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Visa Direct tests the use of stablecoins as cash equivalents for instant transfers

Visa has launched a pilot program that allows banks and financial institutions to pre-fund cross-border payments using stablecoins.

The Visa Direct pilot program allows selected partners to use USDC and EURC issued by Circle as pre-funded assets to facilitate near-instant payment operations.

The program is designed for banks, remittance companies, and financial institutions looking to improve liquidity. Instead of freezing fiat currencies across multiple corridors, participants can fund Visa Direct with stablecoins, which Visa treats as cash equivalents for the purpose of initiating payment operations.

Pre-funding with stablecoins is expected to free up working capital, reduce exposure to exchange rate fluctuations, and improve predictability in cash flows, especially during downtime such as weekends when traditional systems are ineffective.

A violent shock hits the cryptocurrency market… Reasons for the sudden collapse

Cryptocurrencies have experienced a historic decline over the past few hours, after the market lost about 162 billion dollars in less than 24 hours. The violent drop was driven by a wide liquidation of leveraged positions, along with intensive profit-taking and global economic fears, which put cryptocurrencies under immense pressure and led to an unprecedented wave of selling. Below are the main reasons for the losses in cryptocurrencies: Outflows from Bitcoin and Ethereum funds

Cryptocurrencies faced a strong blow after Bitcoin and Ethereum exchange-traded funds experienced outflows exceeding 1.27 billion dollars. Analysts confirmed that this sudden shift was a result of rebalancing of institutional investment portfolios amid uncertainty regarding the economic and regulatory path, which quickly reflected on derivatives markets.

The US GDP growth rate of 3.8% in the second quarter exceeded expectations, and although it is a positive indicator for the economy, it strongly pressured cryptocurrencies. Strong growth reduces the likelihood of interest rate cuts, which investors had relied on to support high-risk assets such as cryptocurrencies. Liquidations worth 1.7 billion dollars led by Ethereum

Cryptocurrencies faced

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Lowering interest rates could boost Bitcoin to $145,000 by the end of the year

Bitcoin traders are gaining new momentum after the interest rate cut in September by the Federal Reserve, as analysts now anticipate a potential rise towards record levels by the end of the year.

With changing liquidity dynamics and accelerating institutional flows, some analysts believe that Bitcoin could end 2025 near the $145,000 mark.

John Glover, head of investment at Ledn, told BeInCrypto that he expects a sharp upward movement as investors reposition for a weaker dollar.

Will digital wallets become control centers in our digital lives?

Although the cryptocurrency industry has been making headlines recently due to regulatory battles, speculation, or hacks, wallets remain the primary gateway for most people into the world of digital assets, quietly evolving to reshape the meaning of participation in the Web3 economy.

In this week's episode of The Clear Crypto Podcast, hosted by StarkWare in collaboration with Cointelegraph, we delved into the future of digital wallets with Jess Holgrave, the CEO of Reown, the developer of WalletConnect, to explore how wallets are transforming from specialized crypto tools into essential "control centers" in digital life.

Holgrave stated, "I don’t think there is one wallet that’s the best because what each individual or company wants from a wallet can vary greatly."

She added, "Some may prioritize speed and accessibility… and on the other end of the spectrum, if you are a company dealing in large volumes of cryptocurrency for trading purposes, the type of wallet I would need would be completely different."

HYPE records the highest historical level after the Binance founder's signal to competitor DEX Australia

The native token of the decentralized derivatives platform Hyperliquid reached a new all-time high on Thursday, coinciding with strong performance from alternative cryptocurrencies following the Federal Reserve's interest rate cuts.

Hyperliquid's token (HYPE) reached a record level of $59.29 during morning trading on Thursday, after daily gains of about 8%.

The asset has a market value of approximately $16 billion, having jumped around 40% over the past month, significantly outperforming the three largest cryptocurrencies by market capitalization: Bitcoin (BTC), Ethereum (ETH), and Ripple.

What ETH and SOL and XRP Whales Did After the Federal Reserve Cut Interest Rates by 0.25%

The reduction of the interest rate by 25 basis points (bp) by the Federal Reserve triggered decisive movements among the largest whales in the cryptocurrency market.

From massive purchases of Ethereum ETHUSD to institutional withdrawals of Solana SOLUSD and changes in the supply dynamics of XRP, the reaction reflects the extent to which macroeconomic policy is now influencing cryptocurrency flows.

Just hours after the Federal Reserve announced the quarter-point cut, chain trackers pointed to a massive purchase of Ethereum.

The whale address 0xd8d0 spent 112,34 million USD to buy 25,000 ETH at a price of 4,493 dollars, according to Lookonchain.

The aggressive accumulation reflects renewed confidence that lower borrowing costs and a weaker dollar could direct liquidity towards riskier assets.

Fidelity Asset Management expects that Bitcoin holders in the long term and listed companies will retain reserves exceeding 6 million units by 2025, which is more than 28% of the total supply of 21 million Bitcoins, potentially leading to a significant liquidity shortage in the market.

According to the report, about 8.3 million Bitcoins — equivalent to 42% of the current supply — could become illiquid by 2032 if the pace of institutional buying continues. Data indicates that 105 listed companies currently own more than 969,000 Bitcoins, while long-term holders have continued to accumulate their assets without any decline since 2016.

Fidelity added that these holdings today represent a value of $628 billion at an average price of $107,700, but at the same time warned that any massive sell-offs from whales could put pressure on prices, especially with a liquidation of $12.7 billion in the last month, the largest since mid-

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Galaxy Digital's billions ignite the investment race in Solana and raise its holdings to 1.55 billion dollars

Galaxy Digital has made a massive investment step in the Solana network, buying through its investment arm Forward Industries about 4.3 million SOL worth nearly 1.1 billion dollars in just three days, according to Lookonchain data.

As a result, the company's holdings jumped to about 6.5 million Solana, equivalent to 1.55 billion dollars at current prices, with most of it converted to institutional custody via Coinbase Prime.

This step comes after Forward Industries raised 1.65 billion dollars in early September to create a Solana treasury in collaboration with Multicoin and JumpCrypto, where the bulk of the capital was invested in a week, indicating a strong institutional demand surge for the currency.

At the same time, the price of SOL continued to trade around 240 dollars, maintaining weekly gains exceeding 16%, solidifying Solana's position among the top five in the cryptocurrency market.

XRP Price Predictions: The Return of the SEC and an Important Period for the Currency

The price of Ripple (Ripple-XRP) has stabilized around 3.17$ after rising by about 4% in the last 24 hours, with daily trading volumes reaching $6 billion, after gaining additional momentum as the third-ranked cryptocurrency by market capitalization as it approaches a pivotal barrier. The coming weeks gain additional significance as the deadlines for the U.S. Securities and Exchange Commission (SEC) to make final decisions on the applications submitted for the establishment of Exchange-Traded Funds (ETFs) linked to real-time Ripple trading (XRP Spot ETFs) are approaching, from October 18 to 25.

Ripple is gaining momentum as the deadlines set by the SEC approach.

The SEC continues to postpone its final decisions regarding the applications submitted for establishing real-time Ripple trading ETFs (XRP Spot ETFs), including the Franklin XRP ETF application submitted in March. A decision on this matter is expected to be issued on November 14, while the deadlines for the remaining ETF applications have been set between October 18 and 25.

Solana captures billions.. Galaxy Digital ignites a massive institutional race for tokens

The pace of institutional capital flowing towards Solana (SOL) is accelerating, as major investment firms enter an unprecedented buying wave.

On September 12, Galaxy Digital executed a massive deal in which it acquired 2.2 million SOL tokens valued at nearly 486 million dollars, transferred from the wallets of major platforms like Binance and Coinbase to its own, according to data from blockchain tracking platforms.

This deal comes as part of a strategic plan to launch a dedicated investment treasury for Solana through Forward Industries, which completed a funding round worth 1.65 billion dollars in partnership with Multicoin Capital and Jump Crypto, in a long-term bet on the expansion of institutional presence in the Solana ecosystem.

Ethereum at the threshold of 5 thousand, BNB jumps, and Bitcoin rebounds

Last night, Ethereum continued its rise towards the $5,000 barrier, while BNB reached its highest peak in history at $900. At the same time, Jerome Powell's statements have given Bitcoin a new breath, while Solana and XRP joined the ETF race, adding more heat to the scene.

Ethereum continued its sharp rise to reach $4,880 on August 22. The Polymarket platform raised its expectations to 88% for the possibility of ETH surpassing the $5,000 barrier before the end of the year.

This momentum is supported by three main factors: the flow of Ethereum ETFs, strong institutional participation, and major treasury readiness to inject $27 billion into the market. Notably, ETH's performance has recently outperformed Bitcoin, boosting confidence in its ability to lead a new wave.

XRP price finds support at $3 even as whales note a sell-off of $1.2 billion

XRP has experienced significant volatility in recent days, reflecting uncertain investor sentiment. Despite the large price fluctuations, XRP remains stable around $3.00, primarily due to mixed actions from investors.

The decisions of whales to sell a large amount of XRP affect price movement.

The selling pressure from whales is evident, as large holders are reducing their positions. Over the past week, addresses holding between 10 million and 100 million XRP sold about 400 million XRP, worth over $1.2 billion.

This move has contributed to uncertain price movements, pushing the market into a period of volatility.

Solana ETFs Await a Decision… The SEC Delays Final Decision Until October Amid Market Anticipation

The U.S. Securities and Exchange Commission (SEC) has once again postponed its decision regarding the launch of exchange-traded funds (ETFs) that track the Solana cryptocurrency, in a move that keeps the anticipation prevailing in the cryptocurrency markets.

In separate notices dated August 14, the SEC announced an extension for the review of three proposals submitted by Bitwise, 21Shares, and Canary Capital, justifying the delay by the need for more time to study the proposed rule changes. As such, the SEC set October 16, 2025, as the final deadline for a decision, which is the last allowable date in the current review cycle, forcing it to issue a final decision on approval or rejection on that date.

This development comes amid a series of delays affecting other altcoin ETFs like XRP recently, but the atmosphere of optimism remains strong, especially after Bloomberg analysts James Seyfert and Eric Balchunas raised their approval likelihood forecasts from 90% in June to 95%.

Seyfert commented on the decision, confirming that the most likely scenario is the approval of the ETFs by the specified date, while ruling out any further delays, noting increased communication between the SEC and the issuers, along with recent amendments reflecting a constructive dialogue behind the scenes.

Samson Mou expects Ethereum holders to return to Bitcoin

Bitcoin pioneer Samson Mou predicted that Ethereum investors would return to Bitcoin once ETH prices reach sufficiently high levels, which could reflect the five-week rally in Ethereum's price.

However, historical market cycle patterns may suggest otherwise.

The CEO of Jan3, a company specializing in Bitcoin adoption, said on Sunday: "Most Ethereum holders have a lot of Bitcoin (from the initial coin offering or insider positions), and they are converting this Bitcoin to Ethereum to push it higher through new narratives (Ethereum-based treasury companies).

The Bitcoin maximalist continued: "No one wants Ethereum for the long term."

Mou, who has often mocked altcoins, pointed out that it is difficult for ETH to surpass its all-time high, "because getting close to this psychological level increases the selling pressure," describing it as a "long-term holder's dilemma."

Bitcoin is heading towards a new historical peak.. The price of the currency jumps to 122 thousand dollars

The value of the digital currency Bitcoin has risen significantly in recent days, recording an increase of 3.3% to reach a level of 122,000 US dollars, approaching its all-time highs recorded in mid-July. This rise is attributed to increasing demand from institutional investors who show a growing interest in digital assets.

At the same time, the Ethereum currency has also seen a notable increase, as its price exceeded 4,300 US dollars over the weekend, marking the highest price recorded for the currency since December 2021. This increase also reflects growing confidence in the cryptocurrency market in general, in addition to increasing investments in this field.

These gains in Bitcoin come with an increase in investments by what are known as digital asset treasury bond companies, which are publicly listed firms that have decided to shift towards accumulating cryptocurrencies as part of their assets.

According to data collected by the "CoinGecko" platform, these companies have so far amassed a stock of Bitcoin worth up to 113 billion US dollars, reflecting a growing institutional trend towards digital currencies as part of their financial strategies.

Whales Make a Strong Comeback to Dogecoin Amid Market Recovery

Amid the wave of optimism sweeping the cryptocurrency market, Dogecoin has once again captured the spotlight after notable movements led by what are known as "whales," or large investors who hold massive amounts of the currency. These movements have restored confidence in Dogecoin's ability to continue to rise sharply in the upcoming period, especially given the noticeable activity that the currency is experiencing on a wide scale.

Analyst Ali Martinez confirmed that Dogecoin recorded exceptional activity over the past 24 hours, as major holders of the currency purchased more than 230 million Dogecoin, reflecting a clear conviction that the price of the currency is poised for new leaps.

This movement comes just a few days after a record buying wave on August 6, when whales purchased over a billion Dogecoin in a single day, marking one of the largest accumulation operations in the currency's history since its inception.

Martinez noted that Dogecoin is currently trading within a range described as a "strong buy zone," which is the same area that has previously witnessed sharp upward waves, reinforcing the belief that the market may be on the brink of a new bullish phase. As whale activity continues and demand for Dogecoin increases, expectations are growing that the currency will experience notable price movements in the near term.

Why a 13% Increase in XRP Could Be the Start of a Larger Bull Run

Ripple's XRP defied the weak performance of the broader cryptocurrency market over the past week, rising by nearly 15% in the last seven days.

The token's price reached a 17-day high of $3.35 at the time of publication, with a range of on-chain and technical indicators suggesting that the rally may have more fuel left in the tank.

Market sentiment towards XRP has sharply turned bullish, as reflected in the rise of the weighted sentiment, which measures traders' overall outlook. At the time of publication, this metric stands at its highest level in two weeks at 1.17.

SEC's Cryptocurrency Project - Regulatory Overhaul to Make America Lead the Digital Currency Race

The U.S. Securities and Exchange Commission has launched the "Crypto Project," which challenges the future of digital Wall Street, unveiling the most transformative reform of U.S. securities rules in a generation to allow the flourishing of digital assets. Under the bold vision of Chair Gensler, the mission becomes clear: tearing up the old rulebook that excluded cryptocurrencies and making tokenization the beating heart of American innovation.

"Our regulatory framework should not be tethered to an outdated analog past that is ill-suited for new horizons. The future is arriving at full speed, and the world is not waiting. This is a moment that requires American ambition, and instead of merely keeping up, the United States must lead it with a project that can unleash it - the Crypto Project," stated Gensler, according to a research note from Bernstein explaining the most impactful aspects of the project.

Re-innovating cryptocurrency at home: Resettlement and rewriting the rules

Ending the era of cryptocurrency exile - a result of overregulation during the Gensler years - begins with bringing innovation back to America. The SEC intends to use its interpretive and exemptive powers to ensure that old laws do not stifle local entrepreneurship.