The U.S. OCC granted Nubank conditional authority to organize a national bank 121 days after its September 30, 2025 application. Regulators set 12 months to complete capitalization and 18 months to launch, alongside separate authorizations from the FDIC and Federal Reserve. The charter would enable deposits, cards, lending, and federally supervised digital asset custody.

On January 29, 2026, Optimism introduced OP Enterprise, a production-grade suite for fintechs and financial institutions to launch managed or self-run chains in 8-12 weeks. The three-tier offering delivers 99.99% uptime SLOs, throughput up to 100+ Mgas/s, 5 billion RPC requests per month, and 160 engineering hours, with Unichain and Celo as early customers.

On 30 January 2026, Nubank received conditional approval from the U.S. Office of the Comptroller of the Currency to set up Nubank, N.A. as a nationally chartered bank. The Brazilian fintech plans to offer deposits, lending, credit cards, and crypto custody across all 50 states, with co-founder Cristina Junqueira leading the new entity as CEO and Roberto Campos Neto serving as Chairman.

In 2025, decentralized physical infrastructure networks (DePIN) reached an estimated $10 billion market capitalization while generating $72 million in on-chain revenue, according to Messari's State of DePIN 2025 report. Despite this measurable growth and roughly $1 billion in private funding for early-stage startups, many leading DePIN tokens traded at significantly lower revenue multiples than during the 2021 cycle. The report notes that some networks continued to grow usage-based revenue even as token prices fell across much of the sector.

EthCC, Europe’s largest Ethereum conference, will host its ninth edition in Cannes from March 30 to April 2, 2026, with a program centered on institutional participation. According to the organizers, EthCC[9] and The Agora (with Kaiko) will convene more than 400 speakers and spotlight onchain finance amid evolving frameworks such as MiCA.

qLABS plans to launch its qONE token with a limited presale on Thursday, February 5 at 2 p.m. UTC, positioning it alongside its new Quantum-Sig wallet as early post-quantum infrastructure for existing blockchains. The project targets the "harvest now, decrypt later" risk by adding a quantum-resistant signature layer to networks like Ethereum and Solana, while Coinbase, Ethereum Foundation, and Aptos pursue parallel quantum-security initiatives.

The Democratic Party of Korea plans to table the Virtual Asset Phase 2 Act before the Lunar New Year, focusing on stablecoin oversight and ownership limits for crypto exchanges. The package highlights a ~$3.46 million (5B won) capital floor for issuers as debates continue over a 15%–20% shareholder cap and whether banks or tech firms should issue KRW-pegged tokens.

On January 29, 2026, Ripple CEO Brad Garlinghouse praised the Senate Agriculture Committee’s advancement of a crypto market structure bill that builds on the CLARITY Act. He said regulatory clarity is 100% necessary for future entrepreneurs and argued it could resolve SEC–CFTC overlap while easing lawsuit-driven uncertainty.