The NCA team is on the ground at @RippleSwell in NYC 👋 Today, @OnChainAli chats with former NFL player Steve Wisniewski, @coinbase CISO Michael Sikorski, and the @FBI’s Patrick B. Wyman about how scams work, and how to protect against them. 📍 Institutional Stage
🕓 2:35 PM ET Come say hi if you’re here!

🎙️ NEW: This week on Crypto, Explained, we break down all things custody. From who really holds your keys on an exchange vs. in your own wallet, to what a wallet actually does, the difference between hot and cold wallets, and what happens when you connect your wallet to an app. Understanding custody helps you decide how you want to hold and manage your digital assets, with confidence. Listen now:

DEF and @ipsosus asked Americans how they feel about the current state of the financial system and their thoughts on the future of finance. Our findings:

Your wallet doesn’t actually hold your digital assets. 🤯 Your assets live on a blockchain, a shared public record. Your wallet holds the key that proves what you own and lets you move it. That’s why losing your phone isn’t the real risk. Losing your recovery phrase is. So keeping your recovery phrase safe is one of the most important things you can do to protect access to what you own. New episode of Crypto, Explained drops tomorrow. Available everywhere.

AI is changing online security. 🔐 AI tools are now finding weak spots in the software behind websites and apps, and banks and regulators are working to keep up. The good news: a few simple habits help protect you, whether you hold crypto, bank online, or both. 🔶 Use a different password for every account. 🔶 Turn on two-factor authentication with an app, not a text message. 🔶 Treat any “urgent security update” message as a scam until you’ve checked it yourself. Log in through the company’s official app, or call the number on its website. A real company will never ask for your password, a login code, or your recovery phrase. 🔶 Don’t click links in emails or texts. Go directly to the company’s website or app instead. As technology keeps changing, the basics are still your best protection.

“Not your keys, not your coins.” Here’s what it actually means. 🔑 When you buy digital assets, someone holds the key that can move them. On an exchange, the company holds it and moves your assets when you ask. In your own wallet, you hold it yourself. Neither is wrong. Knowing who holds your keys helps you choose the setup that fits how you want to manage what you own. Full episode on custody drops Wednesday on Crypto, Explained, available wherever you get your podcasts.

Why was Wyoming the first state to issue its own stabletoken? 🪙 It’s been leading the way for a long time. Nicknamed the Equality State, Wyoming was the first to grant women the right to vote and the first to elect a woman as governor. That spirit of innovation continues today, from leading the way on blockchain laws to launching the first-ever state-backed stabletoken. Learn more in the latest episode of Crypto, Explained. Available everywhere you get your podcasts.

Who do you trust most for crypto advice? 🤝 People want answers from institutions they already rely on. Financial advisors and banks topped the list. And despite all the hype posts you may see on your feeds, social media ranked last. More in our Crypto at the Bank report with @HarrisPoll:

Our very own @OnChainAli joins @standwithcrypto, @BlockchainAssn, @crypto_council, and @DigitalChamber to discuss why the 67 million Americans who hold crypto are an important voice in the policy conversation. 🎙️ 🗓️ Today at 3 PM ET Tune in 👇

Not everyone is familiar with crypto yet, and that’s okay. Education is where it starts. 📚 In Wyoming, the @WyoStable Commission brings the community together to teach them what crypto and blockchain are and how the tools are being used in the real world. Tune in to the latest episode of Crypto, Explained to learn more:

We’ll be at @RippleSwell in New York next week, and we’re bringing together a powerful mix of voices to talk about staying safe in crypto. 🤝 NCA’s @OnChainAli moderates “The $3.7M Wake-Up Call” with former NFL player and coach Steve Wisniewski, @coinbase CISO Michael Sikorski, and Patrick B. Wyman, Unit Chief of the @FBI Virtual Assets Unit. The panel will break down how scams work and how we can all help protect against them. 📍 Institutional Stage 🕓 October 28, 2:35–3:00 PM ET

Thank you, @Money2020! 🙌 From Crypto Confessions on the expo floor to discussions on stage with leaders across policy and payments, this week showed how closely traditional finance and crypto are working together, and how much people want to understand it. Grateful to everyone who stopped by, shared their thoughts, and joined the conversation.

What happens when a state issues its own stabletoken? 🏔️ In the latest episode of Crypto, Explained, @OnChainAli sits down with @heystephchan from the @WyoStable Commission to talk about FRNT, the first stabletoken issued by a U.S. state. We cover how it’s backed, how the public can check its reserves every day, and how the interest earned helps fund Wyoming’s public schools. Listen now:

🚨 Today NCA submitted comments to @SECGov on its proposed Regulation Crypto Assets, which would create new ways for crypto projects to raise money. Half of new-offering participants reported losing money in the past 12 months to hacks, abandoned projects, or fraud. Much of this activity happens through unfiled sales and offshore structures. The status quo is not sustainable, and holders are asking for a fix: about 8 in 10 say clear SEC rules would increase their confidence. Read the full letter:

📣 Today NCA submitted comments to @USTreasury on its proposed GENIUS Act rules for payment stablecoins. Stablecoins are becoming part of everyday life for consumers and businesses. Our comments focus on protecting holders as the new rules take effect: giving them time to redeem, sell, or convert their stablecoins if their legal status changes, making sure stolen funds could be returned to victims, and keeping self-custody and peer-to-peer transfers protected. Read the full letter 👇

Would you be more likely to bank somewhere that offers access to crypto? 🏦 About 112 million Americans say they would. Yet about 168 million say no one at their bank, credit union, or advisor’s office has brought it up yet. Consumers are ready for that conversation. Our new Crypto at the Bank report with @HarrisPoll shows what they want to know, and from whom:

📣 NEW Crypto Data: Our 2026 Crypto Readiness Report with @HarrisPoll is live. 6 in 10 Americans who don't own crypto, about 114 million people, say they're open to it. So what’s been holding them back? Read the full report:

Washington still sees crypto as a political story. We see it as a human one. We asked Senate offices to meet with a U.S. crypto holder before last week’s Clarity vote. Not a lobbyist. A real person who uses crypto and can explain how the tool impacts their life. Not one office took us up on the invitation. The invitation is still open to meet with an everyday American using crypto to make their lives better. 🔸 A rancher in Wyoming using blockchain to transparently track his cattle from birth to grocery store shelf. 🔸 A master plumber in Texas who added crypto to his small business balance sheet and used it as collateral to reinvest in his employees. 🔸 A photographer in Virginia who found a new way to diversify her savings as AI disrupted her job. These are how real Americans are using crypto right now. Learn more:

The Clarity Act procedural vote is tomorrow at 2:15 PM ET. Here is what is actually being decided. The Senate is not voting on whether the bill passes. They are voting on whether they can even debate it. That requires 60 votes. If it clears, the real work begins. If not, progress stalls. Watch this before tomorrow. 👇

67 million crypto holders in America. 💥 Over the past week, we’ve shared just a few of their stories, from plumbers and educators to photographers and supply chain managers, from all across the country. As Congress considers the Clarity Act, lawmakers should hear their stories and learn the real impact of this tool on their lives. Learn more: