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Good Morning Crypto Enthusiasts!

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

1. Payoneer Eyes Digital Bank: Payoneer filed to launch PAYO Digital Bank and introduce PAYO-USD, a stablecoin for cross-border B2B payments.

2. WLFI Proposes 180-Day Staking: World Liberty Financial proposed a 180-day staking lock-up with 2% APR and mandatory governance participation. The plan boosts its USD1 stablecoin adoption, offering exclusive perks to large holders as it competes with USDT and USDC.

3. Kraken Launches Fixed Loans: Kraken introduced Flexline on Kraken Pro, offering fixed-rate crypto-backed loans with APRs between 10%–25%. Collateral is fully reserved, but liquidation risks remain.

4. 💡Feature of the Day - Polymarket Insider Bet Claims: Several wallets allegedly earned $1.2M betting on a Polymarket contract tied to a ZachXBT exposé.

   
   All this and more in today’s headlines!

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📰 News Highlights:

Payoneer’s Digital Bank Push [Source][Source][Source]

Payoneer has filed with the Office of the Comptroller of the Currency to establish PAYO Digital Bank, aiming to secure a federal charter and reduce reliance on traditional banking intermediaries.

Central to its strategy is PAYO-USD, a GENIUS Act–compliant stablecoin designed for cross-border B2B payments. By partnering with Bridge, a stablecoin infrastructure firm acquired by Stripe, Payoneer plans to streamline international trade for its nearly two million SMB customers.

CEO John Caplan views stablecoins as the future of global trade, positioning PAYO-USD as a faster and cheaper alternative to SWIFT transfers. With shifting regulatory sentiment in Washington favoring innovation, a federal charter would give Payoneer the compliance framework and legitimacy needed to expand dollar-based payment corridors and reshape how small businesses manage global liquidity.

WLFI Staking Proposal [Source][Source][Source]

World Liberty Financial (WLFI) has introduced a governance proposal requiring holders to stake tokens for 180 days to earn 2% APR and voting rights. Participants must engage in at least two governance votes during the lock-up period. The initiative aims to reward long-term supporters while strengthening protocol stability and community alignment.

The proposal also heavily promotes its USD1 stablecoin, offering added incentives for DeFi usage through platforms like Dolomite. Large holders — classified as “Nodes” and “Super Nodes” — would gain exclusive 1:1 conversion access and dedicated off-ramps.

As USD1 competes in a $300+ billion stablecoin market dominated by USDT and USDC, WLFI appears to be prioritizing institutional players and whales to accelerate adoption.

Kraken’s Fixed Loans [Source][Source]

Kraken has launched Flexline on Kraken Pro, offering fixed-rate crypto-backed loans with APRs ranging from 10% to 25%. Loan terms span from two days to two years, allowing advanced and institutional traders to unlock liquidity without selling their digital assets. However, the product is unavailable in the US, UK, and several other jurisdictions.

Collateral is held in segregated wallets and included in Kraken’s Proof of Reserves attestations to ensure 1:1 backing. While early repayment is allowed with fees, failure to meet maintenance requirements can trigger liquidation.

The move signals renewed competition between centralized exchanges and DeFi lenders, as crypto-backed lending regains momentum in 2026.

💡 Feature of the Day: 

Polymarket Insider Bets [Source][Source][Source][Source]

A group of crypto wallets reportedly earned over $1.2 million betting on a Polymarket contract tied to an exposé by ZachXBT involving the DeFi platform Axiom.

Onchain analysts found that several top-performing wallets traded exclusively on this single market, raising suspicions of insider knowledge ahead of the investigation’s release.

The controversy adds to mounting scrutiny around prediction markets, especially after previous high-profit political bets drew regulatory attention.

Polymarket has already faced restrictions in multiple countries over gambling concerns, while US lawmakers consider tighter rules. The incident highlights ongoing debates about transparency, fairness, and potential insider advantages in decentralized betting platforms.

😂 Crypto Meme of the Day: 

Meme of the day provided by @Woken redpilled Bitcoin memes for decentralized teens

And that’s it for this today.

See you all tomorrow’s edition!

Jonathan Gibson
UseTheBitcoin.com