We know what’s happening in the crypto world. It’s our job. We keep our ears to the ground. But the price action isn’t keeping up with all the significant developments in the industry. Why?
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We do not know. But the weird price action isn’t changing our conviction. And after you read some of our latest articles, you might feel the same. Let’s get after it.
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From the Dypto Crypto Newsroom
Blockchain Battle: Ethereum vs. BNB Chain in 2026
TLDR
ETH is already planning its next major upgrade, called Glamsterdam.
BNB is hard at work, constantly striving to make its chain faster.
Users will win. Everything ETH and BNB are doing will benefit the people. Cheaper, faster, more secure, and accessible, and eventually better than anything TradFi has to offer.
If you’ve been watching the crypto space lately, you might feel like you need a translator just to understand the headlines. We’ve got blobs, sharding, and upgrades named after cities that sound like indie bands. It’s a lot.
So let’s shave down the glitz and glam (old man humor for the win). The new year is shaping up to be a heavyweight title fight between two of the biggest names in the game — Ethereum and BNB Chain. They aren’t throwing hands. They’re throwing code. Both blockchains are racing to become faster, cheaper, and safer for users.
Big blockchain battle - The war of philosophies
Ethereum is taking the slow-and-steady route (relatively speaking). They are focused on decentralization, censorship resistance, and creating a robust layer for other networks to build on. It’s complex, it involves a lot of community voting and proposals, but it’s building a system designed to last for decades without a central authority.
BNB Chain is taking the performance-first route. CZ and Co. are already the biggest CeFi exchange in the world. They also want to be the fastest, cheapest trading chain in existence. They are optimizing their code to handle millions of users right now. If you want a smooth, app-like experience where you don’t notice the technology, this is what they are building.
The blockchain battles aren’t about one destroying the other. It’s about competition pushing the technology forward, improving the user experience, and making crypto more accessible. The winner is anyone using these platforms.
Fidelity Launches New FIDD Stablecoin
TLDR
Fidelity has become the second institution to launch its own stablecoin, called FIDD.
While the use case is the same as for any other stable, it’s designed for use on Fidelity’s trading platforms.
The wall between TradFi and the crypto world is now a little thinner. Fidelity Investments — one of the largest asset managers in the world — officially launched its own stablecoin. Called the Fidelity Digital Dollar (FIDD), the new digital asset marks a major shift in how institutional giants approach the blockchain ecosystem.
Why do we need another stablecoin?
Good question. And honestly, we don’t. But this isn’t about whether it's needed as much as it’s about who built it and for whom. A large company like Fidelity, serving many institutional clients, launching a stablecoin on a major platform is a big deal. Fidelity is not looking to make their stable the next USDC or USDT.
That would be a bad idea. There is no real way to compete with those giants at this point.
It wouldn’t fit their target demographic’s goals and reasons for using it.
What do we mean by that? Let’s break it down a bit more.
Technically, you can use this stable the same way you can use any other. However, FIDD is designed for trading, holding value during market volatility, or transferring funds between crypto platforms. Essentially, it exists for Fidelity customers doing business within that company’s platform — trading crypto, taking profits, etc…
While it may exist in DeFi, it’s unlikely you’ll see it being used in liquidity pools or as a staple on decentralized exchanges.
Question of the Week
An X DM: “The founder of Ethereum was on X talking about how USDC is not really a DeFi stablecoin, and a better DeFi stablecoin would be something that is backed by ETH or RWAs and is overcollateralized. What does that mean?”
Meme of the Week
By the Numbers - The Dypto Crypto Portfolio
Here’s a screenshot of our portfolio, which we started in late December 2024.
Original portfolio valuation - 3 ETH ($9,670)
2025 portfolio valuation - $8,049 YTD - (-)15%
2026 start - $8,813
Current valuation - $5,999 YTD - YTD - (-) 32%
The market crashed over the weekend. It’s not what we wanted to see, but it is already showing signs of recovery. Will we see a complete recovery over the next few days? Probably not. However, it appears the bulls are starting to take over. So far, we know that Bitmine and Strategy bought the dip, which is a good sign. The only thing we can really do now is wait, see, and print fees.
Deep Dive - Tether Launches Bitcoin Mining on Easy Mode
Tether has released a major upgrade for the Bitcoin mining world, and it looks like things are about to get much easier for the smaller players. It’s called MOS.
What is it? It’s an open-source operating system designed to enable miners to manage, monitor, and automate their operations without a PhD in computer engineering. If you’ve ever looked at a Bitcoin mining rig and thought, “Wow, that looks like a headache to run,” you’re not wrong.
Until now, managing hardware, power, and data has meant juggling a dozen different software stacks that don’t integrate. Tether is trying to fix that fragmentation with MOS, bringing everything under one roof. For all of you would-be miners out there, this is some pretty exciting stuff.
Think of MOS as the ultimate dashboard for your mining setup. It provides end-to-end visibility across your entire operation. We’re talking hardware health, energy consumption, infrastructure status, and operational data — all fed into a single, unified system.
The best part? It’s modular and scalable. Tether claims MOS works just as well for a guy running a few rigs in his garage as it does for massive industrial sites with hundreds of thousands of devices. It utilizes a peer-to-peer architecture, meaning it doesn’t rely on centralized servers to keep the lights on.
Alongside the OS, Tether also announced the Mining SDK. It’s the framework on which MOS is built, and it’s essentially a Lego set for developers who want to build custom mining tools.
The Mining SDK is a modular toolkit that lets developers create new mining software without reinventing the wheel. It comes with ready-to-use workers, simple APIs, and a UI development kit. If you want to build a custom dashboard or an internal tool for your specific setup, you can do it quickly without starting from scratch.
Question of the Week Answer
We love Vitalik. We do. But man, sometimes the guy is an idealist, and that’s about it. But, to answer the question, here’s what he means:
DeFi is a crypto movement that aims to build financial systems (such as lending, borrowing, and trading) without relying on centralized companies or banks. Instead, it uses blockchain tech and smart contracts to operate in a decentralized way.
Since USDC is controlled by a publicly traded company, it doesn’t fully align with the decentralized ethos of DeFi. For example, Circle could freeze or block certain USDC tokens if required by regulators. This level of control reduces decentralization.
Vitalik is suggesting that a better stablecoin for DeFi would:
Be backed by ETH or RWAs:
ETH: Ethereum, the cryptocurrency that powers the Ethereum blockchain.
RWAs: Real-World Assets, like real estate, bonds, gold, or other tangible assets.
The stablecoin would be backed by valuable assets, not just by dollars held in a bank.
Be overcollateralized:
The stablecoin would have more assets backing it than the value of the stablecoin issued. For example, if you want to create $100 worth of stablecoins, you might need to lock up $150 worth of ETH as collateral. This extra cushion helps protect the system if the value of ETH drops.
An overcollateralized stablecoin backed by decentralized assets like ETH would:
Be more resistant to censorship or control by any single entity.
Align better with the principles of DeFi, where no one party has too much power.
Provide more security because of the extra collateral.
An example of this concept is DAI, which is backed by cryptocurrencies like ETH and is overcollateralized. It operates in a decentralized way, with no single company controlling it. Kind of. It’s a bit more centralized than the protocol admits, given that it holds substantial USDC in its reserves.
