https://payney.com/ Personal finance, investing and fintech news, guides and calculators. en-us Thu, 24 Sep 2026 14:15:20 +0000 https://payney.com/favicon-192.png https://payney.com/ 144 144 https://payney.com/blog/ibm-links-swift-ledger-to-tokenized-deposits-17-banks-in-bet/ IBM's Sept. 24, 2026 beta lets banks message tokenized deposit transfers via Swift's ledger 24/7, but final settlement still runs on existing systems. Thu, 24 Sep 2026 14:15:20 +0000 https://payney.com/blog/ibm-links-swift-ledger-to-tokenized-deposits-17-banks-in-bet/ fintech https://payney.com/blog/snb-holds-rate-at-0-as-franc-stays-strong-inflation-low/ Swiss National Bank kept its policy rate at 0% on Sept 24, 2026, its third straight hold this year, citing low inflation and a strong franc. Thu, 24 Sep 2026 14:15:18 +0000 https://payney.com/blog/snb-holds-rate-at-0-as-franc-stays-strong-inflation-low/ economy https://payney.com/blog/uyeda-sec-dropped-a-dozen-crypto-cases-over-credibility/ Ex-acting SEC Chair Mark Uyeda says the agency dropped at least a dozen crypto cases in 2025 to protect its credibility, not on the legal merits of the claims. Thu, 24 Sep 2026 14:15:04 +0000 https://payney.com/blog/uyeda-sec-dropped-a-dozen-crypto-cases-over-credibility/ regulation https://payney.com/blog/eba-urges-eu-to-bring-crypto-lending-under-mica-rules/ EBA's Sept. 24, 2026 filing urges MiCA to cover crypto lending and DeFi access in 16+ EU states; no rule changes yet. Thu, 24 Sep 2026 13:45:27 +0000 https://payney.com/blog/eba-urges-eu-to-bring-crypto-lending-under-mica-rules/ regulation https://payney.com/blog/france-bond-yields-hit-45-highest-since-2008-over-budget/ France's 10-year bond yield topped 4.5% for the first time since 2008 as PM Lecornu pushes €54 billion in cuts to hold the 2027 deficit near 5% of GDP. Thu, 24 Sep 2026 13:45:25 +0000 https://payney.com/blog/france-bond-yields-hit-45-highest-since-2008-over-budget/ economy https://payney.com/blog/box-spreads-hit-record-146b-as-bond-rout-deepens-in-2026/ Outstanding SPX box-spread trades hit a record $146 billion as investors seek Treasury-bill-like returns with better tax treatment amid the bond rout. Thu, 24 Sep 2026 13:45:20 +0000 https://payney.com/blog/box-spreads-hit-record-146b-as-bond-rout-deepens-in-2026/ markets https://payney.com/blog/eu-warns-quantum-computers-threaten-crypto-security/ EU regulators flagged quantum computing as a blockchain risk on Sept. 23, 2026, months after Ethereum's post-quantum hub drew in over 10 client teams. Wed, 23 Sep 2026 14:16:49 +0000 https://payney.com/blog/eu-warns-quantum-computers-threaten-crypto-security/ regulation https://payney.com/blog/ecb-27-eu-central-banks-seek-wider-stablecoin-yield-ban/ The ECB and all 27 EU national central banks filed a 57-page response on Sept. 22, 2026, urging Brussels to ban stablecoin yield from lending and staking too. Wed, 23 Sep 2026 14:16:46 +0000 https://payney.com/blog/ecb-27-eu-central-banks-seek-wider-stablecoin-yield-ban/ regulation https://payney.com/blog/bitmex-ends-trading-after-11-years-withdrawals-still-open/ BitMEX halted all trading and deposits at 04:00 UTC on Sept 23, 2026, ending 11 years. Withdrawals stay open, but fees hit unclaimed balances Sept 28. Wed, 23 Sep 2026 09:38:51 +0000 https://payney.com/blog/bitmex-ends-trading-after-11-years-withdrawals-still-open/ crypto https://payney.com/blog/bitcoin-etfs-draw-999m-largest-inflow-since-oct-2025/ US spot Bitcoin ETFs pulled in $999 million on Sept. 21, 2026, their largest single-day inflow since Oct. 6, 2025, as bitcoin's price hit $87,374 intraday. Tue, 22 Sep 2026 10:18:11 +0000 https://payney.com/blog/bitcoin-etfs-draw-999m-largest-inflow-since-oct-2025/ crypto https://payney.com/blog/binance-faces-doj-probe-over-iran-trades-61m-seizure-bid/ US prosecutors probe whether Binance knowingly allowed Iran-linked trades; a separate SDNY filing seeks $61M tied to Iranian oil. Tue, 22 Sep 2026 10:17:35 +0000 https://payney.com/blog/binance-faces-doj-probe-over-iran-trades-61m-seizure-bid/ regulation https://payney.com/blog/bitcoin-hits-85193-as-648m-in-crypto-shorts-liquidated/ Bitcoin surged to $85,193 on Sept. 21, 2026, as $647.9 million in crypto short positions got liquidated, while futures open interest jumped to $156 billion. Mon, 21 Sep 2026 15:56:44 +0000 https://payney.com/blog/bitcoin-hits-85193-as-648m-in-crypto-shorts-liquidated/ crypto https://payney.com/blog/ecb-launches-pontes-13-banks-settle-tokenized-assets/ The ECB's Pontes system went live Sept. 21, 2026 with 13 institutions onboard, settling tokenized-asset trades in central bank money, not stablecoins. Mon, 21 Sep 2026 15:56:15 +0000 https://payney.com/blog/ecb-launches-pontes-13-banks-settle-tokenized-assets/ banking https://payney.com/blog/hana-banks-100m-euroclear-digital-bond-settles-same-day/ Hana Bank issued a $100M five-year digital bond via Euroclear's D-FMI blockchain, settling the same day instead of the usual three to five business days. Mon, 21 Sep 2026 11:04:46 +0000 https://payney.com/blog/hana-banks-100m-euroclear-digital-bond-settles-same-day/ banking https://payney.com/blog/how-oil-price-change/ Oil prices move as futures traders reprice supply and demand. Brent settled at $103.87 on Sept 18, 2026: what moves it, and how to read an oil price chart. Sun, 20 Sep 2026 16:28:34 +0000 https://payney.com/blog/how-oil-price-change/ markets https://payney.com/blog/kalshi-files-for-us-stock-perps-with-1550-margin-floor/ Kalshi filed Sept. 18 with the SEC and CFTC for perpetual futures on large-cap US stocks and ETFs, with a 15.50% margin floor and a Nov. 2 target date. Sun, 20 Sep 2026 12:36:40 +0000 https://payney.com/blog/kalshi-files-for-us-stock-perps-with-1550-margin-floor/ fintech https://payney.com/blog/why-tariffs/ Why tariffs exist: revenue, protection, leverage and security. See US effective rates as of July 2026, who pays, a worked duty calculation and common mistakes. Sat, 19 Sep 2026 18:06:01 +0000 https://payney.com/blog/why-tariffs/ economy https://payney.com/blog/pershing-square-ipo-5b-raised-by-psus-not-the-manager/ Ackman's April 29, 2026 combined IPO raised $5 billion for closed-end fund PSUS at $50 per share; manager PS Inc. shares went to those buyers free, 1 per 5. Sat, 19 Sep 2026 13:12:56 +0000 https://payney.com/blog/pershing-square-ipo-5b-raised-by-psus-not-the-manager/ investing https://payney.com/blog/bastion-gets-conditional-occ-trust-charter-nod-no-deposits/ Bastion won preliminary conditional OCC approval on Sept. 18, 2026 for a national trust bank charter: no deposits, no FDIC, 23 of 40 charter bids crypto. Sat, 19 Sep 2026 13:12:38 +0000 https://payney.com/blog/bastion-gets-conditional-occ-trust-charter-nod-no-deposits/ banking https://payney.com/blog/bitcoin-tops-80846-as-469m-of-crypto-shorts-liquidate/ Bitcoin rose 5.88% to $80,846 on Sept 18, 2026, and CoinGlass logged $547M in 24-hour crypto liquidations, $469M of them shorts. Here is what the data shows. Sat, 19 Sep 2026 11:28:23 +0000 https://payney.com/blog/bitcoin-tops-80846-as-469m-of-crypto-shorts-liquidate/ crypto https://payney.com/blog/how-to-stock-market-today/ Stock market today: S&P 500 closed 7,637.76 Sept 17, 2026 and slipped Friday as the 10-year hit 5%. Hours, order types, T+1 settlement, worked example. Fri, 18 Sep 2026 16:41:53 +0000 https://payney.com/blog/how-to-stock-market-today/ markets https://payney.com/blog/ofac-sanctions-irans-bitbank-4-others-in-hormuz-toll-case/ OFAC designated Tehran exchange BitBank and four other targets on Sept 17, 2026, over bitcoin sent to the IRGC and Hormuz passage fees of $1m-$2m per tanker. Fri, 18 Sep 2026 13:38:58 +0000 https://payney.com/blog/ofac-sanctions-irans-bitbank-4-others-in-hormuz-toll-case/ regulation https://payney.com/blog/boj-hikes-to-125-yen-slides-to-157-as-nikkei-gains-15/ The Bank of Japan raised its policy rate 25bp to 1.25% in a 7-2 vote on Sept. 18, 2026. The yen fell to 157.085 per dollar and the Nikkei 225 closed 1.51% up. Fri, 18 Sep 2026 13:38:54 +0000 https://payney.com/blog/boj-hikes-to-125-yen-slides-to-157-as-nikkei-gains-15/ markets https://payney.com/blog/how-to-price-oil/ Oil is priced as a benchmark plus a differential: Brent settled at $105.83 and WTI at $102.43 on Sept 16, 2026. How quotes, formulas and spreads work. Thu, 17 Sep 2026 17:14:43 +0000 https://payney.com/blog/how-to-price-oil/ markets https://payney.com/blog/sp-global-buys-openzeppelin-behind-37t-transfers/ S&P Global agreed on Sept. 17, 2026 to buy OpenZeppelin, whose contracts underpin $37 trillion in transfers. Terms undisclosed; no material impact on results. Thu, 17 Sep 2026 14:20:24 +0000 https://payney.com/blog/sp-global-buys-openzeppelin-behind-37t-transfers/ crypto https://payney.com/blog/house-panel-advances-bitcoin-reserve-bill-in-28-21-vote/ House Financial Services advanced H.R. 8957 by 28-21 on Sept. 16, 2026, locking federal Bitcoin for 20 years and cutting proof-of-reserve reports to annual. Thu, 17 Sep 2026 14:20:18 +0000 https://payney.com/blog/house-panel-advances-bitcoin-reserve-bill-in-28-21-vote/ regulation https://payney.com/blog/sec-grants-5-year-exemption-for-tokenized-stock-trading/ The SEC's Innovation Exemption gives tokenized securities venues five years of conditional relief from exchange registration, effective Sept. 17, 2026. Thu, 17 Sep 2026 14:20:14 +0000 https://payney.com/blog/sec-grants-5-year-exemption-for-tokenized-stock-trading/ regulation https://payney.com/blog/house-panel-advances-crypto-tax-bill-hr-10357-in-38-5-vote/ The House Ways and Means Committee advanced crypto tax bill H.R. 10357 by 38-5 on Sept. 16, proposing a $10 fee exemption and digital-asset wash-sale rules. Thu, 17 Sep 2026 12:04:17 +0000 https://payney.com/blog/house-panel-advances-crypto-tax-bill-hr-10357-in-38-5-vote/ regulation https://payney.com/blog/bank-of-england-rate-at-375-what-we-could-verify/ Wikipedia lists Bank of England Bank Rate at 3.75%, down from a 5.25% peak in August 2023. A reported 17 September 2026 hold and 3.1% inflation are unverified. Thu, 17 Sep 2026 12:04:14 +0000 https://payney.com/blog/bank-of-england-rate-at-375-what-we-could-verify/ economy https://payney.com/blog/what-is-a-passkey/ A passkey is a cryptographic sign-in credential stored on your device or password manager. How synced and device-bound passkeys differ, and how recovery works. Wed, 16 Sep 2026 18:56:23 +0000 https://payney.com/blog/what-is-a-passkey/ fintech