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Two of the world's biggest platforms just moved crypto into apps people already have — Samsung put stablecoins in the wallet on your phone, Telegram is putting a self-custody wallet in front of a billion users. Meanwhile Europe's strict rulebook may end up handing the industry to the banks it was built to disrupt.

Missed Sunday's Kaupr Digest? It covered a week where six governments moved on crypto rules while the US stayed stuck, the bitcoin treasury model finally broke, and a Swedish exchange's three-week fight after a MiCA rejection proved a regulatory "no" isn't always final. Read it here →

Some of the stories in today's edition:

💎 Samsung confirms stablecoins in Samsung Wallet — but names nothing else
💎 Telegram plans a self-custody crypto wallet for over a billion users
💎 Europe's strict rulebook could hand the industry to the banks
💎 Coinbase calls AI-agent payments its "most high-conviction bet"
💎 Fidelity, managing $7.1 trillion, urges the Senate to pass the CLARITY Act

— Morten

Samsung confirmed at its Galaxy Unpacked event in London that Samsung Wallet will gain native stablecoin support, showing a mockup featuring Circle's USDC. The company named no issuer, no blockchain, no launch market and no date, and hasn't said whether it or a partner will hold users' funds.

Why it matters: When one of the world's largest phone makers puts stablecoins in the wallet that ships with the device, adoption moves from dedicated crypto apps into software people already carry — but every detail that actually matters here is still undecided.

Source: Samsung confirms stablecoins in the wallet on Galaxy phones — Kaupr

Telegram founder Pavel Durov announced Gram Wallet, a fee-free, non-custodial crypto wallet built directly into the Telegram app, calling it the largest rollout of a self-custody wallet in history. Unlike Telegram's existing custodial @wallet bot, Gram Wallet would put users in control of their own keys from the start, generated locally on-device.

Why it matters: Telegram is betting people will trust themselves with a 24-word recovery phrase at a scale no one has tried before — a very different wager than the custodial approach X Money and Meta are reportedly taking with their own payment ambitions.

Source: Telegram launches crypto wallet for a billion users — Kaupr

Lawyers say Europe's MiCA regime and the UK's incoming crypto framework are shifting the competitive question from who can get licensed to who can afford to stay licensed. Banks, already equipped with compliance infrastructure, are positioned to benefit through acquisitions and partnerships with crypto-native firms.

Why it matters: For an industry built on lean startups outcompeting incumbents, regulation is quietly making scale — not speed — the new advantage, which could mean the next phase of crypto in Europe looks a lot more like traditional finance buying its way in.

Source: Europe's high regulatory bar could spark new crypto industry M&A wave — CoinDesk

Coinbase Business now lets merchants accept USDC payments from AI agents through x402, an open payment standard the exchange incubated, letting businesses sell to software the same way they already sell to people. The company says agentic traffic overtook human traffic on its Base developer documentation for the first time last month.

Why it matters: That traffic shift is a concrete signal, not a prediction — the audience Coinbase is building infrastructure for may already be larger than its human one.

Source: Coinbase calls AI payments its 'most high-conviction bet' as businesses begin accepting agent payments — The Block

Fidelity publicly called on the Senate to pass the CLARITY Act on Friday, joining Goldman Sachs and several major crypto advocacy groups. Despite the growing institutional support, Senate Majority Leader Thune has said the chamber will likely still miss its window before the August recess.

Why it matters: The bill's problem was never a lack of institutional backers — Fidelity, Goldman and BlackRock together manage tens of trillions and all support it — the problem is a Senate vote count that institutional endorsements can't change.

Source: Fidelity joins push for Senate passage of CLARITY Act — TradingView/Cointelegraph

Applications are open for FirstBlock-athon, running September 7–11 in Stockholm as part of Nordic Tech Week — the first event of its kind in the region. Unlike typical hackathons, the challenges participants work on come from real business problems, and no coding background is required to take part.

Why it matters: A blockathon built around actual business problems, open to non-developers, signals an attempt to pull the Nordic blockchain conversation beyond trading and speculation into who's actually building with the technology.

Source: The first blockathon in the Nordics takes shape in Stockholm — Kaupr

FirstBlock founder Fati Hakim argues that Nordic discussion of blockchain rarely goes beyond cryptocurrency, leaving out companies already using it for traceability, digital identity and verification. She points to AI as the reason this matters now: as models consume more data, verifying who owns and controls it becomes the harder problem.

Why it matters: Her argument reframes blockchain's relevance away from price charts entirely — positioning it as infrastructure for a data-verification problem that AI is making urgent, not another crypto speculation story.

Source: Blockchain can solve problems far beyond finance — Kaupr

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Wishing you a great Monday — and welcome back tomorrow morning for the next edition of Kaupr Daily.

Best regards, Morten Myrstad Founder & Editor