As a judge at the 2025 NYU China–US Startup Competition, product leader and community builder Ryan Zhang brings a rare combination of Wall Street experience, Web3 insight, and public-interest focus to the next generation of founders. On November 22, 2025, from 1:00 to 9:00 p.m. in New York, founders from both China and the United States will gather at NYU for the 2025 NYU China–US Startup Competition. Among the judges is Ryan Zhang, a fintech and Web3 product leader whose career has been defined by one consistent theme: refining traditional financial systems and building the bridge to Web3 and decentralized finance, helping make the next generation of the U.S. financial infrastructure more open, resilient, and accessible. Only 15 judges being selected as the judges for this competition among more than 50 industry experts. Zhang was invited to serve on the judging panel and comment from a Web3 perspective, representing both his community initiative , BreakLine Society , and his non-profit venture , Arievia Foundation. His role is not to push every startup toward blockchain, but to evaluate how each team thinks about ownership, transparency, and interoperability in a digital economy that is rapidly being reshaped by Web3. “My lens is simple,” Zhang explains. “Who owns the value your product creates, and can your system be trusted at scale? Web3 is just one set of tools to answer that question—but a very powerful one.” Building Trust-Centric Finance in the U.S. Before stepping into the Web3 and non-profit arenas, Zhang spent years building products inside some of the most demanding environments in U.S. financial services. He worked as a product manager at USAA, the member-owned financial institution known for serving U.S. service members and their families. There, Zhang focused on digital banking experiences, collaborating with cross-functional teams to improve the reliability, clarity, and accessibility of core banking tools. Through these improvements, his work meaningfully supported U.S. veterans and active-duty military members and their families by helping them manage critical financial needs with greater confidence and ease. The work required meticulous attention to risk, compliance, and user experience—often for customers man’aging their finances across time zones and challenging circumstances. Later, Zhang joined Goldman Sachs as a Senior Product Manager, supporting a major U.S. consumer credit program in partnership with a leading technology company. Operating in a tightly regulated and highly visible environment, he helped design and improve large-scale payment and credit experiences used by millions of customers. Rather than emphasizing any single feature, Zhang highlights what these roles taught him about systems as a whole. “When you work inside regulated financial institutions, you learn that great UX isn’t enough,” he says. “The underlying rails—risk, compliance, operations, and data—have to be just as well designed. Otherwise, people get hurt when something goes wrong.” This grounding in trust, reliability, and consumer protection now shapes how he evaluates all forms of financial innovation, including Web3. It is also through this deep exposure to traditional finance that Zhang began to envision its next reform—recognizing how Web3 and decentralized finance could help address systemic risks like opaque processes, centralized points of failure, and limited user control by building more transparent, resilient, and user-owned financial rails. A Pragmatic Web3 Perspective: Beyond Hype and Speculation Zhang’s interest in Web3 did not come from speculation or trading. It came from seeing, firsthand, how difficult it can be to move money across borders, across platforms, and across different financial institutions. As stablecoins, tokenized assets, and on-chain payments began to mature, he recognized their potential to address real infrastructure problems—if built and governed responsibly. Over the past several years, Zhang has advised and collaborated with Web3 and fintech teams on topics such as: How stablecoins might reduce friction in cross-border payments and settlements. How to design risk and compliance frameworks for on-chain products by borrowing best practices from traditional finance. How to align user ownership and long-term incentives, instead of treating financial products purely as short-term growth engines. His approach is distinctly pragmatic: Web3, in his view, should be judged by whether it improves reliability, transparency, and access—not by how novel it sounds. “If the system becomes more fragile or more confusing for everyday users, that’s not progress,” Zhang says. “The bar should be higher, not lower, just because it’s new technology.” BreakLine Society: A Community for Responsible Innovation To take these conversations beyond conference rooms and closed meetings, Zhang founded BreakLine Society, a New York–based community that connects professionals from fintech, Web3, and creative industries. BreakLine organizes events, panels, and forums that focus on real-world applications of Web3 and financial technology—such as stablecoins, tokenization, and cross-border payments—rather than pure speculation. The community has brought together founders, product leaders, investors, and legal experts to discuss how to build systems that are both innovative and compliant. In these settings, Zhang often serves as moderator and curator, shaping dialogues that emphasize long-term value creation, regulatory awareness, and the social impact of financial infrastructure. Drawing on experience in both traditional finance and decentralized systems, he acts as a fluid bridge between institutional rigor and Web3 experimentation. He translates the constraints of regulation into constructive design principles and grounds emerging ideas in real-world financial needs. Arievia Foundation: Institutionalizing Public-Interest Work To give this public-interest work a more formal home, Zhang is in the process of building the Arievia Foundation, a non-profit platform dedicated to education, research, and ecosystem building at the intersection of finance and Web3. The foundation’s mission is threefold: Education – Create accessible content, workshops, and programs that demystify stablecoins, tokenization, and on-chain financial tools for students, professionals, and policymakers. Dialogue – Provide a neutral venue where industry, academia, and regulators can have detailed, technically informed conversations about the future of financial infrastructure. Impact Projects – Support initiatives that use Web3 tools to improve real-world outcomes—for example, by lowering cross-border remittance costs or improving transparency in financial aid and funding flows. By placing this work under a non-profit structure, Zhang aims to ensure that it is guided by public-interest goals, rather than short-term market cycles. Judging at NYU: Bringing a Web3 Lens to the Next Generation of Founders The 2025 NYU China–US Startup Competition is a natural extension of Zhang’s cross-border and cross-domain work. On November 22, 2025, at NYU in New York City, he will serve as a judge throughout the event day, evaluating finalist teams across sectors such as healthcare, education, entertainment, and AI-driven marketing. His unique contribution lies in how he applies Web3 principles even to startups that are not explicitly “crypto projects.” In practice, that means asking questions like: Who owns the data and value your platform generates? How do you build verifiable trust—through governance, transparency, or technology? Can your product interoperate with other systems, or is it a closed silo? What does long-term fairness look like for your users, partners, and ecosystem? Rather than pushing a specific technology, Zhang focuses on ownership, trust, and interoperability as universal design questions that will shape the next decade of innovation. “Whether you’re building in AI, healthcare, or education, you can’t ignore the question of who controls the infrastructure and the data,” he notes. “Web3 is part of that conversation, and I’m here to help founders think about it in a grounded, responsible way.” A Cross-Border, Cross-Disciplinary Bridge What makes Ryan Zhang stand out is not just his background in U.S. financial institutions or his knowledge of Web3 protocols. It is his consistent effort to bridge worlds: Between traditional finance and decentralized systems. Between China and the United States. Between commercial success and public-interest responsibility. As he steps onto the NYU stage as a judge and Web3 commentator, Zhang is less interested in predicting which startup will become the next unicorn and more interested in a deeper question: what kind of financial and digital infrastructure will we all have to live with in the years ahead? His answer, reflected in his work across fintech, community-building, and non-profit initiatives, is clear: it should be infrastructure that is transparent, interoperable, and ultimately built in service of people, not just markets.

PayPal Holdings, Inc. has officially submitted applications to the Federal Deposit Insurance Corporation (FDIC) and the Utah Department of Financial Institutions to establish a Utah-chartered industrial loan company (ILC), to be named PayPal Bank. This strategic move aims to secure a U.S. banking charter, allowing the digital payments giant to significantly expand its financial services, particularly small business lending, and reduce its reliance on third-party bank partners. This application is the culmination of years of planning and marks a major step in PayPal's evolution from a simple payment processor to a full-service financial platform. Rationale for Seeking an ILC Charter Obtaining an ILC charter would grant PayPal many of the powers of a full commercial bank, allowing it to function more efficiently and control key aspects of its financial offerings. The primary stated goal is to bolster its small business lending capabilities. PayPal has already provided access to over $30 billion in loans and working capital to small businesses globally since 2013, but currently does so through partners like WebBank. The ILC charter would allow PayPal to originate loans directly, strengthening its business, improving capital efficiency, and giving it greater control over credit risk and funding costs. This move toward greater vertical integration is key to its long-term strategy, as a charter would allow PayPal to offer merchant credit, merchant acquiring, and consumer savings products without relying on external bank partners whose business changes could potentially disrupt PayPal's services. If approved, PayPal Bank plans to offer interest-bearing savings accounts to customers, which would be eligible for FDIC insurance coverage. This allows PayPal to attract and hold customer deposits directly, securing a cheaper and more stable funding source than third-party arrangements. Finally, PayPal Bank would seek direct membership with major U.S. card networks for processing and settlement activities, complementing existing banking relationships while offering more control over transaction speed and cost. Structure and Regulatory Context An ILC is a state-chartered, bank-like lender that can accept deposits and make loans. Crucially, it can often be owned by non-bank commercial firms, unlike a conventional commercial bank. PayPal chose Utah, which has historically been accommodating to ILC applications from financial technology (fintech) firms, with other major fintechs, including Block Inc. (formerly Square Inc.), having successfully obtained Utah ILC charters. PayPal has named Mara McNeill, a financial services veteran and former President and CEO of Toyota Financial Savings Bank, as the president of the proposed PayPal Bank, signaling a serious commitment to regulatory compliance and banking expertise. This application comes at a time when the regulatory environment, particularly under the current administration, is showing a renewed openness to fintech companies seeking to integrate into the regulated banking system, although ILCs remain a point of regulatory debate due to their commercial ownership structure.

XRP has failed to sustain the critical $2.00 psychological and technical support level, with price action on December 16, 2025, confirming a breakdown below this key pivot. After weeks of tight consolidation and repeated rejections at the $2.10 resistance area, the selling pressure proved dominant, shifting the short-term technical structure to bearish. This move aligns with broader market caution driven by upcoming US economic data releases. Technical Breakdown and Near-Term Targets The loss of the $2.00 level triggers a bearish continuation signal, validating the descending structure that has contained the price since its peak earlier in the year. The $2.00 price point had acted as a major psychological floor and had bounced the price multiple times in recent weeks. Its conversion into a near-term resistance level now confirms a structural weakness. The immediate pressure is now on the next cluster of demand to halt the decline. The first strong demand zone is now projected to be between $1.90 and $1.95. This area aligns with the recent low-end of the consolidation range and has historically attracted buyers. Analysts view this as the new "line in the sand" for bulls. A clean daily close below $1.90, however, would represent a significant structural invalidation, leading to a much sharper decline. Should the $1.90 support fail, the next likely targets for sellers are the $1.82 to $1.88 zone, followed by the ultimate support area near  $1.75. Divergence: Institutional Inflows vs. Price Action The breakdown is paradoxical, as it occurs simultaneously with extremely strong institutional backing for the asset.The primary counter-narrative to the bearish chart is the continued, uninterrupted inflow into Spot XRP Exchange-Traded Funds (ETFs). Institutional money continues to accumulate XRP, viewing it as a long-term, structurally sound asset due to its regulatory clarity. However, this demand is largely being absorbed by Over-The-Counter (OTC) desks and long-term holders taking profit (whale distribution), preventing the buying pressure from translating into immediate spot price appreciation. This dynamic creates an "accumulation zone disguised as stagnation," where the long-term floor is raised by institutional buying, but short-term price remains vulnerable to exchange-based selling. The immediate-term outlook for XRP is now dominated by the $1.90 support level. A successful defense and bounce from this area would preserve the constructive, long-term accumulation pattern, while a decisive failure could trigger a cascade of liquidations down toward the $1.82 mark.

Delphi Digital, the influential crypto research and investment firm, has highlighted social trading and the broader concept of agentic finance (AI) as a major growth vector for the cryptocurrency market in its "Year Ahead for Markets 2026" report. The firm views the intersection of social networking, automated trading, and decentralized finance (DeFi) as a pivotal trend for the next cycle, predicting a shift from individual decision-making to a collective, automated process. The Agentic and Social Trading Revolution Delphi Digital's analysis suggests that the core friction points in crypto—complexity, information overload, and the need for constant monitoring—will be solved by the increasing sophistication of platforms that allow users to copy, pool, and automate strategies, ushering in the era of Agentic Finance. A key component of Delphi's thesis is the emergence of "Agentic Finance," which involves specialized AI agents or bots that perform on-chain tasks autonomously, such as maximizing yield, rebalancing portfolios, or executing complex strategies. The prediction is that these AI agents will automate capital allocation and financial operations, fundamentally changing how passive and active investors interact with DeFi protocols. Social trading, which allows users to replicate the positions of experienced or "leader" traders (via copy trading or mirror trading), is seen as the primary vehicle for onboarding the next wave of retail users. The global market for social trading platforms is already projected to grow significantly, driven by a younger demographic that favors collaborative and digital tools. Delphi believes decentralized protocols that facilitate this type of seamless strategy sharing will capture immense value by tokenizing trading strategies or portfolios, allowing users to invest in a basket of trades managed by a verified expert, often without ever leaving the blockchain environment. 2026 Macro Outlook and Structural Growth Delphi Digital's prediction for social trading growth is framed within a generally bullish macro outlook for 2026, driven by an expected pivot in global monetary policy, moving away from liquidity withdrawal and elevated policy rates. The firm argues that 2026 marks a "critical inflection point." An expected shift to a looser policy environment, driven by the Federal Reserve potentially lowering interest rates and ending quantitative tightening, is forecast to create a net positive liquidity environment—the first since early 2022. This liquidity injection is the macro catalyst expected to fuel a recovery and attract significant investor attention, including into the specialized sectors like social trading. Delphi cautions that the 2026 growth period will not be the "euphoric boom of past cycles" but rather a "compounding buildout of a global, programmable financial layer." This new phase is anchored by structural factors like clearer regulatory frameworks, institutional adoption (including the ongoing Bitcoin ETF flywheel), and the practical implementation of tokenization. The firm believes this strong foundation will lead to milder corrections and a more sustainable, if less explosive, upward trajectory. Social and agentic trading relies heavily on decentralized finance, and Delphi predicts that DeFi's Total Value Locked (TVL) could surge as infrastructure improves and user experiences become simpler, creating the foundational liquidity and protocols required for complex automated strategies to thrive at scale.

Nasdaq has taken the first formal step toward establishing near round-the-clock trading for U.S. stocks and Exchange-Traded Products (ETPs), following a surge in global investor demand for American equities. The exchange submitted a proposal with the U.S. Securities and Exchange Commission (SEC) on Monday, December 15, 2025, to expand its trading hours from the current 16 hours a day to 23 hours a day, five days a week (5x23 model). This move is a direct response to the globalization of financial markets, the always-on nature of crypto trading, and competitive pressure from rival exchanges that are also extending their hours. The New 23/5 Trading Schedule Under the proposed new structure, which Nasdaq targets for a rollout in the second half of 2026, the trading week would effectively be near-continuous, with only a brief daily pause for maintenance. The trading week would start on Sunday at 9:00 p.m. Eastern Time (ET) and end on Friday at 8:00 p.m. ET after the day session. The 23-hour trading day would be divided into two main sessions. The Day Session would run from 4:00 a.m. to 8:00 p.m. ET, which already incorporates the current pre-market, regular market (9:30 a.m. to 4:00 p.m.), and post-market hours. This would be followed by a One-Hour Maintenance Break from 8:00 p.m. to 9:00 p.m. ET for essential maintenance, system testing, and trade clearing. Finally, the Night Session would operate from 9:00 p.m. to 4:00 a.m. ET the following calendar day, with trades executed between 9 p.m. and midnight being accounted for as part of the following calendar day's trading. Market Rationale and Industry Alignment Nasdaq's decision is driven by both strategic competition and meeting overwhelming global market demand. The U.S. stock market represents almost two-thirds of the world's listed company value, and the new 23/5 schedule directly addresses the need of international investors, whose total foreign holdings of U.S. equities reached $17 trillion last year, to access U.S. stocks during their business hours. This filing follows similar plans and initial approvals for extended hours from rivals like the New York Stock Exchange (NYSE) and Cboe Global Markets. Furthermore, the successful rollout is contingent on key industry infrastructure upgrades. The U.S. Depository Trust and Clearing Corporation (DTCC), which handles clearing, has submitted its plan to begin clearing equity trades 24 hours a day, five days a week by the second quarter of 2026, which is critical for supporting the continuous trading model. The extension is expected to allow for faster, more efficient price discovery by allowing the market to react quicker to global news and earnings reports released outside the current six-and-a-half-hour trading window. However, this also presents risks, as lower liquidity during the overnight "Night Session" typically increases volatility and widens bid-ask spreads for participants.

Aster, the performance-driven on-chain trading platform, has announced the launch of Shield Mode, a newly developed protected trading environment integrated directly into Aster Perpetual. This feature marks a significant step in solving the challenge of "toxic order flow" in decentralized finance (DeFi), specifically targeting the issues of front-running and visible trading strategies that plague fully transparent on-chain markets. Enhancing Discretion and Performance for Traders Shield Mode is designed to bring the full high-leverage trading experience of Aster Perpetual into a single, discreet interface, catering primarily to professional and advanced traders. The core motivation behind Shield Mode is to offer greater control, discretion, and protection for trading intent. While Aster previously introduced Hidden Orders to mask order price and size, Shield Mode extends this principle by offering a fully protected trading mode that removes the need for traders to interact with a public order book altogether. This means traders can execute complex, high-volume strategies without being forced to broadcast their moves to the market, drastically reducing the vulnerability to front-running and MEV (Maximal Extractable Value) attacks. Shield Mode streamlines the trading workflow by allowing users to open and manage long or short positions within a single account structure, eliminating fragmented cross-chain processes and repetitive on-chain transaction signing. This results in a smoother, faster, and more controlled trading experience that preserves the core advantages of Aster's high-leverage model. Crucially, the platform’s core features remain intact, including up to 1001x leverage for major assets like BTC and ETH, zero slippage, and no opening fees. Furthermore, Shield Mode enhances efficiency by eliminating closing fees and gas costs entirely, setting a new benchmark for cost-efficient on-chain perpetual trading. Flexible Fee Structures and Future Vision Alongside improved protection and performance, Shield Mode introduces the foundation for a more flexible approach to trading costs. In upcoming updates, Aster plans to allow users to choose between two distinct fee models. Commission Mode is a transparent fixed percentage fee per trade, designed to suit consistent and high-volume trading strategies. Alternatively, PnL Mode is a performance-based structure where fees are only charged on profitable trades, offering traders greater control over costs aligned with their risk profiles. To mark the launch, all fees associated with Shield Mode will be waived until the end of the year. The CEO of Aster noted that Shield Mode reflects the belief that the future of on-chain trading is about control and protection, not just leverage and speed, positioning Aster as a leading competitor in the evolving high-performance decentralized finance space.

KuCoin and production studio Casual Films were among the standout winners at the 2025 Vega Digital Awards, picking up four Platinum awards and one Gold for a brand film featuring professional golfer Adam Scott. The Vega Awards, now in their tenth year, attracted more than 1,200 entries this season from companies and agencies across multiple industries. Winners were selected through blind judging by an international panel of senior creatives and marketing professionals. The KuCoin film was recognized for its restrained storytelling and strong visual execution. Rather than leaning into fast-paced crypto marketing, the campaign focused on themes that cut across both professional sport and finance: discipline, trust, and consistency under pressure. Why this campaign stands out Crypto advertising has often relied on hype, big promises, and short-term narratives. This project took a different route. The film avoids explaining products or pushing features. Instead, it draws a parallel between elite athletic performance and the mindset required to navigate financial markets responsibly. That approach reflects a broader shift happening across the crypto sector. As regulation tightens and institutional participation grows, exchanges are under pressure to communicate stability rather than speed. KuCoin’s decision to anchor its message around Adam Scott — a player known for longevity and precision — fits that change in tone. The timing also matters. The film launched alongside KuCoin’s expanding regulatory presence in Australia, where the company recently secured registration as a Digital Currency Exchange provider with AUSTRAC. Together, the campaign and the regulatory milestone reinforce the same message: long-term credibility over short-term noise. Investor Takeaway Brand messaging across crypto is maturing. Campaigns that emphasize trust and discipline often signal a shift toward regulated and institutional markets. Industry reaction and creative execution Casual Films developed the project in close collaboration with KuCoin, focusing on clarity and tone rather than spectacle. The result is a film that feels closer to a premium financial brand campaign than a typical crypto ad. According to Casual Films’ Executive Producer and Creative Director Thomas J Elliott, the creative direction was driven by a desire to connect the mental discipline of elite sport with the operational reliability KuCoin aims to represent. This year’s Vega Awards included entries from global brands and institutions spanning travel, education, and consumer goods. KuCoin’s recognition places it alongside companies investing in longer-form, story-led brand communication — an area where crypto firms have historically lagged behind. Momentum beyond the awards The campaign gained additional visibility thanks to Adam Scott’s recent competitive form. In the weeks surrounding the awards announcement, Scott secured a win at the Cathedral Invitational and posted strong finishes at the Australian PGA Championship and the Crown Australian Open. While the results were not part of the campaign itself, they reinforced the narrative the film set out to tell: consistency over time matters more than momentary spikes. For KuCoin, the awards recognition adds another layer to its ongoing repositioning. As exchanges compete for trust in increasingly regulated environments, independent validation — whether from regulators or creative institutions — plays a growing role in shaping perception. Investor Takeaway Independent awards don’t move markets, but they do reinforce brand credibility — especially as crypto firms court institutional and regulated audiences. What comes next The Vega Awards win won’t change KuCoin’s business overnight. But it highlights how the exchange is choosing to communicate as the industry matures. If the broader trend continues, expect more crypto firms to invest less in aggressive promotion and more in messaging built around reliability, governance, and long-term performance. For KuCoin, the recognition is less about celebration and more about alignment — between brand, regulation, and the direction digital asset markets are heading.  ? Vega Awards – KuCoin Brand Film by Casual Films

What Triggered Bitcoin’s Drop Below $87,000? Bitcoin fell under $87,000 on Monday as a wave of sell orders hit the market shortly after Wall Street opened, triggering more than $200 million in liquidations of BTC longs. Data from Cointelegraph Markets Pro and TradingView captured a sharp move lower, with BTC reaching $86,625 during the session. The pullback followed several days of uneven trading, and traders noted that distribution began accelerating once U.S. equity markets resumed activity. Market participants pointed to Binance and Wintermute as notable sources of sell pressure. CoinGlass data showed that long liquidations surpassed $200 million within barely an hour — one of the more aggressive wipeouts in recent weeks. The sudden move reset bullish sentiment heading into the final stretch of the year. Many traders who had already turned defensive saw nothing in the charts to suggest an immediate recovery. The tone across trading desks leaned toward expecting fresh lows before the market stabilizes. Investor Takeaway Rapid liquidations and thin spot demand continue to drive sharp intraday swings. Traders watching short-term floors warn that deeper tests remain likely before a durable rebound forms. How Are Traders Reading the Current Price Action? Short-term traders described the move as a continuation of the choppy structure that has dominated the market in recent weeks. Roman, a trader active on X, noted that selling interest was noticeable but not overwhelming. “My only issue now is selling volume isn’t very high so we will likely catch another bounce around 84k,” he wrote. At the same time, he said lower levels remain likely: “Even if we bounce, I still believe we get to 76k in due time.” Others reviewing liquidity placement saw the move as part of a broader pattern. Daan Crypto Trades called the current environment a “massive liquidity hunt,” adding that he expects “more bart moves all over,” referring to chart formations where price surges or drops only to return to the starting level soon after. Some traders kept a more constructive medium-term view. AlejandroBTC pointed out that the market had been trapped in a range since early December, and the latest break lower may simply clear out remaining stops. “We finally broke the range that’s been forming since early December. This tells me we’re going to sweep the next set of lows still operating inside a larger range,” he wrote. He added, “Nothing has changed. Direction is unclear short-term, but I still expect a test of 100K–105K once this range resolves.” Did Strategy’s Latest BTC Purchase Affect Market Sentiment? Adding to the timing of the downturn, Strategy — the public company known for holding the world’s largest corporate Bitcoin position — disclosed another major purchase. A filing with the U.S. Securities and Exchange Commission showed that the firm bought 10,645 BTC at an average price of $92,098 per coin. The news hit as the market was already moving lower, and some traders complained that prior buying announcements have coincided with near-term volatility. Strategy’s accumulation has been a recurring talking point throughout the year, especially during periods when market structure is fragile. On-chain analysts argued that the broader pattern is more important than the reaction around the filing. One analyst, posting under On-Chain College, said futures data supports the view that a base is slowly forming. “As expected, the premium that Bitcoin longs are paying shorts on leveraged trades reversed at the top of the descending pattern that we've seen since July,” the post said. “This chart suggests a bottom is being ironed out but a further drop in both price and funding rates is expected first.” Investor Takeaway Price is still searching for a clean bottom. Futures funding, liquidity clusters and recent range breaks all point to more downside tests before large buyers regain control. What Comes Next as Bitcoin Heads Toward Year-End? Bitcoin’s failure to hold above $90,000 last week set the stage for this slide, and the market continues to flip between supply-driven sell-offs and brief intraday recoveries. The recent break of the early-December range has traders watching levels in the mid-$80,000s and high-$70,000s as areas where liquidity may consolidate. While long-term sentiment remains intact for many, especially those targeting six-figure levels after the current structure resolves, trading conditions into the new year remain volatile. Funding rates, order-book imbalances and liquidations continue to drive short windows of sharp movement. The next clean signal, traders say, will come from whether spot demand returns once leverage resets. For now, the market sits at a crossroads: deep enough into a correction to unsettle longs, but not yet at levels that have attracted strong dip-buying. The next few sessions will determine whether Bitcoin stabilizes around the mid-$80,000s or continues to hunt for lower liquidity pockets before attempting a recovery.

What Did Circle Acquire—and Why Now? Circle has acquired Interop Labs team members and proprietary technology, bringing the initial developers behind the Axelar Network into the stablecoin issuer’s engineering ranks. CEO and co-founder Sergey Gorbunov will also join Circle, according to a spokesperson. The company said, “Interop Labs’s engineering and product teams represent some of the brightest minds in the industry, including CEO and Co-founder Sergey Gorbunov.” Circle noted that the acquisition is tied to its effort to make digital assets issued on Arc interoperable across multiple blockchains. The company did not disclose financial terms but said the deal is expected to close early next year. The move expands its in-house capability to create uniform settlement pathways between chains—an area that has become increasingly important as stablecoin usage grows across different networks. Nikhil Chandhok, Circle’s Chief Product and Technology Officer, said, “Circle is committed to supporting interoperability with many onchain networks, just as we have with USDC, CCTP, and other blockchain infrastructure products from Circle.” Investor Takeaway Circle is strengthening its control over cross-chain tooling, a key component for stablecoins meant to function across multiple networks. The acquisition deepens its long-term infrastructure stack rather than expanding into new products. How Does This Impact Axelar and Interop Labs? Circle clarified that its acquisition does not include Axelar’s open-source IP. A spokesperson said, “The IP we're acquiring is specific to Interop Labs's proprietary technology. It does not include the open source IP, which will be transitioned to Common Prefix.” Common Prefix will take over the responsibilities previously handled by Interop Labs. Gorbunov said, “Axelar continues as an open-source innovator, and we are working closely with the Common Prefix team to ensure continuity and long-term support.” Axelar’s core technology—built for cross-chain messaging, routing and asset movement—remains community-driven. Earlier this year, the Axelar Foundation reported selling $30 million worth of AXL tokens to support the network’s development and operational runway. By separating acquired proprietary technology from Axelar’s open-source stack, both Circle and Axelar aim to avoid friction within developer ecosystems while still enabling collaboration where needed. Axelar maintains its own governance and roadmap independent of the Circle acquisition. Why Interoperability Is Becoming a Priority for Stablecoin Issuers The acquisition comes at a moment when stablecoin issuers are racing to reinforce their infrastructure ahead of major U.S. regulatory changes. Congress recently approved a legislative framework that outlines disclosure, reserve and issuance rules for dollar-pegged tokens, paving the way for expanded use by financial institutions and fintech platforms. Ripple, another U.S. stablecoin issuer, announced an expansion to Layer 2 networks on Monday in its own bid to improve cross-chain utility. Both companies are working to ensure that their tokens can move through different ecosystems without friction, especially as payment rails, trading venues and custody systems adopt multi-chain operations. Stablecoins increasingly operate across a growing network of chains including Ethereum, Solana, Avalanche, Base, Arbitrum and Cosmos-aligned environments. For issuers, ensuring consistent minting, redemption and settlement logic across these networks is turning into a core competitive factor. Investor Takeaway Cross-chain reliability is now a key battleground for stablecoin issuers. Circle’s acquisition focuses on internal engineering depth rather than market expansion, indicating where the infrastructure race is headed. What Comes Next for Circle and Arc? Circle’s plan is to make digital assets issued on Arc compatible across numerous blockchains through native transport rather than wrapped or bridged forms. The company’s past infrastructure work — including USDC’s multi-chain expansion and the Cross-Chain Transfer Protocol (CCTP) — hints at how Arc may integrate into broader settlement flows. The acquisition also reflects Circle’s intent to rely less on third-party cross-chain systems and build more of its tooling internally. Folding in Interop Labs engineers gives Circle direct access to a team that has written production-grade interoperability code for one of the largest networks designed for chain-to-chain messaging. Circle said the acquisition will close early next year, after which integration of personnel and technology will begin. Axelar, meanwhile, continues under the stewardship of Common Prefix, which now oversees the open-source components and development process. As stablecoin networks spread across more chains and more jurisdictions, the divide between proprietary infrastructure and open-source connectivity is becoming more important. Circle’s acquisition adds engineering firepower, while Axelar’s transition keeps the network’s governance outside any single corporate entity.

Markets face Fed uncertainty: cautious post-cut signals clash with aggressive easing bets, data-driven outlook, while geopolitical risks and weaker dollar support gold. The Federal Reserve's Mixed Policy Stance and Rate Cut Expectations The financial markets are currently grappling with significant uncertainty regarding the Federal Reserve's future monetary policy, particularly following its recent interest rate cut. This environment is characterized by mixed signals from Fed officials and a divergence between the central bank's cautious outlook and market expectations for future easing. While the Fed recently reduced rates, Chair Jerome Powell indicated a "wait-and-see" approach, hinting at a potential pause in the easing cycle to allow the economy to absorb the recent cuts. However, internal debate is evident: the views of policymakers range from the uber-dovish Governor Stephen Miran, who advocates for a faster pace of cuts and believes underlying inflation is already near the 2% target, to more cautious perspectives like New York Fed President John Williams, who stressed the critical need to return inflation to the 2% goal. Despite the Fed's caution, money markets are aggressively pricing in 50 basis points of easing toward the end of 2026, signaling a strong market expectation for further policy accommodation. Focus on Upcoming US Economic Data A crucial element driving market activity is the heavy focus on the US economic calendar this week, with upcoming releases expected to significantly shape expectations around the Fed’s policy path into 2026. The most anticipated reports are the delayed Nonfarm Payrolls (NFP) for October and November, which will provide vital clarity on the labor market's health. Additionally, key data points include Retail Sales, offering insight into consumer strength, and the preliminary S&P Flash PMIs, gauging business activity. Later in the week, the release of Initial Jobless Claims and updated inflation figures (CPI) will further contribute to the policy debate. The market is keenly watching these figures; for instance, a weaker-than-expected labor market reading would likely reinforce expectations for more aggressive rate cuts, thereby directly impacting the US Dollar and asset valuations, including Gold. Safe-Haven Demand for Gold Amid Global Uncertainty Gold is currently finding strong support, extending its advance as a premier safe-haven asset amid a backdrop of global uncertainty. This support stems from two main factors: persistent geopolitical tensions (such as the stalled Russia-Ukraine peace talks) and concerns over a broadening economic slowdown in China. The slower-than-expected growth in Chinese industrial output and retail sales has reinforced risk-averse sentiment across global markets, underpinning demand for the yellow metal. Furthermore, Gold's inverse correlation with the US Dollar is playing a significant role; the continued softness and pressure on the Greenback following the Fed's rate cut make the dollar-denominated metal relatively cheaper and more attractive. This fundamental support is amplified by robust demand from Central Banks and steady inflows into Gold-backed Exchange-Traded Funds (ETFs), collectively providing a strong tailwind that helps Gold maintain its upward bias despite technical resistance. Top upcoming economic events: Tuesday, December 16, 2025 Tuesday is dominated by crucial labor market and consumer spending data from the United Kingdom and the United States, followed by a central bank speech. Claimant Count Change, Employment Change (3M), and ILO Unemployment Rate (3M) on 12/16/2025 07:00:00 (GMT) (HIGH Impact, GBP): These reports collectively provide a comprehensive assessment of the UK's labor market. Healthy employment figures and a low unemployment rate can fuel expectations of tighter monetary policy from the Bank of England (BoE), which is typically supportive of the British Pound. Nonfarm Payrolls and Retail Sales (MoM) on 12/16/2025 13:30:00 (EST) (HIGH Impact, USD): Nonfarm Payrolls is one of the most closely watched US economic indicators, measuring job changes and driving expectations for Federal Reserve policy. Retail Sales gauges consumer spending, which accounts for the majority of US economic activity. These two reports are key drivers for the US Dollar. BoC's Governor Macklem speech on 12/16/2025 17:45:00 (EST) (HIGH Impact, CAD): As the head of the Bank of Canada, Governor Macklem's speeches are closely monitored for any guidance on the future direction of Canadian monetary policy, particularly following the inflation data released earlier in the day. Wednesday, December 17, 2025 Mid-week is highlighted by key inflation data from the UK and growth data from New Zealand. Consumer Price Index (YoY) and Core Consumer Price Index (YoY) on 12/17/2025 07:00:00 (GMT) (HIGH Impact, GBP): Similar to the Canadian data, these reports are the primary measures of UK inflation. They are critical for the BoE in determining whether price pressures are stabilizing or require further intervention, creating significant movement in the GBP. Gross Domestic Product (QoQ) and Gross Domestic Product (YoY) on 12/17/2025 21:45:00 (NZST) (HIGH Impact, NZD): GDP is the broadest measure of economic activity and health for New Zealand. Stronger-than-expected growth can increase the likelihood of the Reserve Bank of New Zealand (RBNZ) raising rates, which is usually positive for the New Zealand Dollar. Thursday, December 18, 2025 Thursday is the most impactful day of the week, with three major central bank rate decisions. BoE Interest Rate Decision on 12/18/2025 12:00:00 (GMT) (HIGH Impact, GBP): This is the Bank of England's decision on the benchmark interest rate. Changes to the rate, or shifts in the forward guidance provided in the accompanying statement (BoE Monetary Policy Summary), have an immediate and substantial impact on the GBP. ECB Main Refinancing Operations Rate on 12/18/2025 13:15:00 (CET) (HIGH Impact, EUR): The European Central Bank's decision on its main policy rate, followed by the ECB Press Conference (13:45 CET, HIGH Impact), is the main driver for the Euro. Changes or guidance on future rates directly affect borrowing costs across the Eurozone and thus the value of the EUR. Consumer Price Index (YoY) and Consumer Price Index ex Food & Energy (YoY) on 12/18/2025 13:30:00 (EST) (HIGH Impact, USD): This is a second set of critical US inflation data for the week. High inflation figures fuel expectations of interest rate hikes from the Federal Reserve, which generally strengthens the US Dollar. Friday, December 19, 2025 The week concludes with a key decision from the Bank of Japan and major consumer data from the UK. BoJ Interest Rate Decision on 12/19/2025 03:00:00 (JST) (HIGH Impact, JPY): The Bank of Japan's decision on its interest rate, which has historically been kept near zero or in negative territory, is a major event for the Japanese Yen. Any unexpected change or signal of a shift in its ultra-loose monetary policy would lead to immense market volatility. The subsequent BoJ Press Conference (06:30 JST, HIGH Impact) is also crucial. Retail Sales (MoM) on 12/19/2025 07:00:00 (GMT) (HIGH Impact, GBP): This figure measures the total value of sales at the retail level in the UK. It is a vital indicator of consumer confidence and spending, which is a major component of the British economy, making it a high-impact release for the GBP. The subject matter and the content of this article are solely the views of the author. FinanceFeeds does not bear any legal responsibility for the content of this article and they do not reflect the viewpoint of FinanceFeeds or its editorial staff. The information does not constitute advice or a recommendation on any course of action and does not take into account your personal circumstances, financial situation, or individual needs. We strongly recommend you seek independent professional advice or conduct your own independent research before acting upon any information contained in this article.

What Does Anchorage Gain From Acquiring Securitize For Advisors? Anchorage Digital has acquired Securitize’s wealth management arm, Securitize For Advisors (SFA), giving the first federally chartered crypto bank a direct expansion into advisory-focused digital asset services. The terms were not disclosed, but Anchorage will take on the SFA team and front-end platform, consolidating a unit that was already tightly integrated with Anchorage custody. The acquisition arrives after a year of rapid growth for SFA. The platform grew more than 4,500% and hit new highs in deposits and net assets under management, helped by a more permissive U.S. regulatory climate. A major shift came this summer when President Donald Trump signed an executive order allowing digital assets to be included in retirement accounts, opening the door for registered investment advisors to offer crypto-linked positions inside long-term portfolios. Anchorage CEO Nathan McCauley framed the move as a way to strengthen the company’s position with advisory firms. “RIAs are driving one of the most important waves of crypto adoption. By bringing together Anchorage Digital’s federally regulated custody platform with SFA’s technology and expertise, we’re building the premier solution for wealth managers and their clients,” he said. Investor Takeaway With SFA already placing 99% of its assets in Anchorage custody, the acquisition turns an existing relationship into a unified wealth management pipeline for tokenized products and onchain funds. Why Securitize Sold the Unit Now Securitize, the leading tokenization platform and the issuer of BlackRock’s BUIDL onchain Treasurys product, is preparing to go public through a SPAC merger at a $1.25 billion pre-money valuation. The sale of SFA is part of a refocus on core products — token issuance, distribution and the infrastructure behind institutional onchain investing. Securitize CEO Carlos Domingo called SFA “an incredible success story,” but said the divestment allows the company to concentrate on the business lines that define its identity. Founded in 2017, Securitize has built out a portfolio of issuer services, regulated digital funds, and tokenization rails for large financial institutions. Its advisory product, while fast-growing, sits outside that core mission. The move also reduces overlap between Securitize and Anchorage. SFA already relied on Anchorage for custody, with 99% of assets stored there prior to the acquisition. Consolidating the unit under Anchorage eliminates duplicated work and gives Securitize a cleaner structure as it heads toward a public listing. How This Reshapes the RIA Market for Digital Assets Anchorage has been expanding its RIA offerings since 2023, when it launched custody and settlement services built specifically for advisory firms. Securitize subsidiary Onramp Invest became one of the first users, helping advisors access tokenized products for clients through regulated infrastructure. Bringing SFA fully under Anchorage strengthens that strategy. RIAs often face barriers — custody, compliance, reporting, and product access — that prevent them from offering crypto exposure even when clients request it. Anchorage, as a federally regulated bank, can provide tools that traditional custodians cannot, including storage of tokenized assets, settlement for onchain funds, and access to products issued on Securitize rails. The timing also aligns with changing U.S. policy. Recent regulatory moves have encouraged experimentation in tokenized markets, retirement accounts, and advisory services. These adjustments have pushed RIAs closer to incorporating digital assets into mainstream allocation models. Investor Takeaway Anchorage now controls both the custody back-end and the advisor-facing front-end, giving it a stronger foothold as tokenized Treasurys, stablecoins and digital funds gain traction among wealth managers. Where This Fits Into Anchorage’s Broader Growth Plans Anchorage remains best known for custody, but the firm has been widening its reach. It has supported launches of regulated stablecoins such as Tether’s USAT and OSL Group’s USDGO, while building infrastructure for institutional clients seeking compliance-grade storage for tokenized assets. Absorbing SFA extends that arc by giving Anchorage a larger presence in wealth management — a segment that is quickly becoming a major driver of crypto adoption. RIAs represent a bridge between retail investors and institutional custodians, and their demand for regulated digital asset products has risen as tokenized Treasurys and onchain income products gain credibility.

WTI crude oil can be expected to fall further to the next strong support level 56.00 (which has been reversing the price from April).   WTI crude oil broke key support level 57.20 Likely to fall to support level 56.00 WTI crude oil recently broke the key support level 57.20 (which stopped the previous minor impulse wave I at the end of November, as can be seen from the daily WTI chart below). The breakout of this support level accelerated the active impulse waves iii and 3, which belongs to the sharp intermediate impulse wave (3) from the end of June. The price is currently falling inside the daily down channel from the end of October. The price earlier reversed down from the round resistance level 60.00 – which started the active impulse wave iii. Given the strong daily downtrend and the bearish WTI crude oil sentiment that can be seen across the global crude oil markets today, WTI crude oil can be expected to fall further to the next strong support level 56.00 (which has been reversing the price from April) [caption id="attachment_177172" align="alignnone" width="800"] WTI crude oil Technical Analysis[/caption] The subject matter and the content of this article are solely the views of the author. FinanceFeeds does not bear any legal responsibility for the content of this article and they do not reflect the viewpoint of FinanceFeeds or its editorial staff. The information does not constitute advice or a recommendation on any course of action and does not take into account your personal circumstances, financial situation, or individual needs. We strongly recommend you seek independent professional advice or conduct your own independent research before acting upon any information contained in this article.

What Is Behind Russia’s $230 Billion Lawsuit? Russia’s central bank has filed a lawsuit in Moscow seeking $230 billion in damages from Euroclear, escalating a confrontation over the EU’s plan to use frozen Russian reserves to support Ukraine. The case, lodged with Moscow’s Commercial Court, demands 18.2 trillion roubles — the full value of the assets frozen in Europe since Russia’s 2022 invasion. Euroclear, the Belgium-based depository that holds most of the immobilized reserves, did not respond to requests for comment. Legal specialists expect the Russian court to issue a quick ruling in favour of Moscow, though enforcement outside Russia remains uncertain. EU leaders recently agreed to freeze the assets indefinitely and use proceeds to back a loan for Ukraine’s military and civilian needs in 2026 and 2027. Brussels argues the move is necessary to support Kyiv and deter future aggression. Moscow rejects that claim and says the EU has no legal basis to use sovereign funds in this way. Investor Takeaway The lawsuit opens a new front in the fight over frozen Russian reserves. If Moscow pursues enforcement abroad, Euroclear and global custodians could face cross-border legal exposure in “friendly” jurisdictions. How Is Russia Responding to the EU’s Plan? Russian officials have repeatedly warned the EU that using its sovereign reserves amounts to theft and could undermine confidence in the euro and global custodial systems. President Vladimir Putin’s investment envoy Kirill Dmitriev told Reuters: “What rational investor will hold its securities in Euroclear, in euro or in the EU, if they understand that their property rights are not respected and their assets can be taken away under any pretext.” Russia’s central bank said the EU plan is illegal and vowed to challenge it in “national courts, judicial authorities of foreign states and international organizations, arbitral tribunals and other international judicial instances.” The statement shows Moscow preparing for a broad, multi-jurisdiction fight if Europe proceeds. Earlier, Russia warned it could retaliate by seizing the holdings of European private investors inside Russia, raising concerns that the dispute could spill into broader financial markets. Could Russia Enforce a Court Ruling Outside Its Borders? The lawsuit itself is only the first step. The critical question is whether Russia could enforce a domestic court ruling abroad. According to Gleb Boyko of NSP law firm, “The Bank of Russia may attempt to enforce a Russian court's decision against Euroclear in China, Hong Kong, the UAE, Kazakhstan and other friendly jurisdictions, if such assets can be identified.” Such actions would put third countries in a difficult position, balancing strategic ties with Russia against the risk of disrupting links to European markets. For Euroclear, the risk is not only the headline lawsuit but the possibility of asset freezes or legal challenges in multiple jurisdictions. Europe’s banking sector has voiced caution. Several institutions warned that seizing sovereign reserves sets a dangerous precedent that could weaken trust in Western custody systems, particularly among large reserve holders that rely on them for cross-border settlement. Investor Takeaway The confrontation could reshape how states store foreign reserves. If investors believe assets can be frozen or redirected in geopolitical disputes, custody choices may shift toward neutral jurisdictions. Why Is the EU Plan Controversial? A 2024 paper by Sweden’s Riksbank noted that seizing the reserves of a belligerent state to aid a third country during an active conflict would be unprecedented. The EU proposal also conflicts with parts of a U.S.-linked peace framework that floated dividing the assets between Ukraine reconstruction and a future investment vehicle shared by the United States and Russia. Dmitriev described the European plan as “a blow to the international reserves system created by the United States.” His remark highlights one of Russia’s key arguments: that the structure of post-war global finance relies on the expectation that sovereign assets remain protected even in periods of conflict. The EU, however, faces pressure to deliver long-term funding for Ukraine as the war drags on and U.S. support becomes less predictable. Redirecting Russian interest income — and potentially the principal — has been framed by European officials as both a practical tool and a form of accountability. With Russia now escalating the dispute through its court system, both sides are preparing for a prolonged legal and political fight with consequences for global reserves, custodians and cross-border settlement networks.

A leadership change with a clear message Cronos Labs has named Ryan Wyatt as its new Chief Executive Officer, marking a decisive moment for the Crypto.com-backed blockchain. The appointment brings in an executive with a long track record in building consumer platforms, scaling ecosystems, and turning communities into durable businesses—experience that Cronos is now leaning on as it rethinks its direction. Wyatt arrives after several years at the center of crypto infrastructure growth. Most recently, he served as Chief Growth Officer at Optimism, where he worked on expanding the OP Stack ecosystem and helping onboard major players such as Kraken, Uniswap, Sony, and Worldcoin. Before that, he was President at Polygon Labs, focused on ecosystem development and enterprise adoption during a period of rapid Layer 2 expansion. His background extends well beyond crypto. Wyatt spent seven years at YouTube, where he helped turn YouTube Gaming from an internal experiment into a major revenue-generating vertical by working closely with creators, publishers, and advertisers. That mix of platform strategy and user-centric thinking now sits at the core of Cronos’ next phase. Why Cronos is changing its playbook Wyatt’s first public remarks as CEO left little room for ambiguity. In his view, competing as a general-purpose Layer 1 no longer makes sense. Instead, Cronos will shift toward a product-led model built around first-party financial applications that run on its own chain and are distributed directly through Crypto.com. Rather than relying solely on third-party developers to drive activity, Cronos Labs plans to own and operate flagship DeFi products. These apps will be designed to generate fees, attract consistent usage, and feed value back into the ecosystem through CRO buy-and-burn mechanics. The goal is straightforward: turn network activity into measurable, recurring revenue. This pivot reflects a broader reality across the crypto market. As capital becomes more selective, Layer 1s are increasingly judged on fundamentals rather than narratives. Usage, fees, and retention now matter more than raw ecosystem counts. Cronos’ close relationship with Crypto.com gives it a built-in distribution channel—one that Wyatt appears intent on using more aggressively. Investor Takeaway Cronos is shifting from ecosystem growth by association to direct value capture. If successful, CRO demand becomes more closely tied to real product usage rather than speculative adoption. How this strategy stacks up against other chains Cronos’ new direction sets it apart from many Layer 1 and Layer 2 networks that position themselves purely as neutral infrastructure. While ecosystems like Ethereum and its rollups emphasize modularity and developer freedom, Cronos is choosing a more opinionated route—building core products in-house while remaining open to external developers. This approach carries trade-offs. Owning first-party applications allows for tighter integration, better user experience, and faster iteration. At the same time, it places execution risk squarely on the protocol’s leadership. Success will depend less on abstract network effects and more on whether Cronos can ship products users actually want to use. Wyatt’s career suggests that this is a deliberate bet. His experience at YouTube and in crypto growth roles has consistently centered on turning complex systems into accessible products. Cronos is effectively positioning itself as a DeFi product company that happens to run its own chain, rather than a chain waiting for its breakout app. What to expect in the months ahead Alongside the CEO announcement, Cronos Labs confirmed plans to hire a Chief Product Officer and a Head of Business Development and Partnerships. These roles are expected to focus on execution—shipping applications, forming strategic integrations, and accelerating distribution through Crypto.com’s global footprint. The company has also signaled that multiple product launches and partnerships are in the pipeline. While specifics have not yet been disclosed, the emphasis will likely be on simplified DeFi access, consumer-friendly financial tools, and applications that can scale beyond crypto-native users. Importantly, Cronos will remain permissionless. Third-party developers can still deploy freely, and the chain is not closing itself off. The difference is that Cronos Labs is now committing to lead from the front, rather than acting solely as a steward of infrastructure. Investor Takeaway Ryan Wyatt’s appointment puts execution in focus. The next year will show whether Cronos can convert distribution and product ownership into sustainable fees and long-term relevance. With Wyatt at the helm, Cronos is making a clear statement about what comes next. Less emphasis on competing for blockspace, more focus on products, revenue, and users. The strategy is ambitious, but in a market that now rewards fundamentals, it may be exactly the reset Cronos needs.

Kevin Hassett, one of the top candidates to take over as chair of the US Federal Reserve, has tried to ease worries about possible political meddling in monetary policy. Hassett made it clear on CBS News' Face the Nation on Sunday that the central bank is independent and that President Donald Trump's views on interest rates will have "no weight" in making decisions. Trump is preparing to announce his choice in mid-January, sparking speculation that he wants to put friends on the Federal Open Market Committee (FOMC). Some others are worried that this could harm the Fed's independence.  Hassett rejected these concerns and pointed out the 12-member Board of Governors' power. "No, no, he would have no weight. It’s just his opinion matters if it’s good, you know, if it’s based on data." He went into more detail on the deliberative process: “And then if you go to the committee and you say, well, the president made this argument, and that’s a really sound argument, I think, what do you think? If they reject it, then they’ll vote differently”. The Race is Down to Warsh and Hassett In an interview with The Wall Street Journal on Friday, Trump gave more information on how he chooses people. He said that the race has narrowed down to two leading candidates: Hassett and former Fed Governor Kevin Warsh. When asked if Warsh was still in the running, Trump said, "Yes, I think he is," and then added, "I think you have Kevin and Kevin." I think both of the Kevins are amazing. Prediction markets have changed as a result. At the start of the month, sites like Kalshi and Polymarket said that Hassett had an 85% chance of winning. After Trump's statements, those numbers dropped drastically. Hassett is now at 50% on Kalshi while Warsh is at 39%. Trump also called for more presidential input on rates, which is not currently done. "That's not something that happens very often nowadays. It was done all the time. He said, "It should be done." He made himself sound like an important voice by saying, "I don't think he should do exactly what we say." But we should definitely listen to me because I'm a smart voice. Trump said that he and Warsh had similar views: "He thinks you need to cut interest rates. And everyone else I've talked to agrees. Crypto Stays Flat Because the Fed is Careful The Fed's 25 basis-point rate cut on Wednesday, which set the target range at 3.5% to 3.75%, didn't have much effect on the crypto markets. Prices stayed the same, which shows that people are being careful.  Jerome Powell, the outgoing chair of the FOMC, spoke during the meeting about a difficult situation: "In the near term, risks to inflation are tilted to the upside and risks to employment to the downside." There is no way for policy to be risk-free. Trump's hints of further cutbacks in 2026 might help riskier assets like cryptocurrencies, which could change the way the market operates when new leaders take over.

What Did BaFin Order and Why? Germany’s financial regulator BaFin has imposed new restrictions on Berlin-based digital bank N26, citing compliance failures uncovered in a special audit. The measures include limits on new business in the Netherlands, higher capital requirements and the appointment of a special monitor to oversee the bank’s operations. This is the second time since 2021 that BaFin has installed an external monitor at N26, marking a renewed clampdown on one of Europe’s highest-profile fintechs. BaFin said the 2024 audit found “serious deficiencies, particularly in risk and complaint management and in the organization of the lending business.” The regulator added that the bank had breached provisions of the German Banking Act. The move extends a period of turbulence for N26, which has been working through senior management changes and supervisory board restructuring. The bank said it was “in close and constructive communication with the supervisory authorities as well as the appointed special representative”. Investor Takeaway BaFin’s actions show regulators are taking a harder line on digital banks that scale quickly without matching compliance controls. N26 faces renewed scrutiny at a time when its governance structure is already shifting. Which Restrictions Did the Regulator Impose? Among the new orders, BaFin barred N26 from offering new mortgages in the Netherlands and instructed the bank to hold more capital. These measures come on top of the special monitor, who will oversee the bank’s remediation work and report directly to BaFin. N26, founded in 2013, operates in 24 European countries and says it serves 5 million customers. It has received close to $1.8 billion in funding from a global investor base that includes Allianz, GIC, Tencent, Earlybird and Peter Thiel. Despite its rapid growth, the bank has faced recurring compliance issues. BaFin fined N26 in 2021 for weaknesses in anti-money laundering controls and ordered it to restrict customer onboarding to 50,000 users per month. At that time, N26 also decided to close its U.S. operations and concentrate on Europe. How Is N26 Responding Internally? The company has undergone internal changes in recent months. Co-founder Valentin Stalf said in August he would step down as co-CEO and join the supervisory board. A new chief risk officer took office on December 1, while the supervisory board doubled in size to six members and appointed a new chair with experience at Germany’s central bank. These adjustments continue a broader internal reshuffle as N26 attempts to address longstanding operational gaps flagged by regulators. The combination of board expansion, new risk leadership and a pending remediation plan reflects the mounting pressure on the bank to strengthen oversight and control functions. Investor Takeaway N26’s governance shake-up signals an effort to stabilise operations under regulatory pressure, but fresh limits on business expansion add hurdles to the bank’s long-term growth plans. What Comes Next for N26? The special monitor will now track N26’s progress in correcting the issues highlighted by the audit. BaFin has not specified how long the new oversight will be in place, but past cases suggest extended timelines when repeated deficiencies occur. The restrictions on mortgage activity in the Netherlands add further constraints to N26’s expansion at a time when competition in European digital banking continues to intensify. Although the bank stresses that customer services remain unaffected, the latest regulatory action places N26 under closer watch as it works through the structural problems outlined by BaFin. The bank’s future growth will depend on how effectively it repairs risk management, resolves gaps in lending oversight and demonstrates steady compliance across the markets it serves. For now, BaFin’s intervention underscores the hurdles digital banks face when scaling across borders without matching internal controls to their growth pace.

According to CoinGecko, nearly 1,200 tokens now compete in the AI sector, with a combined market cap exceeding $29.5 billion. In Q1 2025, AI was one of the hottest crypto narratives, second only to meme coins. By Q2 2025, the momentum shifted further. According to DappRadar, AI dApps reached 18.6% dominance of the entire dApp industry, nearly overtaking gaming (20.1%) as the leading category. What began as “AI token hype” is now turning into sustained engagement and real adoption of AI-driven applications. What Are AI Crypto Tokens? AI crypto tokens power autonomous trading, real-time analytics, and next-gen DeFAI/NFT tools, reshaping how value moves on-chain. The crypto market runs 8,760 hours a year, but human traders cover only a fraction. AI agents, by contrast, can scan 50+ order books in under a second, executing microsecond trades to capture arbitrage opportunities, which account for an estimated 5–10% of daily volume. These tokens combine machine learning models with blockchain infrastructure, allowing investors to benefit from automation, transparency, and fractionalized exposure to innovative financial systems. Top AI-Driven Presale Picks for December 2025 1.IPO Genie ($IPO) Why it leads: IPO Genie ($IPO) is the AI crypto token giving retail investors access to tokenized private-market deals  -  startups, pre-IPOs, and early-stage companies previously reserved for VCs and institutional funds. Its clear use-case is unmatched: democratizing private-market investment through AI-powered deal discovery and tokenization. Top Features: AI Deal Discovery: Smart algorithms identify high-quality private-market opportunities. Tokenized Assets: Fractional ownership of startups and pre-IPO companies. CertiK Audited Contracts: Ensuring security and trust. Staking Rewards & Governance: Hold $IPO to earn passive income and vote on ecosystem upgrades. Early Deal Access: Priority entry to top presales and new offerings. Community & Culture: IPO Genie is sponsoring the Misfits Boxing Championship in Dubai on December 20th, headlined by Tate vs. DeMoor. The campaign has concluded, and five fans have won VIP experiences, highlighting the project’s community-driven, culturally aligned approach. The project’s previous airdrops campaign got them 305K sign ups in a matter of few days. 2.Ozak AI ($Oz) Ozak AI focuses on autonomous DeFi trading strategies, using AI agents to optimize yield farming, liquidity provision, and cross-chain arbitrage. Its models continuously retrain on live market data, giving early investors an edge in high-frequency trading opportunities. Ozak AI differentiates itself by integrating real-world data feeds to enhance on-chain predictions, combining AI with tokenized exposure to investment strategies. 3.DeepSnitch AI ($DSNT) DeepSnitch AI is an AI platform that analyzes smart contracts, on-chain behavior, and market signals. Multiple AI agents are already live, supporting automated detection of trading opportunities and arbitrage. Its robust technical foundation and upcoming listings on major exchanges make it a strong contender. Unlike Ozak AI, DeepSnitch emphasizes security and predictive analytics across multiple blockchain ecosystems. Comparing Use-Cases & Market Position Project Core AI Use Unique Selling Point IPO Genie Private market deals, AI-driven deal discovery,. Access to startups/pre-IPOs, staking, governance Ozak AI Autonomous DeFi trading Real-world data feeds, yield optimization DeepSnitch AI Smart contract & on-chain analytics Multi-chain predictive AI for trading/security Among these, IPO Genie stands out for combining real-world tokenized assets with AI-driven discovery, making it both a financial and strategic play. How to Evaluate AI Crypto Projects Not all AI tokens are equal. Use these four pillars to separate innovators from hype: Team Expertise & Roadmap: Proven AI and blockchain track records, completed milestones, audited contracts, mainnet launches, agent upgrades. Tokenomics & Supply Schedule: Balanced early rewards vs. long-term scarcity; staking, token burns, or revenue-sharing mechanisms. Adoption & Partnerships: Live pilots, enterprise integrations, DeFi/NFT collaborations indicate real utility. Community & Governance: Vibrant communities, on-chain voting, and transparent governance proposals show sustainability. Takeaway December 2025 is shaping up as a breakout month for AI-driven crypto presales. IPO Genie leads the pack with private-market access, tokenized assets, and AI deal discovery, while Ozak AI and DeepSnitch AI provide strong AI-driven trading and analytics utility. These projects combine innovation, adoption, and clear real-world use cases  -  far beyond meme-driven hype. Don’t miss out  -  sign up for the $IPO presale today and gain early access to private-market deals, staking rewards, and a community-aligned, AI-powered investment platform. Join the IPO Genie presale today:   Official website Telegram Twitter (X)  Disclaimer: This article is for informational purposes only and does not constitute financial, investment, or legal advice. Cryptocurrency markets are volatile, and readers should conduct their own research before making any decisions.

KEY TAKEAWAYS Stripe’s crypto onramp lets users buy crypto with fiat seamlessly Businesses can integrate via Stripe’s API without operating an exchange Customers benefit from instant conversion and familiar payment methods Stripe handles KYC/AML compliance, reducing legal risks Risks include crypto volatility, liquidity issues, and regulatory changes Early adopters include fintech apps, NFT platforms, and subscription services The onramp bridges traditional finance and blockchain, promoting mainstream adoption   As cryptocurrencies continue to expand beyond niche markets, the friction of converting traditional fiat into digital assets remains a major barrier for both businesses and retail users. Stripe, a global fintech leader in payments, has introduced a crypto onramp that streamlines the process of buying crypto with traditional currencies, aiming to make blockchain adoption more accessible. By leveraging Stripe’s existing payment infrastructure and compliance expertise, businesses can now integrate fiat-to-crypto flows without the complexity typically associated with exchanges. This article explores how Stripe’s crypto onramp works, the advantages for businesses and consumers, the underlying technology, potential risks, and its broader implications for the crypto ecosystem. What Is Stripe’s Crypto Onramp? Stripe’s crypto onramp is a service that allows companies to enable instant cryptocurrency purchases for their customers using standard payment methods, such as debit cards, credit cards, and bank transfers. Unlike traditional exchanges, which require users to navigate account setup, KYC verification, and wallet management, Stripe simplifies these steps into a seamless API-driven experience. Key features include: API Integration: Businesses can embed fiat-to-crypto functionality directly into apps or websites. Payment Method Compatibility: Customers can pay with credit/debit cards or bank transfers. Instant Conversion: Users can receive crypto quickly, often in minutes. Regulatory Compliance: Stripe handles KYC/AML requirements, reducing legal burdens on businesses. The service is currently being rolled out in select regions, focusing initially on jurisdictions with clear crypto regulations to ensure compliance and security. How Stripe’s Onramp Works At its core, Stripe's onramp connects traditional finance with the crypto ecosystem, making it easy to switch from fiat to crypto. When a customer chooses to buy cryptocurrency through a partner app or website, the process starts. This first step is meant to be easy to understand so that people can use crypto without having to deal with complicated exchange interfaces. Stripe takes care of the payment processing once the purchase has been made. The platform makes sure that all fiat transactions follow local banking rules and has fraud protection measures in place to keep both users and businesses safe. Stripe takes care of these important compliance issues, which makes it easier for businesses to accept crypto payments. Stripe makes it easy to send crypto after processing the payment. The equivalent cryptocurrency comes from liquidity providers or partner exchanges and is then sent straight to the user's wallet. This step makes sure that the transaction is finished quickly, often in minutes, so that users can get their digital assets almost right away. Finally, Stripe gives you tools for notifications and reports. Users get confirmation of their transactions, and businesses get access to dashboards for analytics, accounting, and operational oversight. Companies can keep accurate records and keep an eye on activity without having to run a full-fledged crypto exchange thanks to this openness. Overall, this model makes it easier for businesses to offer crypto services by lowering costs and risks while giving customers a familiar and easy-to-use experience. Benefits for Businesses Stripe’s crypto onramp is designed primarily for businesses that want to integrate crypto payments or reward programs without building an exchange themselves. Key advantages include: Simplified Integration: Stripe’s APIs are widely regarded as developer-friendly, reducing implementation time. Regulatory Offloading: By managing KYC, AML, and tax reporting, Stripe reduces the regulatory burden for partner businesses. User Experience: Customers can buy crypto with familiar payment methods, increasing adoption and reducing drop-offs. Global Reach: Stripe’s network spans multiple countries, allowing businesses to access diverse customer bases. Revenue Opportunities: Companies can monetize crypto-based services, loyalty programs, or tokenized products without needing in-house trading expertise. For merchants experimenting with crypto payments or blockchain-based loyalty schemes, Stripe’s service acts as a plug-and-play solution. Benefits for Consumers From the consumer perspective, the main advantages of Stripe’s crypto onramp include: Ease of Use: Users can acquire crypto with a few clicks, similar to making any online purchase. Faster Transactions: Crypto can be delivered to wallets almost instantly, compared to traditional exchange processes. Lower Entry Barriers: No separate exchange accounts or wallet setup are needed, making crypto accessible to beginners. Security and Compliance: Stripe’s infrastructure ensures that transactions are verified and comply with local laws, reducing fraud risk. These benefits collectively democratize crypto access, making it easier for mainstream audiences to participate in the digital asset economy. Technical Infrastructure Stripe leverages its existing payments infrastructure and partners with liquidity providers to facilitate seamless crypto acquisition. Technical highlights include: API-First Design: Businesses integrate crypto purchasing with minimal disruption to existing systems. Wallet Interoperability: Stripe supports transfers to a variety of wallet types, ensuring flexibility for end users. Liquidity Partnerships: Crypto is sourced from regulated exchanges and liquidity providers, ensuring competitive pricing and immediate availability. Compliance Automation: KYC/AML checks, transaction monitoring, and reporting are automated, ensuring regulatory adherence without manual intervention. By combining fintech-grade payment rails with blockchain accessibility, Stripe reduces traditional friction points in the fiat-to-crypto process. Risks and Considerations While Stripe’s crypto onramp simplifies access, risks remain for both businesses and consumers: Market Volatility: Cryptocurrencies fluctuate rapidly; fiat-to-crypto purchases may result in unexpected price changes. Regulatory Shifts: Changes in regional laws may impact availability, transaction limits, or legal responsibilities. Liquidity Constraints: During periods of high demand, instantaneous crypto delivery may be delayed or executed at less favorable prices. Operational Risk: Businesses remain responsible for ensuring proper integration and wallet management to avoid technical issues. Consumer Awareness: Novice users may not fully understand crypto ownership, security, or storage requirements. Businesses and users should approach Stripe’s onramp as a trusted facilitator, but still apply basic crypto diligence. Use Cases and Adoption Stripe's ability to convert fiat money to crypto opens up a lot of new uses in many fields. In e-commerce, platforms can use crypto as loyalty points that can be used in different ecosystems. This makes it easy for customers to earn and spend digital assets. This adds a new level of interaction and encourages people to buy again without making them go to different exchanges. Stripe's onramp is also good for gaming platforms. Players can buy digital items in the game with real money, so they don't have to set up exchange accounts or convert currencies by hand. This makes it easier to get to blockchain-enabled game economies and improves the overall experience for users. Subscription services can use the onramp by charging users in regular money and giving them the option to convert to crypto. This hybrid model lets businesses reach people who like cryptocurrencies while still being able to accept regular payments. It also makes it possible to offer new subscription rewards and tokenised incentives. Businesses can also use Stripe's onramp to make payroll and bonuses for employees easier. Without the hassle of dealing with complicated exchange interactions, crypto payments or bonuses are processed faster and more efficiently. Startups that issue digital tokens can add Stripe's fiat onramp to their platforms, making it easy for customers to get new tokens without leaving the site. Fintech apps, NFT marketplaces, and subscription services that are looking into blockchain-based rewards and tokenised products are some of the first to use Stripe's solution. Best Practices for Businesses and Users For businesses integrating Stripe’s crypto onramp: Test API integration thoroughly before production launch Educate end users about crypto ownership, volatility, and security. Monitor pricing spreads and liquidity to avoid customer dissatisfaction. Ensure compliance with local tax reporting requirements. For consumers: Use wallets you control; avoid keeping crypto solely on third-party accounts. Be aware of fees and potential price slippage during conversion. Understand that crypto purchases carry investment risk, including total loss. Start with small amounts when experimenting with fiat-to-crypto conversion. By following these practices, both businesses and users can maximize benefits while minimizing risks. Stripe’s Crypto Onramp: Simplifying Fiat-to-Crypto for Businesses and Users Stripe’s crypto onramp is a significant step toward mainstream crypto adoption, allowing businesses to offer fiat-to-crypto services with minimal friction. It removes traditional barriers such as exchange account setup, manual KYC verification, and complex wallet management. While risks like volatility, regulatory shifts, and liquidity remain, the platform provides a trusted, compliant path for beginners and enterprises alike. As fiat-to-crypto infrastructure matures, we can expect more companies to embed blockchain capabilities into everyday services, blurring the line between traditional finance and the digital asset economy. Stripe’s solution exemplifies how fintech innovation can make crypto accessible without compromising compliance or user experience. FAQs What is Stripe’s crypto onramp?Stripe’s crypto onramp is a service that enables businesses to let customers buy cryptocurrency using fiat currencies through familiar payment methods like debit cards, credit cards, and bank transfers. How does Stripe’s crypto onramp work?The onramp processes fiat payments through Stripe’s infrastructure, sources crypto from liquidity providers, and delivers the digital assets directly to the user’s wallet—often within minutes. Do businesses need to operate a crypto exchange to use Stripe’s onramp?No. Stripe allows businesses to integrate fiat-to-crypto functionality through its API without managing an exchange, wallets, or liquidity themselves. Which payment methods are supported on Stripe’s crypto onramp?Customers can purchase crypto using credit cards, debit cards, and bank transfers, depending on regional availability. What risks should users be aware of when using Stripe’s crypto onramp?Risks include cryptocurrency price volatility, possible liquidity delays during high demand, regulatory changes, and a lack of understanding around crypto custody and security. References Idtechwire: Stripe Integrates Fiat-to-Crypto Onramp into World App for U.S. Users Fintech Futures: Stripe unveils embeddable fiat-to-crypto onramp for Web3 businesses Stripe: Stripe expands access to its crypto onramp with a new hosted option

KEY TAKEAWAYS Webull offers commission-free crypto trading, earning via spreads. Fiat deposit is free; withdrawals may incur blockchain fees. Spread costs can widen during volatile or low-liquidity periods. Advanced traders may prefer Binance US or Coinbase for more features. Margin trading incurs interest; costs can accumulate quickly. Best for casual or cost-conscious investors seeking simplicity. Hidden fees still exist, so understanding total costs is essential.   Cryptocurrency trading is increasingly mainstream, but fees remain a critical factor affecting investor returns. Webull, originally known as a commission-free stock trading platform, has expanded into crypto trading, offering a simplified interface and zero-commission trades. While appealing, it’s important to understand how Webull’s crypto fees stack up against other popular platforms and what hidden costs might affect your profitability. This guide provides a detailed comparison of Webull fees with other exchanges, highlights potential costs, and explains how investors can choose the best platform for their trading style. Webull Crypto Fees Overview Webull offers commission-free crypto trades for a range of popular cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and a few altcoins. However, “zero commission” does not mean zero cost. Fees exist in several ways: Spread Costs: Webull earns revenue from the bid-ask spread, which may widen during periods of high volatility or low liquidity, increasing effective costs. Deposit and Withdrawal Fees: Deposits in fiat are free. Crypto withdrawals carry standard network fees (e.g., blockchain transaction costs). Margin Trading Fees: Users can trade crypto on margin with variable interest rates depending on asset and loan size. Webull’s fees are straightforward for casual traders, but these implicit costs should not be overlooked, especially for high-volume or professional trading. How Webull Compares to Other Platforms To provide context, here’s a side-by-side comparison of Webull fees versus other major crypto exchanges: Platform Trading Fees Deposit Fees Withdrawal Fees Notable Advantages Notable Disadvantages Webull Commission-free; spreads vary Free Network fees apply Simple interface; zero commission; margin trading Limited crypto selection; spreads can widen Coinbase 0.5% per trade + spread Free (bank transfer) Network fees apply Extensive coin selection; beginner-friendly Higher cost for small trades; spread implicit Binance US 0.10% maker/taker Free (bank transfer) Network fees apply Low fees for high-volume traders; many altcoins Complex interface; US only; KYC required Robinhood Commission-free; spreads vary Free Initially, no crypto withdrawals Easy-to-use; mobile-first; zero commission Limited wallet options; fewer crypto assets Analysis: Cost-Effectiveness: Webull and Robinhood are leaders for small-scale or casual investors due to zero explicit commissions. Advanced Trading: Binance US provides the lowest fees for active traders due to maker-taker discounts and higher liquidity. Asset Variety: Coinbase and Binance US offer far more coins and trading pairs than Webull, which is limited to major cryptocurrencies. Withdrawal & Wallet Control: Webull allows external wallet withdrawals, giving users more control compared to Robinhood, which, until recently, restricted transfers. In essence, Webull is best for casual investors who value simplicity and commission-free trades, while platforms like Binance US are better for experienced traders or those seeking a broad asset selection. Hidden Costs Across Platforms Even zero-commission platforms carry costs that affect profitability: Spread Costs: Webull and Robinhood make money through spreads; a 1–2% difference can accumulate over time. Slippage: Large trades may execute at worse prices than quoted, especially on lower-liquidity assets. Network Fees: Withdrawals require blockchain confirmation fees. Margin Interest: Leveraged trades incur interest, which can erode returns. Currency Conversion Fees: Non-USD deposits may incur conversion costs. Understanding these factors is critical to evaluating the total trading cost, not just visible fees. Advantages of Webull’s Fee Structure Despite potential hidden costs, Webull offers several benefits that make it attractive for retail traders: Zero Commission Trades: Removes explicit transaction costs for casual investors. Integrated Portfolio Management: Users can manage both equities and crypto in one account. No Minimum Trade Size: Investors can start with small amounts without being penalized by fixed fees. External Wallet Withdrawals: Allows users to move crypto off-platform for security or staking elsewhere. Clear Fee Transparency: Spreads, margin rates, and blockchain fees are openly disclosed. These advantages make Webull particularly appealing for new traders seeking simplicity and lower upfront costs. When Paying Fees Might Be Worth It While Webull excels for small-scale investors, paying explicit fees on other platforms can make sense under certain circumstances: Advanced Trading Tools: Platforms like Binance US or Coinbase Pro provide limit orders, stop-loss, and margin options not fully supported on Webull. Access to More Coins: High-demand altcoins may only be available on specialized exchanges. Deeper Liquidity: Larger exchanges allow high-volume traders to avoid slippage and better manage risk. Staking or Yield Opportunities: Coinbase and Binance allow users to earn passive income through staking or lending features. In these cases, higher fees can be justified by access to features that enhance trading efficiency or potential returns. Strategies to Minimize Webull Trading Costs Even on commission-free platforms like Webull, investors can adopt strategies to reduce implicit costs: Trade During High Liquidity Periods: Reduces spread widening and slippage. Use Limit Orders: Ensures trades execute at desired prices. Combine Withdrawals: Avoid multiple small withdrawals to save on network fees. Monitor Margin Use: Avoid unnecessary leverage to limit interest accumulation. Compare Spreads Across Platforms: Sometimes executing trades elsewhere may be cheaper for low-liquidity coins. Webull in Perspective Webull positions itself as a simple, cost-effective option for crypto traders who value: Commission-free trades Integration with stock and ETF accounts Straightforward mobile and desktop interfaces However, traders seeking advanced features, broader crypto selection, or arbitrage opportunities will likely find Binance US, Coinbase, or other exchanges more suitable. Webull’s strength lies in its accessibility, transparency, and ease of use, making it ideal for beginners or casual traders. Webull Crypto Fees: Cost-Effective Trading with Hidden Considerations Webull offers competitive fees for retail investors, but does not eliminate all trading costs. Its commission-free structure is appealing, but spreads, blockchain fees, and potential slippage are important considerations. Compared to Coinbase, Binance US, and Robinhood, Webull is best suited for small to medium trades, simple portfolio integration, and investors who value transparency and ease of use. For active traders or those seeking a larger variety of cryptocurrencies, other platforms may offer features and cost advantages that justify higher explicit fees. Understanding both visible and hidden costs ensures investors make informed decisions and avoid surprises.   FAQs Does Webull charge commissions for crypto trades? No. Webull offers commission-free crypto trades, though spreads and network fees still apply. Are there deposit or withdrawal fees on Webull? Deposits are free. Crypto withdrawals may incur blockchain network fees. How does Webull compare to Coinbase or Binance US? Webull is simpler and cost-effective for casual trades, while Coinbase and Binance offer more coins and advanced features. Can I use margin to trade crypto on Webull? Yes, Webull supports crypto margin trading, but interest rates vary by asset and position. How can I reduce trading costs on Webull? Trade during high liquidity, use limit orders, consolidate withdrawals, and monitor spreads. References Webbull: Webbull Wallstreetsurvivor: Webull Fees Explained: What You Need to Know Before Trading Investopedia: Robinhood vs. Webull

KEY TAKEAWAYS Stranger Things crypto refers to unofficial, fan-created meme tokens None of the tokens is licensed or endorsed by Netflix Popularity is driven by Season 5 hype and meme-coin market cycles Most projects lack utility, liquidity, and long-term sustainability High volatility and rug-pull risks make them speculative at best Investors should distinguish pop-culture hype from real crypto value   Stranger Things Crypto describes a group of unofficial meme tokens inspired by Netflix’s hit series Stranger Things. These tokens are not created, licensed, or endorsed by Netflix or the show’s producers. Instead, they exist purely as community-driven crypto assets that leverage pop-culture recognition to generate short-term interest. As crypto markets rebound in late 2025 and hype builds around the final season of Stranger Things, these tokens have begun trending again across decentralized exchanges, social media platforms, and meme-coin tracking sites. Understanding what they are and what they are not is essential for anyone encountering them for the first time. What Is Stranger Things Crypto? Stranger Things crypto does not refer to a single project. It is a loose category of meme tokens that borrow themes, names, or imagery from the Stranger Things universe. These tokens typically share a few defining characteristics: They are launched without official permission from Netflix. They trade on decentralized exchanges rather than major centralized platforms. Their value is driven almost entirely by hype and speculation. They promise community engagement, NFTs, or future utility that is often undefined. Unlike official digital initiatives tied to entertainment brands, these tokens do not provide ownership rights, access to content, or participation in the show’s ecosystem. Origins of Stranger Things Tokens Stranger Things–inspired tokens emerged as part of a broader trend where crypto developers capitalize on popular franchises during moments of peak attention. The show’s global fanbase, distinctive branding, and nostalgia-heavy appeal make it an easy target for meme-token creation. One of the most referenced examples is the Stranger Things Meme Token (STMT) on Binance Smart Chain. The project presents itself as a fan-driven community token and promotes ideas such as NFT fan art and social engagement. Its smart contract is publicly visible, but this transparency does not imply legitimacy or licensing. On Solana, tokens like $STHINGS have appeared on decentralized exchanges such as Raydium. These variants often trade at extremely low prices and volumes, sometimes recording only a few dollars in daily activity. Their short lifespan reflects how quickly meme-driven tokens can appear and disappear. It’s important to distinguish these projects from Netflix’s official digital experiments, which have included licensed NFTs and gaming integrations rather than open crypto tokens. Why Stranger Things Crypto Is Trending Now The current spike in interest is driven by a convergence of cultural and market factors rather than any fundamental development. First, anticipation surrounding Stranger Things Season 5, widely expected to be the show’s final chapter, has reignited global attention. Major Netflix announcements, teasers, and live events tend to create search spikes that opportunistic crypto projects quickly exploit. Second, the broader meme-coin resurgence of 2025 has re-energized speculative trading. Retail investors hunting for “early” micro-cap opportunities often gravitate toward recognizable names, even when utility is absent. Platforms like CoinMooner amplify visibility by ranking trending meme coins, reinforcing momentum regardless of fundamentals. Finally, social media plays a critical role. X (formerly Twitter), Telegram, and Discord channels spread narratives around “next viral tokens,” encouraging short-term speculation. In low-liquidity environments, even modest buying pressure can cause sharp price movements, attracting further attention. Key Stranger Things–Inspired Tokens and Variants While no single token dominates the niche, several variants are commonly referenced. Stranger Things Meme Token (STMT) operates on Binance Smart Chain and is primarily traded on PancakeSwap. Its messaging focuses on community participation, pop-culture engagement, and future NFT drops tied to fan art. Activity levels remain low, but its branding keeps it visible during meme cycles. $STHINGS on Solana represents an end of the spectrum. With minimal liquidity and negligible daily volume, it exists largely as a speculative experiment. Promotions often mention airdrops or future integrations without clear documentation. Beyond these, multiple short-lived Stranger Things-branded tokens have surfaced across chains, usually disappearing once hype fades. None provides payment functionality, governance mechanisms, or integration with official Stranger Things products. Investor Risks and Market Reality Stranger Things crypto carries high risk, even by meme-coin standards. Key risks include: Extreme volatility, with frequent 70–90% drawdowns Low liquidity makes exits difficult once the hype fades. Intellectual property issues, since branding is unlicensed Rug-pull and abandonment risk are common in pop-culture tokens. Regulatory scrutiny, as authorities increasingly warn about IP-based crypto scams For most participants, losses occur not because prices never rise, but because liquidity vanishes before they can exit. Stranger Things Crypto in the Broader Meme Ecosystem Stranger Things tokens fit into a larger trend of pop-culture meme coins, alongside assets themed around movies, games, celebrities, and viral events. While some memes develop lasting communities, most fade quickly once attention shifts. In contrast, official brand integrations such as licensed NFTs or blockchain-based games tend to offer clearer value propositions. Netflix itself has focused on controlled digital experiments rather than open crypto issuance, signaling caution rather than endorsement. As crypto markets mature, speculative fan tokens are increasingly viewed as short-term trades rather than long-term opportunities. What Investors Should Focus On Instead Rather than chasing trending names, investors should focus on fundamentals and transparency. Better practices include: Checking on-chain liquidity and holder concentration Verifying whether branding is officially licensed Avoiding tokens driven purely by social buzz Treating meme coins as speculation, not investment Those interested in the Stranger Things franchise itself are better served by official merchandise, licensed collectibles, or games rather than crypto tokens using the name without authorization. Stranger Things Crypto Explained: Viral Hype, Real Risks, and Investor Reality Stranger Things is trending in the crypto space because it combines cultural nostalgia with meme-coin speculation, not because it offers real utility or official backing. These tokens are unlicensed, highly volatile, and driven by short-term attention rather than sustainable value. For most investors, they represent speculative entertainment rather than serious opportunities. Understanding the difference between brand-inspired hype and legitimate crypto innovation is essential in avoiding unnecessary losses as meme cycles continue to evolve. FAQs Is Stranger Things crypto an official Netflix project? No. All Stranger Things–themed crypto tokens are unofficial and have no affiliation with Netflix or the show’s creators. Why are Stranger Things crypto tokens trending? They are gaining attention due to Season 5 hype, renewed meme-coin interest in 2025, and social media speculation. Does Stranger Things crypto have real utility? Most tokens offer no real utility beyond speculative trading and community-driven hype. Are Stranger Things meme tokens safe to invest in? They carry high risk due to low liquidity, extreme volatility, and a lack of official licensing or long-term development. How can investors avoid Stranger Things crypto scams? Verify smart contracts, avoid tokens claiming official status, and rely only on information from trusted platforms. References Coinmooner: Stranger Things MEME Token Dextools: Stranger Things Investopedia: Meme Coins: Examples of What They Are, Pros and Cons, and How to Make Them