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Malaysia Central Bank Paper Sparks Debate by Naming XRP and BTC as Monetary Alternatives
A recent working paper from the Central Bank of Malaysia has identified XRP and bitcoin as potential alternatives to traditional monetary and payment systems.
Digital Assets Could Replace Bank Deposits
A recent working paper from the Central Bank of Malaysia (CBM) has identified XRP alongside bitcoin ( BTC) as potential “alternatives to the current monetary and payment instruments.” The paper, which examines the fundamentals of what the CBM calls modern money and its application to a central bank digital currency (CBDC), posits that these digital assets could eventually replace currency in circulation (CIC) or bank deposits if they become widely used.
“Private tokens such as Bitcoin or XRP may be widely used as means of payment outside the banking system in the future, replacing CIC or bank deposits,” the working paper asserts.
Nevertheless, the paper ultimately downplays the two cryptocurrencies’ prospects, citing their lack of a “stable nominal anchor” and “tendency towards fragmentation” as factors that work against them complementing or even replacing the current payment system.
A recent working paper from the Central Bank of Malaysia has identified XRP and bitcoin as potential alternatives to traditional monetary and payment systems.
Digital Assets Could Replace Bank Deposits
A recent working paper from the Central Bank of Malaysia (CBM) has identified XRP alongside bitcoin ( BTC) as potential “alternatives to the current monetary and payment instruments.” The paper, which examines the fundamentals of what the CBM calls modern money and its application to a central bank digital currency (CBDC), posits that these digital assets could eventually replace currency in circulation (CIC) or bank deposits if they become widely used.
“Private tokens such as Bitcoin or XRP may be widely used as means of payment outside the banking system in the future, replacing CIC or bank deposits,” the working paper asserts.
Nevertheless, the paper ultimately downplays the two cryptocurrencies’ prospects, citing their lack of a “stable nominal anchor” and “tendency towards fragmentation” as factors that work against them complementing or even replacing the current payment system.
SEC and CFTC Launch Crypto Initiatives to Revamp Regulations and Promote Innovation
As the SEC unveils a strategic plan to modernize securities regulations and drive US leadership in blockchain integration within financial markets, the CFTC launches a corresponding “crypto sprint.”
By Stephen P. Wink, Zachary Fallon, Yvette D. Valdez, Douglas K. Yatter, Jenny Cieplak, Adam Bruce Fovent, Daphne Lambadariou, Connor Jobes, and Deric Behar
On July 31, 2025, Securities and Exchange Commission (SEC) Chair Paul Atkins delivered a significant digital asset policy speech at the America First Policy Institute in Washington, D.C. (“American Leadership in the Digital Finance Revolution”). In the speech, Chair Atkins reflected on the history of financial and technological innovations in the US capital markets, repudiated former regulatory approaches that in his view stifled the development of blockchain innovation and digital asset technologies, and announced the SEC’s “Project Crypto.”
Project Crypto is the direct result of President Trump’s January executive order on digital assets (the Order) aiming “to make America the crypto capital of the world” (for more information, see this Latham blog post). Chair Atkins delivered his speech just one day after the President’s Working Group on Digital Asset Markets published a comprehensive report on digital assets (“Strengthening American Leadership in Digital Financial Technology”)
Since the Order was issued, the SEC has established a Crypto Task Force led by Commissioner Hester Peirce (for more information, see this Latham blog post) and clarified the extent of its regulatory jurisdiction over various digital asset products and services (for more information, see these Latham blog posts on meme coins, mining, custody, staking, and exchange-traded products).
Congress has also taken historic action to establish a framework for digital assets, successfully enacting stablecoin legislation (for more information, see this Latham blog post on the GENIUS Act), and advancing market structure legislation from the House to the Senate (for more information, see the Latham US Crypto Policy Tracker on the CLARITY Act).
SEC’s Project Crypto
Project Crypto is an SEC-wide initiative to modernize the securities laws to foster capital formation in the digital asset markets and “enable America’s financial markets to move on-chain.” Project Crypto will employ formal notice and comment rulemaking and other interpretive or exemptive authorities to overhaul the securities laws that govern certain digital assets and digital asset service providers.
Key Project Crypto Initiatives
Establish a regulatory framework for distributions of crypto assets in the US. In a break from the SEC’s approach under the previous administration, Chair Atkins definitively stated in the speech that “most crypto assets are not securities” — and should not be governed as such under the securities laws. To address the persistent “confusion over the application of the ‘Howey test’” to digital assets that may have inhibited capital formation in the US and driven crypto development abroad, Chair Atkins has ordered the SEC staff to develop clear guidelines for market participants to determine whether a digital asset is a security or subject to an investment contract. For instances when the securities laws do apply, Chair Atkins has directed the staff “to propose purpose-fit disclosures, exemptions, and safe harbors, including for so-called ‘initial coin offerings,’ ‘airdrops,’ and network rewards.” More generally, Chair Atkins has immediately directed SEC staff to “to draft clear and simple rules of the road for crypto asset distributions, custody, and trading” for public notice and comment.Modernize the SEC’s requirements for registered intermediaries. Chair Atkins noted that although the SEC supports users’ right to have self-custody of digital assets and participate in on-chain activities, some investors will continue to rely on intermediaries to hold their assets and trade on their behalf. “The existing custody rules,” observed Chair Atkins, “were created without crypto assets in mind.” Chair Atkins has therefore instructed the staff to explore ways to adapt the current securities laws to better accommodate cryptoasset custody, including potential exemptions or other relief, alongside rule modifications. The speech also referred to the since-withdrawn special-purpose broker-dealer guidance, which prohibited broker-dealers from dealing with digital assets unless they limited their activities solely to digital assets, effectively preventing most large institutions from engaging in digital asset-related activities. Chair Atkins quoted the PWG Report that market participants “should be permitted to engage in multiple business lines under the most efficient licensing structure possible.”Develop guidance and proposals to allow market participants to innovate with “super-apps.” Chair Atkins took this concept further in his suggestion for the creation of “super apps,” suggesting that securities intermediaries should be able to offer services for traditional securities, tokenized securities, and non-security digital assets, including services like staking and lending, under a single federal regulatory regime. Pursuant to the recommendations in the PWG Report, Chair Atkins tasked the SEC staff with creating a licensing framework that permits the trading of non-security crypto assets alongside cryptoasset securities on SEC-regulated platforms. Furthermore, he asked the staff to evaluate the SEC’s ability to “permit non-security crypto assets that are subject to an investment contract to trade on trading venues that are not registered with the Commission” (see section below, “CFTC Acting to Keep Apace With the SEC”).Update agency rules and regulations to promote decentralized, blockchain-based software systems in the securities markets. According to Chair Atkins, the federal securities laws were devised (and operate) assuming a regulated intermediary is typically involved in every securities transaction. Blockchain-based decentralized finance (DeFi) software systems, however, “facilitate automated, non-intermediated financial market activity.” Chair Atkins directed the SEC staff to consider rulemaking (or rule updating) to facilitate DeFi and “protect[] pure publishers of software code.” His objective is to “to unleash the potential of on-chain software systems in our securities markets” and “promote innovation and competition in our markets.”Facilitate tokenization of traditional securities. Chair Atkins also noted that he has asked the SEC staff to consider the issues surrounding tokenization of traditional equity and debt securities. Such tokenization has to date taken place offshore due to the uncertainties regarding intermediaries described above, including whether regulated intermediaries could be involved in the distribution of tokenized securities and whether tokenized securities could trade in DeFi markets. Emphasizing the need to bring innovation onshore, Chair Atkins stated that the staff would consider potential relief for those seeking to issue or distribute tokenized securities, to the extent needed.Innovation exemption — a potential “sandbox.” Similar to “sandbox” regimes in non-US jurisdictions, Chair Atkins noted that the SEC is considering an “innovation exemption that would allow registrants and non-registrants to quickly go to market with new business models and services that do not neatly fit within our existing rules and regulations.” Chair Atkins suggested that such businesses would need to comply only with certain principles-based conditions designed to achieve the policy aims of the securities laws, rather than prescriptive regulatory requirements.
CFTC Acting to Keep Apace With the SEC
On August 1, 2025, one day after the speech by SEC Chair Atkins, Commodity Futures Trading Commission (CFTC) Acting Chair Caroline D. Pham announced that the CFTC was launching a “crypto sprint” in response to the directive in the PWG Report that the SEC and CFTC “use their existing authorities to immediately enable the trading of digital assets at the Federal level” (Crypto Sprint). Notably, she affirmed that the CFTC “will work closely with SEC Chairman Paul Atkins and Commissioner Hester Peirce to achieve Project Crypto.” Furthermore, on August 4, 2025, Acting Chair Pham announced that the first initiative in the CFTC’s Crypto Sprint would be to solicit feedback on a plan to allow “for trading spot crypto asset contracts that are listed on a CFTC-registered futures exchange” (known as designated contract markets (DCMs)).
As currently in force, Section 2(c)(2)(D) of the Commodity Exchange Act (CEA) gives the CFTC jurisdiction with respect to certain transactions in commodities offered to retail customers with leverage, margin, or financing. Such transactions are regulated as if they were futures contracts and therefore must be transacted on a DCM. Importantly, the CFTC does not currently exercise supervisory authority over non-security spot crypto asset contracts other than those captured under Section 2(c)(2)(D). Acting Chair Pham invited public comment from stakeholders on how to implement the PWG Report recommendations using the CFTC’s existing authority as she previously proposed in 2022. While not expressly discussed in the statement earlier this month, in 2022 Acting Chair Pham proposed utilization of the CFTC’s exemptive authority to extend retail foreign exchange and DCM regulations to include non-security spot crypto. Acting Chair Pham recently reiterated this proposal in March 2025.
The proposal that supervisory authority and oversight of spot crypto assets be extended to the CFTC (without disturbing SEC jurisdiction over spot crypto securities) broadly aligns with the regime contemplated by the digital asset market structure bill under consideration in the Senate (i.e., the CLARITY Act; for more information, see the Latham US Crypto Policy Tracker).
Public comments on this initiative are due by August 18, 2025, including on “whether there are any implications under the securities laws or regulations with respect to an SEC framework for trading of non-security assets that are part of an investment contract.”
Paving the Way for Crypto Innovation
In seeking ways to update the US securities laws while acknowledging the necessity of consumer protection measures, Chair Atkins’ speech “represents more than a regulatory shift.” Rather, this is a sea change in approach, directing the staff at the SEC to lead in promoting digital asset capital formation and innovation within US borders. In the wake of the Order on digital assets and the ensuing PWG Report, Chair Atkins is quickly leading the SEC to seize the “generational opportunity” presented by digital assets and DeFi. The CFTC seeks to chart a similar path under the Commodity Exchange Act. In a stark change from the last administration, the SEC and CFTC are not only getting out of the way of US dominance in blockchain technology and innovation, they are attempting to pave the way.
$BTC
$BNB
$ETH
By Stephen P. Wink, Zachary Fallon, Yvette D. Valdez, Douglas K. Yatter, Jenny Cieplak, Adam Bruce Fovent, Daphne Lambadariou, Connor Jobes, and Deric Behar
On July 31, 2025, Securities and Exchange Commission (SEC) Chair Paul Atkins delivered a significant digital asset policy speech at the America First Policy Institute in Washington, D.C. (“American Leadership in the Digital Finance Revolution”). In the speech, Chair Atkins reflected on the history of financial and technological innovations in the US capital markets, repudiated former regulatory approaches that in his view stifled the development of blockchain innovation and digital asset technologies, and announced the SEC’s “Project Crypto.”
Project Crypto is the direct result of President Trump’s January executive order on digital assets (the Order) aiming “to make America the crypto capital of the world” (for more information, see this Latham blog post). Chair Atkins delivered his speech just one day after the President’s Working Group on Digital Asset Markets published a comprehensive report on digital assets (“Strengthening American Leadership in Digital Financial Technology”)
Since the Order was issued, the SEC has established a Crypto Task Force led by Commissioner Hester Peirce (for more information, see this Latham blog post) and clarified the extent of its regulatory jurisdiction over various digital asset products and services (for more information, see these Latham blog posts on meme coins, mining, custody, staking, and exchange-traded products).
Congress has also taken historic action to establish a framework for digital assets, successfully enacting stablecoin legislation (for more information, see this Latham blog post on the GENIUS Act), and advancing market structure legislation from the House to the Senate (for more information, see the Latham US Crypto Policy Tracker on the CLARITY Act).
SEC’s Project Crypto
Project Crypto is an SEC-wide initiative to modernize the securities laws to foster capital formation in the digital asset markets and “enable America’s financial markets to move on-chain.” Project Crypto will employ formal notice and comment rulemaking and other interpretive or exemptive authorities to overhaul the securities laws that govern certain digital assets and digital asset service providers.
Key Project Crypto Initiatives
Establish a regulatory framework for distributions of crypto assets in the US. In a break from the SEC’s approach under the previous administration, Chair Atkins definitively stated in the speech that “most crypto assets are not securities” — and should not be governed as such under the securities laws. To address the persistent “confusion over the application of the ‘Howey test’” to digital assets that may have inhibited capital formation in the US and driven crypto development abroad, Chair Atkins has ordered the SEC staff to develop clear guidelines for market participants to determine whether a digital asset is a security or subject to an investment contract. For instances when the securities laws do apply, Chair Atkins has directed the staff “to propose purpose-fit disclosures, exemptions, and safe harbors, including for so-called ‘initial coin offerings,’ ‘airdrops,’ and network rewards.” More generally, Chair Atkins has immediately directed SEC staff to “to draft clear and simple rules of the road for crypto asset distributions, custody, and trading” for public notice and comment.Modernize the SEC’s requirements for registered intermediaries. Chair Atkins noted that although the SEC supports users’ right to have self-custody of digital assets and participate in on-chain activities, some investors will continue to rely on intermediaries to hold their assets and trade on their behalf. “The existing custody rules,” observed Chair Atkins, “were created without crypto assets in mind.” Chair Atkins has therefore instructed the staff to explore ways to adapt the current securities laws to better accommodate cryptoasset custody, including potential exemptions or other relief, alongside rule modifications. The speech also referred to the since-withdrawn special-purpose broker-dealer guidance, which prohibited broker-dealers from dealing with digital assets unless they limited their activities solely to digital assets, effectively preventing most large institutions from engaging in digital asset-related activities. Chair Atkins quoted the PWG Report that market participants “should be permitted to engage in multiple business lines under the most efficient licensing structure possible.”Develop guidance and proposals to allow market participants to innovate with “super-apps.” Chair Atkins took this concept further in his suggestion for the creation of “super apps,” suggesting that securities intermediaries should be able to offer services for traditional securities, tokenized securities, and non-security digital assets, including services like staking and lending, under a single federal regulatory regime. Pursuant to the recommendations in the PWG Report, Chair Atkins tasked the SEC staff with creating a licensing framework that permits the trading of non-security crypto assets alongside cryptoasset securities on SEC-regulated platforms. Furthermore, he asked the staff to evaluate the SEC’s ability to “permit non-security crypto assets that are subject to an investment contract to trade on trading venues that are not registered with the Commission” (see section below, “CFTC Acting to Keep Apace With the SEC”).Update agency rules and regulations to promote decentralized, blockchain-based software systems in the securities markets. According to Chair Atkins, the federal securities laws were devised (and operate) assuming a regulated intermediary is typically involved in every securities transaction. Blockchain-based decentralized finance (DeFi) software systems, however, “facilitate automated, non-intermediated financial market activity.” Chair Atkins directed the SEC staff to consider rulemaking (or rule updating) to facilitate DeFi and “protect[] pure publishers of software code.” His objective is to “to unleash the potential of on-chain software systems in our securities markets” and “promote innovation and competition in our markets.”Facilitate tokenization of traditional securities. Chair Atkins also noted that he has asked the SEC staff to consider the issues surrounding tokenization of traditional equity and debt securities. Such tokenization has to date taken place offshore due to the uncertainties regarding intermediaries described above, including whether regulated intermediaries could be involved in the distribution of tokenized securities and whether tokenized securities could trade in DeFi markets. Emphasizing the need to bring innovation onshore, Chair Atkins stated that the staff would consider potential relief for those seeking to issue or distribute tokenized securities, to the extent needed.Innovation exemption — a potential “sandbox.” Similar to “sandbox” regimes in non-US jurisdictions, Chair Atkins noted that the SEC is considering an “innovation exemption that would allow registrants and non-registrants to quickly go to market with new business models and services that do not neatly fit within our existing rules and regulations.” Chair Atkins suggested that such businesses would need to comply only with certain principles-based conditions designed to achieve the policy aims of the securities laws, rather than prescriptive regulatory requirements.
CFTC Acting to Keep Apace With the SEC
On August 1, 2025, one day after the speech by SEC Chair Atkins, Commodity Futures Trading Commission (CFTC) Acting Chair Caroline D. Pham announced that the CFTC was launching a “crypto sprint” in response to the directive in the PWG Report that the SEC and CFTC “use their existing authorities to immediately enable the trading of digital assets at the Federal level” (Crypto Sprint). Notably, she affirmed that the CFTC “will work closely with SEC Chairman Paul Atkins and Commissioner Hester Peirce to achieve Project Crypto.” Furthermore, on August 4, 2025, Acting Chair Pham announced that the first initiative in the CFTC’s Crypto Sprint would be to solicit feedback on a plan to allow “for trading spot crypto asset contracts that are listed on a CFTC-registered futures exchange” (known as designated contract markets (DCMs)).
As currently in force, Section 2(c)(2)(D) of the Commodity Exchange Act (CEA) gives the CFTC jurisdiction with respect to certain transactions in commodities offered to retail customers with leverage, margin, or financing. Such transactions are regulated as if they were futures contracts and therefore must be transacted on a DCM. Importantly, the CFTC does not currently exercise supervisory authority over non-security spot crypto asset contracts other than those captured under Section 2(c)(2)(D). Acting Chair Pham invited public comment from stakeholders on how to implement the PWG Report recommendations using the CFTC’s existing authority as she previously proposed in 2022. While not expressly discussed in the statement earlier this month, in 2022 Acting Chair Pham proposed utilization of the CFTC’s exemptive authority to extend retail foreign exchange and DCM regulations to include non-security spot crypto. Acting Chair Pham recently reiterated this proposal in March 2025.
The proposal that supervisory authority and oversight of spot crypto assets be extended to the CFTC (without disturbing SEC jurisdiction over spot crypto securities) broadly aligns with the regime contemplated by the digital asset market structure bill under consideration in the Senate (i.e., the CLARITY Act; for more information, see the Latham US Crypto Policy Tracker).
Public comments on this initiative are due by August 18, 2025, including on “whether there are any implications under the securities laws or regulations with respect to an SEC framework for trading of non-security assets that are part of an investment contract.”
Paving the Way for Crypto Innovation
In seeking ways to update the US securities laws while acknowledging the necessity of consumer protection measures, Chair Atkins’ speech “represents more than a regulatory shift.” Rather, this is a sea change in approach, directing the staff at the SEC to lead in promoting digital asset capital formation and innovation within US borders. In the wake of the Order on digital assets and the ensuing PWG Report, Chair Atkins is quickly leading the SEC to seize the “generational opportunity” presented by digital assets and DeFi. The CFTC seeks to chart a similar path under the Commodity Exchange Act. In a stark change from the last administration, the SEC and CFTC are not only getting out of the way of US dominance in blockchain technology and innovation, they are attempting to pave the way.
$BTC
$BNB
$ETH
I didn't get it I also connected and i did referrals also.
I Received Months Later @WalletConnect 's Token $WCT with little Effort By Just Connecting it to Existing wallet...
I never seen this type of Potencial Drop ever so people bullish on it
I never seen this type of Potencial Drop ever so people bullish on it
President Donald Trump's recent tariffs, affecting over 90 countries, have raised concerns about their potential impact on cryptocurrency markets. Announcing the tariffs on Truth Social, Trump claimed they would bring billions back to the U.S. economy from nations he accused of unfair trade practices. Although the crypto sector isn't directly targeted, analysts warn that these tariffs could influence monetary policy and investor behavior. Min Jung from Presto noted that investors are less reactive to tariff news than before, suggesting the market has adapted. Observers are particularly interested in how these tariffs might affect economic data monitored by the Federal Reserve. While Bitcoin and Ethereum experienced a dip, the tariffs have also reduced some market uncertainty. Jay Jo from Tiger Research believes that ongoing tariff tensions could lead to increased interest in cryptocurrencies as alternative payment methods. However, rising hardware costs and logistical challenges in the mining sector may shift supply chains and capital strategies, potentially concentrating power among stronger players.
$BTC
$BTC
I agree with you that's the problem for Pi first of all pi Ceo have to close Pi mining and need Big investment in Pi then Pi price will be stable.
Pi Network Holders Double Down as Market Hits New Lows
Despite Pi Coin’s slide to an all-time low of $0.32 this month, a section of its community is locking away millions of tokens instead of selling.
Fresh data shows over 3.3 million PI were voluntarily locked in a single day, a move many see as a show of long-term confidence in the project.
This commitment follows Pi Network’s decision to slash its mining rate to its lowest level yet, part of a strategy to slow token inflation. At the same time, August began with more than 19 million PI entering circulation, continuing July’s heavy unlock trend that had already pressured prices.
The market reaction has been mixed. While the reduced token flow could eventually limit selling pressure, immediate sentiment remains weak. PI is struggling to hold above $0.35, with $0.32 acting as a fragile support zone. Network issues haven’t helped—over half of all transactions are currently failing, and activity has fallen from previous months.
Whale movements are drawing attention, too. One large wallet has quietly accumulated about 350 million PI, making it the biggest non-foundation holder. Analysts suggest this kind of buying could soften the impact of upcoming token unlocks.
Still, Pi Coin’s fate is closely tied to the wider crypto market. With figures like Robert Kiyosaki and Arthur Hayes warning of a possible August downturn in Bitcoin, traders remain cautious. A major BTC drop could easily pull PI lower before any recovery takes hold.
$BTC $XRP
Despite Pi Coin’s slide to an all-time low of $0.32 this month, a section of its community is locking away millions of tokens instead of selling.
Fresh data shows over 3.3 million PI were voluntarily locked in a single day, a move many see as a show of long-term confidence in the project.
This commitment follows Pi Network’s decision to slash its mining rate to its lowest level yet, part of a strategy to slow token inflation. At the same time, August began with more than 19 million PI entering circulation, continuing July’s heavy unlock trend that had already pressured prices.
The market reaction has been mixed. While the reduced token flow could eventually limit selling pressure, immediate sentiment remains weak. PI is struggling to hold above $0.35, with $0.32 acting as a fragile support zone. Network issues haven’t helped—over half of all transactions are currently failing, and activity has fallen from previous months.
Whale movements are drawing attention, too. One large wallet has quietly accumulated about 350 million PI, making it the biggest non-foundation holder. Analysts suggest this kind of buying could soften the impact of upcoming token unlocks.
Still, Pi Coin’s fate is closely tied to the wider crypto market. With figures like Robert Kiyosaki and Arthur Hayes warning of a possible August downturn in Bitcoin, traders remain cautious. A major BTC drop could easily pull PI lower before any recovery takes hold.
$BTC $XRP
Pi Network Holders Double Down as Market Hits New Lows
Despite Pi Coin’s slide to an all-time low of $0.32 this month, a section of its community is locking away millions of tokens instead of selling.
Fresh data shows over 3.3 million PI were voluntarily locked in a single day, a move many see as a show of long-term confidence in the project.
This commitment follows Pi Network’s decision to slash its mining rate to its lowest level yet, part of a strategy to slow token inflation. At the same time, August began with more than 19 million PI entering circulation, continuing July’s heavy unlock trend that had already pressured prices.
The market reaction has been mixed. While the reduced token flow could eventually limit selling pressure, immediate sentiment remains weak. PI is struggling to hold above $0.35, with $0.32 acting as a fragile support zone. Network issues haven’t helped—over half of all transactions are currently failing, and activity has fallen from previous months.
Whale movements are drawing attention, too. One large wallet has quietly accumulated about 350 million PI, making it the biggest non-foundation holder. Analysts suggest this kind of buying could soften the impact of upcoming token unlocks.
Still, Pi Coin’s fate is closely tied to the wider crypto market. With figures like Robert Kiyosaki and Arthur Hayes warning of a possible August downturn in Bitcoin, traders remain cautious. A major BTC drop could easily pull PI lower before any recovery takes hold.
$BTC $XRP
Despite Pi Coin’s slide to an all-time low of $0.32 this month, a section of its community is locking away millions of tokens instead of selling.
Fresh data shows over 3.3 million PI were voluntarily locked in a single day, a move many see as a show of long-term confidence in the project.
This commitment follows Pi Network’s decision to slash its mining rate to its lowest level yet, part of a strategy to slow token inflation. At the same time, August began with more than 19 million PI entering circulation, continuing July’s heavy unlock trend that had already pressured prices.
The market reaction has been mixed. While the reduced token flow could eventually limit selling pressure, immediate sentiment remains weak. PI is struggling to hold above $0.35, with $0.32 acting as a fragile support zone. Network issues haven’t helped—over half of all transactions are currently failing, and activity has fallen from previous months.
Whale movements are drawing attention, too. One large wallet has quietly accumulated about 350 million PI, making it the biggest non-foundation holder. Analysts suggest this kind of buying could soften the impact of upcoming token unlocks.
Still, Pi Coin’s fate is closely tied to the wider crypto market. With figures like Robert Kiyosaki and Arthur Hayes warning of a possible August downturn in Bitcoin, traders remain cautious. A major BTC drop could easily pull PI lower before any recovery takes hold.
$BTC $XRP
SEC Hits Pause on Bitwise ETF Offering Broad Crypto Exposure
A key US regulator halted the approval process for a new cryptocurrency exchange-traded fund just hours after initially signing off, in a setback for digital-asset proponents hoping for easy-to-trade funds that expand access to more tokens.
On Tuesday, the Securities and Exchange Commission’s Division of Trading and Markets green-lit the Bitwise 10 Crypto Index Fund conversion to an ETF, according to a public filing. But later the same day, SEC Assistant Secretary Sherry Haywood issued an “indefinite stay,” which effectively suspended the launch of the fund seeking to offer regulated, one-click exposure to a diversified basket of cryptocurrencies.
The episode showcases the continued regulatory ambiguity for these new offerings as SEC Chair Paul Atkins eyes friendlier rules for the industry. Allowing such funds to hit the market would be a big deal for investors who currently do not have easy access to many crypto tokens in a low-cost ETF wrapper.
A spokesperson for Bitwise said the company was evaluating the development.
“We’ve been encouraged by the constructive engagement with the SEC under the new administration and remain committed to working productively to expand access to crypto,” the spokesperson said.
$BTC
A key US regulator halted the approval process for a new cryptocurrency exchange-traded fund just hours after initially signing off, in a setback for digital-asset proponents hoping for easy-to-trade funds that expand access to more tokens.
On Tuesday, the Securities and Exchange Commission’s Division of Trading and Markets green-lit the Bitwise 10 Crypto Index Fund conversion to an ETF, according to a public filing. But later the same day, SEC Assistant Secretary Sherry Haywood issued an “indefinite stay,” which effectively suspended the launch of the fund seeking to offer regulated, one-click exposure to a diversified basket of cryptocurrencies.
The episode showcases the continued regulatory ambiguity for these new offerings as SEC Chair Paul Atkins eyes friendlier rules for the industry. Allowing such funds to hit the market would be a big deal for investors who currently do not have easy access to many crypto tokens in a low-cost ETF wrapper.
A spokesperson for Bitwise said the company was evaluating the development.
“We’ve been encouraged by the constructive engagement with the SEC under the new administration and remain committed to working productively to expand access to crypto,” the spokesperson said.
$BTC
While there is no new statement today, the SEC case has officially concluded, providing Ripple with partial legal clarity. The court had already ruled that XRP is not a security for retail sales.
#BTCReserveStrategy Determining the ideal percentage of foreign reserves to allocate to Bitcoin (BTC) is complex and depends on various factors, including a country's economic stability, risk tolerance and investment goals.
*Potential Allocation Percentage:*
Brian Armstrong suggests starting with a small percentage, around 1%, of a country's reserves in Bitcoin, gradually increasing it as the market cap and adoption grow. This approach allows governments to manage volatility while still benefiting from Bitcoin's potential.
*Government Safeguards:*
To manage volatility, governments could ¹:
- *Diversify Reserves*: Spread investments across various assets to minimize risk.
- *Set Clear Guidelines*: Establish transparent policies for cryptocurrency reserve management.
- *Monitor Market Trends*: Regularly assess market conditions to make informed decisions.
- *Implement Risk Management Strategies*: Use tools like hedging to mitigate potential losses.
- *Ensure Transparency and Accountability*: Regularly report on reserve holdings and performance.
*Benefits of Bitcoin Reserves:*
- *Hedge Against Inflation*: Bitcoin's limited supply makes it resistant to inflationary pressures.
- *Diversification*: Including Bitcoin in reserves can reduce dependence on traditional assets.
- *Potential for Growth*: Bitcoin's value could increase over time, providing a potential long-term benefit ¹ ².
*Challenges and Considerations:*
- *Volatility*: Bitcoin's price fluctuations can impact reserve value.
- *Regulatory Uncertainty*: Governments must navigate evolving cryptocurrency regulations.
- *Security and Custody*: Ensuring secure storage and management of Bitcoin reserves is crucial.
Ultimately, the decision to allocate a portion of foreign reserves to Bitcoin requires careful consideration of these factors and a thorough understanding of the potential benefits and risks ¹.
$BTC
*Potential Allocation Percentage:*
Brian Armstrong suggests starting with a small percentage, around 1%, of a country's reserves in Bitcoin, gradually increasing it as the market cap and adoption grow. This approach allows governments to manage volatility while still benefiting from Bitcoin's potential.
*Government Safeguards:*
To manage volatility, governments could ¹:
- *Diversify Reserves*: Spread investments across various assets to minimize risk.
- *Set Clear Guidelines*: Establish transparent policies for cryptocurrency reserve management.
- *Monitor Market Trends*: Regularly assess market conditions to make informed decisions.
- *Implement Risk Management Strategies*: Use tools like hedging to mitigate potential losses.
- *Ensure Transparency and Accountability*: Regularly report on reserve holdings and performance.
*Benefits of Bitcoin Reserves:*
- *Hedge Against Inflation*: Bitcoin's limited supply makes it resistant to inflationary pressures.
- *Diversification*: Including Bitcoin in reserves can reduce dependence on traditional assets.
- *Potential for Growth*: Bitcoin's value could increase over time, providing a potential long-term benefit ¹ ².
*Challenges and Considerations:*
- *Volatility*: Bitcoin's price fluctuations can impact reserve value.
- *Regulatory Uncertainty*: Governments must navigate evolving cryptocurrency regulations.
- *Security and Custody*: Ensuring secure storage and management of Bitcoin reserves is crucial.
Ultimately, the decision to allocate a portion of foreign reserves to Bitcoin requires careful consideration of these factors and a thorough understanding of the potential benefits and risks ¹.
$BTC
Breaking: The Jerusalem Post reported that over 600 former Israeli security officials sent a letter to U.S. President Donald Trump, urging him to pressure Prime Minister Benjamin Netanyahu to end the war in Gaza.
XRP Market Cap Model Shows How Much Buy Order XRP Needs to Hit $90
XRP Market Cap Model Shows How Much Buy Order XRP Needs to Hit $90
XRP Market Cap Model Shows How Much Buy Order XRP Needs to Hit $90
Date:
August 2, 2025
Written By:
Sam Wisdom Raphael
XRP
Follow TheCryptoBasic
A new XRP market cap multiplier model shows how much buy volume would be necessary to send the XRP price soaring to $90.
The model, which is still in development and its raw form, illustrates the predominant belief among XRP proponents that XRP’s market cap could grow astronomically with modest capital inflows. It also shows just how powerful capital inflows can be when liquidity is limited.
XRP Surged to $90 with $10B in Buy Orders
Phil Kwok, the co-founder of EasyA, unveiled the tool in a recent disclosure. In a particular scenario, he used a $10 billion input to test XRP’s response. Notably, at the time of the simulated buy, XRP traded at $2.97, with a total supply of 59.3 billion tokens, which put its market cap at $176.1 billion.Can XRP Pass Bitcoin?
XRP is much faster than Bitcoin in terms of transaction speed and cheaper in the cost of commissions. However, it is unlikely for XRP to pass Bitcoin in terms of value, as BTC is already worth thousands of times more than XRP and also continues to grow. As the first cryptocurrency, BTC is expected to remain the most secure and popular means of storage.After the tool applied the $10 billion order, XRP’s price jumped to $90. This raised the market cap to $5.3 trillion, an increase of $5.2 trillion, or 2,930.3%. The model calculated a multiplier of 516x, showing that every $1 million worth of inflow could raise XRP’s market cap by $516 million under the right conditions.To reach the $90 target, the order cleared out multiplier layers of the sell-side order book, beginning at $2.975 and steadily buying up liquidity at each level. This sweep continued until it consumed all available asks up to $90. The process showed how little XRP is available for sale at higher prices and how this scarcity can drive explosive price moves
HomeCrypto NewsMarketXRP Market Cap Model Shows How Much Buy Order XRP Needs to Hit $90
XRP Market Cap Model Shows How Much Buy Order XRP Needs to Hit $90
After the tool applied the $10 billion order, XRP’s price jumped to $90. This raised the market cap to $5.3 trillion, an increase of $5.2 trillion, or 2,930.3%. The model calculated a multiplier of 516x, showing that every $1 million worth of inflow could raise XRP’s market cap by $516 million under the right conditions.
XRP Market Cap Model
To reach the $90 target, the order cleared out multiplier layers of the sell-side order book, beginning at $2.975 and steadily buying up liquidity at each level. This sweep continued until it consumed all available asks up to $90. The process showed how little XRP is available for sale at higher prices and how this scarcity can drive explosive price moves.
Large Buy Orders with Thin Liquidity Could Catapult XRP to Higher Targets
Interestingly, Dom, a well-known analyst who studies order books closely, has pointed to this pattern for years. In late 2023, when XRP still traded below $1, he predicted that just $1 billion of buy pressure could push the price up by several dollars.
Dom encouraged traders to look directly at the order book depth to see how little resistance existed beyond the early price levels.
Meanwhile, last December, when XRP surpassed $2, Dom pointed to the same mechanics behind the sharp price spike. He explained that thin liquidity allowed for steep, almost vertical price jumps as soon as serious buy pressure arrived.
The market expert noted that most XRP holders set extremely high price targets and likely won’t sell even after big rallies, which only adds to the supply squeeze. He expected XRP to peak only when a flood of selling reappears.
Moreover, three months back, Dom shared a real-time example that showed the multiplier model in action. Specifically, he tracked $61 million in net buying pressure across top exchanges over 13 hours.
XRP Market Cap Model Shows How Much Buy Order XRP Needs to Hit $90
Date:
August 2, 2025
Written By:
Sam Wisdom Raphael
XRP
Follow TheCryptoBasic
A new XRP market cap multiplier model shows how much buy volume would be necessary to send the XRP price soaring to $90.
The model, which is still in development and its raw form, illustrates the predominant belief among XRP proponents that XRP’s market cap could grow astronomically with modest capital inflows. It also shows just how powerful capital inflows can be when liquidity is limited.
XRP Surged to $90 with $10B in Buy Orders
Phil Kwok, the co-founder of EasyA, unveiled the tool in a recent disclosure. In a particular scenario, he used a $10 billion input to test XRP’s response. Notably, at the time of the simulated buy, XRP traded at $2.97, with a total supply of 59.3 billion tokens, which put its market cap at $176.1 billion.Can XRP Pass Bitcoin?
XRP is much faster than Bitcoin in terms of transaction speed and cheaper in the cost of commissions. However, it is unlikely for XRP to pass Bitcoin in terms of value, as BTC is already worth thousands of times more than XRP and also continues to grow. As the first cryptocurrency, BTC is expected to remain the most secure and popular means of storage.After the tool applied the $10 billion order, XRP’s price jumped to $90. This raised the market cap to $5.3 trillion, an increase of $5.2 trillion, or 2,930.3%. The model calculated a multiplier of 516x, showing that every $1 million worth of inflow could raise XRP’s market cap by $516 million under the right conditions.To reach the $90 target, the order cleared out multiplier layers of the sell-side order book, beginning at $2.975 and steadily buying up liquidity at each level. This sweep continued until it consumed all available asks up to $90. The process showed how little XRP is available for sale at higher prices and how this scarcity can drive explosive price moves
HomeCrypto NewsMarketXRP Market Cap Model Shows How Much Buy Order XRP Needs to Hit $90
XRP Market Cap Model Shows How Much Buy Order XRP Needs to Hit $90
After the tool applied the $10 billion order, XRP’s price jumped to $90. This raised the market cap to $5.3 trillion, an increase of $5.2 trillion, or 2,930.3%. The model calculated a multiplier of 516x, showing that every $1 million worth of inflow could raise XRP’s market cap by $516 million under the right conditions.
XRP Market Cap Model
To reach the $90 target, the order cleared out multiplier layers of the sell-side order book, beginning at $2.975 and steadily buying up liquidity at each level. This sweep continued until it consumed all available asks up to $90. The process showed how little XRP is available for sale at higher prices and how this scarcity can drive explosive price moves.
Large Buy Orders with Thin Liquidity Could Catapult XRP to Higher Targets
Interestingly, Dom, a well-known analyst who studies order books closely, has pointed to this pattern for years. In late 2023, when XRP still traded below $1, he predicted that just $1 billion of buy pressure could push the price up by several dollars.
Dom encouraged traders to look directly at the order book depth to see how little resistance existed beyond the early price levels.
Meanwhile, last December, when XRP surpassed $2, Dom pointed to the same mechanics behind the sharp price spike. He explained that thin liquidity allowed for steep, almost vertical price jumps as soon as serious buy pressure arrived.
The market expert noted that most XRP holders set extremely high price targets and likely won’t sell even after big rallies, which only adds to the supply squeeze. He expected XRP to peak only when a flood of selling reappears.
Moreover, three months back, Dom shared a real-time example that showed the multiplier model in action. Specifically, he tracked $61 million in net buying pressure across top exchanges over 13 hours.
Can XRP Pass Bitcoin?
XRP is much faster than Bitcoin in terms of transaction speed and cheaper in the cost of commissions. However, it is unlikely for XRP to pass Bitcoin in terms of value, as BTC is already worth thousands of times more than XRP and also continues to grow. As the first cryptocurrency, BTC is expected to remain the most secure and popular means of storage.
$BTC
$XRP
XRP is much faster than Bitcoin in terms of transaction speed and cheaper in the cost of commissions. However, it is unlikely for XRP to pass Bitcoin in terms of value, as BTC is already worth thousands of times more than XRP and also continues to grow. As the first cryptocurrency, BTC is expected to remain the most secure and popular means of storage.
$BTC
$XRP
#CreatorPad :
$SHIB
SHIB
0.00001186
-3.02%
🚨 400 Billion SHIB Snapped Up by Whales During Price Pullback Even as Shiba Inu’s value slid, large-scale holders seized the opportunity—gathering nearly $10M worth of SHIB. 🐋📉 This bold move hints at solid investor conviction, as top-tier wallets quietly load up ahead of what could be the next bullish wave. Could this accumulation be the spark for a strong bounce back? 🔥
$SHIB
SHIB
0.00001186
-3.02%
🚨 400 Billion SHIB Snapped Up by Whales During Price Pullback Even as Shiba Inu’s value slid, large-scale holders seized the opportunity—gathering nearly $10M worth of SHIB. 🐋📉 This bold move hints at solid investor conviction, as top-tier wallets quietly load up ahead of what could be the next bullish wave. Could this accumulation be the spark for a strong bounce back? 🔥
Could XRP (Ripple) Be the Next Bitcoin?
One asset class that has garnered quite a bit of enthusiasm from investors this year is cryptocurrency. Similar to how much of the artificial intelligence (AI) movement can be traced back to a select group of winners (the "Magnificent Seven"), investors appear to be applying the same template to cryptocurrency.
Two of the most popular cryptocurrencies right now are Bitcoin and XRP (CRYPTO: XRP). As of this writing (July 28), Bitcoin's price of roughly $120,000 is hovering near all-time highs. Meanwhile, at only $3, XRP appears much more modest.
Let's explore what makes Bitcoin and XRP unique to help get a sense of the catalysts that are fueling their current price action. In the long run, could XRP emerge as the "next Bitcoin"? Read on to find out.
XRP could disrupt digital commerce as we know it, but...
More than 11,000 businesses and governments use the Society for Worldwide Interbank Financial Telecommunication (SWIFT) network as an intermediary to handle financial transactions. While SWIFT has major inroads in the global payments infrastructure, some would argue that it's an antiquated system. Often, settlement can take days, as various banks are usually involved in these transactions. As a result, transaction fees begin to accumulate for businesses.Ripple offers a compelling alternative payments network for cross-border transactions. The Ripple network allows transactions to settle within seconds, and at a much lower cost compared to SWIFT.
One of the interesting advantages of Ripple is that its customers can use XRP as a bridge currency. Ripple's partner banks in various countries make the conversions to and from this cryptocurrency fast and seamless. This function removes the friction of dealing with banks using various currencies, and can soften the toll of foreign exchange fees.According to data compiled by FXCintelligence, the total addressable market for cross-border transactions is expected to reach $320 trillion by 2032 -- up from $195 trillion in 2024.
Since XRP brings much-needed modern innovation to the payments infrastructure space, investors may see it as a potentially lucrative investment opportunity in the same light as Bitcoin. Let's explore how accurate that comparison really is.Should you invest $1,000 in XRP right now?
Before you buy stock in XRP, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and XRP wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $630,291!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,075,791!*Now, it’s worth noting Stock Advisor’s total average return is 1,039% — a market-crushing outperformance compared to 182% for the S&P 500. Don’t miss out on the latest top 10 list, available when you join Stock Advisor.
$XRP
$BTC
Two of the most popular cryptocurrencies right now are Bitcoin and XRP (CRYPTO: XRP). As of this writing (July 28), Bitcoin's price of roughly $120,000 is hovering near all-time highs. Meanwhile, at only $3, XRP appears much more modest.
Let's explore what makes Bitcoin and XRP unique to help get a sense of the catalysts that are fueling their current price action. In the long run, could XRP emerge as the "next Bitcoin"? Read on to find out.
XRP could disrupt digital commerce as we know it, but...
More than 11,000 businesses and governments use the Society for Worldwide Interbank Financial Telecommunication (SWIFT) network as an intermediary to handle financial transactions. While SWIFT has major inroads in the global payments infrastructure, some would argue that it's an antiquated system. Often, settlement can take days, as various banks are usually involved in these transactions. As a result, transaction fees begin to accumulate for businesses.Ripple offers a compelling alternative payments network for cross-border transactions. The Ripple network allows transactions to settle within seconds, and at a much lower cost compared to SWIFT.
One of the interesting advantages of Ripple is that its customers can use XRP as a bridge currency. Ripple's partner banks in various countries make the conversions to and from this cryptocurrency fast and seamless. This function removes the friction of dealing with banks using various currencies, and can soften the toll of foreign exchange fees.According to data compiled by FXCintelligence, the total addressable market for cross-border transactions is expected to reach $320 trillion by 2032 -- up from $195 trillion in 2024.
Since XRP brings much-needed modern innovation to the payments infrastructure space, investors may see it as a potentially lucrative investment opportunity in the same light as Bitcoin. Let's explore how accurate that comparison really is.Should you invest $1,000 in XRP right now?
Before you buy stock in XRP, consider this:
The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and XRP wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.
Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $630,291!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,075,791!*Now, it’s worth noting Stock Advisor’s total average return is 1,039% — a market-crushing outperformance compared to 182% for the S&P 500. Don’t miss out on the latest top 10 list, available when you join Stock Advisor.
$XRP
$BTC
#CreatorPad *Binance Square Launches CreatorPad: Earn Up to $500,000 in WCT Tokens! 🚀*
Binance Square has just rolled out its latest feature, CreatorPad, and it's a game-changer! 🎉 Verified users can now complete easy tasks and earn rewards from a massive $500,000 WCT token pool. 💸
*What's CreatorPad? 🤔*
CreatorPad is a new initiative by Binance Square that allows users to engage with the platform in a more interactive way. By completing tasks, users can earn Wallet Connect (WCT) tokens, which can be used within the Binance ecosystem.
*How to Participate? 📝*
1. Get verified on Binance Square.
2. Complete tasks on CreatorPad.
3. Earn WCT tokens from the $500,000 pool.
*Don't Miss Out! ⏰*
Join CreatorPad today and start earning your share of the WCT token pool! 💸
*Binance Square*
*CreatorPad*
*WCT Tokens*
*Earn Rewards*
Would you like me to add or change anything?
$WCT
$BTC $XRP
Binance Square has just rolled out its latest feature, CreatorPad, and it's a game-changer! 🎉 Verified users can now complete easy tasks and earn rewards from a massive $500,000 WCT token pool. 💸
*What's CreatorPad? 🤔*
CreatorPad is a new initiative by Binance Square that allows users to engage with the platform in a more interactive way. By completing tasks, users can earn Wallet Connect (WCT) tokens, which can be used within the Binance ecosystem.
*How to Participate? 📝*
1. Get verified on Binance Square.
2. Complete tasks on CreatorPad.
3. Earn WCT tokens from the $500,000 pool.
*Don't Miss Out! ⏰*
Join CreatorPad today and start earning your share of the WCT token pool! 💸
*Binance Square*
*CreatorPad*
*WCT Tokens*
*Earn Rewards*
Would you like me to add or change anything?
$WCT
$BTC $XRP
CREATOR PAD
#CreatorPad *Empowering Digital Creators: The Rise of CreatorPad*
In the ever-evolving digital landscape, creators, influencers, and entrepreneurs are constantly seeking innovative ways to grow their brands and reach new audiences. CreatorPad is a revolutionary platform designed to empower these individuals by providing them with the tools and resources they need to succeed.
*What is CreatorPad?*
CreatorPad is a cutting-edge platform that offers a suite of features tailored to the needs of digital creators. From personal profiles to media kits, collaboration opportunities, and analytics, CreatorPad provides users with a comprehensive toolkit to showcase their work and attract partnerships.
*Key Features of CreatorPad*
- *Personal Profiles*: Showcase your brand and work in a customizable profile that reflects your unique style and voice.
- *Media Kits*: Access a library of high-quality media assets that can be used to promote your brand and work.
- *Collaboration Opportunities*: Connect with other creators, influencers, and brands to explore new partnership opportunities.
- *Analytics*: Track your performance and gain valuable insights into your audience and engagement.
*Benefits of Using CreatorPad*
- *Increased Visibility*: Showcase your work and brand to a wider audience, increasing your visibility and reach.
- *Improved Collaboration*: Connect with other creators and brands, exploring new opportunities for partnerships and collaborations.
- *Data-Driven Insights*: Use analytics to gain a deeper understanding of your audience and optimize your content strategy.
- *Streamlined Workflow*: Access a suite of tools and resources that streamline your workflow, saving you time and effort.
*Who is CreatorPad For?*
CreatorPad is designed for digital creators, influencers, and entrepreneurs who are looking to grow their brands and reach new audiences. Whether you're a solo creator or a large team, CreatorPad provides the tools and resources you need to succeed in the digital landscape.
*Conclusion*
CreatorPad is a game-changing platform that is empowering digital creators to take their brands to the next level. With its comprehensive suite of features and tools, CreatorPad is the perfect solution for anyone looking to grow their online presence and attract new opportunities. Join the CreatorPad community today and start building your brand! 🚀
In the ever-evolving digital landscape, creators, influencers, and entrepreneurs are constantly seeking innovative ways to grow their brands and reach new audiences. CreatorPad is a revolutionary platform designed to empower these individuals by providing them with the tools and resources they need to succeed.
*What is CreatorPad?*
CreatorPad is a cutting-edge platform that offers a suite of features tailored to the needs of digital creators. From personal profiles to media kits, collaboration opportunities, and analytics, CreatorPad provides users with a comprehensive toolkit to showcase their work and attract partnerships.
*Key Features of CreatorPad*
- *Personal Profiles*: Showcase your brand and work in a customizable profile that reflects your unique style and voice.
- *Media Kits*: Access a library of high-quality media assets that can be used to promote your brand and work.
- *Collaboration Opportunities*: Connect with other creators, influencers, and brands to explore new partnership opportunities.
- *Analytics*: Track your performance and gain valuable insights into your audience and engagement.
*Benefits of Using CreatorPad*
- *Increased Visibility*: Showcase your work and brand to a wider audience, increasing your visibility and reach.
- *Improved Collaboration*: Connect with other creators and brands, exploring new opportunities for partnerships and collaborations.
- *Data-Driven Insights*: Use analytics to gain a deeper understanding of your audience and optimize your content strategy.
- *Streamlined Workflow*: Access a suite of tools and resources that streamline your workflow, saving you time and effort.
*Who is CreatorPad For?*
CreatorPad is designed for digital creators, influencers, and entrepreneurs who are looking to grow their brands and reach new audiences. Whether you're a solo creator or a large team, CreatorPad provides the tools and resources you need to succeed in the digital landscape.
*Conclusion*
CreatorPad is a game-changing platform that is empowering digital creators to take their brands to the next level. With its comprehensive suite of features and tools, CreatorPad is the perfect solution for anyone looking to grow their online presence and attract new opportunities. Join the CreatorPad community today and start building your brand! 🚀
XRP (XRP) Price Prediction 2025
According to our current XRP price prediction, the price of XRP is predicted to drop by -0.68% and reach $ 2.94 by August 31, 2025. Per our technical indicators, the current sentiment is Neutral while the Fear & Greed Index is showing 65 (Greed). XRP recorded 19/30 (63%) green days with 15.57% price volatility over the last 30 days. Based on the XRP forecast, it's now a good time to buy XRP.
Over the next five days, XRP will reach the highest price of $ 2.96 tomorrow, which would represent 0.90% growth compared to the current price. This follows a -4.82% price change over the last 7 days.
In 2025, XRP (XRP) is anticipated to change hands in a trading channel between $ 2.88 and $ 3.49, leading to an average annualized price of $ 3.16. This could result in a potential return on investment of 19.11% compared to the current rates.
August 2025: XRP Prediction
The algorithm assumes that XRP will increase to $ 3.04, building off market’s direction we’ve observed over the last 30 days. Our price prediction suggests a range between $ 2.88 and $ 3.32. This could lead to a potential gain of 13.17% (if you’d have decided to buy XRP at current prices), indicating a bullish sentiment for the month.
$XRP
According to our current XRP price prediction, the price of XRP is predicted to drop by -0.68% and reach $ 2.94 by August 31, 2025. Per our technical indicators, the current sentiment is Neutral while the Fear & Greed Index is showing 65 (Greed). XRP recorded 19/30 (63%) green days with 15.57% price volatility over the last 30 days. Based on the XRP forecast, it's now a good time to buy XRP.
Over the next five days, XRP will reach the highest price of $ 2.96 tomorrow, which would represent 0.90% growth compared to the current price. This follows a -4.82% price change over the last 7 days.
In 2025, XRP (XRP) is anticipated to change hands in a trading channel between $ 2.88 and $ 3.49, leading to an average annualized price of $ 3.16. This could result in a potential return on investment of 19.11% compared to the current rates.
August 2025: XRP Prediction
The algorithm assumes that XRP will increase to $ 3.04, building off market’s direction we’ve observed over the last 30 days. Our price prediction suggests a range between $ 2.88 and $ 3.32. This could lead to a potential gain of 13.17% (if you’d have decided to buy XRP at current prices), indicating a bullish sentiment for the month.
$XRP
Google’s Gemini AI Predicts the Price of XRP, Shiba Inu and Pepe by the End of 2025
Google’s Gemini AI model predicts that several high-profile altcoins could experience strong price surges before the end of 2025, buoyed by Bitcoin’s explosive ascent.
Bitcoin recently made headlines by reaching an all-time high of $122,838 last week—a milestone many experts believe could spark accelerated mainstream crypto adoption, assuming the bullish trend holds.
This breakout has injected new enthusiasm across the crypto sector, fueling predictions that the next market upswing could eclipse the record-setting rally of 2021 and push leading altcoins into uncharted territory.
Here are the digital assets Gemini AI predicts could generate substantial returns by the holiday season.
XRP (Ripple): Gemini Predicts Price Multiplying 6x Before 2025 Ends
Gemini’s projections place Ripple’s leading blockchain coin XRP (XRP) at a potential $20 valuation by late 2025—representing a sixfold increase from its current price of about $3.22.
The forecast follows XRP’s robust performance this year. The token reached a new record high of $3.65 on July 18, surpassing its previous 2018 peak of $3.40. XRP has gained 9% over the last two weeks and 47% over the last month, outpacing both Bitcoin and other altcoins listed in this reportGrowing investor confidence stems from evolving regulatory clarity, increased utility, and speculation surrounding the launch of an XRP-based spot ETF—all of which could attract significant investment flows.
XRP facilitates lightning-fast, cost-effective cross-border transactions without intermediaries. In 2024, the United Nations Capital Development Fund (UNCDF) endorsed XRP as a frictionless blockchain solution for international remittances.A pivotal legal victory came in 2023, when a U.S. court ruled that Ripple’s sales of XRP to retail buyers did not constitute securities transactions. The SEC formally ended its case by March 2025, eliminating one of the biggest hurdles facing the token.
With XRP currently trading 11.4% below its ATH, surpassing that benchmark could pave the way toward Gemini’s more conservative $5 to $15 year-end target, with upside potential for even higher gains.Its RSI has dipped from 86 last Monday to 61 today, indicating a cooling period which may allow the asset to consolidate before another upward move.
In a scenario where regulatory conditions improve further—such as under a Trump-led administration—Gemini AI suggests XRP might even double its projected value, eclipsing previous records set during the 2021 bull run.
Over the past year, XRP has climbed 433%, outperforming Bitcoin’s 75% growth during the same period.
Shiba Inu (SHIB): Gemini Says SHIB Fans Could See a 35X Surge by Year’s End in Most Bullish Case Scenario
Shiba Inu (SHIB), introduced in August 2020, has become the second-largest meme coin behind Dogecoin, boasting a market capitalization of approximately $8.3 billion.Trading at around $0.00001408, SHIB has posted a 23% rise over the past month. Technically, the coin is nearing breakouts from two key chart formations: a descending wedge observed between November and March, and a bullish flag that appeared in mid-May.
Key resistance is located at $0.000022, but sustained momentum could drive SHIB toward Gemini’s more bullish prediction of $0.0001 to $0.0005 by December—an increase of 7x to 35x from current levelsContributing to this potential rally is SHIB’s aggressive token burn mechanism. This month, 1.3 billion SHIB tokens were burned in the space of seven days, reflecting a burn rate surge of 2,080%.
SHIB is also expanding beyond meme coin status. Built atop Ethereum, it now benefits from its Layer-2 solution, Shibarium, which enhances scalability, slashes gas fees, and improves dApp performance and user privacy—making SHIB an increasingly viable asset for broader DeFi usage.
Pepe ($PEPE): Gemini Predicts a 3x Climb for Meme Giant
Pepe ($PEPE), inspired by the legendary cartoon frog created by Matt Furie, has quickly become one of the top meme cryptocurrencies by market cap since its debut in April 2023. It now holds a valuation of more than $5.4 billion, outperforming all fellow non-dog-themed meme coin competitors.Despite a flood of imitators, PEPE has maintained dominance thanks to vibrant community support and deep market liquidity. Elon Musk has subtly hinted at PEPE being among his preferred holdings alongside Dogecoin.
Currently priced near $0.0000129 and up 37.5% over the last month, PEPE has outpaced the daily 30-day returns of Bitcoin and Ethereum, though today it is slightly underperforming with a modest 0.4% dip in the last 24 hours as the rest of the $84 billion meme coin market rallied 3.2%.
Gemini AI believes PEPE could triple in value by year-end, reaching as high as $0.000035—high above its December 2024 all-time high of $0.00002803, from which it has since fallen by 54%.Technicals show a descending wedge pattern formed between November and March—a setup that typically signals a steep trend reversal upwards in the near-term.
Should bullish momentum continue, PEPE could revisit prior highs and potentially rise to $0.00004 or even $0.00005 before the New Year, especially if a broader market rally unfolds.
$BTC
$XRP
$SHIB
#PEPE $pepe
Bitcoin recently made headlines by reaching an all-time high of $122,838 last week—a milestone many experts believe could spark accelerated mainstream crypto adoption, assuming the bullish trend holds.
This breakout has injected new enthusiasm across the crypto sector, fueling predictions that the next market upswing could eclipse the record-setting rally of 2021 and push leading altcoins into uncharted territory.
Here are the digital assets Gemini AI predicts could generate substantial returns by the holiday season.
XRP (Ripple): Gemini Predicts Price Multiplying 6x Before 2025 Ends
Gemini’s projections place Ripple’s leading blockchain coin XRP (XRP) at a potential $20 valuation by late 2025—representing a sixfold increase from its current price of about $3.22.
The forecast follows XRP’s robust performance this year. The token reached a new record high of $3.65 on July 18, surpassing its previous 2018 peak of $3.40. XRP has gained 9% over the last two weeks and 47% over the last month, outpacing both Bitcoin and other altcoins listed in this reportGrowing investor confidence stems from evolving regulatory clarity, increased utility, and speculation surrounding the launch of an XRP-based spot ETF—all of which could attract significant investment flows.
XRP facilitates lightning-fast, cost-effective cross-border transactions without intermediaries. In 2024, the United Nations Capital Development Fund (UNCDF) endorsed XRP as a frictionless blockchain solution for international remittances.A pivotal legal victory came in 2023, when a U.S. court ruled that Ripple’s sales of XRP to retail buyers did not constitute securities transactions. The SEC formally ended its case by March 2025, eliminating one of the biggest hurdles facing the token.
With XRP currently trading 11.4% below its ATH, surpassing that benchmark could pave the way toward Gemini’s more conservative $5 to $15 year-end target, with upside potential for even higher gains.Its RSI has dipped from 86 last Monday to 61 today, indicating a cooling period which may allow the asset to consolidate before another upward move.
In a scenario where regulatory conditions improve further—such as under a Trump-led administration—Gemini AI suggests XRP might even double its projected value, eclipsing previous records set during the 2021 bull run.
Over the past year, XRP has climbed 433%, outperforming Bitcoin’s 75% growth during the same period.
Shiba Inu (SHIB): Gemini Says SHIB Fans Could See a 35X Surge by Year’s End in Most Bullish Case Scenario
Shiba Inu (SHIB), introduced in August 2020, has become the second-largest meme coin behind Dogecoin, boasting a market capitalization of approximately $8.3 billion.Trading at around $0.00001408, SHIB has posted a 23% rise over the past month. Technically, the coin is nearing breakouts from two key chart formations: a descending wedge observed between November and March, and a bullish flag that appeared in mid-May.
Key resistance is located at $0.000022, but sustained momentum could drive SHIB toward Gemini’s more bullish prediction of $0.0001 to $0.0005 by December—an increase of 7x to 35x from current levelsContributing to this potential rally is SHIB’s aggressive token burn mechanism. This month, 1.3 billion SHIB tokens were burned in the space of seven days, reflecting a burn rate surge of 2,080%.
SHIB is also expanding beyond meme coin status. Built atop Ethereum, it now benefits from its Layer-2 solution, Shibarium, which enhances scalability, slashes gas fees, and improves dApp performance and user privacy—making SHIB an increasingly viable asset for broader DeFi usage.
Pepe ($PEPE): Gemini Predicts a 3x Climb for Meme Giant
Pepe ($PEPE), inspired by the legendary cartoon frog created by Matt Furie, has quickly become one of the top meme cryptocurrencies by market cap since its debut in April 2023. It now holds a valuation of more than $5.4 billion, outperforming all fellow non-dog-themed meme coin competitors.Despite a flood of imitators, PEPE has maintained dominance thanks to vibrant community support and deep market liquidity. Elon Musk has subtly hinted at PEPE being among his preferred holdings alongside Dogecoin.
Currently priced near $0.0000129 and up 37.5% over the last month, PEPE has outpaced the daily 30-day returns of Bitcoin and Ethereum, though today it is slightly underperforming with a modest 0.4% dip in the last 24 hours as the rest of the $84 billion meme coin market rallied 3.2%.
Gemini AI believes PEPE could triple in value by year-end, reaching as high as $0.000035—high above its December 2024 all-time high of $0.00002803, from which it has since fallen by 54%.Technicals show a descending wedge pattern formed between November and March—a setup that typically signals a steep trend reversal upwards in the near-term.
Should bullish momentum continue, PEPE could revisit prior highs and potentially rise to $0.00004 or even $0.00005 before the New Year, especially if a broader market rally unfolds.
$BTC
$XRP
$SHIB
#PEPE $pepe
Huma Finance is revolutionizing the way we think about lending and borrowing by introducing a new concept called PayFi, or Payment Finance. This decentralized protocol allows users to borrow against their future income streams, such as salaries, invoices, or remittances, without requiring collateral. Here's how it works:
*Key Features:*
- *Uncollateralized Lending*: Huma Finance uses a Time-Value-of-Money (TVM) model to facilitate lending without collateral.
- *Cash Flow Analysis*: The protocol analyzes cash flow patterns to offer liquidity matching 70-90% of expected future revenue.
- *Smart Contracts*: Transactions are executed instantly and securely via smart contracts.
- *Real-World Impact*: Huma Finance has already processed billions of dollars in real-world on-chain payments.
*Benefits:*
- *Instant Liquidity*: Users can access liquidity instantly, without waiting for traditional payment processing times.
- *Transparency*: Transactions are transparent and secure, thanks to blockchain technology.
- *Efficiency*: Huma Finance streamlines payment processing, reducing costs and increasing efficiency.
*HUMA Token:*
- *Governance*: The HUMA token allows holders to participate in protocol governance and decision-making.
- *Rewards*: Token holders can earn rewards by providing liquidity and contributing to the ecosystem.
- *Utility*: HUMA tokens unlock advanced features and benefits within the Huma Finance ecosystem.
*Current Price and Market:*
- *Current Price*: The current price of HUMA is around $0.03-$0.04 USD, with a 24-hour trading volume of $2.36M-$3.78M USD.
- *Market Cap*: While the exact market cap isn't specified for the crypto HUMA, a related stock, Humacyte Inc, has a market cap of $383.92M ¹ ² ³.
$HUMA
*Key Features:*
- *Uncollateralized Lending*: Huma Finance uses a Time-Value-of-Money (TVM) model to facilitate lending without collateral.
- *Cash Flow Analysis*: The protocol analyzes cash flow patterns to offer liquidity matching 70-90% of expected future revenue.
- *Smart Contracts*: Transactions are executed instantly and securely via smart contracts.
- *Real-World Impact*: Huma Finance has already processed billions of dollars in real-world on-chain payments.
*Benefits:*
- *Instant Liquidity*: Users can access liquidity instantly, without waiting for traditional payment processing times.
- *Transparency*: Transactions are transparent and secure, thanks to blockchain technology.
- *Efficiency*: Huma Finance streamlines payment processing, reducing costs and increasing efficiency.
*HUMA Token:*
- *Governance*: The HUMA token allows holders to participate in protocol governance and decision-making.
- *Rewards*: Token holders can earn rewards by providing liquidity and contributing to the ecosystem.
- *Utility*: HUMA tokens unlock advanced features and benefits within the Huma Finance ecosystem.
*Current Price and Market:*
- *Current Price*: The current price of HUMA is around $0.03-$0.04 USD, with a 24-hour trading volume of $2.36M-$3.78M USD.
- *Market Cap*: While the exact market cap isn't specified for the crypto HUMA, a related stock, Humacyte Inc, has a market cap of $383.92M ¹ ² ³.
$HUMA
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