Ah Dogecoin. It’s been too long since I’ve written about you. It’s sometimes hard to believe that $DOGE ( ▲ 0.05% ) has spent 13 years demonstrating that a dog can become a multibillion-dollar financial asset.

Now it's attempting something considerably more difficult: getting several dogs to live under the same roof without eating the furniture.

Today, Dogecoin Labs announced it's bringing MyDoge, DogeOS, and Such App together under one organization. MyDoge is the family dog with more than 500,000 reported users. DogeOS is the ambitious puppy that wants to build everything from DeFi to gaming. Such App is the one that allegedly has a job, handling merchant payments and invoices.

The Dogecoin Foundation and publicly traded $HODO ( ▼ 5.67% ) are contributing intellectual property, assets, and development teams to the new kennel, with MyDoge and DogeOS founder Jordan Jefferson assuming responsibility for the entire pack.

The Foundation still has its own house, while House of Doge receives equity in the new operation. Nobody's entirely moving out. They're just consolidating the food bowls.

The idea is to connect developers, wallet users, and merchants into something resembling a functioning economy. DogeOS only launched its public testnet September 30, so there's still considerable house-training ahead. 🏘

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The OCC finalized its GENIUS Act rules today, and the banking industry received some upsetting news: customers might still get paid for keeping dollars somewhere other than a bank. 🤣

The law bars stablecoin issuers from paying interest directly, but the OCC dropped a proposed presumption that would have treated certain third-party rewards as prohibited yield. Platforms like $COIN ( ▲ 3.65% ) can continue offering eligible USDC rewards, subject to regulatory scrutiny.

Here's why the banks are sweating. Coinbase offers up to 3.5% on USDC, while the average U.S. savings account pays 0.38%. I mean I really don’t have to write anything more than that. But bankers warn that higher stablecoin rewards could drain deposits, constrain lending, kill the climate, end the moons orbit around the Earth thereby destroying the entire planet, make the sun go dark, encourage militant space turkey’s to invade, etc, etc, etc.

Still, the optics are magnificent. After years of preaching free markets, banks are lobbying regulators to protect an arrangement where they pay customers next to nothing to hold their money.

Competition is wonderful, right up until someone competes. 😶

$NEAR ( ▲ 6.52% ) launched NEAR Business yesterday. It give companies private payroll, vendor payments, treasury management, and swaps across 35ish networks. Why? Well, perhaps your employees' salaries shouldn't be available to anyone with a block explorer and an afternoon to kill. 🔭

NEAR's to this is multisig approvals and cross-chain operations in one dashboard while keeping balances, recipients, and transaction details confidential. Governance remains publicly verifiable, and records stay available to authorized accountants and auditors. Imagine that. Financial privacy without making the CFO dress like a fugitive.

Also, the timing is kind of funny. NEAR is opening a new bank vault 19 days after somebody robbed the building. On October 1, an exploit involving its NEAR Intents infrastructure cost roughly $3.8 million. The funds were returned and the flaw patched, but that's an awkward footnote for a product asking businesses to trust its plumbing.

The platform remains invite-only. 🕵

$SOL ( ▲ 0.68% ) cut transaction finality from 12.8 seconds to roughly 150 milliseconds today. 😱

The upgrade, called Alpenglow, replaces TowerBFT, Solana's original consensus system, which has been running since 2020. Validators managed the transition without taking the network offline, which is especially encouraging given Solana's historically complicated relationship with remaining operational.

For those who don’t know or forgot, finality is the point when a transaction becomes irreversible, something exchanges, merchants, and financial institutions tend to appreciate when handling actual money. Reducing that wait to 150 milliseconds is a legitimate engineering achievement.

Anza, the engineering team behind the upgrade, says further improvements are coming, including faster data distribution and eventually post-quantum security.

Now, faster settlement doesn't automatically resolve questions about decentralization, reliability, or whether Solana's economic model can survive without speculative enthusiasm doing most of the heavy lifting.

Still, there's something almost admirable about Solana's approach. Like Tether, it's making a surprisingly effective case for one business’s most used maxims: fake it till you make it. 👍

World launched the World ID app, which is basically a bouncer for the whole internet now that bots outrun people in web traffic. It stores proofs ranging from an Orb iris scan to a selfie, plus one that confirms your age without showing the rest of your ID, and more than 18 million people already hold the Orb-verified version. World.

Humans just got an ID app, and now the bots are getting passports. Ankr Forge's second season pays points for creating and funding Kite Agent Passports, a verified ID plus wallet that lets AI agents hire other agents and shop online under limits you set, though the post never says how big the monthly reward pool is. Ankr.

Tether, which invests like a Sims player who typed "motherlode," joined Tenstorrent's $1.5 billion Series E and kept its own check size to itself. The round values Jim Keller's AI chip company at $6.2 billion, and the money goes toward more Galaxy servers and new AI and CPU tech. Tether.

Injective signed an MOU with BDACS, the corporate version of "we should grab coffee sometime," to make KRW1 the first won-backed settlement asset for tokenized assets on its chain. Korean exchanges have watched 14.9 trillion won (about $10.4 billion) in stablecoins move offshore over 18 straight months, and there's no launch date yet. Injective.

Ankr's points setup looks simple next to this one. PancakeSwap's new Pre-Access rules for tokenized pre-IPO deals stack Binance Wallet Alpha Points, a Trencher Badge you apply for by survey and your trading in the 30 days before a deal is even announced. Max all of it out and you get a higher subscription cap, not a guaranteed allocation. PancakeSwap.

FalconX and GSR made the first block trades in CME's new Bitcoin Cash and Uniswap futures. That puts the token of a DEX built so nobody needs an exchange on an exchange, right next to a 2017 fork that's still arguing about block sizes, and brings CME's single-coin futures lineup to 11. CME Group.

The Hollow Night, Mirandus: Eternal Night's first seasonal event, runs through November 3. Its Hollow Minotaurs have gone full Cylon, looking like regular Minotaurs right up until the fight starts, and fallen players now leave graves others can inspect, with Gala upselling three premium tombstones in the store during the event. Gala.

LlamaRisk is cutting seven supply and borrow caps across three Aave V3 markets, including USDe on Core from 400 million to 300 million after deposits there fell 57% in a month. USDT's rate curve also kinks at 92% utilization now instead of 94%, a change borrowers will feel right around never, since it moves borrow rates from 4.10% to 4.19%. Aave.

Injective's having a week. With Circle shutting off USDC on Noble January 12, a Cosmos Hub proposal would send the community pool's 566,067 USDC to a 4-of-6 multisig, its address currently listed as "[MULTISIG ADDRESS PENDING CREATION]," which swaps it to Injective USDC and sends it back. Cosmos.

Stellar's Protocol 30, nicknamed Bell, lets smart contracts verify post-quantum ML-DSA signatures and adds contract addresses starting with W, which an SDF engineer swears is just an upside-down M. Ledger timestamps move to milliseconds too, with a testnet vote November 3 and mainnet November 23. Stellar.

Algorand is playing Ian Malcolm this week, except it fixed the fence years ago. Its new post warns that the new financial system can't run on cryptography a quantum computer could crack, and notes it's had Falcon-signed State Proofs since 2022 and native post-quantum accounts this year. Algorand.

Optimum's mump2p networking layer is live on Ethereum mainnet with $3.4 billion in "Total Value Boosted," the newest TVL knockoff on the shelf. Its early measurements show blocks reaching validators 2 to 4 times faster than the default GossipSub, and ether.fi made all 12 of its node operators run it. Optimum.

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