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Good Morning Crypto Enthusiasts!

Glad to have you back for another edition of the UseTheBitcoin.com newsletter.

1. Bybit Launches MyBank: Bybit introduced “MyBank powered by Bybit,” offering users personal IBANs for fiat deposits and salary payments. The service starts with USD support and plans to expand to 18 currencies, aiming to bridge fiat and crypto seamlessly.

2. Gemini Debuts Zcash Card: Gemini launched a Zcash-branded credit card that rewards users with ZEC on everyday spending. Rewards are paid instantly, with no annual or foreign transaction fees.

3. Coinbase Expands Prediction Markets: Coinbase rolled out prediction markets across all 50 U.S. states via its main app. Powered by Kalshi, users can trade real-world outcomes like elections and Fed decisions using USD or USDC.

4. 💡Feature of the Day - XRP Whales Accumulate Quietly: Large XRP holders are increasing positions despite weak market sentiment. Analysts see potential upside, though regulatory clarity remains the main risk.

   
   All this and more in today’s headlines!

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📰 News Highlights:

Bybit Launches MyBank [Source][Source]

Bybit is stepping beyond crypto trading with the launch of “My Bank powered by Bybit,” a retail banking product that gives users personal IBANs for direct fiat deposits and salary payments. Initially supporting U.S. dollar transfers, the service aims to expand to 18 currencies once regulatory approvals are secured.

Bybit CEO Ben Zhou positioned the move as a shift toward becoming a full-fledged neo-bank, putting the exchange in direct competition with fintech giants like Revolut and Robinhood. The goal is simple: remove friction between fiat and crypto by keeping everything under one roof.

To make this possible, Bybit partnered with regulated institutions including Qatar National Bank, DMZ Finance, and Pave Bank. Users can access the service with Level 1 KYC, ensuring compliance with AML standards.

The platform allows real-world payments like bills, salaries, and large purchases without relying on third-party on-ramps. Coming after a major security incident last year, the launch signals Bybit’s bet that users are ready for a unified crypto-fiat banking experience.

Gemini Zcash Card [Source][Source]

Gemini has launched a Zcash-edition credit card, letting users earn ZEC rewards on everyday purchases like dining, groceries, and transit. The card emphasizes privacy and self-sovereignty, aligning with Gemini’s long-standing support for Zcash and its privacy-first ethos.

Rewards are deposited instantly into users’ Gemini accounts, allowing them to accumulate ZEC at real-time market prices. Notably, Gemini reports that cardholders who held ZEC rewards for a year saw gains of over 900%.

Issued by WebBank and running on Mastercard, the card offers 4% back on gas and EV charging, 3% on dining, and 2% on groceries, with no annual or foreign transaction fees.

The launch follows Gemini’s IPO and the dismissal of its SEC lawsuit, signaling renewed momentum for product expansion. With strong backing from the Winklevoss twins, the Zcash card positions Gemini as a go-to platform for users who value both crypto rewards and financial privacy.

Coinbase Prediction Markets [Source][Source]

Coinbase has rolled out prediction markets nationwide, making them available in all 50 U.S. states through its main app. Powered by CFTC-regulated platform Kalshi, the feature allows users to trade on real-world outcomes such as sports events, elections, and Federal Reserve decisions using USD or USDC. The launch marks another step in Coinbase’s evolution toward becoming an “everything exchange,” expanding beyond spot crypto trading into event-based markets.

Prediction contracts are priced based on perceived probabilities, turning collective sentiment into tradeable assets. While some state regulators are pushing back, questioning whether these markets resemble gambling, Coinbase sees regulation as a competitive edge.

By offering compliance, identity checks, and oversight, the exchange aims to clean up the prediction market space and provide a safer alternative to offshore or decentralized platforms.

💡 Feature of the Day: 

XRP Whale Accumulation [Source][Source]

Large XRP holders are quietly stacking tokens as market sentiment remains in fear mode. Since the start of 2026, 42 new wallets have crossed the 1-million-XRP threshold, signaling renewed “smart money” interest.

On-chain data from Santiment shows this accumulation is happening even as XRP’s price remains slightly down year-to-date, a classic divergence that contrarian investors often view as bullish.

Some analysts believe XRP is nearing a breakout, with price targets around $2.30 if buying pressure continues. Others remain cautious, warning that regulatory uncertainty in the U.S. could derail momentum.

With Bitcoin still dominating market attention and altcoin sentiment lagging, XRP’s next move may depend less on whale behavior—and more on legal clarity and broader market confidence.

😂 Crypto Meme of the Day: 

Meme of the day provided by @web3.career

And that’s it for this today.

See you all tomorrow’s edition!

Jonathan Gibson
UseTheBitcoin.com