A question that is extremely difficult to answer 😢
‼️ S&P500 is currently only 1% away from its historical maximum.
😱 Bitcoin is at 39% of its historical maximum.
It looks like crypto is "lagging behind". But it's important for newcomers to understand a few things.
1️⃣ First, the stock market moves slowly but steadily. There are no such harsh cycles as in crypto. When S&P500 is almost at its highs — it usually signals that the economy is reviving and investors are ready to take risks again.
2️⃣ Second, crypto often lags behind and then sharply outpaces the stock market. In bull cycles, Bitcoin often stays put while the stock market rises, but when excess liquidity flows into risky assets — BTC skyrockets in a way that the stock market simply cannot.
And the main point: 39% is significant only for those who haven’t seen past cycles. For crypto, this is a typical stage before movement. $BTC
Will XRP break above? The further direction of XRP depends on whether buyers can hold the $2.00 level long enough to challenge the supply zone of $2.07–$2.10. A clear breakout above this cluster could unlock growth potential to $2.15 and $2.26, with $2.36 becoming a high target if the inflow strengthens.
🇺🇸Green light for crypto for national banks in the USA
⏺The largest banks in the USA have received official permission from the OCC to act as intermediaries in cryptocurrency transactions
✔️The head of the OCC said: "there are no reasons to avoid digital assets, they do not threaten stability in any way; on the contrary, crypto can give traditional finance a new life. The banking system has come a long way from telegraph to blockchain - it must continue to evolve"
😇Back in 2021, banks, under the threat of losing their licenses, were afraid of any operations related to crypto companies or crypto (this was a "red flag" for the regulator) and the main barrier was: investor-market
✅Since then, even national banks can offer their clients crypto services. This creates a safe, familiar, regulated bridge to crypto for American investors (during periods of growth, euphoria, and green sticks, any bank's client will be able to instantly become a market participant). The mechanism for mass adoption of crypto is being launched not at an "experimental level", but at the level of a full-fledged financial market, which is becoming part of the American economy
In the USA, a cryptocurrency fraud in Discord of $42 million has been uncovered.
The US Department of Justice has accused 26-year-old Canadian Nathan Gauvin of creating a fictitious fund called Gray Digital, through which he attracted over $42 million.
According to the investigation, he provided investors with fake reports, claimed a return of 4384%, and assured that he managed assets worth $1 billion, promoting himself in Discord as a 'successful trader'.
Instead of investing, the funds went to pay previous investors and for Gauvin's personal expenses. When the SEC began its investigation, he attempted to forge documents and simultaneously fraudulently obtained a $800,000 loan from two banks.
Gauvin was arrested in the United Kingdom on December 10. The prosecution described the scheme as a 'house of cards built on investors' money'. $BNB
📉 84% of crypto traders lose money in the first year — the truth about market risks
A recent study involving over 1000 retail traders showed that 84% of them end their first year with losses, and nearly 6 out of 10 lose almost all of their capital during this time.
The reasons for this are a combination of high volatility, lack of strategy, and emotional mistakes. Beginners often:
💥 Do not use risk management 💥 Enter positions due to FOMO (fear of missing out on growth) 💥 Often trade short positions without a clear plan
📊 Other industry data shows similar trends: • Only 10–15% of crypto traders achieve consistent profitability after a year of active trading. • Market analyses of traditional derivatives show that 75–85% of retail accounts lose money, especially when using high leverage.
📌 In the end, the statistics are very simple: attempts to make quick profits through active trading without skills and risk management almost always lead to losses. Even when the market is rising, retail investors often buy at peaks and sell at local lows. $BTC $BNB
ChatGPT saved a woman from losing $1 million due to a crypto scammer
A resident of San Jose communicated with an online acquaintance for almost a year and, trusting him, invested about $1 million in nonexistent crypto investments.
When the "partner" asked her to transfer another million "to unlock the account," she sought advice from AI — and received a direct warning about a typical scam scheme.
This stopped her at the last moment. The police later found out that the first million had already been withdrawn by criminals abroad. $AI $BNB
⚡️Highlights of Jerome Powell's speech during the FOMC press conference:
- The available data indicates that our view of the situation has not changed. - Inflation is still at a high level. - The labor market seems to be gradually cooling down. - The consequences of the shutdown should be compensated by higher growth in the next quarter. - The GDP growth forecast for 2026 has been revised upward. - Among the main drivers are resilient consumer spending and sustained high spending on AI. - After the October meeting, little data on inflation has come out. - Risks for inflation are tilted to the upside. - Rates are currently in the "neutral range." - The Fed will make decisions from meeting to meeting. - Purchases of U.S. government bonds to manage reserves may remain high for several months to ease pressure on the money market. - The rate cut from September by 75 basis points gives us the opportunity to wait and see how the economy develops. - We have made progress this year on inflation not related to tariffs. - There is no sense that the economy is overheating. $BNB
97% of traders from the CIS have never had even $1000 on the exchange — and almost all of them lose deposits with aggressive leverage.
More than 80% work with deposits of $100–200, according to data from 100,000 users from the partner accounts of 8 major influencers. The most common strategy is to take leverage of X100, but this quickly ends in liquidation: with X100, 94.5% are wiped out in 8 hours, and 96.9% in 15 days. Even with X20, the chance of loss over two weeks is more than 55%. The reason is ordinary volatility, which wipes out small accounts without risk management.
😀 Binance has launched Binance Junior — now you can create crypto accounts for children aged 6 to 17 years old.
Only savings and educational functions are allowed; trading and withdrawals are not available, operating as a sub-account with full parental control.
$BTC Access to Binance Junior can only be granted to users with verified KYC and active 2FA. In countries where Binance Pay is supported, the account allows for payments.
The goal of the service is to help families introduce children to cryptocurrencies in a safe format until they reach adulthood.
Porsche and Lamborghini have started supporting payments in crypto - you can purchase a sports car for BTC, XTZ, USDC, EURC, and over 80 other crypto assets.
The French fintech company Lyzi, operating on the Tezos blockchain, launched crypto payments at the Porsche Centre Montpellier and Lamborghini Bordeaux dealerships in Europe. At the same time, car dealers receive payments in euros, which eliminates risks associated with exchange rate volatility. $BTC $USDC $USDT
📈 Top-5 coins in the history of listings on Binance with the highest ROI💰 1. MYX Finance (MYX) — ~2 102× at the peak of IDO. 2. Axie Infinity (AXS) — 1 649× since the IEO on Binance Launchpad. 3. Polygon (MATIC) — ~1 110×. 4. The Sandbox (SAND) — ~1 008×. 5. MultiversX (EGLD) — ~839×. $MYX $EGLD $AXS
🔥 The market is once again preparing for movement — altcoins are starting to blink green like a New Year's garland. If you want to stay one step ahead — pay attention to these coins:
🟣 1.$MATIC — major partnerships, active development, and a smooth network recovery. The chart looks like someone is carefully building a position 📈
🟡 2.$APT — the ecosystem has come alive: new DeFi projects, growth in TVL, and interest from funds. The coin could deliver a very sharp impulse without warning ⚡
🔴 3.$JUP — fresh blood in the market. A strong community, powerful support, and increasing volume make the token one of the most discussed in crypto Twitter 🚀
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💬 In such moments, the main thing is not to miss the beginning of the movement.
🚀If you're thinking about where to invest to avoid losing money, take a look at the coins that may still surprise you with their growth📈 If you're looking for altcoins that are gearing up for movement — see what's currently in focus👇
🟡 1.$BNB — the strongest fundamentals in the market. Growth of the ecosystem, stable volumes, and constant updates make it a quiet but powerful contender for a new maximum.
🐸 2.$PEPE — memes are back in trend, and PEPE remains the main symbol of the alt-season. Volumes are rising, the community is wild, and the momentum can be sharp and unexpected.
🔺 3.$TRX — one of the most stable networks with constant growth in on-chain activity. A quiet, confident uptrend — a classic movement that many notice too late.
🐳💥 Whales have awakened — the market is once again on the brink of a big move!
While retail traders debate "is it time to buy", the real giants have already gone on the attack. One of the largest $ETH -whales associated with Galaxy Digital unexpectedly transferred nearly $456,000,000 in Ethereum — just moved half a billion as if it were pocket change for coffee.
And that's not all... Bitcoin whales are also on the hunt: wallets with 10–10 000$BTC bought more than 47,000 BTC in just a few days. When such monsters start devouring assets — the market is usually preparing for either a breakout or wild candles upwards.
In short: the whales have started to move. And when the whales move — the waves engulf everyone. 🌊🚀 Get ready, the season of big movements could start suddenly.