Blockchain & Web3 Weekly Bytes Edition #89

🧱 Filecoin Cloud Launches, OCC Clears Gas-Fee Crypto, Zcash Primer

Nov 22, 2025

Hello Blockchain Enthusiast,

Welcome to Edition #89 of Blockchain & Web3 Weekly Bytes. This week, infrastructure moved up a notch across storage, banking, and savings. Filecoin teams unveiled a decentralized cloud stack for hosting full applications, US regulators clarified how banks can hold crypto for gas fees, and Aave Labs unveiled a high-yield savings app that plugs directly into DeFi rails.

Note: There will be no edition next Saturday due to Thanksgiving.
Edition #90 will be out the week after, on Saturday, December 6.

TLDR – This Week at a Glance:

Filecoin Foundation and FilOz introduce an onchain cloud for storage, compute, and frontends
US OCC says banks may hold crypto to pay network gas fees when supporting customer activity
Aave Labs readies a savings app with bank connectivity and yield backed by DeFi strategies
Tech Spotlight: Zcash Primer walks through how shielded transactions work in practice
Chart of the Week: Tokenized stablecoins and treasuries remain tiny beside the US Treasury market
Affiliate Spotlight: 101 Blockchains’ Certified Web3 Blockchain Developer program for career builders

🧠 Weekly Trivia

Which chain now holds the largest value of tokenized U.S. Treasuries?

A) Ethereum
B) Polygon
C) Base
D) Stellar

*Answer revealed at the end 👇

📰 This Week’s Blockchain and Web3 Highlights

Filecoin teams introduce a decentralized cloud stack: Filecoin Foundation and FilOz presented an on-chain cloud environment that can support full-scale apps, from storage to computation.

US regulators say banks can hold crypto to cover network fees: The OCC clarified that banks may keep certain digital assets on balance sheets solely to pay transaction fees tied to blockchain activity.

Polygon lands new payments integrations: Revolut is adding Polygon support for remittances, POL staking, and in-app card payments. Mastercard and DeCard also revealed fresh integrations with Polygon for cross-border and consumer payment flows.

Aave prepares a savings app with depositor protection: Aave Labs announced a savings product offering a 5 percent base rate with optional boosts.

JPMorgan points to retail-driven ETF outflows: Analysts at JPMorgan said retail investors have sold about four billion dollars across spot bitcoin and ether ETFs so far this month.

New Hampshire launches a bitcoin-backed municipal bond: The state’s Business Finance Authority introduced a $100 million bond that must be backed by bitcoin at a 160% ratio.

Coinbase buys Solana social trading app Vector: Coinbase is acquiring Vector, a Solana meme coin and social trading app built by the Tensor team.

🔦 Tech Spotlight: Zcash Primer

Privacy in public ledgers has always been tricky. Zcash took a different path by making privacy optional at the protocol level rather than relying on mixers or external tools.

What Zcash brings to the table

Launched in 2016 as a Bitcoin fork with a 21 million cap and proof of work security.
Supports two address types: transparent addresses that resemble Bitcoin and shielded addresses that hide amounts and counterparties.
Uses zero-knowledge proofs so nodes can verify a transaction without seeing who paid whom or how much moved, as long as the math checks out.

How Zcash privacy works in practice

Shielded pools: When users send funds between shielded addresses, the ledger records the value entering and exiting the pool, but not the specific path between sender and receiver.
Viewing keys: Zcash supports viewing keys that allow auditors or compliance teams to view details for a specific wallet without exposing the entire network.
Upgrades and audits: The protocol has undergone several upgrades to improve proof performance, mobile friendliness, and proof security, with independent cryptographic audits along the way.

Takeaway: Zcash shows how base layer privacy can work without breaking verification. By pairing shielded transactions with viewing keys and ongoing audits, it offers a template for privacy that balances discretion, security, and accountability.

📊 Chart of the Week: Tokenization Still at the Starting Line

Stablecoins and tokenized treasuries together now account for about $300 billion. The chart from Securitize compares that figure against the scale of traditional cash and Treasury markets.

US dollars in circulation stand near $2.4 trillion, and the US Treasury market is above $28 trillion. These numbers show how early tokenized assets still are compared to the markets they mirror.

The market ceiling for tokenized assets remains far above current adoption. Early traction in treasuries, cash equivalents, and settlement rails hints at steady expansion as infrastructure improves.

Source: Securitize

😂 A Little Blockchain Humor Break 🤣

Source: Crypto.com

Edition #89 of Blockchain & Web3 Weekly Bytes covered decentralized cloud rollouts on Filecoin, new guidance from the OCC on crypto fee management, Polygon’s fresh payment integrations, Aave’s savings app reveal, JPMorgan’s read on ETF selling, and New Hampshire’s Bitcoin-backed municipal bond.

✅ Trivia Answer: A) Ethereum

Ethereum continues to anchor the bulk of tokenized Treasury activity, holding the largest share of tokenized U.S. government debt across public chains.

Edition #90 will arrive the week after, on Saturday, December 6. See you then with more insights from Blockchain and Web3 Insights. Happy Thanksgiving!

Thank you,
Blockchain and Web3 Insights

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