Category: Crypto Hub

Stellar’s 34% Breakout Beckons If This XLM Chart Holds  DailyCoin
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“First Time Ever”: CFTC Greenlights Spot Crypto Trading on Regulated U.S. Exchanges  Cryptonews
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Leading financial advice companies continue to broaden access for clients to include cryptocurrency assets in their portfolios, with Bank of America this week approving  a 1% to 4% advisor-endorsed allocation to certain digital assets beginning early next year for clients of its Merrill, Bank of America Private Bank, and Merrill Edge platforms.
Qualified Bank of America clients right now can buy firm approved crypto exchange-traded funds; what’s new is that the bank’s advisors can recommend the product.
That’s significant.
In securities industry parlance, a “solicited” trade is one a broker or advisors recommends to a customer. An “unsolicited” trade is a transaction initiated by the client.
“I’m still skeptical about cryptocurrency and Bitcoin,” said one senior industry executive who spoke privately about the matter to InvestmentNews. “What’s underlying it?”
Cryptocurrencies and Bitcoin are known for extreme volatility, so it remains a question whether Bank of America’s advisors will embrace selling such products. According to coinbase.com, the price Thursday for Bitcoin was above $92,100 after reaching a high of $126,000.
Bank of America and Merrill Lynch advisors, among the most profitable in the financial advice industry, starting January 5 can recommend four crypto ETFs covered internally by the chief investment officer: Bitwise Bitcoin ETF, with the ticker BITB; Grayscale Bitcoin Mini Trust, BTC; Fidelity Wise Origin Bitcoin Fund,  FBTC; and iShares Bitcoin Trust, IBIT.
Bank of America’s guidance of an allocation of 1% to 4% is in range with others in the industry, sources noted.  
Advisors will participate in training to be eligible. 
"This update reflects growing client demand for access to digital assets," said Nancy Fahmy, head of Investment Solutions Group, in a statement. "By introducing Chief Investment Offie coverage, training and providing allocation guidance, we're equipping advisors with the tools needed to meet evolving client interest in an informed way." 
“For investors with a strong interest in thematic innovation and comfort with elevated volatility, a modest allocation of 1% to 4% in digital assets could be appropriate. Said Chris Hyzy, Chief Investment Officer, in the statement. “Our guidance emphasizes regulated vehicles, thoughtful allocation, and a clear understanding of both the opportunities and risks.”
In an early October note, Morgan Stanley's global investment committee provided investors and financial advisors with allocation parameters suggesting 2%-4% of their portfolio should be in crypto, which it described as a "speculative but increasingly popular asset class that many investors, but not all, will seek to explore."
And in December last year, BlackRock put forth a case for investors to allocate 1%-2% of their portfolio to bitcoin.
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XRP (XRP-USD) trades around $2.16, stabilizing after failing to sustain a breakout above $2.22. The asset remains range-bound between $2.00 and $2.33, with market sentiment split between institutional accumulation through ETFs and supply pressures from Ripple’s treasury activity. The interplay between these forces defines a complex technical and macro setup heading into 2026.
XRP has seen unprecedented institutional participation in early December, with ETF inflows totaling $844.99 million, equivalent to more than 318 million tokens, absorbed across major U.S. issuers such as Grayscale, Bitwise, and Franklin Templeton. Assets under management now exceed $800 million, and traders expect the one-billion-dollar mark to be reached before year-end. This shift reflects not just speculation but a structural evolution of XRP’s investor base. The inclusion of crypto ETFs on Vanguard’s trading platform, now accessible to over fifty million users, has significantly expanded XRP’s exposure to regulated investment channels. The combination of this institutional adoption and softening U.S. yields has kept demand resilient even as short-term volatility remains elevated.
On-chain data revealed that Ripple transferred approximately 92 million XRP, valued at $202 million, to Binance in two tranches of about $101 million each. These movements occurred shortly after ETF allocations rose, suggesting possible synchronization with rebalancing events. Despite investor concern over potential sell-side pressure, XRP’s price declined only marginally before rebounding above $2.18, signaling that the market is gradually adapting to Ripple’s recurring escrow and liquidity operations. The company continues to unlock one billion XRP monthly, re-locking around sixty percent, a pattern that keeps roughly 400 million tokens entering circulation on average per month. This ongoing liquidity supply defines XRP’s medium-term inflation curve and directly influences its resistance levels.
On the technical front, XRP-USD has entered a consolidation phase characterized by contracting volume and flattening volatility bands. The 50-day exponential moving average stands at $2.31, while the 100-day and 200-day lines remain clustered near $2.46–$2.49, sustaining a bearish alignment. The relative strength index (RSI) has hovered around 44, showing subdued momentum. A daily close above $2.28–$2.30 would open the path toward $2.36, $2.50, and eventually $2.69, but a break below $2.00 risks a correction toward $1.77. Trading volume fell by thirty percent in the past twenty-four hours, suggesting short-term exhaustion among leveraged buyers. The next decisive impulse will likely come from ETF flow data or a new regulatory headline.
While ETF inflows demonstrate strong demand from professional investors, whale activity has moved in the opposite direction. Wallets holding more than 100 million XRP have decreased by over 20% in eight weeks, confirming redistribution from early holders to custodial structures. Analysts debate whether this shift improves liquidity stability or increases systemic fragility by concentrating control within ETF custodians. The broader result is a gradual decline in on-exchange float, magnifying XRP’s sensitivity to short-term capital flows. This divergence between institutional accumulation and whale selling forms the core tension driving current price behavior.
Ripple’s newly expanded Major Payment Institution (MPI) license in Singapore strengthens its regional regulatory standing and allows it to process cross-border payments through both XRP and RLUSD, its recently launched U.S. dollar stablecoin. This development reinforces XRP’s practical utility across Asian financial corridors, where regulated blockchain settlements are gaining traction. Combined with easing Federal Reserve policy expectations, the macro environment favors liquidity inflows to crypto-linked assets. With traders pricing in at least two U.S. rate cuts in 2026, risk appetite across digital assets continues to broaden.
Forecasting models remain divided. Algorithmic projections from independent analysts place near-term consolidation between $2.15 and $2.20 until a confirmed breakout above $2.33 occurs. Should momentum exceed this barrier, price expansion toward $2.60–$3.00 becomes technically viable. Elliott Wave interpretations from Brave New Coin envision a longer-term fifth wave pattern targeting the $10 zone by mid-2026. Meanwhile, institutional models from TipRanks and Standard Chartered identify mid-range objectives around $5.50–$5.60 within the next twelve to eighteen months, aligning with potential mass adoption of Ripple’s settlement network. These forecasts, while optimistic, rely on continued ETF growth and stable regulatory conditions.
Ripple’s progress mirrors a broader resurgence of payment-oriented blockchain projects. The rise of Remittix (RTX) — a PayFi platform that recently raised $28.9 million — has revitalized investor attention toward utility-driven protocols. Its wallet infrastructure and planned web application emphasize the return of real-use networks within the crypto landscape. This thematic parallel supports the renewed narrative that XRP, as a bridge asset for remittances and liquidity corridors, sits at the core of the payment-token resurgence. Market observers have dubbed this correlation the “RTX Effect,” describing how retail and institutional interest in transactional blockchains feed into one another’s valuation cycles.
Despite the improving narrative, several risk vectors persist. XRP remains exposed to concentration among a few large entities, including Ripple itself. Continuous escrow releases impose predictable but unavoidable inflationary pressure. A potential delay in further ETF approvals or a surprise reversal in monetary policy could reignite dollar strength and cap altcoin inflows. Additionally, while Singapore’s licensing progress strengthens credibility, uncertainty in the United States still clouds the full regulatory outlook for secondary-market XRP trades. Any enforcement action by U.S. authorities could temporarily disrupt market access and liquidity.
Considering both technical and macro conditions, XRP-USD maintains a constructive yet cautious stance. The price structure above $2.00 remains stable, underpinned by record ETF inflows and tangible progress in Ripple’s cross-border payments network. However, repeated rejection near $2.33, combined with declining whale participation, restrains immediate upside potential. A confirmed breakout above $2.33 would activate bullish targets toward $2.60–$3.00, while sustained closes below $2.00 could revert the trend to $1.70–$1.90. As of December 4, 2025, the most balanced position remains HOLD with a bullish bias, supported by solid institutional demand, maturing regulation, and an evolving narrative that increasingly links XRP to the next phase of global payment infrastructure.
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His latest work, “Regular Animals,” features Jeff Bezos, Mark Zuckerberg, Elon Musk, Pablo Picasso, Andy Warhol, and Beeple himself (aka Mike Winkelmann) as robot dogs that walk around taking photos and poop out stylized images, 256 of which are NFTs. Beeple told Page Six that the piece represents how we now “see the world through their eyes.” Eurgh.
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Michael Saylor’s bitcoin treasury company, Strategy (MSTR), has set up a $1.44 billion U.S. dollar reserve, a move that onchain analytics firm CryptoQuant says signals preparation for a potential bitcoin bear market.
CryptoQuant stated in a recent report:
“Strategy appears to acknowledge a non-trivial probability of a deep or extended bitcoin drawdown. Establishing a 24-month USD buffer suggests an expectation that bitcoin could trade sideways or lower for an extended period, and that capital markets may be less receptive to future stock issuance.”
Strategy’s USD reserve, funded via its latest at-the-market share issuance, aims to support dividend payments and debt interest, covering at least 12 months initially, with plans to expand coverage to 24 months or more.
CryptoQuant noted that this dual approach—holding both USD and bitcoin—reduces the risk of forced bitcoin sales during downturns and marks a break from Strategy’s previous model of using equity and debt to purchase more bitcoin.
According to CryptoQuant, Strategy’s monthly bitcoin purchases have sharply declined, from 134,000 BTC in November 2024 to just 9,100 BTC in November 2025, with only 135 BTC bought so far in December.
This shift coincides with bitcoin’s largest price drawdown of 2025, as indicated by various bitcoin price history charts and technical indicators now signaling a bearish phase.
The firm’s Bull Score Index recently fell to zero, its most bearish reading since January 2022.
CryptoQuant commented that Strategy is no longer treating its bitcoin holdings as untouchable and is now prioritizing flexibility—including cash buffers, hedging, and selective monetization if needed.
Julio Moreno, CryptoQuant’s head of research, suggested that if the bear market persists, bitcoin could trade between $70,000 and $55,000 in the coming year, with sales of bitcoin considered a last resort after derivatives.
Investment bank Mizuho Securities maintained its outperform rating and $484 price target for Strategy, describing the USD reserve as a liquidity management tool rather than an indication of imminent bitcoin sales.
Mizuho noted that the reserve provides a buffer against forced asset sales, enabling Strategy to sustain operations for over three years at current bitcoin prices.
Bitbo News brings you Bitcoin news that matters.

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Why MobiFi USD (MOFIUSD) Stays in Crypto Spotlight Today Despite Stagnant Price  Meyka
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How Grayscale Holds XLM as the Price Drops More Than 50%  Yahoo Finance
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Stellar (XLM) is outperforming the broader cryptocurrency market as its price climbed by over 8% in the last 24 hours. This surprise uptick has supported the altcoin to overturn its negative outlook of the last seven days.
Stellar price's rebound matches volume boost
According to CoinMarketCap data, Stellar rose from a low of $0.2357 to an intraday peak of $0.2534 amid the bullish reversal. As of press time, the coin was exchanging hands at $0.2460, having experienced a slight correction due to market volatility.
However, major indices remain green, and trading volume has spiked by a significant 41.45% to $235.86 million within the same time frame. This is a clear indication that investors have welcomed the bullish outlook and anticipate a sustained rally.Stellar Price Chart | Source: CoinMarketCap">
The optimism of market participants toward Stellar followed XLM's technical rebound above the $0.2440 level. With its Relative Strength Index (RSI) at 39.08, which clearly signaled oversold recovery, traders are looking forward to the coin reclaiming and stabilizing between $0.25 and $0.26.
If Stellar could push for this range and be supported by a volume boost, it might confirm renewed interest in the asset. This development could support upward momentum for XLM in the market space, say, toward the $0.30 range.
Earlier in September 2025, when prices moved within that range, adoption grew, with about 400 million XLM locked, according to DefiLlama data. This total value locked (TVL) suggested that DeFi apps on Stellar were gaining traction and might impact the price outlook.
Some speculated Stellar could soar to the $1 level if things continued on that path. With the current movement, the community is again buzzing about where market participants hope XLM could rise to in the coming days.
Stellar and its expanding ecosystem 
The expectation that the XLM price has bottomed out is not wishful thinking, given the impressive growth arc of Stellar in the third quarter of 2025. According to Stellar Development Foundation CEO Denelle Dixon, there was an over 700% quarterly increase in smart contract requests compared to Q2.
Additionally, there was growth in real-world assets by a stunning $5.4 billion in volume. With these figures suggesting growing adoption, if XLM finds stability, the price could record impressive numbers in the crypto space.
Other bullish signals in the broader crypto space involve the SWIFT ISO 20022 migration completion. While XLM is not ISO certified, its infrastructural alignment makes it an ideal asset for cross-border transactions. Thus, it could serve as a bridge between crypto and traditional finance.
Select market data provided by ICE Data Services. Select reference data provided by FactSet. Copyright © 2025 FactSet Research Systems Inc.Copyright © 2025, American Bankers Association. CUSIP Database provided by FactSet Research Systems Inc. All rights reserved. SEC fillings and other documents provided by Quartr.© 2025 TradingView, Inc.

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Stellar House Takes to Miami: Will Builder Link Up Fix XLM Price Prediction?  99Bitcoins
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