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GM. Just when you think you've found the sweetest moment in crypto, someone hands you a lemon.

Let's see if today's stories are sweet or sour:

🍍 Morgan Stanley news move the market;

🇰🇷 South Korea's making crypto exchanges take responsibility;

🍋 US politician targets market abuse, Grayscale ETF pays out holders + more

🍍 Market flavor today

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🇰🇷 South Korea's making crypto exchanges take responsibility

You drop your laptop off at a repair shop. They take it behind the counter, disappear for an hour... and then come back empty-handed.

"Bad news," they say. "Someone broke in and stole it."

You'd pause for a second. Then you'd probably ask the obvious question:

"Okay… but you were in charge of it. So what happens now?"

That exact question is what South Korea is now asking crypto exchanges.

South Korean regulators wanna change how they want crypto platforms to operate when things go wrong - especially when hacks happen.

The short version: exchanges may soon be expected to take responsibility for losses even if a hack wasn't directly their fault.

This is happening against the backdrop of another high-profile security incident involving a major local exchange, which once again exposed a long-standing gray area in crypto: when user funds are stolen, who's actually on the hook?

For years, the implicit answer has often been: the user. There just wasn't a strong rule saying otherwise.

South Korea seems ready to change that.

Regulators are discussing tougher penalties for exchanges that experience hacks, including fines that scale with the size of the business.

And more importantly, there's growing support for the idea that exchanges should compensate users even if the hack wasn't caused by negligence.

Which is a big deal, because it reframes what a crypto exchange is.

Until now, many exchanges have lived in this middle zone - not quite a bank, not quite just a tech app. More like: "We built the platform, but once you're inside, you're on your own."

South Korea is nudging them out of that comfort zone and toward something closer to financial infrastructure - the kind where responsibility doesn't disappear the moment something breaks.

Once you accept that, the incentives change.

Security decisions usually compete with growth. New features, new markets, new users - those things tend to win when the downside of failure is small.

But if a hack can lead to:

👉 Paying users back;

👉 Material financial penalties;

👉 Real damage to the business;

... then security stops being optional.

That said, this isn't a clean win for everyone.

For users, the upside is this:

👉 More accountability = more trust;

👉 Fewer "sorry, nothing we can do" moments.

For exchanges, especially smaller ones, this raises the bar. Better security, bigger insurance buffers, more compliance - all of that costs money.

Some platforms may not survive that transition. The industry could end up with fewer, larger exchanges.

Whether that's good or bad depends on what you value more: choice or predictability.

And just to be clear, none of this magically stops hackers. Attacks will keep happening.

The real question isn't if something breaks, but who carries the weight when it does.

Which brings us back to the laptop repair shop.

South Korea isn't saying theft won't happen. It's saying that if you take custody of something valuable, you don't get to walk away from the consequences.

And that's a sign that crypto, at least in some parts of the world, is being pushed out of its experimental phase... and into its "you're responsible now" era.

🍋 News drops you can't miss

💸 Sending money to Portugal and not sure which option won't eat you alive in fees? We broke down the best ways so you can move your money without the headache.

🫣 US Rep Ritchie Torres is working on a bill to stop government officials from using private info to make money on prediction markets. He jumped on this after someone made major profits trading on rumors about Venezuelan President Nicolás Maduro getting caught.

💸 Grayscale started sending out cash to holders of its Ethereum staking ETF, with each share paying $0.083178 for rewards earned between October 6 and December 31, 2025. If you're holding shares, that's your payout window.

🎟️ NFT Paris and RWA Paris scrapped their February 2026 events with only a month's warning, blaming the rough market. If you were planning to go, looks like it's time to make new plans.

🖥️ Nvidia's CEO Jensen Huang says GPU demand is exploding as AI keeps getting smarter. Every company in AI is racing to stay ahead.

🍌 Juicy memes