White House De Propose SEC-CFTC Split for Crypto Regulation

White House don release crypto regulation policy report wey set clear oversight boundaries between US Securities and Exchange Commission (SEC) and Commodity Futures Trading Commission (CFTC). Under this proposal, CFTC go get authority for spot crypto market, while SEC go focus on digital assets wey dem regard as securities. This crypto regulation framework aim to reduce legal fragmentation and promote transparent, scalable crypto ecosystem. Report also cover market reforms, new banking rules for service providers, stablecoin oversight, and crypto tax law updates wey dem design to make US dollar more dominant. Policy come two months after SEC drop appeal for Ripple lawsuit over $1.3 billion unregistered XRP sales. Case end with mixed ruling on retail and institutional trades plus $125 million settlement. Analysts talk say clearer regulatory boundaries fit reduce investor worries and boost crypto adoption for US, but dem warn say intensified SEC enforcement and yet-to-solve banking custody rules fit slow short-term gains.