday Finance’ as Lawmakers Prepare Retail Access Bill
• Reuters — Russia explores regulated crypto use for domestic and cross-border payments

~~~~~~~~~

Source: Dinar Recaps

=======================================

CLARITY Act Stalls as Crypto Industry Warns It Shields Banks, Not Innovation

Regulatory clarity promised — institutional protection delivered?

Overview

• The Digital Asset Market Structure and Clarity Act failed to advance today after a Senate Banking Committee delay.
• Crypto industry leaders, including Coinbase, argue the bill protects banks more than crypto users.
• Regulatory uncertainty continues, keeping digital assets in limbo heading into 2026.
• The delay underscores a deeper divide between Wall Street priorities and decentralized finance realities.

What Happened Today

• The Senate Banking Committee postponed its scheduled markup of the CLARITY Act rather than moving it forward.
• No committee vote occurred, and the bill did not advance to the Senate floor.
• Lawmakers cited unresolved concerns and ongoing negotiations over the bill’s structure and scope.

Despite earlier momentum, today’s delay signals that consensus has not been reached on how crypto markets should be governed.

Why the Crypto Industry Is Pushing Back

Coinbase and other digital asset firms have been increasingly vocal, warning that the CLARITY Act:

• Reinforces bank dominance over custody, settlement, and market access
• Limits innovation by favoring existing financial intermediaries
• Creates regulatory hurdles for crypto-native firms while easing compliance paths for large banks

Industry critics argue the bill’s framework repackages crypto activity into legacy banking rails, undermining decentralization rather than clarifying it.

Banks vs Crypto: The Core Tension

At the heart of the debate is who benefits from “clarity.”

• Banks gain clear jurisdictional authority and compliance pathways
• Crypto firms face higher costs, licensing burdens, and operational constraints
• Retail users risk being pushed back into permissioned, centralized systems

This has fueled claims that the CLARITY Act is less about innovation and more about institutional control of digital finance.

Why It Matters

• Regulatory delays prolong uncertainty for markets, builders, and investors
• Wall Street-first frameworks risk slowing U.S. competitiveness in digital assets
• Crypto adoption may migrate offshore to jurisdictions with clearer, more balanced rules

Instead of clarity, today’s outcome reinforces the reality that digital asset regulation remains politically contested.

Why It Matters to Foreign Currency Holders

For readers holding foreign currency in anticipation of a Global Reset:

• Regulatory stagnation weakens confidence in U.S.-based digital rails
• Bank-centric crypto policy favors fiat preservation, not revaluation catalysts
• Alternative settlement systems abroad may gain momentum faster
• True value shifts tend to follow open systems, not tightly controlled financial structures

In short, currency realignment favors flexibility and neutrality, not regulatory capture.

Implications for the Global Reset

• Pillar 1 — Monetary Control: Governments remain focused on controlling rails, not liberating value
• Pillar 2 — Infrastructure: Innovation continues outside traditional banking frameworks

This is not just a crypto bill — it’s a signal about who will control money in the next system.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Investors.com – Senate Delays CLARITY Act Markup After Industry Pushback
• Cointelegraph – Crypto Leaders Warn CLARITY Act Favors Banks Over Blockchain Innovation

~~~~~~~~~~

BRICS vs ASEAN in 2026 Shows Why Alignment May Backfire

When joining a bloc increases risk instead of protection

Overview

• ASEAN’s growing association with BRICS is triggering tariff exposure rather than insulation.
• Indonesia’s full BRICS membership and partnership roles for Malaysia, Thailand, and Vietnam increase geopolitical pressure.
• U.S. tariff threats highlight the costs of perceived alignment in a polarized global system.
• Strategic autonomy, not bloc loyalty, emerges as ASEAN’s core vulnerability in 2026.

Key Developments at a Glance

• Tariff escalation risk: Indonesia faces potential U.S. tariffs exceeding 40%, explicitly linked to BRICS alignment.
• Regional spillover: Thailand, Malaysia, and Vietnam are already confronting elevated tariff regimes tied to geopolitical positioning.
• Non-alignment under strain: ASEAN’s long-standing neutral posture is increasingly difficult to maintain amid great-power rivalry.
• Currency implications: Discussions around BRICS-linked settlement systems raise concerns about financial sovereignty rather than protection.

How BRICS–ASEAN Dynamics Expose Tariff Vulnerability

At the center of the BRICS vs ASEAN debate is trade exposure. The U.S. has signaled that deeper BRICS alignment may invite punitive tariffs, reframing economic cooperation as a geopolitical liability. For export-driven Southeast Asian economies, this creates an asymmetric risk:

• Limited upside from BRICS trade frameworks, which remain loosely structured
• Immediate downside from Western trade retaliation, which is swift and enforceable

This imbalance highlights how alignment without institutional safeguards can backfire quickly.

Structural Dependence and the BRICS Currency Question

ASEAN’s challenge in 2026 is less about military strength and more about structural dependence:

• Supply chains, digital standards, data sovereignty, and payment rails increasingly define power
• BRICS-linked currency or settlement systems may reduce flexibility, not enhance it
• Smaller economies risk becoming rule-takers rather than rule-makers in multipolar arrangements

The push toward alternative payment systems introduces new dependencies without clear governance protections.

Why It Matters

• Multipolarity without rules increases friction, not leverage
• ASEAN centrality weakens when bloc alignment overrides strategic neutrality
• Economic coercion replaces diplomacy in trade policy
• Tariffs become tools of signaling, not just commerce

In 2026, alignment choices are no longer symbolic — they are priced directly into trade flows.

Why It Matters to Foreign Currency Holders

For readers holding foreign currencies in anticipation of a Global Reset:

• Tariff pressure erodes currency stability, especially in export-driven economies
• Bloc association does not guarantee protection or revaluation upside
• Currencies gain strength from trade access, not political alignment
• True reset conditions favor flexibility, neutrality, and diversified settlement options

The lesson is clear: currency value follows trade resilience, not bloc membership.

Implications for the Global Reset

• Trade Access Pillar: Open markets matter more than political alignment
• Sovereignty Pillar: Control over settlement, data, and standards defines future power

This is not about choosing sides — it’s about avoiding traps in a fragmented global system.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Watcher.Guru – BRICS vs ASEAN in 2026 Shows Why Alignment May Backfire
• Nikkei Asia – Southeast Asia walks tightrope as BRICS expansion tests neutrality

~~~~~~~~~

Source: Dinar Recaps

______________________________________________________

If you wish to contact the author of a post, you can send us an email at voyagesoflight@gmail.com and we’ll forward your request to the author (if available). If you have any questions about a post or the website, you may also forward your questions and concerns to the same email address.
______________________________________________________

All articles, videos, and images posted on Dinar Chronicles were submitted by readers and/or handpicked by the site itself for informational and/or entertainment purposes.

Dinar Chronicles is not a registered investment adviser, broker dealer, banker or currency dealer and as such, no information on the website should be construed as investment advice. We do not support, represent or guarantee the completeness, truthfulness, accuracy, or reliability of any content or communications posted on this site. Information posted on this site may or may not be fictitious. We do not intend to and are not providing financial, legal, tax, political or any other advice to readers of this website.

Copyright © Dinar Chronicles