Crypto Market News Today, January 13: US Crypto Market Clarity Act Bill Draft Unveiled as Silver and Gold Hit Highs | Bitcoin Next?

Ben Graham · 4 horas atrás

Bitcoin and gold are back, well, not yet, only gold for now. But Iran’s rial sinks to fresh record lows, and confidence in fiat currencies continues to fray, and we are again asking questions. In the middle of those sits a developing US crypto bill, built around the proposed Clarity Act, that could reshape how crypto is treated in America.

The draft US crypto bill surfaced just as traditional safe havens surged. Gold and silver pushed to new highs, while Bitcoin is gliding below recent resistance. But, again, SEC Chair Paul Atkins called this week a big week for crypto, a public signal that regulation may finally move from enforcement to structure under the Clarity Act framework.

This is a big week for crypto – Congress is on the cusp of upgrading our financial markets for the 21st century.
I am wholly supportive of Congress providing clarity on the jurisdictional split between the SEC and the @CFTC. pic.twitter.com/NtDWRW85kL

— Paul Atkins (@SECPaulSAtkins) January 12, 2026

US Crypto Bill Progress and the Clarity Act Debate

The Clarity Act is designed to do something the market has waited years for. A defined jurisdiction.

Under the current US crypto bill, most digital assets would be overseen by the CFTC as commodities, rather than defaulting to SEC scrutiny. This shift alone changes how projects operate and how investors assess risk.

JUST IN: US Senate releases crypto market structure 'Clarity Act' draft bill. pic.twitter.com/a6bGaMKKDq

— Bitcoin Junkies (@BitcoinJunkies) January 13, 2026

Senator Cynthia Lummis has also added momentum with related language protecting Bitcoin developers from being classified as money transmitters. For us, this matters. It removes legal uncertainty without watering down oversight, and supporters of the Clarity Act think that clear rules are what attract serious capital.

Hearings are expected to happen this week and could refine details, especially around DeFi protections and stablecoin exclusions.

DISCOVER: 10+ Next Crypto to 100X In 2026

Bitcoin, Gold, and Precious Metals Move Side by Side

While lawmakers argue policy, markets have cast the vote. Gold reached a remarkable $4,600 per ounce, silver climbed to above $85, and together their market value now exceeds $15 trillion. Against that scale, Bitcoin, the digital gold, still looks small at around $1.8 trillion, but comparisons are growing faster as institutions buy.

(source – companiesmarketcap)

Bitcoin is now at $91,800 and remains above the 200-day EMA, a level we should watch closely. Recent liquidations topped $250 million, mostly from long positions, yet on-chain data shows long-term holders are holding. The resilience keeps the “Bitcoin to follow gold narrative” alive, even as volatility remains higher than metals.

What Comes Next for Bitcoin and Crypto?

Technical signals are mixed but improving. RSI divergence and a stabilizing MACD show that downside pressure is fading. A break above $94,300 could open a path toward $95,000 or even $100,000.

(source – TradingView)

Whether that happens may depend on charts and on Washington. Progress on the US crypto bill and acceptance of the Clarity Act could be the catalyst Bitcoin needs. Altcoins remain secondary for now, but if Bitcoin steadies, rotations may follow. For the moment, clarity is what the market is watching. Stay bullish.

DISCOVER:

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15 seconds ago

Quantum-Proof Bitcoin: BTQ Launches Testnet to Tackle the Biggest Threat to Crypto

By Akiyama Felix

One of the biggest narratives, not only in crypto but across all of technology, is quantum computing. There have been warnings that the technology could completely unravel legacy banking systems and crypto along with it.

In response, BTQ Technologies has launched a new “quantum-proof” protocol testnet this week, claiming it shows how the network could defend itself against future quantum computers.

https://twitter.com/btc_quantum/status/2010822652697645275

Bitcoin’s price barely moved, up just +1.5% today and trading just above $92,000, indicating that traders view this as a long-term issue rather than an emergency.

Still, as governments and banks prep for a post-quantum world, this topic keeps creeping closer to everyday holders of BTC and the broader digital asset offerings.

To avoid fear-mongering, we must state that your crypto is not about to be hacked tomorrow, but this story is important because Bitcoin’s promise rests on cryptography, and quantum computing targets that foundation.

Read our full coverage here.

4 minutes ago

Ripple Pushes SEC to Redraw the Line Between Crypto and Stocks

By Akiyama Felix

Ripple, the for-profit blockchain company closely associated with XRP, the crypto coin, has a history with the US Securities and Exchange Commission (SEC). In December 2020, just when the world was recovering from the ravages of COVID, the regulator sued Ripple, claiming they sold an unregistered security in XRP, raising billions in the process.

The blockchain company responded, but it took more than four years before the court agreed with their argument. As of January 13, XRP crypto can be classified as a commodity, just like Bitcoin, but depending on how it is sold. Ripple not allowing the SEC to bully them shaped how US crypto exchanges handle tokens today.

Now, in yet another effort to push for more crypto clarity, Ripple asked the US SEC to treat crypto tokens separately from securities transactions. In a letter sent to the SEC’s Crypto Task Force, Ripple continues to advocate for what its lawyers say is “fit-for-purpose” crypto regulation.

https://twitter.com/RippleXrpie/status/2010778777937428581

The XRP USD price didn’t swing, and is presently steady above the psychological $2 level. Notably, the XRP price has reversed gains of January 5, but is firm above the sideways chop of the second half of December 2025.

Read the full story here.

15 minutes ago

Strategy Drops $1.25B on Bitcoin as Holdings Near 690,000 BTC

By Akiyama Felix

It takes courage to buy Bitcoin, or any other asset, when everyone else is dumping. Strategy, the business intelligence firm and the largest BTC holder among public companies in the world, is not afraid. Michael Saylor, the founder of Strategy, launched the Bitcoin plan in late 2020, and they have never looked back. Their plan was (and continues to be) simple: Raise funds and buy BTC. Price action, Saylor has said multiple times, doesn’t matter. HODLing BTC is everything.

After a turbulent 2025, when there were doubts about the Strategy and whether they would sell if Bitcoin and some of the best cryptos to buy continue tanking. Yesterday, on January 12, Strategy announced that they bought $1.25Bn worth of BTC at around $91,000 each. They now control over 687,000 BTC worth over $51Bn at an average price of $75,353.

https://twitter.com/Strategy/status/2010699035141693603

The Bitcoin price traded near $92,000 during the buys, a level that already sits well above Strategy’s long‑term average cost. Strategy is loading up as more institutions continue to push into Bitcoin and some of the top Solana meme coins despite sharp drawdowns late last year.

Read the full story here.

43 minutes ago

Dubai Hands Crypto Token Vetting to Firms

By Akiyama Felix

More rules and regulations at the start of 2026, and Dubai is also updating its stance on crypto. The Dubai Financial Services Authority (DFSA) has updated its rules for crypto tokens in the Dubai International Financial Centre (DIFC). Effective January 12, 2026, licensed firms must now evaluate and decide for themselves whether a crypto token meets the regulator’s suitability standards. The DFSA has removed its previous list of recognised crypto tokens.

This adjustment moves away from centralised approvals and places direct accountability on the companies offering these services. It aligns with how several global regulators are handling digital assets, emphasising firm responsibility over regulatory pre-approvals.

In other words, firms need to do their own DYOR now.

Read our full coverage here.

56 minutes ago

XRP Price Drops 15% as Buyers Rush in to Defend Key $2 Level

By Akiyama Felix

The XRP Price has slid nearly -15% over the past week, spooking short-term traders and triggering a sharp wave of dip buying. However, buyers have continued to step in to defend the key $2 level whenever it has approached, with around five separate bounces from $2.03 to $2.08 over the past seven days.

This move fits a familiar crypto pattern: big money buys fear and red candles, while retail traders with weak hands exit their positions as the first sign of trouble. XRP is currently flat over the past 24 hours, trading at $2.05, with $3.25Bn in daily volume.

Price weakness alone does not tell the full story. Ripple’s native token has spent years trading around legal headlines, ETF speculation, and shifting market cycles. This drop landed right in the middle of that long-running push-and-pull.

Read the full story here.

60 minutes ago

Binance Says Crypto Is Leaving Retail Era as Institutions Move In

By Akiyama Felix

Something special happened after January 2024. After years of rejection, criticism, and pure hate for crypto, the US SEC finally approved the first batch of spot Bitcoin ETFs. A few months before milestone, BTC USDT, and some of the best cryptos to buy began rallying. And the rally continued for the first half of 2024. As expected, there were obstacles here and there, but after January 2024, crypto was officially open for the big boys. They wasted no time: Billions flew to BlackRock and other spot Bitcoin ETF issuers within the first few days after launch.

A few years later, in early 2026, Richard Teng, the CEO of Binance, is convinced crypto has moved beyond its retail‑trader phase as institutions lock in long‑term exposure. Talking to X, Teng said the last 24 months have been instrumental for crypto, marked by institutions diving in and committing billions.

Crypto is the only asset class in history to be built from the bottom up.

After years of being retail-led, the last 24 months have seen a massive influx of institutional capital. The corporate pool is deeper than it’s ever been.

— Richard Teng (@_RichardTeng) January 12, 2026

In response to this post, the Bitcoin price held firm above $90,000 as ETF flows stayed steady rather than explosive.

Read the full story here.

2 hours ago

New Ethereum Income ETF Emerges as 2026 Bet

By Akiyama Felix

Well, do you know what the crypto market needs? More ETH ETFs! To be fair, this new one comes with a twist. A new Ethereum-focused ETF has just launched in the U.S., aiming to turn ETH exposure into steady income. The move fits a broader trend, as institutions increasingly look for crypto investments that behave more like traditional financial products.

The NEOS Ethereum High Income ETF (NEHI), which debuted in December, is quite interesting: instead of relying only on price appreciation, the fund is designed to deliver regular income linked to Ethereum.

ETH traded in a narrow range this week while ETF flows remained steady, pointing to stable demand rather than short-term trading.

(Source: Coinmarketcap)

Over the past week, Ethereum ETFs recorded $168 million in net inflows, showing renewed interest after a slower period. On a monthly basis, flows dipped slightly by $19.4 million, suggesting some profit-taking but no major exit. Zooming out, the trend turns clearly positive. Over the last three months, Ethereum ETFs have attracted $236.2 million in net inflows, reinforcing the idea that investors are adding exposure gradually rather than chasing price spikes.

Read our full coverage here.

2 hours ago

Warren Vs Trump: Crypto Retirement Plans Spark SEC Fight

By Akiyama Felix

Following President Trump’s now-public spat with SEC Chair Jerome Powell, Senator Elizabeth Warren has pressed the SEC to step in after the Trump administration pushed crypto deeper into US retirement plans.

Key figures in Washington are at each other’s throats after the Department of Justice announced it is investigating Powell, and the SEC chair responded with a fiery retort, calling out President Trump for his heavy-handed tactics. Senator Warren inserting herself into the narrative comes as no surprise due to her longstanding agenda against crypto.

During the latest US political drama, Bitcoin held steady above $90,000 and is currently trading at $91,800, up around 0.4% in the past 24 hours. Until $90,000 is lost or $94,000 is breached, BTC USD remains locked in a tight range designed to chop leverage traders in both directions.

The broader crypto sector remains stable, with privacy tokens surging and propping up the market as the total combined market cap rose +0.5% overnight to remain above $3.2 trillion, per CoinGecko.