Polygon Labs completed its acquisition of Coinme in October 2026, acquiring 37 state money-transmitter licenses and 11 exemptions across 48 US states.

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The November 2, 2026 SEC update on governance tokens represents nonbinding staff guidance rather than formal law or regulation, leaving open the possibility that future regulators interpret governance token control differently

The SEC staff guidance issued on November 2, 2026, explained how governance cryptocurrencies align with the SEC's March 2026 cryptocurrency framework

SEC staff guidance indicates that a crypto project may maintain central control if a company or small group holds unilateral power to alter network rules, restrict access, or override decisions

Operating without central control can qualify a cryptocurrency as a digital commodity rather than a security, subjecting it to different regulatory requirements

The French Senate's crypto tax data sharing bill is based on the OECD's Crypto-Asset Reporting Framework (CARF).

The OECD's Crypto-Asset Reporting Framework sets common international standards for participating jurisdictions to collect and automatically exchange information on cryptocurrency transactions.

The Coinme deal provided Polygon with a Money Services Business registration with the Financial Crimes Enforcement Network (FinCEN).

The French Senate passed a bill on October 27, 2026, enabling tax authorities to automatically exchange cryptocurrency transaction data with international counterparts.

Predicate CEO Nikhil Raghuveera stated that Predicate helps digital asset issuers enforce compliance rules when assets trade outside internal systems.

Predicate embeds compliance screening rules directly into digital assets.

The Central Bank of Brazil introduced new regulatory requirements covering capital capacity, governance, auditing, customer asset safeguards, technology, and anti-money laundering controls.

Strict capital and compliance rules mandated by the Central Bank of Brazil are forcing many smaller crypto firms to exit the Brazilian market.

The Central Bank of Brazil set an October 30, 2026 deadline for existing virtual asset service providers to submit authorization applications to keep operating while under review.

Coinbase secured an e-money license in Ireland in 2019 and later obtained a MiCA license in Luxembourg in June 2025 to serve customers across the European Union.

SoFi Technologies described SoFi Earn (SOFIE) as the first consumer tokenized deposit issued by a nationally chartered U.S. bank.

SoFi Technologies launched SoFi Earn (SOFIE) on October 22, 2026, offering retail consumers a tokenized bank deposit with a 4.40% APY and FDIC deposit insurance.

SoFi Technologies resumed consumer cryptocurrency trading in November 2025 as the first nationally chartered U.S. bank to offer retail crypto trading.

The U.S. GENIUS Act prohibits payment stablecoin issuers from paying interest or yield directly to holders, leading banks to separate yield-bearing deposits from non-yielding stablecoins.

Each SOFIE token represents $1 held on deposit at SoFi Bank, N.A. and is eligible for standard FDIC insurance coverage up to $250,000 per depositor.

SoFi Technologies launched the bank-issued SoFiUSD stablecoin in December 2025 and brought it to consumer banking app users in May 2026.