In a report released Monday, Bank of America said recent actions by the OCC, FDIC, and Federal Reserve mark a shift in U.S. crypto policy from discussion to implementation, especially around stablecoins and tokenized deposits. The bank expects a multi-year transition that could move more payments and real-world assets on-chain under banking regulation, and argues that institutions will need to experiment with tokenized assets and settlement models to stay competitive.

Nasdaq has submitted a proposal to the U.S. Securities and Exchange Commission to expand trading in stocks and ETPs from 16 to 23 hours per day across five weekdays. The plan details a day session from 4 a.m. to 8 p.m. ET, a one-hour pause, and a night session from 9 p.m. to 4 a.m. The trading week would open Sunday 9 p.m. ET and close Friday 8 p.m. ET.

PayPal has applied to establish PayPal Bank as a Utah-chartered industrial bank, aiming to expand into insured deposits, business lending, and interest-bearing savings accounts. At the same time, the company is deepening its crypto strategy through the PYUSD Savings Vault on Spark, which advertises a 4.25% APY and follows an earlier goal to grow PYUSD deposits from $200 million to $1 billion.

According to reporting, since Donald Trump took office the US SEC has dropped, paused, or dismissed roughly 60% of its cryptocurrency cases and investigations, while traditional securities enforcement has largely continued. High‑profile matters involving Ripple Labs and Binance are among those affected, drawing criticism from opponents who see possible political influence and support from industry voices who argue prior oversight was excessive. The shift coincides with increased Trump‑linked crypto activity, internal leadership changes, and ongoing warnings from departing Democratic commissioner Caroline Crenshaw about potential market contagion.

On the daily timeframe, Solana is consolidating as downside momentum eases while price remains below short‑ and medium‑term averages. Key levels are support at $131.37 and resistance at $132.24 and $135.86, with a higher barrier near $139.02. Liquidity clusters include mid‑$120s bids and mid‑to‑high $130s asks.

Cardano's ADA is consolidating on the daily chart after a decline from the mid-$0.42 region into the low $0.40s, with price still suppressed beneath short- and medium-term moving averages. Bearish momentum is easing as the MACD narrows and the RSI holds in the low-40s, but resistance around $0.4356, $0.4499 and $0.4697 continues to cap upside while support in the $0.38–$0.40 band underpins the downside risk. Order book liquidity clusters near $0.45 on the sell side and in deeper bid zones below spot, shaping both potential recovery attempts and the threat of further weakness.

Barclays, in a year-end report published Friday, projects a subdued 2026 for crypto markets as spot trading volumes decline and retail engagement wanes. The bank expects few immediate catalysts, noting any regulatory progress could take time to influence activity. It also lowered its Coinbase price target to $291 amid near-term earnings pressure.

On Sunday, Kevin Hassett said on CBS News' Face the Nation that the Federal Reserve's process should remain independent, with a chair announcement expected in mid-January. On Friday, Donald Trump told The Wall Street Journal the finalists are Kevin Hassett and Kevin Warsh. Crypto markets stayed muted after last Wednesday's 25 bp cut to 3.5%–3.75%.

Arbitrum is consolidating on the daily timeframe, with price held between resistance at $0.2206–$0.2226 and a support shelf at $0.2002. Momentum gauges show fading downside while ARB trades under short and medium moving averages. A daily close above $0.2226 or a break under $0.2002 would likely determine the next directional move.