Block #9 Research
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B9-2026-06 Regulering Publisert: 2026-08-13 Oppdatert: 2026-08-13 25 min lesing
What the ECB is actually building, what the legislation fixes in law, and what it means for your bank account, your privacy and the crypto market
The digital euro is a claim on the ECB, not a bank deposit and not an investment: it bears no interest and carries no price risk. The holding limit plus the waterfall mechanism are the heart of the design; without them a bank run could unfold digitally within hours. Offline payment is the only component with a privacy level the ECB compares to cash; online payment explicitly is not. Basic use must be free for individuals; merchants pay a fee for which the regulation foresees a cap. B9-2026-05 Marked Publisert: 2026-08-04 Oppdatert: 2026-08-11 25 min lesing
Liquidity, volatility and who is actually buying since regulated funds stepped in
Order-book depth around the mid price clearly increased during US trading hours. Volatility concentrates more strongly around the US market open and close. Correlation with broad equity indices is structurally higher than in the preceding period. Weekend trading became relatively thinner: large parties trade when their infrastructure is open. B9-2026-04 Teknikk Publisert: 2026-07-15 Oppdatert: 2026-08-05 24 min lesing
What goes wrong for retail holders managing their own keys, and which setup prevents it
Seven of ten documented losses stem from backup failures, not attacks. Those who test their recovery procedure once almost never lose access in our dataset. Storing a recovery phrase digitally, including in a password manager, is the biggest risk factor in theft cases. In half of the death cases, heirs could not access the assets because no instructions existed. B9-2026-03 Banker Publisert: 2026-06-24 Oppdatert: 2026-07-30 25 min lesing
How large banks in the Benelux, Germany and Scandinavia shifted their stance on crypto-assets
Nearly all banks studied allow payments to licensed platforms, but half still apply informal limits or extra questions. Custody services for institutional clients are growing faster than retail offerings. The difference between banks is larger than the difference between countries. Recurring payments to the same licensed counterparty rarely trigger blocks; one-off large amounts still do. B9-2026-02 Regulering Publisert: 2026-05-06 Oppdatert: 2026-07-20 27 min lesing
What the European crypto regulation actually changed for users, issuers and banks
Consolidation is the clearest effect: small providers without the capital for a licence disappeared or were acquired. Euro stablecoins gained share within the EU but remain marginal globally against dollar tokens. Passporting works, but national supervisors interpret advertising rules and complaint handling differently. Segregation of client assets is the most concrete gain for users; there is no guarantee fund. B9-2026-01 Marked Publisert: 2026-03-18 Oppdatert: 2026-08-01 26 min lesing
Fees, spreads and hidden costs at eight platforms used by Belgian and Dutch retail investors
The gap between the cheapest and most expensive route is roughly twenty euro on 1,000 euro, or 2% of the amount invested. At six of eight platforms the spread exceeds the visible fee for amounts below 250 euro. The pro interface of the same platform is on average 78% cheaper than the simple buy button. Withdrawal fees to a self-custody wallet range from zero to five euro and weigh heavily on monthly buys under 100 euro. Sammendraget og hovedfunnene er fritt tilgjengelige. Hele notatet — alle kapitler, metoden, konklusjonene, kildene og nedlastingsfilen — er forbeholdt Pro-medlemmer.
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