First MiCA-Regulated Dollar Stablecoin on Bullish Bullish Europe has become the first trading platform to list Société Générale-Forge’s USDCV, a dollar-backed stablecoin designed for both retail and institutional markets in the European Union. The listing takes place on Bullish’s BaFin and MiCA-regulated exchange in Germany, cementing its role in the expansion of compliant digital asset products across Europe.The move follows Société Générale-Forge’s June announcement that it would launch USDCV with Bank of New York Mellon acting as custodian. The French financial services arm has already pioneered a euro-pegged EUR CoinVertible (EURCV), which debuted in 2023 for institutional clients. The addition of USDCV marks a broadening of its scope, serving use cases including remittances, payments, foreign exchange, and store-of-value functions.“We see USDCV as a tool for both retail users and institutions,” a Société Générale-Forge spokesperson told Cointelegraph, stressing the importance of regulated infrastructure for trust and adoption. Both USDCV and EURCV qualify as e-money tokens under MiCA, and Société Générale-Forge has secured an electronic money institution license from French regulators to issue them. Investor Takeaway Bullish Europe’s early listing of USDCV positions it as a front-runner in regulated stablecoin markets, giving institutions a MiCA-compliant alternative to U.S. tokens like USDT. Europe’s Stablecoin Momentum While U.S. players such as Tether and Circle have long dominated the global stablecoin landscape, Europe is catching up quickly. In July, EUR AU, a euro-backed stablecoin venture supported by Deutsche Bank’s DWS, Flow Traders, and Galaxy Digital, debuted on Ethereum and received BaFin approval. Around the same time, Paxos introduced the Global Dollar (USDG) in the EU, structured for MiCA compliance and supervised in both Finland and Singapore. MiCA has created a harmonized framework that has already attracted 10 stablecoin issuers this year. Notably absent, however, is Tether’s USDt, the world’s largest stablecoin, which has not yet received authorization in the bloc. For institutional users, this gap creates opportunities for newcomers like Société Générale-Forge to gain market share under Europe’s “passportable” rules for e-money tokens. By securing MiCA compliance early, Bullish Europe and its partners can position themselves as credible providers to banks, fintechs, and payment firms across the bloc. The strategy builds on the regulatory-first branding that Bullish has cultivated since its 2021 launch by Block.one and subsequent $1.1 billion IPO in New York in 2025. Regulatory Concerns Persist Despite progress, European policymakers remain cautious. Last week, a senior Bank of Italy official warned that stablecoins issued by entities across multiple jurisdictions could threaten the EU financial system unless tightly controlled. Christine Lagarde, president of the European Central Bank, has also called for addressing regulatory gaps, warning against stablecoins outside the MiCA framework. ECB adviser Jürgen Schaaf echoed the concern in July, warning that U.S.-issued stablecoins pose a systemic risk to the euro’s stability. Italian finance officials have even suggested U.S. stablecoin policies could be more damaging to local economies than U.S. tariffs. These warnings highlight the geopolitical stakes of stablecoin adoption, especially as U.S. dollar-linked tokens gain traction among European users. Against this backdrop, Société Générale-Forge’s launch of MiCA-compliant tokens represents an attempt to offer a “European alternative” that aligns with regulatory standards and reduces reliance on offshore products. For Bullish Europe, being the first platform to list USDCV could help attract institutional clients looking for regulated liquidity and confidence in compliance. Investor Takeaway Europe’s regulatory clarity under MiCA could accelerate adoption of EU-issued stablecoins like USDCV, but ongoing ECB warnings show that political risk remains high. What’s Next The listing of USDCV marks the beginning of a larger push by Bullish Europe and Société Générale-Forge to embed stablecoins into both retail and institutional payments. With EURCV already live and USDCV joining its roster, Société Générale has become one of the few traditional banks globally to launch multiple regulated stablecoins. The partnership with BNY Mellon as custodian adds credibility and aligns with institutional risk standards. For investors and market participants, the move signals the start of a more competitive era in European stablecoins. If adoption grows, EU-compliant tokens could reduce dependence on offshore providers, set new standards for transparency, and provide liquidity to decentralized and centralized platforms alike. For Bullish, early adoption of regulated assets may help it carve out a stronger European footprint, complementing its U.S. ambitions after securing a BitLicense in New York.

In a major development for Dogecoin (DOGE) and its ever-growing credibility, Swiss asset manager 21Shares has taken a key procedural step toward launching a spot Dogecoin ETF.  The ETF proposal, under ticker TDOG, has now been listed with the Depository Trust & Clearing Corporation (DTCC), an important node in the U.S. financial infrastructure that handles clearing and settlement of securities.  What The DTCC Listing Means It is important to clarify that DTCC listing is not regulatory approval. Rather, it’s a technical step part of the preparatory work ETF issuers undertake so that, if approval comes, shares can be cleared, settled, and traded seamlessly. For 21Shares’ ETF to begin trading in the U.S., the Securities and Exchange Commission (SEC) must still greenlight the proposal.  Market Impact and Price Action Dogecoin has shown resilience during this period. The token is maintaining strong support levels around $0.23, with another buffer at $0.20. On the upside, analysts identify resistance around $0.31, with the possibility of a breakout targeting $0.35 to $0.38 if momentum builds.  Some experts believe that the ETF’s progress and broader institutional interest are setting the stage for a rally. One analyst even hinted at a potential 100% upside from current levels, should all signals align.  Why It Matters Here’s why: Institutional Interest: The DTCC listing indicates that institutions are taking Dogecoin more seriously, not just as a meme token but as an asset possible to include in regulated investment products. Competitive Landscape: Dogecoin isn’t the only coin in the ETF race anymore. Recent ETFs for other cryptos, such as Solana, XRP, and others,  have also been added to DTCC’s lists, and the regulatory environment seems to be gradually opening. Potential Exposure for Mainstream Investors: A spot ETF would allow investors to gain exposure to DOGE directly via familiar financial products without needing to hold the token themselves. That lowers the friction for adoption. From Meme to Mainstream: What DOGE ETF Could Mean for Investors The DTCC listing of 21Shares’ Spot Dogecoin ETF marks a pivotal moment for the meme coin that started as a joke but has grown into a global digital asset with a loyal community. While SEC approval is still pending, the fact that a DOGE ETF is advancing through traditional financial channels signals that meme coins are no longer on the sidelines of crypto investing.  For many, this move represents not just institutional recognition of Dogecoin’s resilience, but also the maturing of digital assets once dismissed as speculative novelties.

TonCoin cryptocurrency can be expected to rise further to the next round resistance level 3.000 (former strong support which stopped waves b, iii and i).   TonCoin reversed from support zone Likely to rise to resistance level 3.000 TonCoin cryptocurrency recently reversed up from the support area set between the multi-month support level 2.6000 (which has been reversing the price from the start of March, as can be seen from the daily TonCoin chart below), lower daily Bollinger Band and the support trendline of the daily down channel from the start of August. The upward reversal from this support zone stopped the earlier short-term impulse wave (c) from the start of last month (which belongs to the extended ABC correction B from March). Given the strength of the aforementioned support area, TonCoin cryptocurrency can be expected to rise further to the next round resistance level 3.000 (former strong support which stopped waves b, iii and i). TonCoin Technical Analysis 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.

More businesses and individuals are now accepting cryptocurrencies, such as BTC and USDT, as payment for services or products. Crypto allows faster international transfers, lower fees, and more flexibility than traditional banking. Freelancers who accept crypto payments need wallets that make getting paid easy, secure, and flexible. The most suitable wallet depends on whether you want easy mobile pay, instant invoices, simple fiat conversion, or comprehensive long-term security.  This article highlights the best wallet options in 2025, what each does well, and quick tips so you can pick the one that best fits you and start accepting crypto with confidence. Key Takeaways  Gateways handle fiat and invoices (Coinbase Commerce, BitPay, or NOWPayments), hot wallets process day-to-day use (Coinbase Wallet, MetaMask, Exodus, or Trust), and hardware wallets (Ledger or Trezor) secure savings. Select wallets based on client needs—multi-coin, Bitcoin-only, or Web3. Consolidate wallets for speed, billing, and long-term security. What to Look for in a Crypto Wallet Before choosing, freelancers should consider:   Ease of use: Simple setup, QR codes, or client invoice links.   Supported currencies: Stablecoins (USDC or USDT) support to minimize volatility.   Fiat conversion: Fast payout to local bank accounts where needed.   Security: Robust security for short- and long-term balances.   Record-keeping: Support to export transaction history for tax and bookkeeping.   Top Wallet Options for Freelancers Coinbase Commerce For basic invoice links, card/crypto payments, and easy fiat conversion, Coinbase Commerce is a great option. It generates payment buttons and invoices that your client can pay in many currencies. This makes it particularly ideal when customers are new to cryptocurrency or you need an instant fiat off-ramp. Coinbase Wallet Coinbase Wallet is a convenient mobile and desktop wallet that is directly integrated with Coinbase’s exchange. It gives freelancers instant access to funds, easy transfers, and the option to cash out to fiat as needed. It’s a trustworthy day-to-day wallet for freelancers who require simplicity with a good brand name backing it. BitPay Wallet BitPay Wallet offers freelancers a consumer wallet that has business capabilities integrated. You can create invoices, accept several tokens, and make direct payments to fiat bank accounts or debit cards. It is also WalletConnect and P2P payments compatible, which makes it an orderly solution to have more client invoice control for freelancers. NOWPayments NOWPayments is a non-custodial gateway for freelancers to create invoices, payment buttons, and API integrations. You can receive dozens of cryptocurrencies and determine whether you’d like to hold payments in crypto or settle into fiat. It is perfect for freelancers requiring flexibility and worldwide accessibility. OpenNode OpenNode is a provider of Bitcoin payments and processes both on-chain and Lightning Network payments. It enables freelancers to receive BTC directly and even settle in fiat when desired. This is best suited for freelancers who love Bitcoin only and need cheap and quick transactions. CoinGate CoinGate provides payment buttons, invoices, and plugins for online stores and marketplaces such as Shopify and WooCommerce. Freelancers can accept payments in multiple cryptocurrencies and choose crypto or fiat settlement. It is a good option for freelancers who need integration with online marketplaces or online stores. MetaMask MetaMask is a popular non-custodial Ethereum and other EVM-compatible blockchain wallets. Freelancers who have clients who work in Web3 or receive ERC-20 tokens will use it the most. While it does not have in-app invoicing, it supports most dApps and can be integrated with a payment gateway. Exodus Exodus is a minimalist design, desktop and mobile wallet with large token support. It features built-in swaps and portfolio monitoring, which is simple enough for newbies. Freelancers who want a straightforward, non-custodial wallet to receive and hold multiple coins will find it adequate. Trust Wallet Trust Wallet is a wallet that supports thousands of tokens and cryptocurrencies, and it comes with staking, swapping, and NFT support, so it is handy for remote working freelancers. It’s best for those who appreciate mobile accessibility and wide asset coverage. Ledger Ledger is a hardware wallet designed to keep your crypto funds offline and secure. Freelancers can receive payments into a hot wallet for daily use and then transfer larger amounts into Ledger for safe, long-term storage. It’s ideal for anyone handling larger freelance payments. Trezor Trezor is another leading hardware wallet that provides offline storage and secure protection from hacks or malware. Like Ledger, it’s best for freelancers who require safeguarding of savings once they’ve received payments in hot wallets. Wallet / Setup Best For Key Features Downsides Coinbase Commerce Simple invoicing & fiat conversion Payment buttons, invoices, multiple coins, fiat off-ramp Custodial service; not available in all regions Coinbase Wallet Everyday payments with exchange access User-friendly app, integrates with the Coinbase exchange Custodial risk if linked; not as flexible outside the Coinbase ecosystem BitPay Wallet Professional invoicing & payouts Create invoices, accept tokens, fiat settlement, debit card Requires account verification; limited crypto list NOWPayments Flexible non-custodial payments Invoices, API, non-custodial, crypto/fiat settlement Fees vary; setup may need some technical know-how OpenNode Bitcoin-specific freelancers On-chain & Lightning BTC, fiat settlement Bitcoin-only; no multi-token support CoinGate Multi-currency payment integration Payment buttons, plugins, and multi-crypto acceptance Higher fees; custodial model for fiat settlement MetaMask Web3 & ERC-20 payments Non-custodial, dApp integrations, EVM chain support No invoices; clients must know how to send tokens Exodus Desktop-friendly beginners Clean interface, multi-asset, built-in swaps Not fully open-source; no fiat withdrawals Trust Wallet Mobile-first freelancers Wide token support, staking, NFTs, and mobile-focused No direct fiat off-ramp Ledger (Hardware) Long-term secure storage Cold storage, strong hack protection, Ledger Live support Paid device; less convenient for daily use Trezor (Hardware) Maximum freelancer security Open-source hardware, offline storage, easy interface Extra cost; slower access to funds Practical tips for freelancers Ask clients for the network before they send (BTC vs ERC-20 vs Solana) to avoid lost funds. Prefer stablecoins (USDC/USDT) if you want to avoid short-term price swings. Share a QR code or payment link instead of long addresses—it reduces copy/paste errors. Keep a bookkeeping trail through CSV export or use gateway receipts to track income and taxes. Use hardware wallets for savings and enable device passcodes/biometrics on mobile wallets. Bottom line Depending on the requirement for crypto payments, most freelancers often combine wallets to receive their income. For convenience, use a simple hot wallet (Coinbase Wallet, MetaMask, or Exodus) for all your day-to-day payments and a payment gateway (Coinbase Commerce, BitPay, or NOWPayments) when you need invoices or fiat settlements. Move bigger balances to a hardware wallet for safety. This allows you to receive payments promptly and guard against losing your earnings.

KEY TAKEAWAYS  Unlike banks, which can freeze accounts or impose restrictions, cryptocurrencies operate on decentralized blockchain networks. Traditional banks often operate with limited visibility into fees and processes, while blockchain ledgers are open and verifiable by anyone. International bank transactions are slow and expensive due to the presence of multiple intermediaries. Crypto enables near-instant, low-cost peer-to-peer transfers across borders. Banks often exclude people without a credit history or the required documents. With only a smartphone and an internet connection, anyone can access crypto wallets. Banks offer modest interest rates, crypto’s volatility, and innovations like DeFi, NFTs, and ICOs open opportunities for significant gains. Bank accounts are heavily monitored, but cryptocurrencies, especially privacy coins like Monero and Zcash, offer varying levels of anonymity.   In recent years, cryptocurrency has taken the financial world by storm, challenging traditional banking systems and attracting millions of investors globally. Despite the volatility and regulatory uncertainties surrounding digital currencies, many investors believe crypto offers distinct advantages over conventional banks. This shift is rooted in the distinct characteristics of cryptocurrencies, which promise enhanced accessibility, efficiency, and security. The Rise of a Parallel Financial System When Bitcoin launched in 2009, it was introduced as “peer-to-peer electronic cash” that allowed people to transact without intermediaries. What started as an experiment has since evolved into a trillion-dollar market. Cryptocurrencies, blockchain technology, and decentralized finance (DeFi) have created a parallel financial system where traditional banks are no longer the gatekeepers. While banks remain essential to many economies, a growing segment of investors believes crypto offers better solutions for savings, investments, and even day-to-day transactions. The motivations behind this shift stem from several key differences between the two systems. Decentralization and Control One of the key reasons investors favor crypto over banks is decentralization. Traditional banks act as centralized institutions that control your money, impose restrictions, and sometimes freeze accounts. Cryptocurrencies like Bitcoin and Ethereum, however, operate on decentralized blockchain networks distributed across multiple nodes worldwide.  This structure eliminates single points of failure, making it nearly impossible for any one entity to exert complete control over funds. Investors appreciate that cryptocurrencies provide them with full ownership and control over their assets. With private keys held personally, they don’t have to rely on banks, third-party intermediaries, or governments, which can impose capital controls or seize funds in some jurisdictions. Increased Transparency and Security Banks operate behind closed doors, offering limited visibility into transactions and fee structures, which often causes frustration and mistrust among customers. In contrast, blockchain technology underpins cryptocurrencies with a transparent and immutable ledger, where every transaction is verifiable by anyone on the network. This transparency reduces the risk of fraud and corruption, reassuring investors that the movement of their funds is traceable and tamper-proof. Additionally, blockchain’s security features, including cryptographic validation and decentralized consensus, make hacking and unauthorized alterations far more difficult compared to traditional banking databases. Lower Fees and Faster Transactions High fees and slow transaction speeds plague the traditional banking system, especially for international transfers. Sending money across borders through banks typically involves multiple intermediaries, resulting in delays of several days and significant transaction costs. Cryptocurrencies, on the other hand, facilitate faster payments at a fraction of the cost. Peer-to-peer blockchain transfers occur directly between parties without intermediaries, enabling almost instantaneous settlements anywhere in the world. For investors, this means more efficient portfolio management and the ability to move funds swiftly without excessive fees eating into profits. Access and Financial Inclusion Banks often require stringent documentation, credit checks, and geographical presence that can exclude marginalized populations from accessing financial services. Crypto opens doors to unbanked and underbanked individuals who may not qualify for traditional banking but have internet access. With just a smartphone, anyone can create a crypto wallet and participate in the global financial ecosystem. This democratization of finance appeals to investors who want to support innovative technologies that empower financial inclusion and reduce reliance on legacy institutions. Potential for Higher Returns Many investors are drawn to cryptocurrencies for their potential to generate higher returns compared to bank deposits or traditional investments. While banks offer fixed interest rates on savings, the crypto market’s volatility creates opportunities to capitalize on price surges and new blockchain projects. Initial coin offerings (ICOs), decentralized finance (DeFi) protocols, and non-fungible tokens (NFTs) have unlocked diverse avenues for wealth creation. Although riskier, the innovation-driven nature of crypto markets attracts investors willing to explore higher risk-reward dynamics that are unavailable in conventional banking. Privacy and Anonymity Privacy is another factor where crypto holds an edge. Bank transactions are monitored, recorded, and often accessible by governments or financial institutions. For those concerned about privacy, cryptocurrencies offer varying levels of anonymity. While Bitcoin is pseudonymous, privacy coins like Monero and Zcash offer stronger protections by obfuscating transaction details. This appeals to investors who value confidentiality and security, particularly in environments where financial surveillance is prevalent. Hedge Against Inflation In times of economic uncertainty, inflation reduces the purchasing power of money stored in banks. Traditional banking systems rely on fiat currencies, which governments can print at will. This unlimited supply contributes to inflation, steadily eroding the value of savings over time. Cryptocurrencies, such as Bitcoin, are fundamentally different. With a capped supply of 21 million coins, Bitcoin is resistant to inflationary policies. Many investors now consider it “digital gold,” a store of value designed to preserve wealth more effectively than fiat savings accounts. This perception has fueled widespread adoption of crypto in countries struggling with hyperinflation, such as Venezuela, Turkey, and Argentina, where citizens use Bitcoin and other cryptocurrencies to protect their financial stability. Innovation and Integration Crypto is a rapidly evolving space that fosters innovation in payments, contracts, governance, and more. Unlike banks, which tend to be constrained by legacy infrastructure and regulations. Blockchain startups and communities experiment with decentralized finance (DeFi), smart contracts, and tokenization. Investors view this as an opportunity to be part of a revolutionary shift that is changing capitalism and finance as a whole. The integration of cryptocurrency with emerging technologies, such as artificial intelligence and the Internet of Things, further fuels interest from those seeking exposure to cutting-edge ventures. Challenges Still Exist Despite its advantages, cryptocurrency also carries inherent risks and challenges, including price volatility, regulatory ambiguity, scams, and technological hurdles. Many investors maintain diversified portfolios that blend cryptocurrency with traditional assets to balance these factors. However, the ongoing development of user-friendly wallets, custodial services, and clearer regulations aims to bridge gaps between crypto and traditional finance, potentially strengthening its position as a better alternative to banks in the long term. Crypto vs. Banks: Why Decentralized Finance Wins Investor Confidence Crypto’s appeal as a superior alternative to banks lies in its decentralization, transparency, efficiency, accessibility, and innovation. It empowers investors with more control, faster transactions, and the potential for higher returns, while also offering financial inclusion to the unbanked.  Although challenges remain, the numerous benefits of cryptocurrencies resonate strongly with investors dissatisfied with conventional banking models, explaining why many consider crypto to be superior to banks in today’s evolving financial landscape. FAQ Why Do Many Investors Believe Crypto is Better Than Banks? Investors often prefer crypto because it offers decentralization, transparency, faster transactions, lower fees, privacy, and financial inclusion. Unlike banks, cryptocurrencies put users in full control of their funds. What Does Decentralization Mean in Cryptocurrency? Decentralization means no single institution, like a government or bank, controls the network. Instead, transactions are verified across multiple nodes worldwide, reducing risks of censorship, seizure, or single points of failure. Are Cryptocurrencies More Secure Than Banks? Yes, in certain ways. Blockchains use cryptographic methods and distributed consensus, making them resistant to tampering. However, security depends on user practices too, as losing private keys or falling for scams can still result in losses. Why Are Crypto Transactions Faster Than Bank Transfers? Bank transfers, especially international ones, involve intermediaries and clearing houses, which cause delays. Crypto transactions occur directly between peers on the blockchain, often settling within minutes regardless of geography. Can Cryptocurrencies Help People Without Access to Banks? Absolutely. Anyone with a smartphone and internet can open a crypto wallet, bypassing the strict requirements of traditional banks. This opens financial access to unbanked and underbanked populations worldwide. Do Cryptocurrencies Really Offer Higher Returns Than Banks? Potentially, yes. Crypto markets are highly volatile but can generate significant profits through price surges, DeFi platforms, NFTs, or token projects. By contrast, banks usually offer low, fixed interest rates on savings. Are Crypto Transactions Private? Yes, but privacy varies. Bitcoin offers pseudonymous transactions that are visible but not directly linked to personal identity. Privacy-focused coins like Monero or Zcash go further by obscuring details, appealing to those seeking financial confidentiality. What Makes Crypto More Transparent Than Banks? All blockchain transactions are recorded on a public ledger that anyone can verify. Banks, however, operate with limited transparency, often hiding internal processes, fees, and fund movements from customers.

Sygnia, South Africa’s second-largest multi-manager, with $20 billion in assets under management, has issued a clear warning to investors about its own Bitcoin exchange-traded fund (ETF), Sygnia Life Bitcoin Plus. The fund started trading on the Johannesburg Stock Exchange in June 2024. It follows the performance of BlackRock’s iShares Bitcoin Trust, providing investors with indirect exposure to Bitcoin without requiring them to own the cryptocurrency directly. Sygnia executives are stressing the risks of the ETF, saying that it is a long-term speculative play rather than a core portfolio mainstay. The ETF has seen “very, very significant” inflows since its launch. The Core Warning: Volatility Demands Discipline Bitcoin’s well-known volatility is at the heart of Sygnia’s message. It may wipe out gains overnight and exacerbate losses for those who aren’t prepared. Magda Wierzycka, the CEO, has been very clear about her support for careful integration of cryptocurrencies: “The underlying asset is highly volatile.” You need to be extremely clear about the message and make sure you don’t make promises you can’t keep.  In real life, the company advises that you shouldn’t invest more than 5% of your discretionary assets or retirement annuities in the Sygnia Life Bitcoin Plus ETF. This advice aims to prevent over-allocation, a common mistake associated with high-risk assets. Wierzycka says that Sygnia steps in when clients try to invest too much money in the ETF, which demonstrates a paternalistic approach to managing wealth. “We’re seeing a lot of interest,” she said, but the company thinks Bitcoin is too expensive right now.  This view aligns with how the ETF is structured, as it doesn’t directly own Bitcoin, making it easier to address regulatory and operational issues in South Africa. Instead, it reflects the spot price through a renowned global benchmark, making it easily accessible through regular brokerage accounts. Looking Ahead: Balancing Hype and Prudence Sygnia’s concern underscores the unique characteristics of South Africa’s cryptocurrency market. The country has adopted digital assets thanks to the Financial Sector Conduct Authority’s (FSCA) innovative rules. It has the most advanced economy on the continent. The introduction of crypto ETFs, such as Sygnia Life Bitcoin Plus, is a significant step forward. It allows pension funds and regular investors to access the market without having to deal with offshore exchanges.  However, historical failures, such as Sygnia’s past attempt to create a crypto ETF due to strict regulation, demonstrate the difficulty of navigating the regulatory tightrope. The timing couldn’t be more perfect everywhere. Last week, crypto exchange-traded products worldwide saw $1.9 billion in new capital inflows. Bitcoin ETFs generated the most revenue, with $977 million, followed closely by Ether products, which raised $772 million.  This rise is similar to the positive sentiments expressed by prominent industry figures, such as Arthur Hayes, co-founder of BitMEX, who believes that Bitcoin will reach $250,000 by the end of 2025. Michael Saylor of MicroStrategy believes that it will reach an incredible $21 million per coin by 2042, thanks to more institutions adopting it and fewer coins being available after the halving.

KEY TAKEAWAYS Tax treatment of cryptocurrencies has become one of the most important considerations for investors in 2025, with countries adopting widely different approaches. The UAE, Cayman Islands, Bermuda, Georgia, and El Salvador stand out for offering zero or near-zero taxes on crypto activities, paired with supportive regulatory frameworks. Countries such as Portugal, Germany, Switzerland, and Singapore do not eliminate crypto taxes entirely but provide attractive reliefs for long-term holders, specific activities, or private investors. While Germany and Portugal maintain favorable treatment for long-term holdings, other nations like France and the UK impose clear tax rates ranging from flat percentages to income-dependent brackets. Beyond taxes, factors such as regulatory certainty, residency requirements, investor visa programs, and ongoing compliance obligations play a critical role in deciding whether to relocate or invest in a particular jurisdiction for favourable taxation as a crypto investor.   As cryptocurrencies continue to evolve and reshape the financial landscape, the tax treatment of crypto assets has become a critical consideration for investors worldwide. While some countries impose heavy tax burdens on crypto gains, others have embraced crypto innovation by offering low or zero tax rates, thereby attracting crypto entrepreneurs, investors, and businesses.  This comprehensive article explores which countries have the lowest crypto taxes in 2025, highlighting their tax policies, regulatory environments, lifestyle factors, and residency options for crypto investors seeking tax-efficient jurisdictions. Tax-Free or Low-Tax Crypto Havens Several countries shine as crypto tax havens in 2025, offering zero or minimal taxes on cryptocurrency income, capital gains, or trading activities. These nations combine supportive regulatory frameworks with tax-friendly policies, creating ideal conditions for crypto wealth accumulation. United Arab Emirates (UAE) The UAE has solidified its status as one of the most crypto-friendly jurisdictions globally. It imposes no personal income tax, capital gains tax, or corporate tax on crypto activities across its emirates. The regulatory landscape is clear and progressive, with free zones catering to blockchain companies and investors. The UAE also provides investor and golden visa programs, making it an attractive destination for crypto entrepreneurs seeking legal certainty and tax efficiency. However, living costs can vary widely depending on the emirate. Cayman Islands As a renowned tax haven, the Cayman Islands imposes no income tax, capital gains tax, or corporate taxes on individuals or businesses, including on crypto transactions. This zero-tax environment makes it highly appealing for investors and crypto funds. Yet, prospective residents must contend with a very high cost of living and import duties. Residency requires a meaningful investment, often a significant financial outlay. Bermuda Bermuda likewise levies no taxes on cryptocurrency gains or transactions and was one of the first countries to accept cryptocurrency for paying taxes. The regulatory framework is supportive of blockchain initiatives. However, Bermuda’s very high cost of living is a significant consideration for potential residents. Georgia Georgia presents a surprising crypto tax haven option with no income or capital gains tax on individual crypto sales. The country does not consider crypto gains as “Georgian-sourced,” so capital gains tax is not applied. Corporate tax on businesses holding crypto is 15%. Its low living costs and business incentives attract blockchain startups and crypto enthusiasts. El Salvador El Salvador stands out as a pioneering country for crypto adoption, having made Bitcoin legal tender. It offers full tax exemption on Bitcoin transactions and gains, encouraging both local use and foreign investment. The country’s pro-crypto stance and freedom of passport residency make it a top pick for investors seeking tax relief and adoption benefits. Countries with Conditional or Low Crypto Taxes Not all low-tax countries offer outright tax exemptions; some maintain moderate taxes or tax reliefs based on holding duration or activity type. Portugal Portugal was long considered a crypto tax haven, allowing zero tax on individual crypto gains. However, from 2023, short-term crypto gains are taxed at 28%. Despite this, long-term holders retain favorable tax treatment, and the country offers a “Non-Habitual Residency (NHR)” program with various tax advantages, making it attractive to crypto expats. Germany Germany taxes crypto similarly to other assets, with a key exemption: crypto held for over one year is tax-free for individuals on capital gains. Selling crypto within one year incurs income tax rates up to 45%, depending on income. Germany’s clear tax rules and exemption for long-term holders make it a favorable destination, particularly for buy-and-hold crypto investors. Switzerland While not a tax-free jurisdiction, Switzerland offers a relatively low tax burden on crypto assets, with lump-sum annual taxation based on wealth rather than capital gains. No capital gains tax applies to private investors, making it favorable for crypto wealth management. Swiss cantons vary in tax rates, and the country is known for its stable and transparent financial regulations. Singapore Singapore does not impose capital gains tax on cryptocurrency for individuals. Crypto trading is considered a business activity, and tax applies only if trading is frequent, making it effectively tax-free for holding investors. Singapore also has robust blockchain regulations and a global investor program for residency. Europe’s Crypto Tax Landscape Europe presents a mixed tax landscape for cryptocurrencies, with some countries embracing tax advantages and others enforcing higher rates. France imposes a flat 30% tax on crypto gains and social contributions, with crypto-to-crypto exchanges mostly exempt. Staking, mining, and airdrops are taxable income. The United Kingdom taxes crypto gains at 10% to 20%, depending on income levels, with a capital gains tax allowance of £3,000 in 2025. Many European countries offer tax relief for long-term holdings or require specific reporting to regulate crypto taxation. Taxpayers must ensure compliance to avoid penalties. Asia and Other Regions Several Asian countries, such as Hong Kong, Malaysia, and Oman, have adopted lenient crypto tax policies, often exempting capital gains from taxation. Malaysia, for instance, levies low-income tax rates with a blockchain-positive stance. Meanwhile, jurisdictions like Japan apply high progressive tax rates on crypto gains, reaching up to 55%, discouraging speculative trading. Cost of Living Considerations Crypto tax havens often come with high living costs, which investors should factor in alongside tax savings. Bermuda and the Cayman Islands top the global cost-of-living indexes, whereas countries such as Georgia and Portugal offer more affordable lifestyle options combined with favorable tax treatment. UAE’s cost varies widely depending on the emirate and lifestyle choices. Choosing the Right Crypto Tax Haven for 2025 and Beyond As cryptocurrencies grow in global adoption, tax implications remain a critical factor shaping investor decisions. In 2025, a select group of countries will offer favorable or zero tax treatment on cryptocurrency holdings and gains, fostering crypto innovation and investment-friendly environments.  The UAE, Cayman Islands, Bermuda, Georgia, and El Salvador top the list of true crypto tax havens, while Portugal, Germany, Switzerland, and Singapore provide conditional or moderate tax advantages. Investors should carefully consider each jurisdiction’s tax policies, residency requirements, regulatory frameworks, and cost of living when making relocation or investment decisions. Leveraging these crypto-friendly countries can unlock significant tax savings legally while providing stable, supportive environments to grow digital asset portfolios. Understanding international tax landscapes and complying with local laws ensures risk mitigation and optimizes returns in the increasingly complex and regulated world of cryptocurrency investing. FAQ What is a Crypto Tax Haven? A crypto tax haven is a country that imposes little to no tax on cryptocurrency gains, trades, or income, often attracting investors and businesses seeking tax efficiency. Which Countries Have No Crypto Tax in 2025? The UAE, Cayman Islands, Bermuda, Georgia, and El Salvador stand out as true crypto tax havens with zero or minimal taxes on crypto activities. Do I need to live in a Country to benefit from its Tax-Free Crypto Laws? In most cases, yes. To take advantage of a country’s tax benefits, you typically need legal residency or citizenship, not just a temporary stay.. Which Crypto Haven has the Lowest Cost of Living? Georgia and Portugal are generally more affordable compared to high-cost jurisdictions like Bermuda or the Cayman Islands, making them attractive to crypto investors on tighter budgets. Are There Risks to Moving to a Tax-Free Crypto Country? Yes. Risks include high living costs, regulatory changes, limited infrastructure in smaller nations, and the need to adapt to new residency or cultural requirements. Do Tax-Free Crypto Laws Apply to Corporations and Individuals Equally? Not always. Some countries exempt individuals but still apply corporate tax to businesses dealing with crypto. Others, like the Cayman Islands, are favorable to both. Is Singapore Truly Tax-Free for Crypto? Yes for long-term holders. Singapore doesn’t tax capital gains, but frequent trading may be classified as business activity and subject to income tax. What Should I Consider Before Relocating for Crypto Tax Benefits? Beyond taxes, investors should weigh the cost of living, residency requirements, regulatory stability, banking infrastructure, and lifestyle factors. Can Crypto be Used to Pay Taxes in Any Country? Yes. Bermuda was one of the first countries to allow certain taxes to be paid in cryptocurrency.

Fold said Tuesday it will launch a Visa credit card powered by Stripe Issuing that pays bitcoin rewards on every purchase, a move that sent its shares soaring in pre-market trading before they fell after the open. The Nasdaq-listed company (ticker: FLD) said the card will provide up to 3.5% back on spending, including 2% unlimited instantly and an additional 1.5% for customers who pay balances from a Fold checking account with qualifying activity. It will also feature brand offers of as much as 10% back across a wide merchant network. According to company filings, Fold’s brand partners include major U.S. retailers such as Amazon, Starbucks, and Airbnb, which have previously participated in Fold’s rewards ecosystem. “There are no categories to manage, no tokens to stake, no exchange account or balance requirements,” said Fold chairman and chief executive Will Reeves. “It’s just real bitcoin, earned automatically with every purchase.” The product is part of Fold’s consumer suite, which spans banking, custody, exchange, and debit services. The firm said it has processed $3.1 billion in transaction volume and distributed $83 million in bitcoin rewards to date. Fold, founded in 2014 and initially known for its bitcoin gift card business, pivoted into crypto rewards in 2019 and has since grown to over 500,000 active users, according to internal company metrics shared with investors last quarter. Stripe, which provides the card-issuing infrastructure, has expanded its crypto initiatives this year, including Tempo, a payments-focused blockchain incubated with Paradigm, and partnerships that enabled Shopify merchants to accept USDC through Coinbase. Stripe first entered crypto in 2014 by supporting bitcoin payments but withdrew in 2018 citing volatility. Its re-entry in 2022 through stablecoin rails has made it one of the most influential fintechs bridging traditional payments and blockchain. Visa has also stepped up its digital asset work, reporting an estimated $1 billion in annualized stablecoin settlement volume, about four times higher than earlier in the year. Visa has more than 100 crypto partnerships globally, including with Coinbase, Crypto.com, and Circle, underscoring the rising competition for payments-linked digital asset rewards. After climbing more than 23% in pre-market trading, Fold shares were down about 10% at $3.46 by mid-afternoon. The stock, which debuted on Nasdaq in July 2023 via a direct listing at $8 per share, has struggled to maintain momentum amid broader weakness in U.S. fintech equities.

KEY TAKEAWAYS  Micro Cap cryptos generally have market capitalizations under $50 million, while penny cryptos are priced under $1.  These assets offer a “ground floor” opportunity, similar to how Bitcoin and Ethereum initially began. They often represent cutting-edge areas, such as DeFi, NFTs, blockchain gaming, and decentralized data markets.  Penny and Micro Cap cryptos come with extreme volatility, meaning prices can swing wildly without clear catalysts.  To invest safely in microcap and penny cryptocurrencies, investors should adopt a disciplined strategy built on research, diversification, and risk control.  Micro Cap and penny cryptocurrencies present unique opportunities and high-risk challenges in the crypto market. These small-cap assets, typically priced under $1 or with market capitalizations below $50 million, can potentially deliver outsized returns compared to more established coins.  However, their volatility, liquidity risks, and susceptibility to fraud require a cautious and well-informed investment approach. This article provides a comprehensive guide on how to invest safely in microcap and penny crypto coins, covering key strategies, risks, and evaluation criteria for these high-reward yet high-risk assets. Understanding Micro Cap and Penny Crypto Coins Microcap cryptocurrencies are digital assets with relatively low market capitalizations, often under $50 million, signifying smaller, less established projects. Penny cryptocurrencies, on the other hand, generally refer to coins priced under $1 that appeal to budget investors. Both categories share traits such as high volatility, low liquidity, limited media coverage, and the potential for rapid price swings. While these projects often operate in the early stages, they sometimes introduce innovative technologies or solve niche market problems, which can lead to impressive growth if successful. However, the lack of maturity increases the probability of project failure, making thorough due diligence essential for investors. Why Invest in Micro Cap and Penny Cryptocurrencies? These smaller cryptocurrencies offer early access to new projects, which comprise the “ground floor” of crypto investing that more established assets cannot provide. Their lower entry price allows investors with modest capital to diversify and potentially achieve exponential returns. Many major cryptocurrencies like Bitcoin and Ethereum began as small-cap investments, illustrating the growth potential in this space. Moreover, penny and microcap coins often represent novel sectors within crypto, such as decentralized finance (DeFi), non-fungible tokens (NFTs), blockchain gaming, or decentralized data marketplaces. Investing in these projects supports innovation while offering portfolio diversification. Key Risks to Consider Investors must recognize and manage the significant risks associated with penny and microcap cryptos. These include: High price volatility with frequent sharp price swings, sometimes without clear catalysts. Low liquidity can make buying and selling large amounts difficult without affecting prices. Project failure risks, where the team might fail to deliver technology, lose funding, or face regulatory crackdowns. Potential scams and rug-pulls, where dishonest projects disappear with investors’ funds. Limited transparency and sparse information require more in-depth research to avoid pitfalls. Essential Safety Strategies for Investing Consider the following strategies when investing: Rigorous Research and Due Diligence Before investing, thoroughly investigate the project’s team credentials, technological innovation, roadmap, tokenomics, community engagement, and partnerships. Check publicly available audits, developer activity on platforms like GitHub, and community sentiment on forums such as Reddit and Telegram. Avoid projects lacking a credible team or a clear value proposition. Diversification Spread investments across multiple promising penny or micro cap projects rather than putting all funds into one coin. Diversification helps mitigate the risk of total loss from any single project failure. Building a balanced portfolio within this space increases the chances of capturing winners while limiting potential downsides Use Dollar-Cost Averaging (DCA) To mitigate high volatility, consider investing small, fixed amounts at regular intervals instead of making lump-sum purchases. DCA smooths out price fluctuations and reduces the impact of poor timing on investment returns. Employ Risk Management Tools Use stop-loss orders where possible to automatically sell positions if prices fall below preset thresholds, limiting losses. Set strict investment limits, such as never investing more than you can afford to lose. Platforms like Gate offer options for setting trading limits and stop-loss orders on penny cryptos, enabling investors to actively manage downside risks. Use Reputable Exchanges and Wallets Buy and trade microcap and penny cryptocurrencies on established, trusted exchanges recognized for their security and compliance. Store coins in hardware wallets (cold storage) rather than leaving them on exchanges to reduce hack risks. Always enable two-factor authentication and use secure wallet practices. Stay Updated and Monitor Holdings Due to inherent volatility, regularly review the project’s ongoing developments, market conditions, and coin performance. Be ready to rebalance or exit positions if fundamentals weaken or risk increases. Continuous market awareness helps avoid being caught unaware by adverse events. Recommended Platforms and Coins Here’s a curated list of platforms and coins to consider: Gate.io: Known for listing a broad variety of penny cryptos, Gate offers user-friendly interfaces with features such as recurring purchases, stop-loss orders, and portfolio tracking. It also provides extensive market data and community insights essential for research. Some notable penny cryptocurrencies in 2025 with growth potential include Shiba Inu (SHIB), Floki Inu (FLOKI), WAL (decentralized storage), ORCA (Solana DeFi token), and Bitcoin Hyper (HYPER), which aims to bridge Bitcoin with DeFi utilities. Microcap coins worth researching include Immutable X (IMX) for NFTs, Ocean Protocol (OCEAN) for decentralized data, Thorchain (RUNE) for cross-chain swaps, and Casper Labs (CSPR) for enterprise blockchain. These projects combine innovation with early-stage market caps, offering opportunities and risks typical of microcaps. Evaluating Micro Cap and Penny Crypto Projects Critical factors for evaluating projects safely include: Team and Advisors: Look for teams with relevant blockchain, finance, or technical expertise and transparent backgrounds. Tokenomics: Analyze token distribution, inflation or deflation mechanisms, and utility within the project’s ecosystem to understand long-term value. Use Case and Roadmap: Verify that the project addresses a real problem with a clear, achievable roadmap. Community and Partnerships: Active, engaged communities and reputable partnerships enhance a project’s credibility and potential. Liquidity and Exchange Listings: Ensure the coin is tradable with sufficient liquidity to enter and exit positions smoothly. Navigating the High-Risk, High-Reward World of Penny and Micro Cap Cryptos Investing in microcap and penny cryptocurrencies in 2025 presents a compelling yet challenging frontier. With their high growth potential, these coins attract speculative investors ready for volatility and risk. To invest safely, rigorous research, diversification, disciplined risk management, and the use of reputable platforms are essential.  Implementing strategies like dollar-cost averaging and stop-loss orders, coupled with ongoing portfolio monitoring, can help mitigate risks as investors seek gems with transformative potential. By approaching penny and microcap crypto investments with caution and informed strategies, investors may capitalize on exciting new blockchain innovations while protecting their capital. A balanced, knowledge-driven investment framework is key to navigating this high-risk, high-reward crypto segment. FAQ What Exactly Qualifies as a Micro Cap or Penny Cryptocurrency? Micro cap cryptos usually have market capitalizations under $50 million, while penny cryptos are typically priced under $1. Both are considered small, speculative projects with high volatility. Why Do Investors Buy Penny and Micro Cap Coins Instead of Established Ones like Bitcoin or Ethereum? They offer a chance to get in early on emerging projects at a low entry price. If successful, these coins can generate exponential returns that larger, established cryptos cannot. What are the Biggest Risks of Investing in Penny and Micro Cap Cryptocurrencies? Risks include extreme price swings, low liquidity, project failures, scams or rug pulls, and limited transparency. Investors can lose most or all of their capital if they are not cautious. How Can I Evaluate Whether a Micro Cap Crypto Project is Legitimate? Review the project’s whitepaper, team credentials, tokenomics, roadmap, community engagement, and audit reports. Lack of transparency, anonymous teams, or unrealistic promises are red flags. Are There Safe Strategies for Investing in These High-Risk Assets? Yes. Diversify across multiple projects, use dollar-cost averaging, set stop-loss orders, and never invest more than you can afford to lose. Always use reputable exchanges and secure wallets. Which Platforms are Best for Buying Penny Cryptos in 2025? Gate.io is highlighted for its wide listings, but trusted exchanges like Binance, KuCoin, and Crypto.com also list smaller coins. Always verify liquidity before investing. Should Beginners Invest in Micro Cap and Penny Cryptocurrencies? Beginners should approach with caution. It’s best to first build a foundation in established cryptos, understand wallet security, and practice risk management before venturing into high-risk penny cryptos.

Wall Street Giant Deepens Crypto Push Morgan Stanley is taking a major step into digital assets, both investing in crypto infrastructure startup Zerohash and preparing to launch trading in Bitcoin, Ethereum, and Solana for its E-Trade clients. The move, confirmed by Bloomberg and CNBC reports, signals that one of Wall Street’s most influential institutions is ready to integrate crypto into its core retail brokerage offering.Zerohash announced Tuesday that it raised $104 million in a Series D-2 round led by Interactive Brokers, with participation from SoFi, Apollo-managed funds, and Jump Crypto. Morgan Stanley joined the raise, pushing the startup’s valuation to $1 billion and officially making it a unicorn. The firm specializes in blockchain-based infrastructure for fiat, stablecoins, and digital assets delivered through APIs that allow brokerages and fintechs to embed crypto into their platforms.At the same time, Morgan Stanley will tap Zerohash’s infrastructure to power its upcoming crypto rollout for E-Trade. The plan is to enable direct trading of BTC, ETH, and SOL for millions of retail clients in what the bank calls “phase one” of a broader strategy. Rivals like Robinhood already offer crypto access, and Morgan Stanley’s move reflects growing pressure among traditional brokerages to match those features. Investor Takeaway Morgan Stanley’s E-Trade crypto launch could reshape the competitive landscape, bringing digital assets to a mainstream U.S. retail investor base under the umbrella of a global bank. Why This Funding Round Matters Zerohash’s $104 million raise comes amid a wave of institutional interest in blockchain infrastructure. Interactive Brokers’ lead role underscores how incumbent financial firms are accelerating adoption by investing in back-end providers rather than building technology from scratch. With SoFi, Apollo, and Jump Crypto also joining the round, the cap table reflects a blend of traditional finance and crypto-native capital betting on institutional integration. “Every financial institution is looking to provide access to the crypto asset class and innovate with this technology at scale,” said Zerohash CFO Adam Berg. “I’ve recently met with multiple large bank CEOs and financial services executives, many of whom said they are spending more than 50% of their time driving on-chain innovation at their firms.” The company’s infrastructure is already used to support fiat-to-crypto transactions, stablecoin settlement, and custody services. With Morgan Stanley as both an investor and client, Zerohash gains validation from one of the most risk-averse segments of the financial industry. The unicorn valuation signals confidence that the market for compliant crypto infrastructure is expanding rapidly as regulatory barriers ease. Morgan Stanley’s Evolution in Digital Assets Morgan Stanley has historically approached crypto cautiously. Its exposure was mostly limited to investments in Bitcoin or Bitcoin ETFs, as well as select venture bets like its 2021 co-lead of a $48 million Series B round in Securitize, a tokenization platform. Allowing E-Trade’s retail clients to trade major cryptocurrencies directly marks a more aggressive step toward mainstream adoption. Jed Finn, Morgan Stanley’s head of wealth management, told Bloomberg: “The underlying technology has been proven and blockchain-based infrastructure is obviously here to stay. Clients should have access to digitized assets, traditional assets, and cryptocurrencies, all in the same ecosystem that they’re used to.” The new offering will place E-Trade alongside competitors like Robinhood and PayPal, which already provide access to crypto assets. For Morgan Stanley, integrating crypto trading within its regulated brokerage environment could appeal to clients who want digital asset exposure without leaving their primary financial ecosystem. Investor Takeaway Morgan Stanley’s move is both defensive and opportunistic: defensive against Robinhood’s head start, opportunistic in capturing retail demand under a compliance-first brand. Regulatory Tailwinds and Market Implications The expansion comes during a period of renewed momentum for digital assets in the U.S. Since the Trump administration took office earlier this year, industry executives say regulatory obstacles have eased, encouraging innovation and investment. Approval of spot Bitcoin ETFs, rising institutional flows, and landmark IPOs from Circle, Bullish, and Gemini have reset expectations for how crypto integrates with mainstream finance. Morgan Stanley’s bet on Zerohash and its retail rollout illustrates how traditional financial firms are no longer content to sit on the sidelines. Instead, they are embedding crypto trading within existing platforms and partnerships, avoiding the reputational and operational risks of building from scratch. For Zerohash, the Series D-2 round not only secures growth capital but also positions it at the center of Wall Street’s next wave of digital asset adoption. The coming months will determine how smoothly E-Trade’s crypto integration unfolds and whether Morgan Stanley can differentiate its offering from existing platforms. But the signal is clear: one of America’s largest banks now views direct crypto access for retail clients not as optional, but as necessary.

KEY TAKEAWAYS Crypto launchpads (e.g., Binance Launchpad, DAO Maker, Polkastarter, Seedify, Best Wallet) provide early access to ICOs, IEOs, and IDOs with project vetting and token distribution to catch gems before they launch. Aggregator sites & calendars like CoinMarketCap, CoinGecko, and CryptoRank track upcoming token launches, ICOs, tokenomics, and exchange listings, giving investors a catalog of fresh projects to observe and study. Blockchain developer platforms such as GitHub and tools like Token Terminal let investors monitor real development activity, commit frequency, and innovation signals surrounding prospective projects to catch them early. Crypto communities & social media are great places for investors to get early insights, though hype around these projects often requires verification to avoid pump-and-dump risks. NFT, DeFi, and gaming ecosystems often incubate early-stage tokens with strong use cases and active community activities. In the dynamic world of cryptocurrency, discovering early-stage crypto projects can offer significant investment opportunities, often akin to getting in on the ground floor of a startup that later becomes a powerhouse.  However, navigating this landscape requires keen insight, reliable sources, and thorough due diligence. This article explores the best places to find promising early-stage crypto projects in 2025, offering strategies and platforms trusted by investors and enthusiasts. Crypto Launchpads and Token Launch Platforms Crypto launchpads have become essential hubs for new projects seeking to raise funds and distribute tokens before listing on major exchanges. Platforms like Binance Launchpad, DAO Maker, Polkastarter, Seedify, and Best Wallet’s Upcoming Tokens feature provide curated access to Initial Coin Offerings (ICOs), Initial Exchange Offerings (IEOs), and Initial DEX Offerings (IDOs).  These platforms allow investors to participate early, often requiring staking the platform’s native tokens or engaging in promotional activities to earn token allocations. Launchpads often vet projects for legitimacy and potential, offering a level of security not always present in the wider crypto market.  They also provide detailed information such as whitepapers, roadmaps, audit statuses, and community metrics, enabling investors to make informed decisions. Accessing these launchpads usually involves connecting wallets like MetaMask and following platform-specific participation rules. Coin Listing Calendars and Aggregator Sites Popular cryptocurrency aggregator websites serve as vital tools for tracking new and upcoming crypto projects. CoinMarketCap, CoinGecko, and CryptoRank list forthcoming token launches, provide ICO calendars, and deliver valuable insights into tokenomics, exchange listings, and market interest.  These platforms include filters to help investors identify coins based on criteria such as trading volume, launch date, or project sector. Such aggregator sites are also useful for monitoring coin watchlists, helping gauge community interest and early investor sentiment.  While these sources offer convenience and breadth, it remains crucial to cross-check projects against dedicated research and due diligence reports to avoid falling prey to scams or overhyped tokens. Blockchain Development Platforms and GitHub For investors who prefer going straight to the source, tracking blockchain development platforms and repositories like GitHub can provide early access to cutting-edge projects still in development. By monitoring developer activity, such as commit frequency, proposed upgrades, and participation from reputable developers, investors can identify projects showing genuine innovation and progress. Tools like Token Terminal further help in evaluating active blockchain projects by analyzing on-chain data and developer engagement metrics. Following development trends can uncover opportunities before they hit mainstream launchpads or listing sites, but this approach requires technical knowledge and the ability to interpret development signals effectively. Crypto Communities and Social Media Groups Community-driven platforms are vital in crypto project discovery. Telegram, Discord, and Reddit communities, especially specialized groups like r/CryptoMoonShots, regularly discuss emerging projects, share alpha (early intelligence), and debate their prospects. Active participation in these communities can provide insider knowledge and early alerts on promising crypto ventures. Industry influencers and experts on Twitter and Telegram often reveal new projects or offer analyses that can signal emerging trends. However, community hype can sometimes lead to bias or pump-and-dump schemes, so verifying information independently through official channels and project documentation is essential. NFT, Gaming, and DeFi Ecosystems Many early-stage crypto projects arise from innovations within ecosystems like NFTs, blockchain gaming, and decentralized finance (DeFi). By closely following developments and token launches in these sectors, investors can spot projects with strong use cases and community support. Participation in testnets, beta releases, or governance forums linked to these ecosystems may grant early adopters free or discounted tokens, potentially leading to substantial upside. These sectors are often interconnected, with tokens gaining utility and governance roles within expanding decentralized applications, enhancing their long-term prospects. Evaluating Early-Stage Crypto Projects Finding early-stage crypto projects is just the first step; rigorous evaluation is indispensable. Examining the whitepaper provides insight into the project’s use case, tokenomics structure, team credentials, roadmap, and community engagement. Transparent and experienced teams with clear development goals and fair token distribution models are positive signs. Token economics or tokenomics, including supply mechanisms (fixed, inflationary, deflationary), staking rewards, and governance features, significantly influence project viability. Studies of token lock-up periods, audit reports from firms like CertiK, and community growth on social media platforms give further assurance against scams. Where to Buy Early-Stage Tokens Once identified, early-stage crypto tokens can often be purchased on decentralized exchanges (DEXs) like Uniswap, PancakeSwap, and SushiSwap, which facilitate peer-to-peer trading of new tokens. These platforms generally require connecting non-custodial wallets and interacting with smart contracts directly. Centralized exchanges (CEXs) such as Binance, KuCoin, and Crypto.com also host token launches through their specialized platforms like Binance Launchpad or KuCoin Spotlight, offering more user-friendly interfaces and greater liquidity but often imposing KYC requirements. Peer-to-peer (P2P) transactions and over-the-counter (OTC) deals provide alternative routes for acquiring tokens but come with increased risks related to liquidity and trust, making escrow services advisable when using these methods. Balancing Opportunity and Caution in Early-Stage Crypto Investing Finding the best early-stage crypto projects requires leveraging multiple sources from launchpads and aggregator sites to communities and developer platforms. Each venue offers unique advantages and insights, but investors should emphasize thorough research and prudence due to the high risks involved. By combining technology tools, community intelligence, and careful evaluation practices, one can better navigate the vibrant and fast-moving world of early-stage crypto investing for potential high returns. This comprehensive approach ensures a balance between opportunity and caution, helping investors engage confidently with the next wave of crypto innovation while minimizing exposure to pitfalls and scams. FAQ What is the Safest Way to Find Early-Stage Crypto Projects? Use vetted launchpads and reputable aggregator sites; they provide curated listings, audits, and project documentation to reduce risk. How do Crypto Launchpads Work? Launchpads allow early investment in projects via ICOs, IDOs, or IEOs. Investors usually stake platform tokens or complete tasks to qualify for allocations. Why Use Aggregator Sites like CoinMarketCap or CoinGecko? They track upcoming projects, ICO calendars, tokenomics, and exchange listings, making it easier to compare multiple projects quickly. Can Monitoring GitHub Really Help in Finding Good Projects? Yes. Developer activity on GitHub shows whether a project is actively maintained and progressing, helping investors spot innovation before mainstream exposure. Which Sectors Produce the Most Early-Stage Tokens? NFTs, gaming, and DeFi are key innovation hubs where many promising early-stage crypto projects emerge. Where Can I Buy Early-Stage Crypto Tokens? On decentralized exchanges (DEXs) like Uniswap, PancakeSwap, or SushiSwap, and centralized exchanges (CEXs) like Binance or KuCoin. OTC and P2P deals exist but carry a higher risk. How do I Evaluate Whether a Project is Worth Investing in? Check the whitepaper, tokenomics, team experience, audits, community strength, and roadmap. Red flags include anonymous teams, unclear token distribution, and no audit reports.

Hamburg-based NAGA Group (XETR: N4G) said Tuesday it will roll out its next-generation financial app, NAGA ONE, later this year, folding payments, investing and trading into a single platform as the company seeks to broaden its global reach after last year’s merger with CAPEX.com. The app, due in the fourth quarter, will replace NAGA Pay, the group’s existing payments service. It will offer personal bank accounts with IBANs, physical and virtual debit cards, peer-to-peer transfers and instant funding of trading accounts. A crypto wallet, spot exchange and staking services are planned for later phases. The announcement places NAGA among a widening field of fintechs trying to build all-in-one “super apps,” a model popularized in Asia and increasingly pursued in Europe as trading firms look for ways to lock in customers with broader ecosystems. From SwipeStox to Super App NAGA’s roots lie in social trading. The company was founded in 2015 by German entrepreneur Benjamin Bilski and gained early attention with SwipeStox, a “Tinder-for-traders” app. It listed in Frankfurt in 2017, raising capital for expansion and launching an initial coin offering for its own NAGA Coin at the height of the crypto boom. Chinese conglomerate Fosun International backed NAGA that same year with a €12.5 million investment. Over the years the group pushed into payments with NAGA Pay, launched in 2021 with Visa debit cards, and into digital assets with NAGAX, a crypto trading and wallet platform launched in 2022. Those efforts set the stage for Tuesday’s consolidation into a single app. The strategic pivot gained fresh momentum after NAGA merged in 2024 with Key Way Group, the parent of CAPEX.com. The deal brought together about 1.5 million users across more than 100 countries and created what NAGA described as a “neo-broker” with multiple regulatory licenses. CAPEX founder Octavian Pătrașcu took over as NAGA chief executive, and the group projected €9 million in annual cost synergies from the combination. Since then, NAGA has rolled out new investment products such as direct access to more than 3,000 global stocks and ETFs, access to exchanges in the Gulf and Eastern Europe, and partnerships with analytics providers like TipRanks. It also launched NAGA Earn, a service paying daily interest on idle cash balances via money market funds. Regulatory Challenges NAGA’s rapid growth has not been without friction. In late 2023, its Cyprus subsidiary agreed to pay €150,000 to settle historical compliance breaches identified by the island’s securities regulator. While the firm did not admit wrongdoing, the episode highlighted the scrutiny facing high-growth brokers operating across multiple jurisdictions. That context helps explain why NAGA is staggering the rollout of crypto features inside ONE rather than bundling them into the launch product. NAGA said its app will include AI-driven “agents” to help users filter market information and a “Trading Super Assistant” slated for 2026 to guide risk management and analysis. The company will need to prove the new platform can deliver on its promise of tighter integration while navigating the regulatory complexities of offering payments, trading and crypto under one roof. For Pătrașcu and his team, the launch of ONE is more than a product refresh. It is the first public test of whether NAGA, after absorbing CAPEX, can deliver a global platform that competes with the likes of Revolut and eToro in building a financial ecosystem around retail traders.

Hanoi, Vietnam, has announced a five-year pilot program to establish a fully regulated cryptocurrency market. This is a significant step toward integrating digital assets into its expanding economy. This move brings an end to years of unclear regulations, making the Southeast Asian country a forward-thinking hub for blockchain innovation and financial inclusivity. The initiative, which was approved by Resolution 05/NQ-CP and builds on the new Law on Digital Technology Industry, formally acknowledges cryptocurrencies as tangible digital assets. It starts on January 1, 2026, and establishes a structured framework to encourage innovation while mitigating risks such as money laundering and illicit funding. These are the issues that led Vietnam to be placed on the Financial Action Task Force’s (FATF) grey list in 2023. Core Framework: Blockchain Backbone and Licensed Platforms The State Bank of Vietnam (SBV) is responsible for a strict licensing system that is at the heart of the pilot. Exchanges and brokers that offer cryptocurrency services must obtain permission from the government and maintain a minimum charter capital of at least VND 10,000 billion (approximately $400 million). To protect national security and control, foreign ownership in these companies is limited to 49%. One of the best aspects of it is that it utilizes NDAChain, Vietnam’s national blockchain platform, as the secure infrastructure for all transactions. NDAChain makes it easy to tokenize traditional assets, such as bonds and carbon credits. It also allows you to send money around the clock at a low cost using regulated stablecoins.  It also features a single identity verification system and shared data repositories, which simplify processes such as issuing, paying, and transferring ownership. This system not only makes it easier for businesses to pay bills and settle invoices, but it also ensures that all transactions are conducted in Vietnamese dong, thereby reducing the risk of currency fluctuations. To facilitate the first rollout, only overseas investors are allowed to trade, allowing the system to grow without overloading domestic markets. Licensed operators will gradually add custody, payment processing, and lending services to their offerings, thereby building a robust ecosystem for digital finance. Goals for the future: Taming a $100 Billion Wild West Vietnam’s crypto market has been operating in a shady US$100 billion market for more than ten years, with significant activity occurring on unregulated international platforms. The pilot’s goal is to recover this volume by enforcing anti-money laundering (AML) and counter-terrorism financing (CTF) requirements. This directly addresses FATF concerns and could speed up Vietnam’s removal from the grey list. Experts say the move will revolutionize the game. “Exchanges and brokers that got their licenses early could take in trading volume, fees, and useful market data that are now going to overseas platforms,” said Michael Kokalari, director of macroeconomic analysis at VinaCapital. The program aims to attract billions of dollars in foreign direct investment, create jobs in fintech, and connect Vietnam to the global Web3 economy by establishing a legal framework for investments. A Plan for Digital Wealth in the Future During the five-year experiment, Vietnam’s authorities will monitor key indicators, including transaction volumes, compliance rates, and economic contributions, to refine the model. If this works, it could lead to similar changes in other ASEAN countries, where people are increasingly using cryptocurrency, despite the government’s hesitation to regulate it. This ambitious project demonstrates how Vietnam is transitioning from a manufacturing powerhouse to a digital leader. The country is not only regulating cryptocurrency but also rethinking its financial future by striking a balance between innovation and oversight.

Jamie Dimon, the CEO of JPMorgan Chase, has added a note of caution to talks about the direction of the Federal Reserve’s monetary policy. Dimon said in a recent interview that inflation may stay high for longer than expected, which means that the central bank would have to keep interest rates stable for longer. He said that it would be hard to lower rates further if inflation stayed around 3%. Dimon said, “If inflation doesn’t go away, it will be hard for the Fed to cut more.” This shows that he thinks the current level feels “a little bit stuck.” This point of view is very different from what most people in the market think, which is that rapid easing is already priced in. Investors are hoping for up to five quarter-point cuts in the next year, thanks to the Fed’s recent 25-basis-point cut, which was the first in 2025 and pushed Bitcoin above $117,500 for the first time in almost a month. The CME FedWatch and other tools show that people predict more cuts in late October and early December.  The Fed’s own projections say there will be two more cuts before the end of the year and one in 2026. Dimon, on the other hand, tries to calm this excitement by noting that there are underlying pressures that could make prices go up instead of down. He said, “Again, I can give you some reasons why it’s going to go up, not down,” and pointed to things like problems with the supply chain, conflicts between countries, and rising wages that might start inflationary spirals again. Dimon’s comments came as new U.S. data showed that consumer prices rose by 0.4% in August, which is a 2.9% annual gain that is still above the Fed’s 2% target. This unpredictability makes it harder for him to make predictions for the big bank he runs. Higher-for-longer rates could make it more expensive for people and businesses to borrow money, which could slow the growth of loans and profits at JPMorgan.  However, Dimon is still hopeful about the economy as a whole. He hopes for “decent growth” that might let the Fed drop rates without sending the nation into a recession. This balanced view fits with his long-standing reputation as a voice of reason in the financial world, where he often puts resilience ahead of excitement. Unfazed by Stablecoins: A Pragmatic Embrace When it came to cryptocurrencies, Dimon downplayed worries about stablecoins, which are digital assets that are linked to the dollar and have become more critical since Congress approved new regulations. He said, “I’m not really worried about them,” and instead stressed how important it is for banks to stay aware and take action. Stablecoins are meant to keep their value at $1, and they have been popular for cross-border payments and as a way to protect against volatility. However, they have also come under fire for the threats they pose to traditional banking. Dimon said that people would want to possess dollars through a stablecoin outside the US, from evil men to good guys to those nations where it’s probably preferable to have dollars and not put them in the banking system. This reference to real-world use, from sanctioned groups getting around controls to developing countries looking for dollar stability, shows how stablecoins may be both good and bad. He asked if they were necessary for central banks to pay debts between banks, saying, “I’m not sure central banks need to use it among themselves so that it will develop over time.” JPMorgan itself is not just a bystander in this area, which is interesting. The company has been a leader in trying out blockchain technologies, even creating its own JPM Coin for institutional clients. Dimon said that the banking industry is “looking at whether they should have a consortium” to launch a shared token. This shows that they are moving away from outright rejection and toward integration. This comes as industry organizations push for stronger rules, saying that present loopholes, such as issuers giving yields, might take deposits away from banks and threaten the stability of the whole system.

Samsung has partnered with Galeon, a cutting-edge decentralized science (DeSci) and healthcare AI system, to change the way medical technology works. This partnership is centered on leveraging Web3 principles to enhance AI-powered healthcare solutions, while prioritizing data protection and accessibility.  The alliance between Samsung and Galeon promises to provide hospitals and providers with tools that make medical information accessible to everyone without compromising patient privacy. This is possible due to Samsung’s strong hardware expertise and Galeon’s cutting-edge software ecosystem.  The partnership was recently announced, demonstrating their prompt response to the growing need for safe and scalable management of health data. As healthcare institutions worldwide grapple with privacy regulations and data silos, this project stands out as a model for the ethical use of AI in medicine. Primary Goals: AI Training with Privacy in Mind This agreement is based on a promise to make medical data more accessible while protecting people’s privacy. In healthcare, traditional AI models often require centralized data pools, which raises concerns about privacy and access control. Samsung and Galeon are changing the game by enabling providers to train AI algorithms on distributed datasets without ever consolidating sensitive patient data in one location. Galeon’s infrastructure ensures that each institution retains custody of its own data and that it is anonymized before any processing. This decentralized method utilizes blockchain for on-chain AI activities, enabling the full tracking of how algorithms behave. Loïc Brotons, CEO of Galeon, said, “The data itself is not stored on-chain; only the AI algorithm operates on-chain with full traceability of how the algorithm is operating.”  This strategy not only adheres to international privacy rules but also facilitates model training across networks, which accelerates the development of new ideas in diagnosis and treatment planning. Bridging Hardware and Blockchain: Integrating Technology The magic happens when Samsung and Galeon work together on a technical level. Galeon’s electronic health record (EHR) platform is now fully compatible with Samsung’s modern ultrasound equipment. This enables the collection and analysis of data in real-time.  This integration is already working in 18 hospitals in France that are connected. Some of the most well-known ones include Rouen University Hospital, Caen University Hospital, Toulon Hospital, and Sud Francilien Hospital. Galeon offers a suite of AI technologies designed to enhance clinical efficiency, including an automated invoicing system for medical services, AI-generated summaries of consultations, and a new speech-to-text function for transcribing patient interactions.  These apps utilize DeSci protocols to verify AI decisions on the blockchain, thereby reducing errors and fostering trust in automated processes. Samsung’s technology provides high-fidelity imaging data that is directly integrated into these algorithms to enhance predictive analytics for conditions such as heart disease or prenatal care. Effects on the Real World and Bigger Issues There are clear benefits to this relationship from the outset. Doctors at the pilot hospitals report that AI summaries have simplified workflows, reducing the time spent on paperwork by up to 30% and improving billing accuracy.  Brotons stresses that the system is “already making an impact” because it provides smaller facilities with access to advanced AI without requiring a significant investment in equipment. In the future, this concept could spread beyond France and have a global impact on norms for decentralized healthcare.

Major Institutions Back Series C Fnality, the London-based blockchain payments company, has raised $136 million in a Series C round led by WisdomTree, Bank of America, Citi, KBC Group, Temasek, and Tradeweb. Returning backers included Goldman Sachs, Santander, Barclays, BNP Paribas, UBS, and other leading financial institutions. The fresh capital brings Fnality’s total funding since 2019 to over $280 million.Fnality specializes in wholesale settlement systems tied directly to central bank reserves, providing a bridge between traditional finance and tokenized markets. The company’s sterling-denominated Fnality Payment System (£FnPS), launched in December 2023, enables banks to settle transactions in digital assets backed 1:1 by funds held at the Bank of England.CEO Michelle Neal described the raise as proof of a shared conviction among leading market players that “the future of money demands a new foundation.” She added that Fnality’s blockchain-based settlement network offers 24/7 payment rails, real-time settlement, and liquidity enhancements that traditional systems lack. Investor Takeaway Fnality’s Series C reinforces the institutional push to integrate tokenized settlement systems into mainstream finance. Its central-bank-linked rails could become critical infrastructure for tokenized assets. Expanding Into USD and EUR Settlement With its new funding, Fnality plans to scale operations beyond sterling into U.S. dollar and euro markets, subject to regulatory approvals. The company will also build liquidity tools, onchain workflows, and interoperability with stablecoins and tokenized deposits. This expansion is designed to support the growing number of banks piloting tokenization projects, such as JPMorgan’s deposit token experiments and HSBC’s tokenized deposit services. Fnality’s pitch is clear: provide a neutral, central-bank-money settlement layer that connects diverse tokenization initiatives. By anchoring transactions to reserves held at trusted central banks, the firm aims to address concerns about counterparty risk and fragmented liquidity in digital asset markets. Industry executives see broad potential. WisdomTree CEO Jonathan Steinberg called Fnality’s network a “critical foundation for tokenized finance,” while Citi’s head of digital strategy Deepak Mehra said it aligns with Citi’s mission to build interoperable payment systems for digital assets. Positioning in the Tokenization Race The Series C highlights growing institutional momentum behind blockchain-based financial infrastructure. Global market operators and banks are investing heavily in tokenization pilots, from repo markets to equities and bond settlements. Fnality’s real-time settlement capability, backed by central bank funds, provides the credibility and regulatory alignment that institutions seek. In 2023, Fnality raised $95 million in a round led by Goldman Sachs and BNP Paribas, with support from Euroclear, DTCC, WisdomTree, and Nomura. An earlier $67 million round in 2019 supported development of the Utility Settlement Coin, the precursor to today’s Fnality platform. With the latest financing, the firm has more than doubled its capital base to pursue its cross-currency vision. Competitors are also advancing. Last week, Google announced an open-source protocol allowing AI applications to transact using stablecoins, developed in collaboration with Coinbase, Salesforce, and American Express. Meanwhile, SBI Shinsei Bank partnered with Singapore’s Partior and Japan’s DeCurret DCP to explore multi-currency tokenized deposits. These moves reflect the accelerating race to connect traditional and digital finance through blockchain-based rails. Investor Takeaway Fnality’s backers include some of the largest global banks. If it secures regulatory approvals for USD and EUR systems, it could become the default infrastructure for tokenized bonds, equities, and repo markets. What Comes Next for Fnality Fnality’s roadmap includes expanding its settlement network across major currencies, securing interoperability with stablecoins and tokenized deposits, and developing liquidity management tools for institutions. The firm is also working toward additional regulatory approvals to scale in key jurisdictions.

What is Bubblemaps’ Intel Desk and how does it work? In a bold move to combat crypto scams and shady token launches, Bubblemaps has unveiled Intel Desk — a community-led platform that transforms crowd-sourced sleuthing into rewarded, structured investigations. Intel Desk serves as a real-time onchain investigation hub, where everyday traders, analysts, and professionals can publish evidence, expose suspicious wallet behavior, and flag potential scams. Rather than letting critical intel get lost in fleeting X (Twitter) threads, Bubblemaps offers a permanent, searchable, and incentivized infrastructure — complete with its own $BMT-powered reputation and rewards system. Investor Takeaway Intel Desk turns crypto community vigilance into a structured intelligence layer — rewarding contributors in $BMT for exposing scams, rugs, and insider abuse in real time. Why is Bubblemaps launching Intel Desk now? The crypto ecosystem is seeing an explosion in token launches, with thousands of new assets appearing monthly across Solana, Ethereum, Base, and beyond. But onchain intelligence infrastructure hasn’t scaled accordingly. While security firms like Chainalysis provide enterprise-grade tools, there remains a massive gap in public-facing, real-time investigative infrastructure. Intel Desk fills that void by: Empowering the community to flag threats faster than centralized entities Consolidating scattered intelligence into a verified, transparent hub Rewarding vigilance with $BMT incentives and visibility-based rankings This launch comes amid renewed scrutiny around rug pulls, pre-mined tokens, influencer shills, and exploitable contracts — with many cases only uncovered through manual digging on social media. Intel Desk gives sleuths a permanent home and a path to recognition. Investor Takeaway Intel Desk addresses crypto’s urgent need for a real-time threat detection network — filling a transparency gap left by slow-moving analytics providers. How does $BMT staking power Intel Desk? At the heart of Intel Desk’s incentive engine is the $BMT token. Users stake BMT to vote on which investigations deserve more visibility. This staking mechanism serves as both a curation filter and an impact amplifier: More BMT staked = higher visibility for the case Rewards scale based on reach, timeliness, and reputation Quality ranking system boosts verified content, filters spam Intel Desk also plans to introduce bounty rounds funded in $BMT. These allow the community to fund high-priority investigations — such as wallet clustering for a new exploit, or tracing insider token movements — and reward those who complete them. Investor Takeaway $BMT powers a transparent voting and bounty system, ensuring the most impactful fraud investigations receive visibility, funding, and community rewards. Who is Intel Desk for — and who benefits? Intel Desk is open to both seasoned researchers and casual Bubblemaps users. Its mission is to democratize onchain intelligence while raising the quality bar. Early contributors may include: Crypto sleuths like ZachXBT and on-chain analysts Data-curious DeFi traders who flag anomalies Communities wanting transparency around tokenomics and insider allocations Importantly, Intel Desk is not just for reporting — it creates permanent records of wallet behaviors, project actions, token flows, and exploit histories. These reports can be referenced by exchanges, protocols, auditors, or journalists. Think of it as a “Wikipedia of Crypto Scams”, ranked by crowdsourced credibility. Investor Takeaway Intel Desk empowers users at all levels to contribute to crypto security — whether through reports, voting, or bounties — creating a public archive of onchain accountability. What real cases prove this model works? Bubblemaps cites numerous examples where community sleuthing outpaced traditional analytics firms: The Bybit exploit was traced to specific wallets before official announcements Hayden Davis wallet activity was exposed by users and cross-referenced via Bubblemaps graphs “Hawk Tuah Girl” meme coin launch was revealed as an insider-dominated rug using community graphs Intel Desk transforms these threads into structured case files. Each includes evidence, wallet addresses, token flows, timestamps, and cross-links to Bubblemaps visualizations — building a forensic-grade trail of proof. Investor Takeaway Intel Desk builds on proven patterns of crowdsourced fraud detection, turning high-signal threads into permanent, traceable investigations. How will this reshape onchain transparency? As more value migrates onchain, trust infrastructure becomes mission-critical. Yet unlike traditional finance, crypto lacks real-time enforcement, audit standards, or media oversight. Intel Desk positions itself as the missing layer — a living transparency engine powered by open data and open incentives. This initiative also: Provides DeFi protocols with community-vetted threat intelligence Gives exchanges a pre-listing fraud screening resource Encourages project founders to maintain cleaner launch behaviors In time, Intel Desk could become the de facto registry of onchain misconduct — helping institutional allocators, insurers, and regulators assess risk with precision and traceability. Investor Takeaway Intel Desk is poised to become crypto’s first real-time, crowdsourced fraud intelligence platform — powering trust and accountability across DeFi and beyond. What’s next for Bubblemaps and Intel Desk? Intel Desk launches in September with core features live and $BMT incentives enabled. Planned upgrades include: Case NFTs to record and timestamp verified submissions Multichain threat mapping across Solana, Base, Arbitrum API access for wallets, explorers, and exchanges Governance modules for curating the future of transparency tools Bubblemaps, known for its token distribution visualizations, is evolving into a full-stack onchain intelligence suite. Intel Desk is the logical next step — extending the company’s mission from graphing anomalies to mobilizing action. Investor Takeaway With Intel Desk, Bubblemaps transitions from data visualization to active security infrastructure — signaling deeper engagement with the onchain trust stack.

Yesterday, it was announced that leading chipmaker Nvidia and prominent artificial intelligence research laboratory OpenAI have entered into a strategic partnership, under which Nvidia will invest $100 billion in OpenAI. As part of this initiative, a network of data centres will be established to train and operate the most advanced AI models: → the network will utilise Nvidia’s next-generation Vera Rubin platform; → the total capacity of the network is unprecedented, reaching 10 gigawatts; → the first phase of the project is expected to launch in the second half of 2026. Nvidia (NVDA) shares reacted strongly to the announcement. During trading on Monday, 22 September, the company’s stock price jumped approximately 4%, climbing past $184.30 at yesterday’s high, marking a new all-time record as shown on the chart. The chipmaker’s market capitalisation approached $4.5 trillion, reinforcing its position as the most valuable company in the world. Technical Analysis of Nvidia (NVDA) Chart In our previous analysis on 1 September, we: → plotted an ascending channel capturing NVDA’s price movements following the bullish impulse at the end of June; → noted several unsuccessful attempts by bulls to break the $183 resistance level, which suggested a potential Triple Top pattern (1-2-3); → assumed that bears were exerting pressure on the overvalued stock and considered a possible correction scenario. Since that analysis, the stock price corrected to $165 before resuming its upward trend (indicated with a broken arrow). The new data allow us to: → expand the channel (shown in blue) while maintaining its slope, adding QH and QL lines to divide the channel into quarters; → plot the trajectory of the previous correction (shown in red). Within this context, it is reasonable to observe that: → NVDA found support at the QL line and moved toward the midline; → the red lines form a Bullish Flag pattern; → yesterday’s rise broke out of this corrective pattern, with bulls attempting to resume the upward trend, although the $183 level continues to act as resistance. Given the strong fundamentals, the rapid development of AI technologies, and the supportive effect of the Fed’s rate cut, it is possible that the bulls could break through the $183 level, potentially driving NVDA’s share price toward the psychological $200 mark. FXOpen offers spreads from 0.0 pips and commissions from $1.50 per lot. Enjoy trading on MT4, MT5, TickTrader or TradingView trading platforms! The FXOpen App is a dedicated mobile application designed to give traders full control of their accounts anytime, anywhere. This article represents the opinion of the Companies operating under the FXOpen brand only. It is not to be construed as an offer, solicitation, or recommendation with respect to products and services provided by the Companies operating under the FXOpen brand, nor is it to be considered financial advice. Disclaimer: This sponsored market analysis is provided for informational purposes only. We have not independently verified its content and do not bear any responsibility for any information or description of services that it may contain. Information contained in this post is not advice nor a recommendation and thus should not be treated as such. We strongly recommend that you seek independent financial advice from a qualified and regulated professional, before participating or investing in any financial activities or services. Please also read and review our full disclaimer.

Ripple has introduced the next phase of its institutional DeFi roadmap, underscoring XRP Ledger’s (XRPL) growing importance as a settlement layer for regulated finance. Over the last year, XRPL reached the Top 10 chains for real-world assets, processed its first $1B+ month in stablecoin volume, and reinforced its role as a trusted infrastructure for both crypto-native firms and financial institutions. The roadmap update demonstrates XRPL’s evolution beyond pilot projects into a robust platform underpinning billion-dollar volumes. Its institutional positioning now focuses on two key markets: stablecoin payments and collateral management, enabled by tokenization standards and compliance features. Ripple noted that this stage of development balances innovation, compliance, and scalability, ensuring that institutional adoption can continue without compromising regulatory or operational needs. Investor Takeaway XRPL has transitioned from pilot projects to billion-dollar volumes, with its roadmap positioning it as a leading chain for stablecoin payments and collateral settlement. What New Features Have Gone Live? Several critical features have already been implemented to enhance XRPL’s enterprise readiness. These include Credentials, linked to decentralized identifiers (DIDs), allowing trusted issuers to attest to KYC or accreditation status for regulatory compliance. Deep Freeze enables issuers to halt transfers from flagged accounts, vital for stablecoin issuers meeting sanctions requirements. Meanwhile, Simulate provides developers with the ability to “dry run” transactions, ensuring reliability before committing them to the network. XRPL’s core infrastructure has also advanced through major releases. Version 2.5.0 introduced features like Batch Transactions, Permissioned DEX, and Token Escrow for conditional settlements, while Version 2.6.0 delivered improved visibility for Multi-Purpose Tokens (MPTs) and enhanced transaction streams. These iterations emphasize a rapid development cycle matched to institutional demands. Together, these features give institutions greater confidence in XRPL’s compliance and operational reliability, reinforcing its suitability for tokenized finance, stablecoin issuance, and regulated market participation. Investor Takeaway Credentials, Deep Freeze, and Simulate expand XRPL’s compliance and reliability toolkit, critical for institutional adoption of tokenized finance. How Will The Native Lending Protocol Work? A headline milestone in the roadmap is the introduction of a native lending protocol, scheduled with XRPL Version 3.0.0. Defined in the XLS-65/66 specifications, this protocol introduces pooled lending and underwritten credit at the ledger level. Liquidity is aggregated through Single-Asset Vaults, while lending contracts enable fixed-term, uncollateralized loans with repayment schedules tracked directly on-ledger. The system automates the loan lifecycle — issuance, repayment, reconciliation — and integrates optional first-loss capital protection. While collateral itself is managed off-chain through regulated custodians, the on-ledger structure ensures transparency, efficiency, and auditability, all backed by XRPL’s low-cost and high-speed settlement. For institutions, this feature provides access to low-cost capital within compliance frameworks, while lenders gain yield opportunities. It represents a major step toward bridging decentralized liquidity with traditional finance standards. Investor Takeaway The upcoming lending protocol will connect global liquidity with institutional borrowers, offering compliant credit markets directly at the ledger level. What Role Will Zero-Knowledge Proofs Play? The roadmap also highlights the integration of zero-knowledge proofs (ZKPs) to bring privacy with accountability. Confidential Multi-Purpose Tokens (MPTs), scheduled for Q1 2026, will enable institutions to manage tokenized collateral privately while still meeting regulatory and audit standards. This innovation supports use cases such as privacy-preserving KYC, proof-of-reserves, and confidential lending structures. ZKPs allow validation of information without exposing sensitive data, striking a balance between institutional confidentiality and compliance requirements. By reducing reliance on intermediaries, these cryptographic proofs also enhance interoperability and scalability across financial networks. This move represents Ripple’s effort to ensure XRPL remains attractive for high-value institutional markets, where both transparency and privacy are essential to adoption. Investor Takeaway Confidential MPTs powered by ZKPs will enable privacy-preserving yet compliant tokenization, critical for institutional adoption of on-chain credit and collateral. What’s Next For XRPL And Institutional DeFi? Looking ahead, Ripple envisions a fully integrated DeFi ecosystem on XRPL that combines stablecoins, RWAs, lending, and compliance into cohesive markets. The immediate call for participants is for validators to upgrade to version 3.0.0, while developers are encouraged to test Vaults and Lending Protocol features on devnet. With stablecoin FX, collateralized lending, and tokenized assets soon to be serviced natively at the protocol level, XRPL is positioning itself as a complete infrastructure for institutional finance. This north star remains unchanged: a blockchain that is simple, secure, and compliant, capable of serving high-value markets with confidence. As institutional adoption accelerates, Ripple’s roadmap sets the stage for the next decade of tokenized finance, built directly on the XRPL foundation. Investor Takeaway Ripple’s roadmap signals a cohesive, compliant, and scalable future for institutional DeFi, with XRPL evolving into a leading chain for global finance.  

The Argentine Football Association (AFA) and XTrend, an internationally licensed foreign exchange broker, announced on September 22, 2025, the renewal of their sponsorship agreement for the third consecutive year. This extension ensures XTrend remains the fintech partner of the World Cup Champions in Europe, keeping its brand present across matches, promotional activities, and fan events. The continued sponsorship strengthens XTrend’s ability to connect with football fans worldwide while enhancing its credibility as a trusted broker in global markets. For AFA, the partnership represents sustained commercial momentum and evidence of the value the Argentine team delivers to brand partners. Since 2023, the partnership has played a central role in XTrend’s growth, combining the emotional power of football with the strategic reach of fintech services. Investor Takeaway The three-year renewal strengthens XTrend’s positioning as a global broker, leveraging Argentina’s football legacy to expand brand trust and visibility. How Do XTrend And Argentina Align? The collaboration reflects shared values of resilience, discipline, and determination. Argentina’s national team, crowned World Champions in 2022, embodies these traits on the pitch, while XTrend promotes the same qualities within the trading community. This alignment creates a powerful brand story that resonates with both football fans and financial traders. For XTrend, being associated with Argentina’s success elevates its image, providing recognition and legitimacy in a competitive brokerage industry. Football unites people across continents, and trading offers empowerment to diverse participants — together forming a unique synergy. As Kai T H, Director of XTrend, stated: “We are incredibly proud to extend our regional sponsorship with AFA for a third consecutive year. This continued partnership is a testament to our shared values of excellence, trust, and innovation. Supporting the World Champions allows us to connect with millions of fans worldwide and provide them with unique experiences.” Investor Takeaway Argentina’s football prestige amplifies XTrend’s brand strength, enabling the broker to project trust, excellence, and global appeal. What’s Next For The Broker-AFA Partnership? The renewal ensures XTrend branding continues across AFA fixtures and promotional campaigns, while expanding opportunities for fan-trader engagement. This global visibility supports XTrend’s mission to build a secure and accessible trading environment for its clients. XTrend has also emphasized its focus on education and empowerment, aiming to make global financial markets approachable for traders at all levels. The AFA partnership adds cultural resonance to that mission, connecting trading with one of the most celebrated teams in the world. Both XTrend and AFA have expressed commitment to innovating future engagement strategies, blending trading technology with football experiences that reach fans and clients alike. Investor Takeaway The renewed Argentina partnership keeps XTrend visible on the world stage, aligning sports passion with broker innovation to fuel long-term growth.