Today's blockchain and cryptocurrency news 

Bitcoin is down half a percent at $99,464

Eth is up slightly at $4,006

XRP, up 1.5% at $2.47

Top gainers in the last 24 hours:

Hedra, up 22%

NY Fed president Bill Dudley writes op-ed on proposed BTC reserve

UK FCA says pump.fun not authorized in country.

FDIC asked financial institutions to pause crypto-related activities

Czech republic approves BTC exception for capital gains.

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