Seeds of Wisdom RV and Economics Updates Thursday Afternoon 1-15-26

Good Afternoon Dinar Recaps,

CLARITY Act Stalls as Crypto Industry Warns It Shields Banks, Not Innovation

Regulatory clarity promised — institutional protection delivered?

Overview

• The Digital Asset Market Structure and Clarity Act failed to advance today after a Senate Banking Committee delay.

• Crypto industry leaders, including Coinbase, argue the bill protects banks more than crypto users.

• Regulatory uncertainty continues, keeping digital assets in limbo heading into 2026.

• The delay underscores a deeper divide between Wall Street priorities and decentralized finance realities.

What Happened Today

• The Senate Banking Committee postponed its scheduled markup of the CLARITY Act rather than moving it forward.

• No committee vote occurred, and the bill did not advance to the Senate floor.

• Lawmakers cited unresolved concerns and ongoing negotiations over the bill’s structure and scope.

Despite earlier momentum, today’s delay signals that consensus has not been reached on how crypto markets should be governed.

Why the Crypto Industry Is Pushing Back

Coinbase and other digital asset firms have been increasingly vocal, warning that the CLARITY Act:

• Reinforces bank dominance over custody, settlement, and market access

• Limits innovation by favoring existing financial intermediaries

• Creates regulatory hurdles for crypto-native firms while easing compliance paths for large banks

Industry critics argue the bill’s framework repackages crypto activity into legacy banking rails, undermining decentralization rather than clarifying it.

Banks vs Crypto: The Core Tension

At the heart of the debate is who benefits from “clarity.”

• Banks gain clear jurisdictional authority and compliance pathways

• Crypto firms face higher costs, licensing burdens, and operational constraints

• Retail users risk being pushed back into permissioned, centralized systems

This has fueled claims that the CLARITY Act is less about innovation and more about institutional control of digital finance.

Why It Matters

• Regulatory delays prolong uncertainty for markets, builders, and investors

• Wall Street-first frameworks risk slowing U.S. competitiveness in digital assets

• Crypto adoption may migrate offshore to jurisdictions with clearer, more balanced rules

Instead of clarity, today’s outcome reinforces the reality that digital asset regulation remains politically contested.

Why It Matters to Foreign Currency Holders

For readers holding foreign currency in anticipation of a Global Reset:

• Regulatory stagnation weakens confidence in U.S.-based digital rails

• Bank-centric crypto policy favors fiat preservation, not revaluation catalysts

• Alternative settlement systems abroad may gain momentum faster

• True value shifts tend to follow open systems, not tightly controlled financial structures

In short, currency realignment favors flexibility and neutrality, not regulatory capture.

Implications for the Global Reset

• Pillar 1 — Monetary Control: Governments remain focused on controlling rails, not liberating value

• Pillar 2 — Infrastructure: Innovation continues outside traditional banking frameworks

This is not just a crypto bill — it’s a signal about who will control money in the next system.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Investors.com – Senate Delays CLARITY Act Markup After Industry Pushback

• Cointelegraph – Crypto Leaders Warn CLARITY Act Favors Banks Over Blockchain Innovation

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BRICS vs ASEAN in 2026 Shows Why Alignment May Backfire

When joining a bloc increases risk instead of protection

Overview

• ASEAN’s growing association with BRICS is triggering tariff exposure rather than insulation.

• Indonesia’s full BRICS membership and partnership roles for Malaysia, Thailand, and Vietnam increase geopolitical pressure.

• U.S. tariff threats highlight the costs of perceived alignment in a polarized global system.

• Strategic autonomy, not bloc loyalty, emerges as ASEAN’s core vulnerability in 2026.

Key Developments at a Glance

• Tariff escalation risk: Indonesia faces potential U.S. tariffs exceeding 40%, explicitly linked to BRICS alignment.

• Regional spillover: Thailand, Malaysia, and Vietnam are already confronting elevated tariff regimes tied to geopolitical positioning.

• Non-alignment under strain: ASEAN’s long-standing neutral posture is increasingly difficult to maintain amid great-power rivalry.

• Currency implications: Discussions around BRICS-linked settlement systems raise concerns about financial sovereignty rather than protection.

How BRICS–ASEAN Dynamics Expose Tariff Vulnerability

At the center of the BRICS vs ASEAN debate is trade exposure. The U.S. has signaled that deeper BRICS alignment may invite punitive tariffs, reframing economic cooperation as a geopolitical liability. For export-driven Southeast Asian economies, this creates an asymmetric risk:

• Limited upside from BRICS trade frameworks, which remain loosely structured

• Immediate downside from Western trade retaliation, which is swift and enforceable

This imbalance highlights how alignment without institutional safeguards can backfire quickly.

Structural Dependence and the BRICS Currency Question

ASEAN’s challenge in 2026 is less about military strength and more about structural dependence:

• Supply chains, digital standards, data sovereignty, and payment rails increasingly define power

• BRICS-linked currency or settlement systems may reduce flexibility, not enhance it

• Smaller economies risk becoming rule-takers rather than rule-makers in multipolar arrangements

The push toward alternative payment systems introduces new dependencies without clear governance protections.

Why It Matters

• Multipolarity without rules increases friction, not leverage

• ASEAN centrality weakens when bloc alignment overrides strategic neutrality

• Economic coercion replaces diplomacy in trade policy

• Tariffs become tools of signaling, not just commerce

In 2026, alignment choices are no longer symbolic — they are priced directly into trade flows.

Why It Matters to Foreign Currency Holders

For readers holding foreign currencies in anticipation of a Global Reset:

• Tariff pressure erodes currency stability, especially in export-driven economies

• Bloc association does not guarantee protection or revaluation upside

• Currencies gain strength from trade access, not political alignment

• True reset conditions favor flexibility, neutrality, and diversified settlement options

The lesson is clear: currency value follows trade resilience, not bloc membership.

Implications for the Global Reset

• Trade Access Pillar: Open markets matter more than political alignment

• Sovereignty Pillar: Control over settlement, data, and standards defines future power

This is not about choosing sides — it’s about avoiding traps in a fragmented global system.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Watcher.Guru – BRICS vs ASEAN in 2026 Shows Why Alignment May Backfire

• Nikkei Asia – Southeast Asia walks tightrope as BRICS expansion tests neutrality

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