Interest rate decisions are coming, and the market is in an uproar. But do you know? What truly changes the crypto world has never been those numbers themselves.

On the surface, every Fed rate adjustment can cause significant fluctuations in Bitcoin and other cryptocurrencies. But in reality, these are just the tip of the iceberg. The Federal Reserve is conducting a more fundamental reform behind the scenes—redefining the relationship between crypto assets and traditional finance through innovations at the infrastructure level.

**The Disruptor of Payment Systems**

Last October, Fed Board Member Christopher Waller proposed a bold move: the "Simple One Account." It sounds very technical, but this thing is quite powerful.

What is the core? Crypto exchanges, stablecoin issuers, and fintech companies can now connect directly to the Fed’s payment clearing system. No more waiting in line for commercial banks to transfer funds—you connect directly to the central bank.

In other words, settlement times are compressed from several days to under 1 second, and transaction fees are cut by more than half. This is not just an improvement in speed; it breaks the decades-long monopoly of banks in the payments sector. The crypto industry finally has an officially recognized, efficient funding channel.

**And it gets even more outrageous**

The Fed hasn't stopped there. They are also working on an even more aggressive move—building their own crypto exchange. Developed based on the so-called "Hamilton Plan," it adopts a hybrid blockchain architecture and is equipped with a real-time full settlement system.

Early test data has already been quite astonishing, with transaction processing efficiency reaching the level of two-phase commit. What does this mean? Clearing speeds at the exchange level combined with central bank-level risk control.

From payments to trading, from infrastructure to compliance frameworks, the Fed is systematically finding an entry point for crypto assets into the mainstream financial system. The long-term impact of these reforms could far surpass any interest rate cut.