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According to Cointelegraph, Spain's national securities regulator, the Comisión Nacional del Mercado de Valores (CNMV), has released a comprehensive Q&A document detailing the application of the European Union's Markets in Crypto-Assets Regulation (MiCA) within the country. This initiative aims to provide clarity for crypto companies regarding authorizations, notifications, daily operations, and the transitional regime, urging platforms to make a decisive 'comply or quit' choice as MiCA is enforced. Spain joins other EU member states, such as Italy, in actively utilizing MiCA's transitional flexibilities to avoid prolonged regulatory uncertainty. The CNMV's FAQ offers guidance to crypto-asset service providers (CASPs) on obtaining authorization in Spain, explaining how national procedures align with MiCA. It addresses which firms are affected, the interaction between MiCA and existing national registrations, and the processes for authorization and notification that CNMV has established. The document also outlines how notifications related to authorization and cross-border activities should be managed during the transitional period, emphasizing the importance of adhering to transitional deadlines. Under MiCA, member states may allow existing providers to operate for a limited transitional period until July 1, 2026, or until authorization is granted or denied, whichever occurs first. However, Spain has opted for a shortened transitional period ending on December 30, 2025. Entities benefiting from this transition must secure MiCA authorization by that date to continue offering in-scope crypto-asset services in Spain. Failure to obtain authorization will result in the prohibition of operations, and continued activity without authorization would violate MiCA regulations. Businesses must be prepared to adapt their models or cease operations based on the outcome of their authorization process. The Q&A is accompanied by new criteria on how MiCA will apply to funds, venture capital vehicles, and MiFID II entities, along with updated guidance on when investment-related influencers are considered to be engaging in client acquisition. These measures are part of a broader effort to enhance investor protection as MiCA is implemented. This development follows similar actions in Italy, where the Italian regulator CONSOB has set a deadline of December 30, 2025, for existing VASPs to apply for MiCA-style authorization or exit, with transitional operation permitted only for those that file, and no later than June 30, 2026. The move reflects a wider trend in Europe to reconsider crypto oversight as ESMA centralization gains momentum.

According to BlockBeats, data from CME's FedWatch indicates that ahead of the U.S. employment data release tonight, there is a 24.4% probability that the Federal Reserve will cut interest rates by 25 basis points in January next year, while the likelihood of maintaining the current rates stands at 75.6%. The probability of the Federal Reserve keeping rates unchanged until March next year is 49%, with a cumulative 25 basis point rate cut probability at 42.4%, and an 8.6% chance of a 50 basis point cut. The next two Federal Open Market Committee (FOMC) meetings are scheduled for January 28, 2026, and March 18, 2026. The U.S. Bureau of Labor Statistics is set to release the seasonally adjusted non-farm payroll data and unemployment rate for November tonight at 21:30 (UTC+8). The expected figures for November's seasonally adjusted non-farm payroll are 400,000, and the unemployment rate is anticipated to be 4.40%.

According to ChainCatcher, a recent global fund manager survey conducted by Bank of America reveals an increase in the number of investors who believe the U.S. dollar is overvalued. In December, approximately 53% of investors expressed this sentiment, compared to 45% in November. The survey also indicates that investors are currently underweight on the dollar relative to historical levels. Short positions on the dollar are considered the third most crowded trade.

According to ChainCatcher, Canadian-listed Bitcoin treasury company Matador Technologies has announced a revision to its previous $100 million convertible note financing agreement. The company disclosed that it has signed a registration rights agreement with investors, allowing it to raise a total of $75 million through the issuance of additional notes. The funds will be used to purchase Bitcoin for Matador's balance sheet. However, Matador Technologies has removed the previously announced plan to hold 6,000 Bitcoins by 2027 from its latest disclosure.

According to ChainCatcher, payment giant Visa is opening its U.S. network to support stablecoin settlements, aiming to expand its cryptocurrency-related products and services. Visa will allow U.S. institutions to use Circle Internet Group Inc.'s USDC tokens for transaction settlements via the Solana blockchain. Cross River Bank and Lead Bank are the first institutions to utilize this service.

According to Foresight News, a report by the UK's Financial Conduct Authority reveals a decrease in the proportion of adults holding cryptocurrency, dropping to around 8% this year. This marks the first year-on-year decline in cryptocurrency ownership in the UK since 2021. In 2024, approximately 7 million adults, representing 12% of the adult population, are expected to hold cryptocurrency, an increase from 10% in 2022 and 4.4% in 2021. The survey also indicates that public awareness of cryptocurrency remains stable at 91%, consistent with the previous year. Among those holding cryptocurrency, the majority are expected to increase their holdings in 2025 compared to 2024. About 21% of users possess cryptocurrency valued between £1,001 and £5,000, while the proportion of users holding cryptocurrency worth less than £100 has decreased.

According to Odaily, renowned Wall Street bear Peter Berezin forecasts a significant shift in the stock market by early 2026, as investors move from tech stocks to non-tech stocks and from growth stocks to value stocks. Berezin anticipates that these changes will lead to the S&P 500 index closing at 5280 points in 2026, marking a 23% annual decline, while the Nasdaq Composite Index is expected to fall by 31%. Additionally, the U.S. dollar is predicted to weaken, with the yen significantly appreciating, and the dollar-yen exchange rate expected to reach 115 by the end of the year. Gold prices are projected to hit new historical highs. Growing concerns over a U.S. economic recession are likely to prompt the Federal Reserve to accelerate interest rate cuts in the second half of 2026. By December 2026, the federal funds rate is expected to decrease to 2.25%, and the yield on 10-year U.S. Treasury bonds is anticipated to drop to 3.1%.

According to PANews, Visa has announced that U.S. banks can now utilize the Solana blockchain to settle transactions using Circle's USDC stablecoin. This marks the first full deployment of Visa's stablecoin settlement service within the U.S. banking system. Initial participants include Cross River Bank and Lead Bank. This development is facilitated by regulatory relaxations during U.S. President Donald Trump's second term and is expected to advance the launch of the Arc chain, a collaborative project between Visa and Circle. Visa anticipates that stablecoins will become a crucial payment channel, with an annualized settlement volume reaching $3.5 billion by the end of November.

According to ChainCatcher, a survey conducted by Bank of America among global fund managers reveals that cash levels have dropped to a record low of 3.3%, down from the previous 3.7%. Meanwhile, allocations in stocks and commodities have increased to their highest levels since February 2022.

According to PANews, despite the Federal Reserve's anticipated interest rate cut and dovish signals exceeding market expectations, the U.S. financial markets have not uniformly shifted towards risk appetite. Instead, ongoing challenges in the artificial intelligence sector, such as valuation pressures, extended capital expenditure return cycles, and increased uncertainty in profit realization, are influencing market sentiment. This has resulted in a complex divergence in the performance of U.S. stocks and bonds. In the bond market, long-term U.S. Treasury yields have risen this week, with the 10-year yield increasing by about 5 basis points during the typical 'Fed rate cut week.' This counterintuitive trend suggests that the market is not simply pricing the rate cut as the start of comprehensive easing. Instead, it is reassessing inflation persistence, the pressure of U.S. debt supply amid fiscal deficits, and the marginal impact of rate cuts on the real economy and corporate profits. From a pricing perspective, this appears to be an early discounting of the 'effectiveness of easing policies.' The key determinant of market direction remains inflation data. The U.S. November CPI annual rate, core CPI annual rate, month-on-month data, and weekly initial jobless claims, released on Thursday evening, will serve as the core pricing anchors for the dollar and risk assets. With the current CPI still around 3%, significantly above the 2% target, market focus has shifted from 'whether to cut rates' to 'whether rate cuts are reasonable and sustainable.' If CPI data falls significantly below expectations, it will further validate the Fed's current shift towards easing, potentially exerting downward pressure on the dollar and providing some recovery space for risk assets. Conversely, if inflation remains strong or stubborn, the market will reassess the risks of 'premature easing,' possibly leading to a dollar rebound and increased volatility in interest rates and the stock market. Overall, while the Federal Reserve has completed its policy shift, the market is still waiting to see if this shift can truly translate into growth improvement and profit recovery. In the context of cooling AI narratives and high long-term interest rate fluctuations, the market is more likely to repeatedly price around inflation data and policy expectations in the short term, rather than entering a clear unilateral trend.

On Dec 16, 2025, 10:42 AM(UTC). According to Binance Market Data, Bitcoin has crossed the 87,000 USDT benchmark and is now trading at 87,009.726563 USDT, with a narrowed narrowed 3.10% decrease in 24 hours.

Key TakeawaysXRP price remains below $2 amid macro and regulatory uncertaintyWhale distribution adds persistent selling pressure to the marketRising Japanese bond yields weigh on global crypto market sentimentImmediate Price Action Keeps XRP Below $2XRP price slipped to its lowest level since November 21, extending recent losses and underperforming the broader digital assets market. A break below the $1.90–$1.95 zone confirmed a short-term bearish reversal, limiting attempts to reclaim the $2 psychological level.Despite brief rebounds, dip demand has remained muted. Market participants continue to reduce exposure amid heightened volatility and declining risk appetite. Whale Activity Reduces Market DepthOn-chain data shows wallets holding 1M–100M XRP distributing roughly 1.18B XRP over the past four weeks. This cohort has historically provided downside support during corrections, but recent flows removed a key liquidity buffer.The scale of distribution outweighed daily trading activity of approximately $3.87B, amplifying selling pressure. Reduced market depth has increased XRP’s sensitivity to broader market shocks. Macro Risks Weigh On Crypto SentimentRising 10-year Japanese Government Bond (JGB) yields near 2% have pressured global risk assets. XRP and JGB yields show an inverse relationship, reflecting concerns over a potential yen carry trade unwind.Economists expect the Bank of Japan to raise rates by 25 basis points, narrowing the U.S.-Japan rate differential. Historically, similar conditions have led to liquidity tightening across equities and crypto markets, weighing on tokens like XRP. Regulatory Delays Add Downside FrictionSentiment also softened after reports that the U.S. Market Structure Bill markup was delayed until early 2026. The lack of near-term legislative clarity reduced optimism around broader crypto adoption.XRP remains especially sensitive to regulatory developments due to Ripple’s prolonged legal history with the SEC. Past legislative progress has triggered sharp rallies, but the current pause has left prices vulnerable to macro-driven moves. Technical Indicators Signal CautionLooking at the technical perspective, XRP trades below its short- and long-term trend measures. Key averages, including the 50-day EMA at 2.1967 and the 200-day EMA at 2.4406, remain well above current levels, reflecting weak price momentum.Source: TradingViewImmediate support sits near $1.82–$1.83, with further downside exposing the $1.75 region. On the upside, a sustained move above $1.95 would be required to restore short-term confidence and reopen the path toward $2.20–$2.35. Medium-Term Outlook Remains ConstructiveDespite short-term headwinds, the XRP forecast over the next 4–8 weeks remains cautiously optimistic. XRP-spot ETFs have recorded $10.89M in inflows, signaling steady institutional interest.Additionally, expectations for more crypto-friendly regulation and expanding XRP utility support a bullish medium-term outlook, with analysts eyeing a potential return toward $2.35–$2.50 if macro pressures ease.

According to Foresight News, monitoring by Lookonchain has revealed that an address associated with Lido co-founder Konstantin Lomashuk sold 14,585 Ethereum in the past hour at an average price of $2,928.

According to PANews, Morgan Stanley has identified potential upside risks for gold. The financial institution attributes these risks to several factors, including increased gold purchases by central banks, concerns over global economic growth, and heightened gold acquisition efforts by stablecoin companies. These elements are contributing to the possibility of upward movement in gold prices.

According to BlockBeats, cryptocurrency-related stocks showed mixed performance in pre-market trading on December 16. MSTR saw a slight increase of 0.07%, while COIN experienced a decline of 0.09%. HOOD fell by 0.39%, SBET decreased by 0.21%, and CRCL dropped by 0.48%. In contrast, BMNR recorded a rise of 0.32%.

According to CoinMarketCap data, the global cryptocurrency market cap now stands at $2.96T, down by 3.43% over the last 24 hours.Bitcoin (BTC) traded between $85,147 and $89,987 over the past 24 hours. As of 09:30 AM (UTC) today, BTC is trading at $86,280, down by 4.01%.Most major cryptocurrencies by market cap are trading lower. Market outperformers include ACE, EDEN, and PORTAL, up by 18%, 12%, and 8%, respectively.Top stories of the day:U.S. Nonfarm Employment Reports to Be Released Amid Economic ResetU.S. Senate Banking Committee Delays Cryptocurrency Regulation HearingU.S. Banking Sector Embraces Blockchain Amid Regulatory ShiftsMajority of Top U.S. Banks Developing Bitcoin ProductsUK Opens Consultation on Cryptocurrency Regulation ProposalAnalysis: Bitcoin's Outperformance Amid Crypto Market DeclinesMorgan Stanley Highlights Potential Upside Risks for GoldBitcoin Miners Shift to AI Data Centers Amid Rising Costs and Regulatory ChallengesBlackRock Expands Digital Asset Strategy Amid Growing Institutional InterestXRP Slide Continues, Declines Nearly 6% Market movers:ETH: $2929.64 (-6.91%)BNB: $859.11 (-3.54%)XRP: $1.8769 (-6.08%)SOL: $126.17 (-4.82%)TRX: $0.2794 (-0.68%)DOGE: $0.12886 (-6.04%)ADA: $0.3806 (-5.53%)WLFI: $0.1317 (-5.32%)WBTC: $86199.94 (-3.90%)BCH: $530.3 (-6.39%)

According to ChainCatcher, Liquid Capital founder Yi Lihua shared insights on the X platform regarding Ethereum's market conditions. He expressed strong confidence in Ethereum's fundamentals despite a significant drop since October 11. Yi noted that market liquidity has decreased, with the contract market dominating over the spot market. He described the current fluctuations as normal, especially considering the four-year cycle resonance and the upcoming Christmas season. For spot investments, he advised that purchasing at the lowest price is not necessarily the most suitable investment strategy. Yi emphasized the importance of Ethereum as a core investment asset in the new era of on-chain finance, with WLFI and similar assets as key investment configurations. He assured that their investment and data logic remain consistent with previous reports.

According to Foresight News, the UK's Financial Conduct Authority (FCA) has initiated a consultation on proposed cryptocurrency regulation rules. The proposal covers various aspects including access and disclosure, market manipulation, crypto asset trading platforms, intermediaries, staking, lending, decentralized finance (DeFi), and prudential regulatory requirements. The deadline for submitting consultation opinions is February 12, 2026. David Geale, FCA's Director of Payments and Digital Finance, stated, "Our goal is to establish a framework that protects consumers, supports innovation, and fosters trust. We have made significant progress in implementing our cryptocurrency regulation plan and are assisting companies in meeting our standards and completing registration, while awaiting further legislation."

According to ChainCatcher, Mirelo has successfully raised $41 million in a seed funding round led by Index Ventures and a16z, with participation from Atlantic.vc and TriplePoint Capital. Mirelo is focused on developing foundational AI models for video and audio layers, aiming to transform audio creation in videos and games through generative audio technology. Their video-to-audio model can swiftly produce high-quality, synchronized sound effects and offers flexible editing capabilities to meet creators' advanced needs.

According to BlockBeats, the Nikkei 225 index closed down by 784.82 points, marking a 1.56% decrease, settling at 49,383.29 points. Similarly, South Korea's KOSPI index ended the day with a decline of 91.46 points, a 2.24% drop, closing at 3,999.13 points.