Blockchain technology is evolving beyond speed, with predictive intelligence set to revolutionize infrastructure by reducing latency and enhancing scalability. This shift from reactive to anticipatory systems promises to improve user
Turkey’s Ministry of Treasury and Finance is tightening regulations on crypto asset service providers in a bid to clamp down on illicit financial activities. According to the Ministry, digital asset platforms must now collect and verify more detailed information about user transactions. This information includes obtaining a written explanation of at least 20 characters describing the purpose of each transfer, along with verifying the origin of funds involved. Per AA, the government believes this measure will enhance transparency and help identify suspicious activity earlier in the transaction process. Turkey Impose Withdrawal Restrictions to Disrupt Illicit Flows In a major shift, the new regulation imposes a delay on crypto asset withdrawals. Any crypto purchased, exchanged, or deposited will be subject to a 48-hour waiting period before it can be withdrawn. For new users making their first withdrawal, the waiting period will extend to a minimum of 72 hours. Authorities believe these delays will reduce the ability of criminal actors to quickly transfer illicit funds outside the system before they are detected or blocked. Stablecoins are also under scrutiny in the new regulatory framework. The Ministry will impose a daily transfer cap of $3,000 and a monthly limit of $50,000 for these digital assets. These restrictions are designed to prevent the rapid movement of large sums of money that may be connected to illegal betting, fraud, or other criminal proceeds. However, platforms that fully comply with the travel rule, which requires collecting identifiable information about both sender and receiver will be allowed to operate with limits twice as high. While the regulations are strict, the Ministry emphasized that they do not aim to stifle legitimate activities within the crypto space. Treasury and Finance Minister Mehmet Şimşek stated that transactions linked to market making, liquidity provision, and arbitrage will be permitted without restriction. Notably, the Ministry issued a clear warning to platforms that fail to comply with the new rules. Sanctions may include administrative penalties, financial fines, or even the denial or cancellation of operational licenses. Turkey Continues to Tighten Crypto Legal Framework The latest enforcement actions build on Turkey’s broader regulatory overhaul published on March 13, 2025, through amendments to Capital Markets Law No. 6362. These changes placed crypto platforms under the oversight of the Capital Markets Board (CMB). Two communiqués, III-35/B.1 and III-35/B.2 set out new rules for platform structure, capital requirements, internal audits, and customer protection. Platforms must be joint-stock companies with minimum capital and approved management. Aside from this, they are also required to conduct proof-of-reserve audits, partner with CMB-approved custodians, and maintain separate accounts for user funds. Additional rules govern asset listings, conflict of interest policies, risk disclosures, and dispute resolution processes to enhance user safety and platform transparency. Turkey is tightening crypto AML regulations! By February 2025, all transactions over 15,000 lira will require user identification. #TurkeyCrypto #AML https://t.co/krSkosCVSs — Cryptonews.com (@cryptonews) December 25, 2024 Prior to then, Turkey introduced tighter crypto rules in February 2025 to strengthen anti-money laundering (AML) compliance and align with global standards. Announced in the last week of 2024, the regulations require crypto service providers to collect user identification for transactions over 15,000 lira (about $425). Modeled after the EU’s MiCA framework , the rules aim to curb money laundering and terror financing, as Turkey’s presence in global crypto markets continues to grow. The post Turkey Slaps Strict New Crypto Oversight: Mandatory Source Checks, $3K Daily Stablecoin Limit appeared first on Cryptonews .
Global liquidity and BTC's resilience could fuel continued uptrend.
Ethereum has experienced significant volatility in recent days, driven largely by escalating geopolitical tensions in the Middle East. After breaking down from the range that had held since early May, ETH fell sharply to $2,100, triggering widespread concern among investors. The breakdown was largely attributed to the market’s reaction to the US attack on Iranian nuclear facilities, which escalated the conflict between Israel and Iran. Related Reading: Bitcoin Battles Key Support: Daily EMA-100 Must Hold to Prevent Deep Correction However, markets quickly responded to positive developments. Ethereum rebounded strongly above the $2,400 level following reports that Iran and Israel had agreed to a ceasefire, temporarily easing global risk sentiment. This relief rally brought new optimism to the Ethereum market, especially amid signs of institutional confidence. According to data shared by top analyst Ted Pillows, a major whale or institutional entity purchased another $8.91 million worth of ETH, continuing an aggressive accumulation streak. Over the past three weeks, this same entity has reportedly bought $422 million in Ethereum, signaling strong conviction despite recent market stress. This wave of accumulation suggests that long-term players may view the current price zone as a key opportunity, reinforcing the idea that Ethereum could be building a base for its next major move once broader conditions stabilize. Ethereum Surges As Ceasefire Ignites Market Optimism Ethereum surged over 14% following reports of a ceasefire agreement between Israel and Iran, providing a much-needed relief rally after weeks of geopolitical tension and uncertainty. The news sparked a wave of bullish momentum across the market, with ETH rebounding sharply from recent lows near $2,100 to trade firmly above the $2,400 mark. Bulls, who had lost control amid panic selling, are now showing signs of strength as the market prepares for its next decisive move. Despite this rebound, caution remains. The broader macroeconomic environment continues to tighten, with rising concerns over a potential US recession, high Treasury yields, and sustained hawkishness from the Federal Reserve. These factors could weigh on risk assets in the weeks ahead, putting Ethereum’s rally to the test. Nonetheless, optimism is building, especially around the possibility of the long-awaited altseason—one that many believe will be led by Ethereum. Adding fuel to this narrative is the growing trend of whale accumulation. According to insights shared by analyst Ted Pillows, a major whale or institutional entity has just acquired another $8.91 million worth of ETH. This purchase adds to a staggering $422 million in Ethereum accumulated over the past three weeks. Such aggressive buying suggests that large players are positioning themselves for a major move ahead, likely expecting Ethereum to be at the forefront of the next market cycle. As ETH consolidates above key levels, the accumulation trend could act as a foundational force supporting higher prices, especially if macro and geopolitical risks stabilize. Related Reading: Ethereum Holds Critical Support – $2,350 Level Could Define The Next Move ETH Reclaims $2,400 Following Sharp Rebound Ethereum has reclaimed the $2,400 level after a swift rebound from a breakdown near $2,100. The recent candle structure on the 3-day chart shows a strong wick to the downside, followed by a recovery, reflecting the impact of geopolitical developments, most notably the ceasefire between Iran and Israel. This bounce prevented a deeper selloff and has brought Ethereum back above a key psychological level. Looking at the chart, ETH remains under pressure from the 100-day and 200-day moving averages, currently acting as resistance around the $2,638 and $2,779 zones. Price also recently broke a short-term descending trendline and is now attempting to consolidate above it. This suggests the potential for a trend reversal if bulls can sustain momentum and push through the moving average cluster. Related Reading: Solana Cracks Below Key Structure – Head And Shoulders Breakdown Points To $106 Volume remains subdued but shows signs of recovery, signaling early interest returning after the fear-driven flush. A break and close above the $2,600 range would likely open the path to retest the $2,800 zone, which was a major supply area in previous months. Featured image from Dall-E, chart from TradingView
BitcoinWorld Bitcoin Triumph: The Blockchain Group Unveils Massive 1,728 BTC Holdings and Soaring Yield The crypto world is buzzing with exciting news from The Blockchain Group , which recently announced a significant expansion of its Bitcoin reserves. This move isn’t just a simple purchase; it’s a bold statement in the evolving landscape of corporate Bitcoin strategy , pushing their total BTC holdings to an impressive 1,728 and showcasing an extraordinary 1,231.7% year-to-date yield. For anyone interested in crypto investment , this development offers a fascinating glimpse into how major players are leveraging digital assets to achieve remarkable financial success. What’s Behind The Blockchain Group’s Latest Bitcoin Acquisition? The Blockchain Group ‘s recent acquisition of 75 BTC for approximately €6.9 million, announced via X, underscores their unwavering confidence in the leading cryptocurrency. This isn’t their first foray into significant Bitcoin purchases, but each new addition reinforces their long-term vision for digital assets and their commitment to a robust corporate Bitcoin strategy . Why are forward-thinking companies like The Blockchain Group increasingly accumulating Bitcoin ? The reasons are compelling and multifaceted: Inflation Hedge: Many institutional investors and corporations view Bitcoin as ‘digital gold,’ a scarce, decentralized asset that can potentially preserve value against fiat currency devaluation and economic uncertainties. Portfolio Diversification: Adding a non-correlated asset like Bitcoin to traditional investment portfolios can help reduce overall risk and enhance returns, offering a unique avenue for growth. Growth Potential: Despite its inherent volatility, Bitcoin’s historical performance has demonstrated immense upside potential, attracting entities seeking significant long-term appreciation. Strategic Positioning: Being an early or prominent mover in the institutional adoption of cryptocurrencies can provide a significant competitive edge, positioning a company at the forefront of financial innovation. Understanding The Blockchain Group’s Impressive 1,728 BTC Holdings With this latest purchase, The Blockchain Group ‘s total BTC holdings now stand at 1,728. While this figure may not match the colossal reserves of crypto giants like MicroStrategy (which holds over 200,000 BTC), it firmly positions The Blockchain Group as a notable institutional holder. This substantial reserve reflects a deliberate and sustained corporate Bitcoin strategy , emphasizing a long-term belief in the asset’s value. Perhaps even more striking is the reported year-to-date Bitcoin yield of 1,231.7%. This astounding figure highlights the substantial gains possible for strategic and early adopters in the crypto space. While the exact mechanisms generating this yield are not detailed in the announcement, it typically involves a combination of market appreciation of their existing holdings and potentially other yield-generating activities such as staking or lending their Bitcoin reserves. This demonstrates not just holding, but actively growing their digital asset portfolio. Key figures from The Blockchain Group ‘s announcement: Current Total BTC Holdings: 1,728 BTC Latest Bitcoin Acquisition: 75 BTC Approximate Cost of Latest Purchase: €6.9 million Year-to-Date Bitcoin Yield: 1,231.7% The Power of Corporate Bitcoin Strategy: A Growing Trend The Blockchain Group ‘s actions are part of a broader, accelerating trend: corporations integrating Bitcoin into their treasury reserves. This shift signifies a growing recognition among businesses that Bitcoin is not merely a speculative asset, but a legitimate and potentially valuable component of a robust treasury management system. This evolution signals a maturing market and burgeoning institutional confidence in digital assets. Notable examples of companies that have embraced a significant corporate Bitcoin strategy include: MicroStrategy: A pioneer in corporate Bitcoin adoption, holding an immense amount as its primary treasury reserve asset, effectively transforming into a Bitcoin holding company. Tesla: While its holdings have fluctuated, Tesla’s initial large purchase brought significant mainstream attention and legitimacy to corporate crypto adoption. Block (formerly Square): Jack Dorsey’s financial services company has also invested in Bitcoin, aligning with its mission to empower economic independence through decentralized finance. This growing trend suggests a future where digital assets play a more central role in corporate finance, moving beyond niche speculation to mainstream treasury management and strategic asset allocation. Navigating Crypto Investment: Benefits and Risks For individuals and institutions alike, crypto investment offers compelling opportunities, as powerfully demonstrated by The Blockchain Group ‘s impressive yield. However, it’s crucial to approach this space with a clear understanding of both the potential benefits and the inherent risks. Key Benefits of Crypto Investment: High Growth Potential: Cryptocurrencies, particularly Bitcoin, have historically delivered substantial returns, outperforming many traditional asset classes over various timeframes. Decentralization: The peer-to-peer nature of Bitcoin offers freedom from traditional financial intermediaries and government control, appealing to those seeking financial autonomy. Accessibility: Crypto markets operate 24/7, globally, with relatively lower barriers to entry compared to some traditional investments, making them accessible to a wider audience. Challenges and Risks: Volatility: Price swings in the crypto market can be extreme and rapid, leading to substantial gains or equally significant losses in short periods. Regulatory Uncertainty: The global regulatory landscape for cryptocurrencies is still evolving, posing potential challenges and unpredictable shifts for investors and businesses. Security Concerns: The digital nature of crypto assets makes them susceptible to hacks, scams, and the irreversible loss of private keys if not managed with utmost care. Market Manipulation: Smaller market capitalization assets can be more susceptible to manipulation by large holders or coordinated groups, leading to artificial price movements. Actionable Insight: Always conduct thorough research (DYOR – Do Your Own Research) and carefully consider your risk tolerance before engaging in crypto investment . Diversification, both within crypto and across different asset classes, remains a key strategy for managing risk. What Does This Mean for The Blockchain Group’s Future? The Blockchain Group ‘s continued and substantial accumulation of Bitcoin signals a strong conviction in the long-term value proposition of digital assets. This aggressive and forward-thinking stance, combined with their reported high yield, could serve as a blueprint for other companies looking to enhance their treasury strategies with cryptocurrencies. Their actions validate Bitcoin as a serious asset class for corporate balance sheets. This strategic approach could lead to several positive outcomes for the company: Increased Shareholder Value: Direct appreciation of their Bitcoin holdings can significantly boost the company’s overall valuation and financial health. Enhanced Brand Reputation: Being recognized as a technologically astute and innovative company that embraces future-oriented financial strategies can attract new talent and business opportunities. Potential for Future Expansion: Leveraging their significant BTC holdings , The Blockchain Group might explore further ventures within the blockchain ecosystem, such as decentralized finance (DeFi) or Web3 initiatives. As the digital economy continues its rapid expansion, companies that strategically embrace assets like Bitcoin are likely to be at the forefront of innovation, demonstrating robust financial foresight and securing a strong position in the evolving global market. The Blockchain Group ‘s latest 75 BTC purchase, bringing their total BTC holdings to 1,728, is a powerful testament to the growing institutional embrace of Bitcoin . Coupled with an astounding 1,231.7% year-to-date yield, their corporate Bitcoin strategy exemplifies the significant opportunities available in crypto investment . While the journey involves inherent volatility, the benefits of diversification, inflation hedging, and growth potential are clearly driving more companies to consider Bitcoin as a core treasury asset. This decisive move by The Blockchain Group not only strengthens their financial position but also highlights the increasing legitimacy and transformative potential of the digital asset space for businesses worldwide. To learn more about the latest Bitcoin trends, explore our article on key developments shaping Bitcoin institutional adoption. This post Bitcoin Triumph: The Blockchain Group Unveils Massive 1,728 BTC Holdings and Soaring Yield first appeared on BitcoinWorld and is written by Editorial Team
Blockchain’s next leap is about intelligence. Predictive infrastructure anticipates demand, erases latency and enables new levels of trust and scalability. Blockchain can become proactive and invisible.
In crypto news today: Crypto market is green today Paradigm Leads $15 Million Series A for Synthetic Exchange GTE Story and OKX Launch $10 Million Fund for IP x AI Startups CleanSpark Reaches 50 EH/s Milestone __________ Crypto market is green today The crypto market has turned green over the past day. The global cryptocurrency market capitalization has increased by 2.2% to $3.37 trillion. At the time of writing, the daily crypto trading volume is $156 billion. At the time of writing, all the top 10 coins per market capitalization have seen their prices increase. Bitcoin (BTC) is up by 3.7%, now trading at $105,241. Furthermore, Ethereum (ETH) increased by 6.9%, now changing hands at $2,413. The highest increase is XRP (XRP)’s 8.8%, currently trading at $2.18. This is followed by Solana (SOL)’s 7.4% to $144. The smallest rise is Tron (TRX)’s 1.3% to the price of $0.2734. Meanwhile, only two of the top 100 coins are red at the time of writing. OKB (OKB) is down 1.2% to $50.5. Fasttoken (FTN) is also red, but its decline is so small that the price is unchanged at $4.43. Moreover, 30 coins in this category recorded double-digit increases. Of these, the biggest gainer is Sei (SEI) , which appreciated 42.7%, now trading at $0.2831. SPX6900 (SPX) follows with a 22.7% increase to $1.26. Read more: Why Is Crypto Up Today? – June 24, 2025 The crypto market is up today following a de-escalation in the Middle East. 98 of the top 100 coins have appreciated over the past 24 hours. Moreover, the cryptocurrency market capitalization has increased by 2.9% over the past day, now standing at $3.23 trillion. The total crypto trading volume is at $150 billion.Crypto Winners & LosersThe crypto market finally took a turn for the green today. All the top 10 coins per market cap are up and with notable increases.Bitcoin (BTC)... Paradigm Leads $15 Million Series A for Synthetic Exchange GTE Decentralized exchange GTE ( Global Token Exchange ) secured a $15 million Series A, led exclusively by Paradigm . Per the blog post, this funding will accelerate the DEX’s infrastructure build‑out and support expansion into additional asset classes and geographic markets. The team says that GTE combines centralized‑exchange‑level performance, liquidity, and asset coverage with the openness of decentralized finance. Therefore, it “gives previously underserved investors direct access to assets and prices once out of reach, creating deep and transparent markets worldwide.” Today, we’re proud to announce that GTE has raised a $15m Series A from @Paradigm to scale the Global Token Exchange. We’ll use this capital to ship products even faster. Because where we’re from, we not satisfied with being fast — we want to be the fastest. Now back to work. pic.twitter.com/XfnHqojVOU — GTE (@GTE_XYZ) June 23, 2025 Moreover, GTE is the first full‑stack exchange, the team claims. It covers a token’s life cycle, from issuance to trading spot to perpetual futures, on a single trading platform. Meanwhile, the testnet saw 500,000 unique traders onboarded across more than 100 countries, clearing $110 billion in volume in two months. The exchange’s founding team brings experience from Palantir , AWS , Nasdaq , Citadel , Bridgewater , Mastercard , and more, the announcement says. You may also like: a16z Invests $70 Million in EigenLayer, EigenCloud Revealed VC giant a16z crypto has bought an additional $70 million in restaking protocol EigenLayer’s EIGEN tokens, while the project today introduced EigenCloud, its novel developer platform.Notably, a16z crypto previously led Eigen Labs’ $100 million Series B round. This latest investment will help the team’s effort to “commercialize” its new services. These, combined with EigenLayer’s third-party Autonomous Verifiable Services (AVSs) ecosystem, can “unblock thousands of app developers across... Story and OKX Launch $10 Million Fund for IP x AI Startups PIP Labs , the initial core contributor to the IP blockchain Story , has partnered with OKX Ventures to launch a fund with up to $10 million. The goal is to “accelerate innovation at the intersection of IP and AI.” According to the announcement, the fund will support early-stage startups focused on IP innovation and decentralized AI, supporting the emergence of IP as a crucial financial asset class. Time to build the future. We're partnering with @OKX_Ventures to launch a $10M fund to back founders unlocking IP as the world’s most important financial primitive in the age of AI. Capital and operational support to take teams from prototype to product. Details ↴ pic.twitter.com/sJc41tMBR2 — Story (@StoryProtocol) June 24, 2025 The new fund will be co-managed by Story and OKX Ventures and priced in the IP token as of 20 May. It will support founders who are designing systems where “IP isn’t an afterthought, but a core design primitive.” These are startups working on IP real-world assets, AI and data licensing, and programmable IP applications. Startups backed by the fund will gain access to capital, marketing and distribution support, the OKX team across verticals, and technical guidance from the Story team. You may also like: OKX Ventures Invests in Sui-Based Liquid Staking Protocol Haedal OKX Ventures confirmed on Friday its seed round investment in Haedal, a protocol for liquid staking on the Sui blockchain.According to a blog post by OKX Ventures, Haedal allows users to stake their SUI tokens with validators to earn consensus rewards while unlocking liquid staking tokens (LSTs) for use in decentralized finance (DeFi).Supporting Staking and On-Chain LiquidityHaedal’s infrastructure is designed to secure the Sui blockchain by facilitating staking activity while... CleanSpark Reaches 50 EH/s Milestone Bitcoin mining company CleanSpark has achieved its mid-year target of 50 exahashes per second (EH/s) of operational hashrate, a measure of computing power dedicated to mining Bitcoin. “Reaching 50 EH/s is a major milestone,” said Zach Bradford, CleanSpark’s CEO and President. “This growth didn’t happen by chance. It’s the result of building and operating our own infrastructure, often from the ground up, which has given us the control, resilience, and scalability needed to lead in this industry.” $CLSK has achieved our mid-year target of 50 exahashes per second (EH/s) of operational hashrate, a measure of computing power dedicated to mining Bitcoin. We’re the first publicly traded miner to reach this scale with fully self-operated infrastructure. “Reaching 50 EH/s… — CleanSpark Inc. (@CleanSpark_Inc) June 24, 2025 Per the press release, CleanSpark’s infrastructure portfolio includes more than 30 locations in the US across Georgia, Mississippi, Tennessee, and Wyoming, with vertically integrated control over energy procurement, development, and operations. “As we look to the future, CleanSpark has laid the foundation to achieve 60 EH/s and beyond. This expansion capacity aligns with the Company’s broader strategy to grow with capital efficiency only possible for an operator that has achieved escape velocity,” Bradford said. You may also like: Bitcoin Miner CleanSpark Achieves 10,000 BTC Treasury, Marks 236% YoY Growth CleanSpark, a U.S.-listed Bitcoin mining company, announced on Thursday that it surpassed 10,000 BTC in its treasury. The milestone reflects the company’s recent mining efforts and operational expansion.CleanSpark Surpassed 10,000 BTC In Treasury: Is This A Bullish Indicator?CleanSpark revealed that its Bitcoin holdings had reached 10,097 BTC, supported by 668 BTC mined in December 2024. By the end of 2024, CleanSpark had accumulated 9,952 BTC, with the new milestone... __________ Bookmark this page and subscribe to our newsletter for the latest crypto news updates! The post What’s Happening in Crypto Today? Daily Crypto News Digest appeared first on Cryptonews .
The founder of the Ripple network has posted his first tweet in 14 years and the XRP price has exploded as a result. The token has accumulated 24-hour gains of nearly 9% even though volumes have gone up by just 3% during this period. This uptick accompanies a strong recovery seen across the entire crypto market after President Donald Trump managed to get Israel and Iran to agree to a cease-fire that seems to be already hanging on a balance. — Arthur Britto (@ahbritto) June 23, 2025 Arthur Britto created the Ripple blockchain in 2011 alongside his partners David Schwartz and Jed MacCaleb. However, he has been away from the spotlight for more than a decade. Twenty hours ago, his X account published an emoji – the first post that Britto has made after this long period of silence. The Ripple community went crazy after they saw the post and retail traders are probably behind today’s strong uptick in XRP. Britto’s partner, Schwartz, who is currently the project’s Chief Technology Officer (CTO), confirmed that his account has not been hacked. What could Britto’s reappearance mean to Ripple’s future? The community seems to agree that it favors a bullish XRP price prediction. XRP Price Prediction: XRP Could Spike to $2.6 If FOMO Makes Its Magic Looking at the daily chart, the market’s recovery alongside this “Britto boost” has pushed XRP back above its key psychological support of $2 per token. Trading volumes have been above the average in the past 3 days, which could be the reason why this 24-hour volume register is not reflective of how high traders’ interest is at the time. Now that the price has moved above this support level, it seems poised to retest the nearest resistance at $2.33. Momentum indicators favor a bullish XRP price prediction as well since the Relative Strength Index (RSI) has moved above the 14-day moving average. Despite the latest drops, the 9-day and 21-day exponential moving averages (EMAs) have managed to stay above the 200-day EMA. This is a positive sign that buying interest below $2 remains quite strong. Britto’s reappearance could ignite a short squeeze if this bullish momentum continues to gain traction in the next few days and could end up propelling the token to $2.6 by the end of the week. Maybe XRP will not reach $5 just yet but the most promising crypto presales like SUBBD (SUBBD) do have the chance to outperform well-established projects like XRP this year as they offer a higher upside potential to early buyers. SUBBD (SUBBD) Raises Nearly $700K to Launch its Decentralized Content Distribution Platform SUBBD (SUBBD) is a content distribution platform that aims to change how influencers monetize their creations by allowing them to use AI-generated images and videos. Creators have struggled for years with unfair bans, restrictive policies, and disadvantageous platform fees. SUBBD changes that by giving them a say in the platform’s roadmap through the SUBBD governance token while also providing a trustless and permissionless compensation scheme that is powered by smart contracts. Fans will benefit from using $SUBBD via subscription discounts and other perks while creators will receive their earnings faster and without being subject to high fees. As this platform’s popularity continues to grow, the demand for the $SUBBD token should explode. To buy it at its discounted presale price, head to the SUBBD website and connect your wallet (e.g. Best Wallet ). You can either swap USDT or ETH for this token or use a bank card to invest. The post XRP Price Prediction: Can Mysterious Ripple Co-Founder Arthur Brittos Push XRP To $5? appeared first on Cryptonews .
The post What XRP Users Are Talking About This Week: Latest Rumors, Predictions & Debates appeared first on Coinpedia Fintech News The XRP community is as fiery as ever, with price debates, predictions, and arguments lighting up crypto forums. While XRP has shown a sharp recovery from last weekend’s drop, the chatter online reveals a divided community with some calling it “scam,” while others remain convinced it’s one of crypto’s best long-term plays. The Bears Are Growling Not everyone’s impressed with XRP’s recent moves. One Reddit user bluntly asked: “Why has XRP failed so miserably? Nearly any other investment seems to have done better in the long run.” The harshest critics pointed to XRP’s early ledger gaps, Ripple’s control over token supply, and centralization concerns as reasons they believe the token isn’t fit for crypto’s decentralized future. The Loyal Defenders Fire Back On the other side, supporters explained XRP’s 350% price gains over the past year and its consistent presence in the top 10 cryptocurrencies by market cap. Many users argued that despite the criticism, XRP has managed to survive multiple market cycles, regulatory battles, and negative press, outperforming countless altcoins that have vanished. XRP Price Action Recap Despite the drama, XRP’s price action has looked constructive this week. After a sharp drop to around $2 during last weekend’s geopolitical tensions, the token rebounded strongly, reclaiming its June range. At the time of writing, XRP is holding steady around $2.15-$2.20 with healthy trading volume. The recovery was aided by improved sentiment as Middle East tensions eased and markets priced in hopes of a possiblel U.S. interest rate cut later this year. While people argued about XRP, old price predictions started popping up again, including the famous $10,000 target. Most experts still think it’s a long shot, but some believe XRP could rally big if regulations become clearer and big institutions start using it more.
What does Pulte’s FHFA crypto mortgage signal actually mean for American homebuyers, and could it rewrite lending norms for those who store wealth in Bitcoin and stablecoins? Table of Contents Mortgage, Pulte, and FHFA enter the crypto conversation Freddie Mac compliance drives lender finance models How crypto might be evaluated Gains in private finance suggest real demand for Bitcoin integration Mortgage, Pulte, and FHFA enter the crypto conversation In a recent announcement, Federal Housing Finance Agency Director Bill Pulte has publicly stated that the agency will “study the usage of cryptocurrency holdings as it relates to qualifying for mortgages.” The announcement, posted on X on Jun. 24, introduces the possibility that Bitcoin ( BTC ) and other digital assets could soon factor into U.S. home loan evaluations. We will study the usage pf cryptocurrency holdings as it relates to qualifying for mortgages. — Pulte (@pulte) June 24, 2025 The idea comes at a time when housing access remains strained. As of mid-2025, the average rate for a 30-year fixed mortgage is just under 7%, the highest level since the mid-2000s. 30-year fixed mortgage rate chart | Source: FRED In May, the median price for an existing home reached $422,800, a record high for the month. Existing home sales have also slowed sharply, with May 2025 marking the weakest pace for that month since 2009. Meanwhile, the affordability squeeze is especially pronounced for first-time buyers. According to the National Association of Realtors, only 30% of home purchases are currently being made by first-time buyers, well below the 40% share considered typical for a balanced market. Rising monthly payments and strict lending criteria have made access difficult for younger buyers and self-employed individuals, particularly those with irregular income but sizable assets. The FHFA is now examining whether crypto holdings could be considered similar to savings, investment portfolios, or other assets during mortgage evaluations. Under such a framework, for example, a person holding $200,000 worth of Bitcoin or Ethereum ( ETH ), but lacking a traditional salary, might still qualify for a loan based on their overall net worth. At present, most mortgage lenders exclude crypto from financial assessments, citing concerns over price volatility, limited regulatory clarity, and the challenges of verifying digital asset ownership. Even high net-worth applicants holding substantial crypto assets are often treated as lacking adequate financial stability under current standards. The FHFA’s announcement does not indicate a finalized policy or regulatory timeline. The review remains in its early stages, and many operational and legal questions will need to be addressed before any change is implemented. Freddie Mac compliance drives lender finance models The FHFA plays a quiet but central role in shaping how Americans access home loans. It oversees Fannie Mae and Freddie Mac, the two government-sponsored entities that guarantee the majority of mortgage loans in the United States. It also regulates the Federal Home Loan Bank system, a network of regional banks that provide liquidity to housing and community development lenders. According to the agency’s data, these institutions collectively support over $8.5 trillion in U.S. home financing. Any change in policy issued by the FHFA carries broad market consequences. Updates to guidelines on credit scores, down payments, or eligible asset classes often influence how banks and lenders structure their loan products. Most lending institutions follow FHFA standards to ensure that their mortgages remain eligible for resale to Fannie or Freddie, which helps manage long-term risk exposure. The agency was established in 2008, following the housing market collapse, with a mandate to strengthen oversight and preserve the safety and liquidity of the mortgage finance system. Within that framework, even a preliminary inquiry into counting crypto assets toward mortgage qualifications carries real weight. The agency’s current direction is closely tied to the background of its director, Bill Pulte. Appointed in March 2025 during President Trump ’s second term, Pulte took office after a lengthy confirmation process. He is the grandson of William Pulte, founder of Pulte Homes, one of the largest homebuilders in the country. Before entering public service, Pulte led Pulte Capital, a private investment firm. He also gained a public following through philanthropic giveaways on X, where he became known as the “Twitter Philanthropist.” Unlike his predecessors, Pulte has direct involvement in the crypto space. Financial disclosures show personal holdings of $500,000 to $1 million in Bitcoin, along with a similar-sized position in Solana ( SOL ). He also holds equity in Marathon Digital Holdings, a U.S.-based Bitcoin mining company, and has previously invested in speculative stocks such as GameStop. His profile stands out in a field typically characterized by conservative financial backgrounds. Pulte has publicly supported crypto since 2019, using his social media presence to promote adoption and encourage policy openness toward digital assets. While the FHFA’s review of crypto in mortgage underwriting is still early and exploratory, its very consideration reflects a shift in both the asset class’s relevance and the leadership’s priorities. How crypto might be evaluated Pulte’s announcement has raised fresh questions about how crypto holdings might eventually be evaluated under mortgage lending standards. Currently, borrowers who want to use digital assets in the mortgage process must first convert them into U.S. dollars and deposit the funds into a regulated American bank account. To meet eligibility for down payments or reserves under Fannie Mae and Freddie Mac guidelines, those funds must also be seasoned, meaning they must remain in the account for at least 60 days. The FHFA’s review is expected to examine whether these requirements can or should be updated. One likely area of focus is asset valuation. Due to the volatility of crypto assets like Bitcoin and Ethereum, lenders may hesitate to accept their full market value when assessing borrower assets. A common method in traditional finance is to apply a haircut — a discount from the stated value — to account for potential price swings. Whether similar adjustments would be adopted for crypto remains uncertain. Holding history may also come under review. Lenders often view long-held assets more favorably than short-term holdings. Assets with clear documentation, consistent custody, and minimal trading activity may carry more weight than those recently acquired or frequently moved. Stablecoins present a separate set of considerations. Tokens such as USD Coin ( USDC ) and Tether ( USDT ) are designed to maintain a consistent value relative to the U.S. dollar, which may make them more suitable for underwriting purposes. Even so, treatment of stablecoins would depend on regulatory comfort with their structure, custody arrangements, and transparency standards. For now, mortgage advisors commonly recommend that crypto holders convert their assets to dollars well in advance of applying for a loan, giving lenders time to verify the source of funds and ensuring the assets meet seasoning requirements. Any future update is likely to preserve strict documentation standards. Borrowers would still need to show a complete audit trail, including wallet ownership, transaction history, and evidence that the funds are not tied to loans or suspicious activity. Verification of custody, clarity of origin, and compliance with anti-money laundering rules are also expected to remain central to any policy changes under consideration. Gains in private finance suggest real demand for Bitcoin integration While federal regulators are just beginning to explore the idea of integrating crypto into mortgage lending, several private fintech firms have already launched experimental models. Milo Credit, a Florida-based lender, introduced one of the first crypto mortgage products in the U.S. in 2022. Its structure departs from the traditional approach. Rather than requiring borrowers to sell crypto and make a cash down payment, Milo allows buyers to pledge digital assets, such as Bitcoin, Ethereum, or certain stablecoins, as collateral. The setup enables clients to finance up to 100% of the home’s value without liquidating their crypto holdings. Similarly, Figure Technologies, a San Francisco fintech company led by former SoFi CEO Mike Cagney, has explored large-scale crypto-backed mortgage programs, offering loans as high as $20 million using digital assets as security. According to Milo, clients continue to retain ownership of their pledged crypto, which means they can benefit if asset values rise during the mortgage term. Another advantage is tax-related: selling large crypto positions to cover a down payment would typically trigger capital gains taxes. By pledging rather than selling, borrowers avoid those immediate tax events. As of early-2025, Milo reported over $65 million in crypto-collateralized home loans issued. However, these private offerings function outside the federal mortgage system. Their loans are not eligible for resale to Fannie Mae or Freddie Mac, meaning they cannot benefit from the same level of liquidity and risk-sharing that conventional loans do. As a result, interest rates tend to be higher, and lenders often retain the loans in-house or work with alternative investors to fund them. These limitations place a ceiling on how widely such products can scale. Another constraint is risk. Crypto-backed mortgages usually require over-collateralization — meaning borrowers must pledge more in crypto value than the loan amount to offset volatility. But even with that buffer, price swings can present challenges. A drop of 15% in asset value between approval and closing is enough to disrupt a loan. And historically, crypto drawdowns have been far steeper. If the FHFA chooses to move forward, it could bring more consistency and structure to the space. Private models have shown that crypto can be integrated into housing finance, but only with careful safeguards and a full understanding of its tradeoffs. Whether the outcome is adoption, rejection, or something in between, the process will influence how crypto is viewed not just in capital markets, but in everyday financial life.