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OpenAI Strikes Bold Deal With Kalshi to Mix Together the Most Hated Technologies in Existence: AI and Prediction Markets

OpenAI Strikes Bold Deal With Kalshi to Mix Together the Most Hated Technologies in Existence: AI and Prediction Markets

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Is it not enough to simply watch the beautiful game, unadorned?

These days you might use an AI chatbot to keep abreast of what’s happening in the World Cup. And that AI chatbot, in a sign of the times, might try to shove prediction market odds in your face as another way of ostensibly keeping you up to speed. Because are you really getting the full picture if you don’t know where a bunch of gamblers fall on the outcome?

This is exactly what OpenAI is doing. The Sam Altman-led company quietly struck a deal with Kalshi, which lets you bet on outcomes far beyond sports, to show its prediction market data in ChatGPT, the New York Times reported.

It’s perhaps the inevitable melding of two of the most divisive innovations to come out of the tech industry in recent years.

Searching France and Spain on ChatGPT ahead of their quarterfinal clash on Tuesday returned a graphic that showed that Les Bleus had a 60 percent chance of winning, according to the reporting. (We hope no one acted on that information.) Asking about the England and Argentina game on Wednesday showed that the Three Lions had a 54 percent chance of coming out on top.

Neither side promoted the deal, and the graphic is tellingly light on branding. There are no logos and no outbound links. The only sign of the collab is a small notice in the bottom left corner stating, “Source: Kalshi.”

This is the first partnership of its kind for OpenAI. The company recently updated its help page to stress that users “cannot place bets through ChatGPT,” with the Kalshi data being limited to “queries related to the 2026 World Cup,” according to the NYT.

Zooming out, it’s another sign of prediction markets laundering their image by glomming themselves onto other, more credible brands. In January, Kalshi partnered with CNN to provide its real-time prediction data on the news network’s broadcasts. Its rival Polymarket entered into a similar partnership with Dow Jones, the publisher of The Wall Street Journal, that same month. Both have also partnered with Google to show their data in search results.

Unlike traditional betting platforms, prediction markets don’t frame what they provide as gambling: they provide markets, not bets. They allow you to wager on all kinds of real-life events, ranging from the geopolitical outcomes to the completely trivial. Polymarket lets you bet on the destruction caused by wildfires and the use of nuclear weapons, for example, while also giving you the chance to make a buck on whether Cristiano Ronaldo will cry at the World Cup. (He did.)

Their fuzzy legal framework, plus their Wild West approach to gambling, has led to numerous controversies. Suspiciously timed bets on massive events like the US’s capture of ousted Venezuelan president Nicolás Maduro have raised concerns of rampant insider trading and put pressure on lawmakers to crackdown on the platforms. Arrests have been made in some cases, but these have been rare.

Put simply, for OpenAI, it may be somewhat risky to associate itself with all this baggage, which might be why the Kalshi collaboration is very limited — at least for now.

More on: Grim New Prediction Market Lets Gamblers Bet on Raging Wildfires

The post OpenAI Strikes Bold Deal With Kalshi to Mix Together the Most Hated Technologies in Existence: AI and Prediction Markets appeared first on Futurism.

Google is fighting to keep a €1.49 billion EU antitrust fine scrapped over old AdSense contract rules

Google is fighting to keep a €1.49 billion EU antitrust fine scrapped over old AdSense contract rules

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Google is having one of its worst weeks in Europe. The company is fighting to kill a $1.7 billion fine in court, bracing for new EU penalties, and facing a sharp report on how its AI treats children.

At Europe’s top court Wednesday, Google asked the Court of Justice of the European Union to reject EU competition regulators’ appeal against a 2024 lower court ruling that wiped out a €1.49 billion fine.

The lower court had said regulators made errors in building their case. Now the European Commission wants that ruling reversed.

The original dispute involves Google’s AdSense advertising platform.

Between 2006 and 2016, the Commission accused Google of using restrictive contract terms to stop rival companies from placing search ads on third-party websites. Regulators issued the €1.49 billion fine in 2019.

Google dropped the disputed clauses in 2016, but the Commission pressed ahead with the penalty anyway.

In court Wednesday, Google’s lawyer Josh Holmes defended the lower court’s decision, saying its reasoning was “clear and complete.”

He argued regulators had ignored evidence showing competitors had real and meaningful chances to win business. Commission lawyer Anthony Dawes pushed back hard.

“This finding turns case law on its head,” he said, arguing the ruling would effectively treat exclusive contract clauses as legal by default and put an unfair burden on regulators.

A court adviser is due to issue a non-binding opinion on November 12. A final ruling will follow. The case is part of a much longer fight.

Google and the EU have been clashing over antitrust matters for close to two decades, costing the company billions along the way.

New fines on the horizon

As the dispute continues, Google is facing another challenge. Internal documents from the European Commission indicate that EU regulators are preparing to issue new penalties against the company in the coming week under the Digital Markets Act.

The legislation was introduced to impose tougher obligations on the biggest technology platforms and ensure they follow stricter competition rules.

The upcoming fines could amount to hundreds of millions of euros. In addition, Google may face ongoing daily penalties if it fails to make the required changes within a 60-day deadline.

The new action covers two areas. In the first, the Commission is expected to find that Google has been unfairly promoting its own shopping, travel, and other services over rivals in its search results.

In the second, regulators want the Google Play Store to give app developers more freedom to point users toward competing platforms.

Under the Digital Markets Act, companies can be fined up to 10 percent of their total global revenue. Alphabet, Google’s parent company, posted $402.83 billion in revenue last year.

Google said it was “keen to bring these investigations to a close so we can get back to developing innovative products for our users.”

The company was also critical of changes it has already made under the DMA, calling them “the biggest downgrade in the product’s history” and saying they had created “a second-rate experience for Europeans to the benefit of a few self-interested complainants.”

AI safety concerns for children

A children’s digital safety group expressed grave concerns about Google’s AI tools, which increased the pressure.

According to research published by Common Sense Media, Google’s AI is especially concerning because it is “ubiquitous on children’s personal and school-issued devices,” as Chromebook computers are frequently used in classrooms.

The study discovered that young users had serious issues with Google’s “AI Mode” chatbot and its automatic “AI Overview” feature, which shows up in Google search results. Students’ schoolwork would be completed by the AI, which frequently provided inconsistent or incorrect responses.

More concerning, the investigation discovered that the system “failed kids in crisis, including missing clear signs of suicidal ideation, reinforcing signs of psychosis and mania, validating disordered eating including purging and celebrating cannabis use.”

Google’s AI features fell short on seven out of eight child safety standards the group tested. On top of that, neither AI Mode nor AI Overview can be switched off, leaving children at school and on personal devices with no way to opt out.

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How Morgan Stanley plans to bring crypto custody, staking and lending support in-house

How Morgan Stanley plans to bring crypto custody, staking and lending support in-house

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In June, Morgan Stanley received preliminary conditional approval from the Office of the Comptroller of the Currency to establish a national trust bank for digital assets.

The OCC decision opened a path for Morgan Stanley Digital Trust to bring custody, transaction administration, fiduciary staking, and collateral support inside the firm.

The proposed subsidiary would serve Morgan Stanley Wealth Management clients. Its public application presents it as a wholly owned national trust bank, giving the firm a regulated vehicle for functions that separate specialist providers have often handled.

The OCC’s application record classifies the filing as a new bank charter under a holding company with trust powers requested.

Washington has started selecting which crypto firms control custody at a national level
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Washington has started selecting which crypto firms control custody at a national level

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The proposed services cover everything from safeguarding assets to running the day-to-day operations behind an institutional account. It covers custody, purchases, sales, swaps and transfers, fiduciary staking, and collateral administration supporting affiliate digital-asset lending.

With final approval and implementation, Morgan Stanley could retain customer assets, transaction administration, staking administration, and lending-collateral work within its group.

Morgan Stanley crypto trust bank functions that could move in-house and infrastructure that would remain external

That shift puts crypto-native intermediaries under fresh pressure. Third-party custodians, staking administrators, and collateral-service providers face the clearest exposure where their products overlap with the trust bank’s approved functions.

Bringing those controls in-house at Morgan Stanley could make outside firms less central to client relationships and daily operational workflows around digital assets. It could also reduce the number of handoffs among the teams safeguarding assets, administering staking and managing collateral, concentrating more of the service relationship in one Wall Street group.

Crypto lending turns to Wall Street credit rules to win back institutional trust after 2022 collapse
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Jun 26, 2026
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Gino Matos

Several layers would still sit beyond the defined trust-bank plan. Access to execution venues, trading liquidity, lending counterparties, validator operation, and broader blockchain infrastructure each involve their own relationships and implementation choices. The OCC filing shows what Morgan Stanley wants to keep inside the bank, while outside firms can continue handling the rest.

The approval still comes with hurdles. Morgan Stanley Digital Trust needs at least $50 million in Tier 1 capital, a set pool of liquid assets, and enough liquidity to cover 180 days of operating costs, according to Corporate Decision 1378. The OCC application record lists the charter action as approved on June 18.

Final approval would let Morgan Stanley pull custody, transfers, fiduciary staking and collateral support for affiliate lending under one roof. Crypto-native providers would then have to show where they still add value once a Wall Street bank keeps the most important control points for itself.

The post How Morgan Stanley plans to bring crypto custody, staking and lending support in-house appeared first on CryptoSlate.

Health Care Workers Furious as NYC Replaces Nurses With AI

Health Care Workers Furious as NYC Replaces Nurses With AI

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Twelve nurses in New York City were laid off on Sunday and replaced with AI software, according to their union — a move that comes not long after nurses went on strike and fought for safeguards against AI.

One of the laid off workers, Marilyn Shuler, had worked at Montefiore hospital in the Bronx as a utilization nurse for 39 years before suddenly losing her job. Utilization nurses review patient charts to show that their care is medically necessary so that an insurance company will cover it.

“I’ve always, always taken so much pride in the organization that I’ve worked for all these years, and just to be treated this way,” Shuler told The Guardian. “It’s disrespectful, and it’s very disheartening, and my colleagues feel the same way as well.”

The New York State Nurses Association (NYSNA), which represents the healthcare workers, issued a statement earlier this month warning that Montefiore intended to replace nurses with AI. That has now come to bear. It also drew attention to the fact that the company providing the AI software, Datavant, has partnerships with Palantir, the surveillance tech firm which has stirred considerable controversy for its collaboration with ICE.

In January, some 15,000 nurses started what would become a 41-day strike at several of the state’s largest hospitals. The outcome of this was a new three-year contract which included historic safeguards against AI. 

But when Shuler and others returned to work in February, their workflow was changed without explanation, according to The Guardian. After a period of radio silence from management, the dozen nurses abruptly received 45-day notices in late May saying that they would be laid off.

“We are outraged about these layoffs because these dedicated nurses are being replaced by AI,” Shaiju Kalathil, a Montefiore nurse and a union committee member, said in the statement. “This is a violation of the contract that we recently won by going on strike. It should also concern every practitioner and patient who cares about the future of healthcare and the quality of care they receive.”

There’ve been clear warning signs that AI could disrupt healthcare workers. Doctors and nurses use AI tools for clinical notes, and some clinics use AI to help triage patients. Shortly after the nurses’ strike, the CEO of the NYC Health and Hospitals, the largest city healthcare system in the US, openly enthused about replacing radiologists with AI.

The transition to using AI could carry significant risks. In Brazil, a 32-year-old woman reportedly died after an AI system for assigning hospital beds left her waiting five days to be transferred to an intensive care unit.

Montefiore denies the framing that it replaced workers with AI.

“As is often the case, the claims by NYSNA are inaccurate and misleading,” Joe Solmonese, senior vice-president for government relations and strategic communications at Montefiore, told The Guardian. “What is true is that we are always investing in new technology to ensure the best care and outcomes for our patients and will continue to do so for the betterment of the people we serve.”

More on AI: A Majority of Americans Now Support Seizing Wealth From AI Industry

The post Health Care Workers Furious as NYC Replaces Nurses With AI appeared first on Futurism.

Ethereum Breaks Key Resistance Toward $2,000: How Far Will ETH Rally?

Ethereum Breaks Key Resistance Toward $2,000: How Far Will ETH Rally?

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The Ethereum (ETH) price broke out of a descending trendline that had capped it since the all-time high, while futures open interest climbed to $19.8 billion. ETH trades near $1,928, up 5.2% in the last 24 hours.

Derivatives positioning, liquidation data, and long-term chart structure now point in the same bullish direction. However, one missing ingredient still keeps the breakout unconfirmed.

Futures Traders Return as Open Interest Nears $20 Billion

Glassnode data shows Ethereum futures open interest across all exchanges spiked to $19.8 billion on July 14. That is the highest reading since June 3, when a market-wide deleveraging event reset positioning.

Open interest measures the total value of outstanding futures contracts. Rising open interest alongside a rising price suggests new capital is entering the market rather than shorts simply covering.

ETH Open Interest. Source: Glassnode

The metric had collapsed to approximately $15.5 billion in late June. Its sharp recovery indicates traders are returning to ETH derivatives with conviction. Elevated positive funding on Ethereum supports the same reading.

Whale trader Machi Big Brother reportedly opened a $24.3 million ETH long at 25x leverage, with liquidation set at $1,833.

A drop back below the June range would flip this signal and suggest the new positioning was short-lived.

Long Liquidations at a Yearly Low of 4% Point to a Short Squeeze

The composition of recent liquidations strengthens the bullish case. Ethereum futures long liquidations dominance fell to 4%, its lowest level in a year, according to Glassnode.

In plain terms, only 4% of liquidated positions were longs. The remaining 96% were short traders forced out as the price pushed higher.

ETH Long Liquidations Dominance. Source: Glassnode

Still, squeeze-driven rallies carry a caveat. Forced short covering can exaggerate upside moves, as the June 3 liquidations cascaded to exaggerate the downside. Spot demand must follow for the move to hold.

A return of dominance above 50% would indicate that longs are absorbing damage again and would weaken the momentum signal.

Ethereum Price Holds the Trendline From the 2022 Bottom

The weekly chart shows why the current level matters so much. An ascending trendline drawn from the June 2022 bottom, respected throughout the previous bull market, held near $1,600 once again.

The bounce also occurred inside a long-term green demand zone that has served as support four times since early 2023. Moreover, the area coincides with the 0.786 Fibonacci retracement of the entire cycle at $1,754.

ETH weekly chart. Source: Tradingview

This triple confluence of trendline, horizontal support, and Fibonacci level makes the zone a structural line in the sand. The next major resistance sits far above, at the 0.618 Fibonacci retracement of $2,438.

ETH Price Prediction as the $2,000 Test Looms

On the daily chart, Monday’s 6.5% green candle broke above a descending trendline in place since the all-time high. That line had rejected the ETH price five times before this breakout.

ETH daily chart. Source: Tradingview

The daily Relative Strength Index (RSI) confirms the shift in momentum. It broke out of its own descending trendline, drawn from July 2025, and now sits just below 65.

ETH daily RSI chart. Source: Tradingview

One warning sign remains. Volume has been declining during the recovery, so the breakout lacks confirmation from participation. Analysts watching the ETH/BTC ratio see early signs of a broader Ethereum comeback that could fill the missing demand.

Immediate resistance lies between $1,900 and $2,000. A confirmed daily close above that zone on rising volume could open the way toward $2,438, nearly 30% above the current price.

On the downside, $1,754 is the critical support. Losing it would expose the trendline near $1,600, and a weekly close below that level would invalidate the bullish structure entirely.

Either volume arrives to validate the breakout, or ETH returns to the zone that has saved it four times already.

The post Ethereum Breaks Key Resistance Toward $2,000: How Far Will ETH Rally? appeared first on BeInCrypto.

Revolut receives in-principle approval to offer crypto services in the UAE

Revolut receives in-principle approval to offer crypto services in the UAE

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Revolut has officially gotten past the first regulatory hurdle to offer crypto services in the United Arab Emirates. The fintech announced to its customers on Wednesday that Dubai’s Virtual Assets Regulatory Authority (VARA) has granted in-principle approval for its Virtual Assets Service Provider licence.

This opens a path to regulated crypto trading in the Arab world’s second-largest economy.

Once the firm secures VARA’s final sign-off, eligible UAE customers will be able to buy, sell, and hold digital assets through the main Revolut app and through Revolut X, the company’s standalone exchange, according to the company’s announcement.

Second UAE licence in two months

The approval for Revolut’s crypto services comes after an initial licensing approval in the UAE. In June, the Central Bank of the UAE handed Revolut its stored value facilities and category-2 retail payment services licences, which allow the fintech to run payments in the country.

Stored value facilities let users hold fiat, tokens, and rewards points for later use, while retail payment services cover cross-border transfers and merchant acquisitions.

Revolut stated that the two authorisations serve as part of a singular plan instead of two products. The payments firm aims to build a locally regulated financial platform in the UAE to serve all purposes.

Joseph Khair, head of Revolut Digital Assets FZE in the UAE, tied the approval to the emirate’s regulatory direction. He claimed the approval “lays the foundation for Revolut to introduce its trusted virtual asset services within a regulated environment,” adding that it supports VARA’s aim of building a “safe, transparent and innovation-driven” virtual assets ecosystem.

UAE’s VARA regulates the crypto sector

Dubai created VARA in March 2022 under the emirate’s Virtual Asset Regulation Law, the first local law written specifically for digital assets.

The regulator screens applicants on governance, ownership, financial resilience, technology, cyber security, risk management, and anti-money-laundering controls. It also keeps licensed firms under ongoing supervision.

VARA said last month it had issued its 50th VASP licence, and recent additions to that roster include Animoca Brands and prime brokerage provider LTP.

Revolut, founded in 2015 by Nikolay Storonsky, already runs crypto in the UK and across the European Economic Area, where the fintech serves more than 16 million crypto customers.

Europe suffers pullback, Revolut plans US entry

The UAE expansion lands while Revolut trims its crypto menu for European customers. Under the EU’s Markets in Crypto-Assets (MiCA) rules, the company will stop accepting Tether’s USDT deposits and later totally remove the stablecoin from eligible EEA accounts.

Affected users can sell or move their holdings before the services are cut off, and Revolut said the change will hit only some notified customers in particular European jurisdictions. Tether has not obtained MiCA authorisation in the EU.

The fintech is also looking to enter the US market. Reuters reported in June that the firm plans to open a US bank next year after filing for a national bank charter with the Office of the Comptroller of the Currency. The payments firm wants to build a platform combining FDIC-insured products, crypto trading, stablecoins, and multi-currency accounts.

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Key Solana (SOL) Indicator Finally Flashes a Buy Signal: Can Bulls Push to $120?

Key Solana (SOL) Indicator Finally Flashes a Buy Signal: Can Bulls Push to $120?

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Solana (SOL) joined the broader crypto rebound after cooling US inflation data, climbing back toward $80.

According to some analysts, this could be the beginning of a more substantial rally that might push the price well beyond the psychological level of $100.

SOL Turns Bullish

The renowned analyst Ali Martinez claimed that the Average True Range (ATR) stop has flipped below price, marking the first SuperTrend buy signal on Solana since October 10.

He believes that if buying pressure continues to build, SOL could surge toward $96 and even $121. At the same time, Martinez paid close attention to the $60 level, noting that a drop below that support would invalidate the bullish setup.

Michael van de Poppe also chipped in, suggesting that the asset is at an important crossroads. He thinks that if SOL manages to keep its current valuation at around $77, it may trigger a much more substantial upswing. On the other hand, he warned that a drop below $73 could trigger a retest of the lows in the coming weeks.

Bloomberg’s James Seyffart pointed to a key regulatory development that may swing momentum toward the bulls. He revealed that Wall Street giant Morgan Stanley has filed updated documents to launch a Solana ETF with the ticker MSOL and a 0.14% fee. An eventual introduction of such a financial vehicle could draw additional investors into Solana’s ecosystem and benefit the price.

It is important to note that Morgan Stanley wouldn’t be the only behemoth offering that kind of a product, as Bitwise, Fidelity, Grayscale, VanEck, Franklin Templeton, Invesco, 21Shares, and Canary Capital have already jumped on the bandwagon. The cumulative net inflow into spot SOL ETFs to date has reached almost $1.15 billion.

Another Positive Factor

The prolonged bear market and unmet ecosystem expectations have recently pushed Solana’s fear, uncertainty, and doubt (FUD) to its highest level for 2026.

This means that sentiment among market participants is extremely negative, and most weak-hand investors have already exited. The development could be interpreted as bullish, since the price often reverses when fear peaks, suggesting that the cycle’s bottom might have been formed.

The post Key Solana (SOL) Indicator Finally Flashes a Buy Signal: Can Bulls Push to $120? appeared first on CryptoPotato.

China moves to electric taxis to ease Hormuz oil scarcity issues

China moves to electric taxis to ease Hormuz oil scarcity issues

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China imported 41.3% less crude oil in June this year compared to the same month a year earlier, with this posing as the country’s fuel import weakest month since October 2016. Electric taxis have helped to absorb a huge slice of the shortfall since the Strait of Hormuz crisis began. 

China’s import figures and petrol demand

The figures released by the country’s Customs on July 14 put June imports at 29.27 million tonnes. This comes five months into a conflict that began in late February and has kept the Strait of Hormuz, which carries nearly half of China’s seaborne crude, under enormous threat. Hormuz sees between 45% and 50% of Chinese crude normally, according to Columbia’s Center on Global Energy Policy.

This, understandably, has led to an increased leaning on electric taxis. J.P. Morgan expects Chinese petrol demand to drop 150,000 barrels a day this year and another 50,000 in 2027. The bank’s analyst Natasha Kaneva explained the shift from petrol in a July 2 note, stating “The conflict may have accelerated behavioral changes that were already underway, leaving China structurally less dependent on oil than the market has historically assumed.”

Electric taxi switch happening in real time

The Ministry of Transport estimates that about half of the country’s 1.3 million taxis now run on batteries, a figure that is moving towards a complete 100% in the largest cities.

Cab hailing service Didi added 2 million hybrid and electric vehicles last year, lifting its fleet of cars not using petrol to 8 million. Battery-powered cars now handle 75% of the total mileage booked through the Didi app, according to figures cited by TNW.

The fuel data also gives credence to these noticeable changes. China consumed 10% less petrol and 14% less diesel in May than in the same month a year earlier, even as road freight increased by 2% and holiday travel during the May Day period set a record. Over the same window, riders took 3.05 billion taxi and ride-hailing trips, a 6% increase on the prior year.

There were no policy changes guiding this switch to electric taxis. In fact, the electrification push had already started before the crisis began due to commercial reasons. The crisis, however, added economic changes that favored battery-powered cars. Petrol prices rose while a rush of new drivers and cheap electric cars pushed fares down 10% to 15% over six months, according to TNW. Owners of petrol cars are leaving them parked and booking rides instead.

“Overall travel demand is still increasing, so more trips are shifting to public transport, such as taxis and the subway,” said Daizong Liu, East Asia director at the Institute for Transportation and Development Policy.

China’s pressure on oil demand

June’s import came mostly due to supply. Refiners saw crude distillation units at 57.72% utilization, which ran close to a 10-year low. China’s reduced buying helped to cap crude prices after Brent went above $79 on Monday due to the U.S. Iran ceasefire breaking.

Analysts expect the structural pressure on oil demand to last. Dai Jiaquan, chief economist at the CNPC Economics and Technology Research Institute, stated at a Hong Kong event that Chinese crude demand will peak within five years.

He said that China’s more immediate headache was refining the current overcapacity of 900 million to 1 billion tonnes against reducing demand of 750 million to 800 million.

Greenpeace has also predicted that 90% of taxi and ride-hailing mileage will be electric by 2035.

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Crypto-Backed Loans Are Changing How Bitcoin Holders Access Capital. Arch Lending Is Leading the Way.

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How Arch Lending Is Turning Bitcoin Into a Private Banking Tool for Everyone

Blockchain Interviews  ·  Crypto-Backed Loans

Crypto-Backed Loans Are Changing How Bitcoin Holders Access Capital. Arch Lending Is Leading the Way.

The ultra-wealthy have borrowed against their assets for decades without selling a single share. Arch Lending is bringing that same strategy to Bitcoin holders, and the results are changing how people think about liquidity, lifestyle, and long-term wealth.

By Ashton Addison  ·  Crypto Coin Show  ·  July 15, 2026

Every crypto holder knows the feeling. Bitcoin is down. Rent is due. The obvious move is to sell, and immediately regret it when the price recovers two weeks later. Worse, every sale triggers a taxable event, chips away at a long-term position, and removes capital from an asset that has historically outperformed nearly every alternative over any five-year window.

For years, the only option was to sell or hold and suffer. Crypto-backed loans change that equation entirely. And no one in the space has built the infrastructure around this idea more deliberately than Arch Lending.

Himanshu Sahay, CTO of Arch Lending, joined me on Blockchain Interviews to break down how Bitcoin-backed loans actually work, who is using them, and what the company is building next. What emerged was a clear picture of a lending platform that has quietly matured into one of the most sophisticated financial tools available to Bitcoin holders today.

$5K Minimum Loan
60% Max LTV
5 min End-to-End
4+ yrs Longest Clients

The Problem With Selling

With Arch Lending, a borrower pledges their Bitcoin or other digital assets as collateral and receives up to 60% of the collateral’s value in cash, directly into their bank account, without selling a single coin. The loan rolls on 12-month terms, interest rates are locked at signing, and the collateral sits untouched at Anchorage Digital, a federally chartered US bank and qualified custodian, in a bankruptcy-remote structure.

The process takes about five minutes from sign-up to funded loan. KYC is fully automated. For loans exceeding $100,000, borrowers can request their collateral be held in a segregated wallet, with the address shared directly so they know exactly where their assets are at all times.

Bitcoin is pristine collateral. It is the reserve asset of our time and it is liquid. We do not need to gate keep this at the private banking level. We can bring it down to an everyday level.

Bitcoin-Backed Loans as a Lifetime Strategy

What makes Arch Lending structurally different from most lending platforms is the long-term architecture behind the product. This is not a short-term bridge loan with a hard payback date at the end of the year. The rolling 12-month structure is designed to run indefinitely. Arch has clients who have been borrowing continuously for four-plus years, with no intention of stopping.

Sahay frames it explicitly in private banking terms. When high-net-worth individuals hit a certain asset threshold, they go to JP Morgan or UBS, hand over their portfolio, and draw a line of credit against it for life. They fund their lifestyle, their investments, their children’s education, without ever touching the underlying assets. The asset base keeps growing. The borrowing keeps running.

Bitcoin-backed loans are the same concept, democratized. You do not need $20 million in stocks to access this kind of structure anymore. You need Bitcoin, a few minutes to sign up, and a clear understanding of how LTV works.

How It Works

Pledge Bitcoin as collateral. Borrow up to 60% of its value in cash or stablecoins. Collateral is held at Anchorage Digital, a federally chartered US bank, in a bankruptcy-remote, segregated structure. Loans roll on 12-month terms indefinitely. Interest payments can be deferred. Refinance for free if rates drop.

Understanding the Risk and Why the Numbers Are Designed to Protect You

The most common concern with crypto-backed loans is volatility. Bitcoin can drop sharply in a bear market. What happens to the loan?

Arch Lending’s risk model is built around a sliding LTV scale. Borrowers start at 60% LTV. A margin call triggers at 70%, giving borrowers time to add collateral or partially repay. A liquidation event, which Arch does partially and never fully, occurs at 80% LTV and only after direct contact with the borrower.

The outcome at worst case: a small partial liquidation that brings the LTV back to 65%, and the loan continues. The borrower keeps the majority of their Bitcoin and keeps going. A margin call is a feature, not a punishment. It is the mechanism that keeps the loan healthy so borrowers never become forced sellers at the worst possible moment.

Sahay’s practical advice for retail borrowers: never pledge your entire stack. Use 60 to 70% of what you hold. Keep reserves available so a market downturn becomes a manageable event rather than a crisis.

How Crypto-Backed Loans Compare to a Bank Loan or Credit Card

The question newcomers ask most often is straightforward: why not just go to my bank? The answer comes down to three things: speed, collateral, and what you have to give up to get the money.

A traditional bank loan requires a credit check, proof of income, and often weeks of processing. A credit card charges 20% or more in annual interest with no ceiling on the rate and no underlying asset working in your favor. A home equity loan takes months, ties up your property, and if you default, you lose your house. Not a portion of it. The whole thing.

A crypto-backed loan through Arch requires none of the above. There is no credit check. There is no income verification. The collateral is Bitcoin: liquid, globally priced, and held safely at a federally chartered US bank. The process takes five minutes. The interest rate, currently ranging from around 10.49% down depending on loan size, is locked at signing and does not compound. And if the worst happens and a margin call cannot be met, Arch does a partial liquidation to bring the loan back to a healthy LTV. No foreclosure. No full wipeout. The loan continues.

The other meaningful difference is that a crypto-backed loan does not force you to time the market. With a credit card or personal loan, you spend borrowed money and pay it back from income. With a Bitcoin-backed loan, you borrow against an asset that is historically appreciating at 20 to 30% annually over five-year windows, while paying simple interest at sub-10%. The math works in the borrower’s favor in a way that no credit card or personal loan ever could.

The Sailboat Story and What It Actually Represents

One of Arch Lending’s most striking client stories involves a business owner and former sailing captain who used a Bitcoin-backed loan to purchase a blue-water yacht. He and his wife now live aboard full-time in St. Vincent in the Grenadines, sailing the Caribbean while he runs his business remotely. The loan covered the yacht purchase, insurance, maintenance, and repairs. He kept every Bitcoin he had accumulated. His interest rate is lower than a traditional marine loan would have offered, and because the loan is interest-only and non-amortizing, his monthly outgoings are a fraction of what conventional financing would require.

We are not here to be a short-term lender. We are here to be a partner for life, a private bank as you grow into your assets.

It sounds like an extraordinary edge case. Sahay makes the point that it is not. Arch has processed several thousand loans. The use cases include data center operators funding infrastructure, film producers financing productions, families buying homes, and everyday investors refinancing high-interest debt. The sailboat is memorable. The pattern it represents is not unusual: people with accumulated Bitcoin who need real-world capital and do not want to give up their position to get it.

Beyond Bitcoin: Ethereum, Solana, and XRP

While approximately 80% of Arch Lending’s business is Bitcoin, the platform supports Ethereum, Solana, and XRP, with additional assets available on request for any high-liquidity, high-market-cap digital asset. Arch has a significant XRP borrower base including businesses, and has participated in XRP-focused conferences alongside major ecosystem events.

The approach reflects a broader principle: Arch’s business is providing liquidity against digital assets, not taking a position on which asset is superior. The risk management infrastructure runs fully automated across supported assets, and the same protections apply across the board. Partial liquidation only, transparent LTV thresholds, no full wipeouts.

What Is Coming Next

Arch Lending has been credit-first since launch, and that remains the core product. But Sahay outlined a clear expansion roadmap during the interview.

Yield products are in development and expected later in 2026. For holders who do not have an immediate borrowing need, the ability to put idle assets to work through Arch’s infrastructure is the logical next step. A card product is also in progress. Details are limited for now, but a card tied to crypto-backed credit would give borrowers a direct spending mechanism without additional conversion steps.

Most immediately, Arch Lending is rolling out qualified custody for individual users, offering fully bankruptcy-remote US bank-grade custody at no cost, with trading and staking access at 25 basis points, significantly below the rates charged by major consumer platforms.

On the regulatory and geographic front, a California license is expected imminently, which would make Arch the first crypto lender with that certification in the state. Global expansion is underway through partnerships with regulated entities in major markets not yet accessible for individual retail borrowers.

The Bigger Picture

The crypto lending industry collapsed publicly in 2021 and 2022. Celsius, BlockFi, and others went under after mismanaging their books, lending out customer assets, taking on leverage, and operating without the discipline that any serious lender requires. The damage was real and the skepticism that followed was earned.

What has rebuilt since then is structurally different. At Arch, assets are held at a federally chartered US bank, bankruptcy-remote and untouched during the loan. That is the direct answer to how those earlier platforms failed. Collateral is not rehypothecated. It does not fund Arch’s operations. It sits in place until the loan is closed.

The industry is now larger than it was at its 2021 peak, and the terms, rates, and protections available to borrowers are materially better. Interest rates that once ran well above 15% are now sub-11% and falling as Arch’s cost of capital drops with scale and as broader rates ease.

For Bitcoin holders who have accumulated over years and need capital for a business, a home, or any life decision, crypto-backed loans are no longer a niche product. They are a mature financial tool with a clear structure, transparent terms, and a track record that is growing loan by loan.

Watch the Interview

Himanshu Sahay, CTO of Arch Lending  ·  Blockchain Interviews with Ashton Addison

Learn more and explore your borrowing options at archlending.com

Bitcoin pushes toward $65,000 on US inflation relief that may already be fading

Bitcoin pushes toward $65,000 on US inflation relief that may already be fading

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Bitcoin approached $65,000 on July 14 as a sharper-than-expected slowdown in US inflation weakened the case for another near-term Federal Reserve interest rate increase.

Data from CryptoSlate showed that BTC rose as high as $64,832 once the report landed, gaining about 4% from its intraday low and coming within $200 of a threshold it has struggled to hold over the past month.

This price performance followed the consumer price index falling 0.4% in June, its largest monthly decline since April 2020, the Labor Department said. Prices were 3.5% higher than a year earlier, down from 4.2% in May and below economists’ forecast for a 3.8% increase.

Core CPI, which excludes food and energy, was unchanged for the month and increased 2.6% from a year earlier. That was also below expectations and marked a slowdown from the 2.9% annual rate recorded in May.

Bitcoin faces a 90-minute Fed shock as CPI and Warsh testimony collide today
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Jake Kennis, senior research analyst at Nansen, told CryptoSlate that the reading represented a clear improvement but stopped short of establishing that inflation was on a sustained downward path.

Kennis said:

“The softness was led largely by energy, which eases near-term pressure on the Fed heading into the July FOMC and helped risk assets bid. That said, this is a cooler print rather than confirmation of durable disinflation.”

The energy decline behind CPI has already reversed

The inflation catalyst could lose force quickly because Bitcoin is responding to an inflation report that accurately describes June, a month whose conditions offer only a rough guide to the price conditions building in July.

This is because the improvement that pushed Bitcoin higher came from an oil market that had changed substantially before the inflation report reached investors.

BLS data show that energy prices fell 5.7% in June, while gasoline prices declined 9.7%, making the largest contribution to the monthly drop in the headline CPI. Those decreases followed a retreat in crude prices as a temporary agreement between Washington and Tehran raised hopes that traffic through the Strait of Hormuz would recover.

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That reprieve now has unraveled as the US has reinstated a naval blockade on Iran after Tehran said it had closed the strait, following a third consecutive night of attacks on Iranian targets by US forces, which Iran met by launching missiles at US allies and striking commercial vessels moving through the waterway.

Brent crude rose above $87 per barrel on July 14, then pared its gains, trading near $85. West Texas Intermediate (WTI) found an intraday high at $80.53 after both benchmarks reached their highest levels in about a month.

Patrick De Haan, head of petroleum analysis at GasBuddy, described the June CPI as a “rearview mirror,” saying the decline reflected prices from several weeks earlier, and the latest escalation pushed crude and retail fuel costs higher.

The timing raises the possibility that headline inflation could rebound as July gasoline, diesel, and transportation expenses are incorporated into the data. Higher crude prices could also spread through freight, aviation, agriculture, and manufacturing supply chains.

A renewed energy shock would complicate Bitcoin’s attempt to move through $65,000, as it could revive expectations that the Fed will keep interest rates elevated or raise them again before the end of the year.

Warsh limits the policy relief

Fed Chair Kevin Warsh told lawmakers on July 14 that monthly price fluctuations were inevitable, particularly in an unsettled global environment.

He said the central bank had no tolerance for persistently elevated inflation and stayed committed to restoring price stability.

According to Warsh:

“The Fed’s number one objective is to get monetary policy right—or as near to it as we possibly can. That is our clear and constant aim, the star we steer by. And if we get policy right—and we will—the inflation surge of the last five years will be a thing of the past.”

The Fed held its benchmark rate at 3.5%-3.75% in June after several officials raised concerns that energy costs could keep inflation elevated. The July 14 report weakened the case for a July increase, leaving the outlook for September and later meetings still unresolved.

Warsh described the CPI report as one data point and rejected the suggestion that it represented “mission accomplished.”

The restraint also limited how far traders could extend the post-CPI rally on expectations of easier monetary policy, and Bitcoin stayed below the resistance area that has capped several recovery attempts since June.

Bitcoin jumps above $62,000 after CPI report gives traders room to defend $60,000
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Bitcoin’s $65,000 attempt faces an oil test

Bitcoin must now convert its post-CPI advance into a sustained move through the $65,000-$66,000 resistance area, building on the momentum it is forming.

BTC held near $62,000 through repeated US attacks on Iran and avoided the broad liquidation cascade that followed earlier geopolitical shocks.

Data from Santiment also showed that key Bitcoin stakeholders were exhibiting bullish behavior and accumulating the top crypto.

According to the firm:

“Wallets holding 10–10,000 BTC have added roughly 11,000 BTC over the past week, a meaningful shift because this tier of whales and sharks has historically tracked closely with price direction. Small retail wallets are still mainly accumulating too, which shows dip-buying interest remains alive even after weeks of volatility.”

Bitcoin Stakeholders Accumulate
A Santiment chart shows Bitcoin wallets holding 10 to 10,000 BTC accumulated roughly 11,000 BTC over the past week, tracking price direction.

That accumulation helped Bitcoin respond quickly when CPI weakened the dollar and Treasury yields, and it could also provide support if higher oil prices begin challenging the inflation outlook again.

Lacie Zhang, a research analyst at Bitget Wallet, told CryptoSlate that the CPI report provided the liquidity-driven catalyst Bitcoin needed to break higher, noting that renewed disruption around the Strait of Hormuz made the advance more vulnerable to reversal.

She placed near-term support at $62,000 to $63,000 and resistance at $65,000 to $66,000, and a sustained break above that zone would take Bitcoin beyond the range that has contained it through much of June and July.

Such a move may require an easing of oil tensions, further ETF inflows, or a softer policy signal from the Fed, which could give buyers the confidence needed to absorb profit-taking near $65,000.

Renewed attacks around the Strait of Hormuz would keep the oil-risk premium elevated. Higher fuel costs could lift inflation expectations, restore bets on another rate increase, and weigh on Bitcoin before it establishes support above the resistance zone.

The post Bitcoin pushes toward $65,000 on US inflation relief that may already be fading appeared first on CryptoSlate.

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