Crypto Regulation Hits Roadblock: Delays Key Bills in 2026

The crypto market saw some ups and downs on January 22, 2026. Bitcoin dropped 0.38% to trade at $89,943.8, while Ethereum gained 0.46% at $3,016.38. But the big story is not just prices. Lawmakers in the US are now focusing on housing issues, which could push back crypto bills even more.

Why Housing is Stealing the Spotlight from Crypto

Housing costs are the biggest monthly bill for most Americans. They also fuel inflation. President Trump wants affordable homes, so Congress is prioritizing bills to make that happen. Crypto is important to Trump and his team, but housing wins for now.

Sources say committees might wait until late February or early March to review major digital asset laws. This comes after a delay last week. Coinbase pulled support from a Senate bill, calling it full of problems. CEO Brian Armstrong listed issues like bans on tokenized stocks, blocks on decentralized finance (DeFi), and rules that could kill stablecoin rewards.

This pause gives time for talks. Banks, exchanges, and crypto firms can work toward a bill everyone likes. The Senate Agriculture Committee plans to release new bill text soon. It covers tough topics like meme coins as ‘digital commodities,’ listing rules, token types, and oversight funding. A deal here could help the Banking Committee move forward.

Trump said at Davos he hopes to sign the Crypto Market Structure Bill soon. But delays raise fears of stricter rules later if a less crypto-friendly group takes power.

BitGo Makes History with Blockbuster IPO

Good news for crypto firms: BitGo priced its US IPO at $18 per share. That’s above the $15-$17 range. It raised $213 million by selling 11.8 million shares. The company now values over $2 billion. Goldman Sachs and Citi led the deal. BitGo lists on NYSE as BTGO this Thursday – the first crypto IPO of 2026.

This shows big banks are warming to crypto custody. It boosts trust as rules get clearer.

Tokenization Push Gains Steam

Real-world assets on blockchain are hot. F/m Investments asked the SEC for permission to put part of its $6.3 billion Treasury ETF (TBIL) on chain. This tests tokenized shares without changing trading or fees. Approval could open doors for more traditional finance on blockchain.

Ondo Finance took tokenized US stocks and ETFs – over 200 of them – to Solana. This grows its Ondo Global Markets beyond Ethereum and BNB Chain. Tokenization makes assets easier to trade 24/7 with better liquidity.

New Tools and Launches in DeFi

• Uniswap’s CCA on Base: Uniswap Labs rolled out Continuous Clearing Auction (CCA) on Base chain. Developers can run on-chain token auctions for free. It finds true prices and adds liquidity fast. A guide helps teams integrate it with Uniswap v4.
• Binance Wallet SENT Tokens: Sentient (SENT) tokens started trading at 18:00 UTC+8 on January 22. Claimed Prime Sale Keys let users trade on Binance Alpha right away.
• Coinbase Adds SKR: Spot trading for Seeker (SKR) goes live on Coinbase if liquidity is good.

Whales Load Up on Ethereum

Big buyers are active. Bitmine Immersion Technologies, linked to Tom Lee, grabbed 34,954 ETH ($105.5 million) from Kraken and BitGo in two hours.

Whale 0xfb7 bought 10,000 more ETH ($28.9 million) and sent funds to FalconX. It now holds 60,098 ETH worth $179 million.

One expert from ‘1011 Insider Whale’ says ETH’s recent dip isn’t from the Greenland news. It’s more about tech sector shifts, bond sells, and reassurances from Trump and finance leaders.

Big Names Speak Out

CZ (Binance founder) hits Davos WEF panel at 08:30 CET and CNBC at 15:00 on January 22.

David Sacks, White House crypto/AI advisor, predicts banks and crypto will merge into a ‘digital asset industry.’ Clear laws will let banks issue stablecoins for yields and join the action.

Category Labs (ex-MonadLabs) may buy back up to $30 million in MON tokens in early 2026, based on market chances.

Funding and Future Tech Crossovers

Cork, a tokenized risk startup, raised $5.5 million led by a16z and others. It builds tools to make real-world asset risks clear and tradable on chain. Expect first markets soon.

Architect, from ex-FTX US head Brett Harrison, plans crypto-style perpetual futures for AI compute like GPU rentals. It hedges risks for AI firms using USD or stablecoins.

(Note: OpenAI’s huge fundraise hunt ties into AI-crypto links, but it’s early days.)

What This Means for Crypto Investors

Delays frustrate, but they could lead to stronger laws. IPOs like BitGo and tokenization tests show institutions piling in. Whales buying ETH signal bull vibes. Tools like Uniswap CCA make DeFi better.

Watch the Senate bill text and Coinbase talks. Trump’s push helps, but housing focus slows things. Stay tuned – 2026 could be the year crypto goes mainstream.

Prices and events as of January 22, 2026. Markets change fast.

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