The Independent Community Bankers of America (ICBA) criticized the OCC’s conditional approval of Coinbase National Trust Company, warning it could increase risk for U.S. consumers. The OCC approval was granted on April 2 after Coinbase filed on Oct. 3, 2025, for a non-insured national trust bank in New York focused on institutional custody and digital-asset fiduciary services.

The U.S. Federal Deposit Insurance Corporation (FDIC) will vote on proposed stablecoin rules on 07 April 2026, covering capital requirements, redemption rights, and prudential standards. The agenda focuses on state-level issuers of stablecoins with less than $10 billion in supply, alongside coordination with other regulators ahead of the GENIUS Act's 18 July 2026 implementation deadline.

Charles Schwab has launched a waitlist for "Schwab Crypto," a new account designed to let clients buy and sell bitcoin and ether directly, with a first-half 2026 target for launch. CEO Rick Wurster has said the rollout is expected to begin with a limited release in Q2 before expanding, while the product will not be available in New York and Louisiana at the start. Fees and custody details have not been disclosed, and the bank says crypto transfers in or out will not be supported at launch.

Bitcoin’s mining difficulty increased by 3.87% at block height 943488, reversing a 7.76% decline from the prior epoch. The network hashrate has dropped to 961.55 EH/s—down 60.45 EH/s from a March 28 peak of 1,022 EH/s—while estimates suggest the next adjustment around April 19, 2026 could reduce difficulty by about 14.27%. Miner economics remain pressured with a $30.67 PH/s hashprice and fees at 0.56% of the block reward.

Ethereum is trading around the $2,000 psychological level after failing to reclaim $2,151, leaving the next move uncertain in the middle of a wider multi-year range. The weekly structure cited by analyst Minga maps key downside liquidity levels at $1,537 and $1,384, with a potential macro-bottom region outlined between $1,190 and $1,148.

Human.tech has announced an AI-agent wallet infrastructure called Agentic Wallet as a Protocol (WaaP) that converts wallet actions into natural-language interactions while keeping users as the final authority. The system uses cryptographic controls such as spending limits, time windows, approved addresses and step-up human approvals for higher-risk actions. The company says its Human Passport ecosystem has more than 3 million users, has secured over $500 million against Sybil attacks, and is backed by $3 billion in restaked ether.

Market data shows XRP remains under heavy pressure, with 36.8 billion XRP—about $50 billion—currently held at an unrealized loss. The setup has fueled debate over whether the move reflects capitulation or risks another decline, while traders watch $1.14 as support and $1.68 as a level that could shift the near-term tone.

Chainlink (LINK) has remained under $9 after slipping below $10 in early February, with the token still nearly 70% below its $25 cycle high. On April 3, on-chain analyst Darkfost said 14.7 million LINK—worth about $126 million—was transferred to Binance in a single day, a flow they cautioned could add sell-side pressure. LINK was around $8.7 at the time of writing, up 0.5% over 24 hours and about 1.5% over the past week.