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The DOJ ends regulation by prosecution, inflation is down, and Kraken breaks into the equities game
Matthew Ruley
April 16, 2025
One thing almost everyone from the Dypto Crypto Team agrees on is that there is no such thing as a perfect investment. Crypto. Stocks. Real estate. You have to roll with the punches and take the good with the bad.
Gif by showtimesports on Giphy
It’s part of being an investor and the primary reason words like “diversification” get thrown around so often.
Despite a lot of red in every market lately, there’s plenty of good happening around the industry right now. Let’s get after it.
From the Dypto Crypto Newsroom
North Carolina’s H.B. 920 Could Change Transactions Forever
TLDR
North Carolina has five crypto-related bills going through the legislative process.
H.B. 920 could officially legalize digital asset transactions, including paying state taxes.
Republican Representative Neal Jackson introduced the bill.
North Carolina is making headlines with its latest move toward crypto adoption. A newly proposed bill, H.B. 920, also known as the Digital Asset Freedom Act, aims to officially legalize the use of digital assets for economic transactions, including tax payments.
How legislation impacts crypto users.
If you’re exploring crypto for personal or professional use, this bill could be a game-changer. Here’s what to keep in mind:
Legitimacy and Flexibility – Should H.B. 920 pass, don’t underestimate its potential impact. Paying your taxes with crypto? That could soon become a reality, which is not something we thought we’d see any time soon.
Focus on Stability – With strict guidelines around eligible digital assets, North Carolina wants to minimize the risks associated with extreme volatility.
A Gateway to Mass Adoption – We had to say it. Recognition of crypto as a legal medium of exchange is a huge step forward. It opens the door for more widespread adoption at both state and federal levels, creating opportunities for users and businesses to engage with crypto.
While H.B. 920 demonstrates North Carolina’s ambitious push toward crypto acceptance, it’s still just a proposal. Lawmakers will need to debate, revise, and eventually vote on the bill before it becomes law.
If passed, they could set North Carolina apart as a trailblazer in blockchain legislation, creating an ecosystem where digital assets are seamlessly integrated into economic transactions.
Will Kraken Become the Next Robinhood? They’re Trying to…
TLDR
Kraken is now offering equities trading in select states.
The UI is designed to allow users to trade crypto, stocks, and ETFs seamlessly.
The company has other large moves in the works to expand offerings further.
San Francisco-based crypto exchange Kraken has taken a bold step into the traditional financial realm by introducing U.S. equities trading to its platform. The new release allows its US users to trade stocks and exchange-traded funds (ETFs) alongside their crypto holdings. This is another play that’s blurring the lines of traditional finance and crypto.
Why this news matters.
Kraken’s equity trading launch signifies an evolution in how financial services are converging. Platforms are no longer just stock-focused or crypto-centric. They’re becoming holistic ecosystems.
Crypto enthusiasts, in particular, stand to benefit significantly. Many already hold assets in Bitcoin, Ethereum, or stablecoins and are familiar with the digital-first nature of decentralized finance. Kraken’s platform gives them the option to diversify their portfolios without jumping between platforms.
For TradFi investors, convenience is arguably the most compelling factor. With a unified account, developing and executing strategies that cut across asset classes is easier. For example, profits from bullish crypto cycles can be rotated immediately into stable stocks or ETFs, without transferring funds to an external brokerage.
Inflation Eased to 2.4% in March 2025
TLDR
Inflation dropped by .1% for March, lower than expected.
The 12-month rate is down to 2.4%
However, the tariff uncertainty is still looming overhead, with major industries and investors reacting mostly negatively.
Inflation gave everyone a bit of a breather in March 2025, ticking down further than financial experts anticipated. According to new data from the Bureau of Labor Statistics (BLS), the Consumer Price Index (CPI) — that go-to barometer for tracking the cost of groceries, gas, and everything in between — fell 0.1% for the month.
That brings inflation to a 12-month rate of 2.4%, down from February’s 2.8%. While cooling inflation is good news, it comes as tensions heat up elsewhere.
What inflation data means for crypto users.
The markets were honestly a bit “meh” after the CPI report last week. We were looking at a solid rally that eventually turned into a nothing burger.
Use data to inform your next steps, whether that means rebalancing a portfolio, planning major purchases, or simply revisiting your monthly budget.
Question of the Week
From a social media user - Please explain the difference between APY and APR in simple terms.
Meme of the Week
Deep Dive - DOJ Ends Regulation by Prosecution
The U.S. Department of Justice (DOJ) issued a memo last week that could bring a major shift in how crypto is treated legally. To put it simply? The days of trying to regulate crypto through courtroom drama may be over.
The recent policy changes around crypto are a big deal for the industry. It gives companies more freedom to innovate without constantly worrying about getting slapped with lawsuits.
This means they can focus on creating better products, tools, and platforms that benefit everyone. It’s a win for progress and creativity.
On top of that, clearer regulations mean the DOJ can back off from unofficially acting as crypto's rule enforcer.
Instead, the industry will have more transparent and official guidelines to follow, which makes the whole system more predictable and trustworthy. The hope is that this will create a better, more stable ecosystem for everyone involved.
Question of the Week Answer
Alright, so here's the deal with APR and APY — two fancy finance acronyms that sound similar but can mean big differences for your money.
APR (Annual Percentage Rate) is like the sticker price of borrowing or earning — it tells you how much interest you’ll earn over a year without considering any compounding.
It’s straightforward. It’s basic. And it’s not always the best figure to use.
APY (Annual Percentage Yield), on the other hand, is the show-off sibling — it factors in compounding interest.
Compounding means you’re earning interest not just on your initial amount but also on the already added interest. APY gives you the full picture of how much you could earn or pay when interest starts stacking like Tetris blocks.
However, it’s important to note that these figures fluctuate in both TradFi and crypto. The biggest difference is that APY will change at your bank every couple of months, whereas the rate can change in crypto every few seconds.
Closing Shenanigans
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