Stablecoins moved deeper into everyday payments: Mastercard and Stripe opened card and merchant rails to them, and the EBA made USDC the EU's first significant e-money token. Wall Street kept building onchain, from BNY's tokenized repo to Ripple's 24/7 RWA perps.

Five that actually mattered:

— Mastercard opens its network to stablecoins

— EBA names USDC a significant e-money token

— BNY settles a tokenized repo with Citadel

— Stripe and Plasma build multi-currency cards

— Solana sets Alpenglow for Oct 21

Ledger unveiled Atom, a data-only Android device that runs everyday apps while its secure chip takes over the screen for every signature, login and AI-agent approval.

The Secure Element, MCU and FPGA sit in a monitored zone that detects drilling or attempts to open the case, and the tamper sensors keep running on a separate battery when Atom is off. A hardware switch cuts the camera and mic. Solana Mobile's Seeker app and dApp Store come preinstalled. The launch lands amid the spy-implant cases on resold Ledgers.

The Founders Edition costs $849 with a $100 refundable deposit, rising to $899 after launch. Shipping is planned for summer 2027.

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Ramp closed a $1.85B round at a $60B valuation, four months after raising $750M at $44B. Dragoneer led, with Thrive, Founders Fund, Sands Capital and Avenir co-leading.

Annualized revenue now tops $2B with positive cash flow, and growth is 25% faster than a year ago. More than 85,000 companies run over $275B in yearly purchase volume through Ramp, up 175%. Other backers include Fidelity, T. Rowe Price, GIC, Coatue, Khosla and General Catalyst.

Ramp is pushing into AI: it now tracks company AI spending across providers and routes model requests to cut inference costs by up to 40%.

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Ripple Prime launched RWA perpetual swaps for institutional clients, starting with Virtu. They cover 100+ markets across stocks, indices, ETFs, metals, energy and FX, traded and settled 24/7.

Ripple Prime trades as principal, and the swaps reference perpetual futures listed by Trade.xyz on Hyperliquid, so clients can manage exposure on weekends too. Positions can be cross-margined against other assets Ripple Prime supports, and RLUSD works as collateral.

For now the product runs out of Ripple Prime's BVI license, with more regions planned.

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Stripe and Plasma announced multi-currency cards backed by stablecoins. Cardholders will spend euros, reais or pesos directly instead of converting through dollars first.

Stripe is expanding its stablecoin card infrastructure to USD, EUR, BRL, MXN and COP, plus USDC, OUSD and other GENIUS-compliant stablecoins. It is live in 30+ countries and targets 100+ in 2027. Plasma, an account for people whose finances span countries, is moving onto Stripe's card stack as design partner.

Next, cards will pick the right balance automatically at checkout. Other businesses can issue the same cards through Stripe.

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Mastercard launched its Global Money Platform, built on BVNK's stablecoin tech. Banks and fintechs can embed accounts that hold fiat and stablecoins side by side, with conversion through one API.

Users can spend stablecoin balances at hundreds of millions of Mastercard merchant locations, with card issuing in 130+ countries. Payouts go straight to local bank accounts via Mastercard Move, with coverage set to reach 40+ currencies in 200+ countries and territories in 2027. It is the first major product since Mastercard closed its up to $1.8B BVNK deal in August.

Nuvei, Ontop, Beem and Almond Fintech are among the first to integrate. The platform is available now through BVNK.

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The EBA classified Circle's USDC as a significant e-money token under MiCA. It is the first of 45 notified e-money tokens in the EU to get the label.

From November 12, USDC moves to dual supervision. The EBA takes over direct oversight of its own funds, reserve assets, liquidity, and recovery and redemption plans from France's ACPR. The ACPR keeps governance, qualifying holdings, fit and proper checks, outsourcing and conflicts of interest.

The EBA also signed a memorandum with New York's DFS to cooperate on cross-border stablecoins, as USDC is issued in both the EU and the US.

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Public teardown tracker by Mark Karpelès lists 12 Ledgers with a hidden LTE implant, bought everywhere from Lazada Thailand and Amazon Japan to Changi Airport.

"The implant sits inside the enclosure and reads the data shown on the screen … It does not modify the Secure Element or the Ledger operating system," Ledger's Donjon team said. That is why a tampered device still passes Genuine Check.

CryptoBilis buyers in Malaysia, Indonesia and the Philippines lost ~$102M, per Bitquery. Ledger has not confirmed a total, but on October 13 it halted sales in 7 Asian markets.

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BingX EU secured a MiCA license from Austria's Financial Market Authority (FMA), becoming an authorized crypto-asset service provider (CASP).

The license is held by MEGE zweite GmbH, the BingX EU entity in Vienna. Once passporting is complete, it can offer regulated broker services, including crypto custody and exchange, in all 29 countries of the European Economic Area.

The services are not live yet: BingX EU is still preparing the launch with the FMA and other European regulators.

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Leveraged traders lost $973M in positions over 24 hours, and longs took $892M of it (91.7%). About half hit in a single hour overnight, as ETH fell over 5% and BTC slid toward $80K. 182,685 traders were liquidated.

Binance carried 53% of the total, followed by Hyperliquid and Bybit. ETH led coins at $293M, ahead of BTC at $203M. The largest single order was a $12.03M BTC long on Binance, closed at $80,209. Data: CoinGlass.