On July 18, the XRP price reached $3.65. To many investors, this level marked a new all-time high (ATH) for the asset. However, not everyone agrees, as many market participants believe its ATH is $3.84. This price is listed as the ATH on CoinMarketCap, as opposed to Coingecko, which lists $3.65 as the new ATH. Meanwhile, Ripple’s Chief Technology Officer (CTO), David Schwartz, weighed in on this discrepancy in a recent post on X. Origin of the $3.84 XRP Price ATH Schwartz explained that the frequently cited $3.84 price “comes from averaging in XRP/WON exchange rates at Korean exchanges by converting the Won to USD at an unrealistic exchange rate.” This brings renewed attention to a well-known phenomenon in crypto markets known as the Kimchi Premium. The term refers to the tendency for cryptocurrency prices on South Korean exchanges to trade above global averages because the exchanges use the official Korean Won to USD exchange rates, which don’t reflect real-world prices. That makes crypto prices look higher in USD terms compared to other markets. This debate resurfaced when XRP hit $3.39 in January, and Schwartz explained that no one bought or sold XRP for $3.84 . Although many price-tracking websites still list $3.84 as XRP’s ATH, Schwartz’s comments suggest that this price is misleading. I don't think so. The 3.84 USD price comes from averaging in XRP/WON exchange rates at Korean exchanges by converting the Won to USD at an unrealistic exchange rate. https://t.co/voMP2Mehsz — David 'JoelKatz' Schwartz (@JoelKatz) July 18, 2025 We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Accurate Benchmarks Going Forward Ripple CTO explained that anyone who bought XRP above $3.3 either paid too much or bought a few days after its price breached that level. He has also previously suggested that the asset’s ATH might be as low as $2.8 . However, most exchanges and other experts agree that it was around $3.36 . XRP’s recent climb to $3.65 now stands as a more credible ATH, backed by cleaner, more consistent pricing data. Unlike the inflated figures pulled from South Korean markets in 2018, this level reflects a broader market consensus and excludes the impact of unrealistic exchange rates. However, this debate may not last long, as experts believe XRP will break the $3.84 soon. In the lead-up to July, analysts predicted big things for XRP , and many still have high expectations for the asset, expecting double-digit prices. Many technical indicators and broader market factors have been building up to this moment, and XRP could smash through the $3.65 ATH and potentially cross $10 before the month ends. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Ripple CTO Clarifies Discrepancy about XRP Price All-Time High appeared first on Times Tabloid .
JPMorgan Chase warns de-dollarization is accelerating, as central banks slash USD reserves while aggressively stockpiling gold. In a new note, Meera Chandan, co-head of Global FX Strategy at JPMorgan, says the share of USD has dropped to below 60% at central banks, a two-decade low. The real sign of de-dollarization, or a reduction of dependence on the USD for global trade, can be seen in the gold market, according to the bank. JPM notes a strong trend in gold purchases from competitor economies like China, Russia and Turkey. “The main de-dollarization trend in FX reserves, however, pertains to the growing demand for gold. Seen as an alternative to heavily indebted fiat currencies, the share of gold in FX reserves has increased, led by emerging market (EM) central banks — China, Russia and Türkiye have been the largest buyers in the last decade. Overall, while the share of gold in FX reserves in EM is still low at 9%, the figure is more than double the 4% seen a decade ago; the corresponding share for DM countries is much larger at 20%. This increased demand has in turn partly driven the current bull market in gold, with prices forecast to climb toward $4,000/oz by mid-2026.” JPM also noted a sign of de-dollarization in the bond markets, highlighting that the share of foreign ownership in the Treasury market has been declining continuously for 15 years. The current share of Treasuries owned by foreign entities has dropped to 30% as of early 2025, down from its peak of 50% during the Great Financial Crisis (GFC), according to JPMorgan. Says Jay Barry, head of Global Rates Strategy at the bank, “Although foreign demand has not kept pace with the growth of the Treasury market for more than a decade, we must consider what more aggressive action could mean. Japan is the largest foreign creditor and alone holds more than $1.1 trillion in Treasuries, or nearly 4% of the market. Accordingly, any significant foreign selling would be impactful, driving yields higher.” The analyst notes that the dollar’s share in FX reserves was lower in the early 90s, meaning the the move toward other currencies like the euro or the yuan is significant but not yet unprecedented. Follow us on X , Facebook and Telegram Don't Miss a Beat – Subscribe to get email alerts delivered directly to your inbox Check Price Action Surf The Daily Hodl Mix Disclaimer: Opinions expressed at The Daily Hodl are not investment advice. Investors should do their due diligence before making any high-risk investments in Bitcoin, cryptocurrency or digital assets. Please be advised that your transfers and trades are at your own risk, and any losses you may incur are your responsibility. The Daily Hodl does not recommend the buying or selling of any cryptocurrencies or digital assets, nor is The Daily Hodl an investment advisor. Please note that The Daily Hodl participates in affiliate marketing. Generated Image: Midjourney The post JPMorgan Chase Warns De-Dollarization Underway As Central Banks Ditch USD, Aggressively Stockpile Gold appeared first on The Daily Hodl .
Key takeaways : In 2025, HBAR is expected to trade between $0.1828 and $0.2055, with an average trading price of $0.1906. In 2028, HBAR is predicted to trade at a maximum price of $0.6170, with an average price of $0.5357. By 2031, HBAR could trade between $1.51 and $1.87, with an average price of $1.57 HBAR price prediction – Hedera Hashgraph (HBAR) is a cryptocurrency that enjoyed the bullish crypto market of 2021, alongside other altcoins. As a result, traders and investors have since taken a keen interest in the digital coin. Moreover, the Hedera Hashgraph network shows prospects of becoming a force in the blockchain space. Every crypto investor asks: When will HBAR’s price rise again? Despite the overall bear market, the price momentum of the HBAR coin has been somewhat positive. With trading indicators pointing to a possible uptrend and the positive perception of HBAR, we may see a bullish scenario unfold sooner, perhaps a retest of its all-time high. Overview Cryptocurrency Hedera Hashgraph Ticker HBAR Current Price $0.2682 Market Cap $8.7 Billion Trading Volume (24Hr) $568.6 Million Circulating Supply 50 Billion HBAR All-time High $0.5701 on Sep 16, 2021 All-time Low $0.01001 on Jan 03, 2020 24-hour High $0.2755 24-hour Low $0.2538 HBAR price prediction: Technical analysis Metric Value Volatility 7.55% 50-day SMA $ 0.170646 200-day SMA $ 0.149798 Sentiment Neutral Fear & Greed Index 73 (Greed) Green Days 12/30 (40%) Hedera Hashgraph (HBAR) price analysis HBAR has broken above its 20-day moving average and upper Bollinger Band on the daily chart, showing strong bullish momentum RSI near 76 warns that overbought conditions could trigger a short-term pullback A daily close above 0.29 USDT would open the door toward 0.32 USDT, while a drop below 0.25 USDT risks a deeper retracement to around 0.22 USDT HBAR price analysis 1-day chart HBARUSD chart by TradingView Hedera has rallied sharply above its 20-day moving average and pushed the upper Bollinger Band to widen, signaling strong bullish momentum. The RSI reading above 75 indicates overbought conditions, suggesting a short-term pullback to near the middle band or moving average around $0.20 may occur before buyers reenter. Price action shows a series of higher lows since mid-June, confirming an uptrend that could target the next resistance near $0.28 to $0.30 if momentum holds. A valid breakout requires sustained volume above this zone. Overall, expect consolidation around current levels before another leg higher in the medium term. HBAR/USD 4-hour price chart HBARUSD chart by TradingView On the 4-hour chart, HBAR has entered a consolidation phase above its 20-period SMA following a strong rally from near 0.22 USDT. Its price is oscillating around the middle Bollinger Band at roughly 0.27 USDT, indicating a pause in momentum but preserving bullish bias. The MACD histogram is contracting while the MACD and signal lines remain above zero, suggesting momentum is cooling rather than reversing. A decisive break above the upper Bollinger Band near 0.29 USDT could propel HBAR toward 0.30–0.32 USDT, whereas a slip below the middle band would likely retest 0.25 USDT support. HBAR technical indicators: Levels and action Simple moving average (SMA) Period Value ($) Action SMA 3 $ 0.146005 BUY SMA 5 $ 0.153541 BUY SMA 10 $ 0.152151 BUY SMA 21 $ 0.152823 BUY SMA 50 $ 0.170646 SELL SMA 100 $ 0.175583 SELL SMA 200 $ 0.149798 BUY Daily exponential moving average (EMA) Period Value ($) Action EMA 3 $ 0.156425 BUY EMA 5 $ 0.162359 SELL EMA 10 $ 0.167334 SELL EMA 21 $ 0.172377 SELL EMA 50 $ 0.189639 SELL EMA 100 $ 0.203666 SELL EMA 200 $ 0.190049 SELL What can you expect from the HBAR price analysis next? On the daily chart, HBAR has broken out above its 20-day moving average and the upper Bollinger Band following a sustained uptrend from roughly 0.14 to 0.27 USDT, confirming bullish momentum. The RSI is in overbought territory near 76, signaling strength but warning of a potential pullback. On the 4-hour chart price has consolidated between 0.25 and 0.28 USDT above its 20-period SMA, with the MACD histogram flattening yet remaining positive. A clear daily candlestick close above 0.29 USDT would likely lead to a rally toward 0.32 USDT, while a drop below 0.25 USDT risks a retracement to 0.22 USDT support. Is HBAR a good investment? Hedera Hashgraph distinguishes itself with its Hashgraph consensus algorithm, which promises higher speed, security, and scalability than traditional blockchain technologies. This positions HBAR as a potentially innovative player in distributed ledger technology, catering to various applications, including smart contracts and decentralized applications (dApps). These notable features could spur HBAR to new highs in the coming months and years, making it a profitable investment tool. Will HBAR reach $1? Hedera Hashgraph (HBAR) reaching $1 is possible but depends on several key factors, including market conditions, adoption rates, and overall crypto sentiment. HBAR has strong fundamentals with its fast, low-cost transactions and backing from major enterprises. If adoption grows within industries like DeFi, NFTs, and enterprise applications, demand for HBAR could push prices higher. However, competition from other layer-1 blockchains and regulatory factors may slow its growth. A bullish crypto cycle and wider institutional interest would be necessary for HBAR to reach $1. While achievable, sustained utility and investor confidence are crucial for long-term price appreciation. What will HBAR be worth in 2025? By 2025, HBAR is expected to be worth $0.2055. How much will HBAR cost in 2030? By 2030, HBAR is expected to be worth $1.30. Can HBAR reach $20? HBAR reaching $20 would require an extraordinary market rally and widespread adoption, making it highly unlikely. For context, with HBAR’s current circulating supply of around 33 billion tokens, a $20 price would push its market capitalization to $660 billion, placing it among the largest cryptocurrencies, rivaling Bitcoin and Ethereum. Where to buy HBAR? Traders and investors can buy Hederah Hashgraph (HBAR) on these CEXs: Binance, KuCoin, HTX, Bybit, Bitget, and others. Will HBAR reach $10? HBAR reaching $10 is highly unlikely, requiring a massive market cap increase. Predictions for 2030 estimate HBAR could reach between $1.06 and $1.30, making $10 an unrealistic target without extraordinary market changes. Will HBAR reach $100? Hederah Hashgraph (HBAR) reaching $100 is highly ambitious and would require exceptional growth, widespread adoption, and wild market speculation. Does HBAR have a good long-term future? HBAR has the potential for a good, long-term future if it continues to gain popularity and adoption. Analysts project a market price of about $0.2055 by 2025 and $1.30 by 2030. However, as with all meme coins, its future is uncertain and highly dependent on market trends and community support. Recent news/opinion on HBAR Hedera ranks second in core developer activity with 126 active contributors, indicating strong community interest and potential for innovation and growth. While this supports ecosystem expansion through tools like CLI and AI Studio, true success also depends on user adoption, transaction volume, and addressing concerns like centralization and ecosystem maturity. Last week, @Hedera had the second largest core developer base as per @tokenterminal 🛠️ pic.twitter.com/KpojRtko8Y — Hedera Foundation (@HederaFndn) July 2, 2025 Hedera Hashgraph price prediction July 2025 The price of Hedera is forecasted to attain a minimum value of $0.1488 in July 2025. The HBAR price may attain a peak of $0.1691, with an average trading value of $0.1644 during 2025. Hedera price prediction Potential Low ($) Average Price ($) Potential High ($) Hedera price prediction July 2025 $ 0.1488 $ 0.1644 $ 0.1691 HBAR crypto price prediction 2025 By 2025, HBAR’s average market price is expected to be $0.1906, with a potential low of $0.1828 and a potential high of $0.2055. Year Potential Low ($) Average Price ($) Potential High ($) 2025 $0.1828 $0.1906 $0.2055 Hedera Hashgraph forecast 2026-2031 Year Potential Low ($) Average Price ($) Potential High ($) 2026 $0.2621 $0.2716 $0.3241 2027 $0.3587 $0.3723 $0.4570 2028 $0.5171 $0.5357 $0.6170 2029 $0.7570 $0.7784 $0.9198 2030 $1.06 $1.10 $1.30 2031 $1.51 $1.57 $1.87 HBAR price prediction 2026 In 2026, the price of a Hedera hashgraph (HBAR) is expected to range between $0.2621 and $0.3241, with an average of $0.2716. HBAR price prediction 2027 The 2027 forecast predicts HBAR will trade between $0.3587 and $0.4570, with an average price of $0.3723 HBAR price prediction 2028 In 2028, HBAR could experience a further climb, reaching a maximum of $0.6170, with an average price of $0.5357 and a minimum of $0.5171, indicating market growth. HBAR price prediction 2029 HBAR in 2029 is expected to stabilize, with prices holding between $0.7570 and $0.9198 an average of $0.7784. This period could represent consolidation as the network matures. HBAR price prediction 2030 By 2030, Hedera is anticipated to show growth, with projected prices from $1.06 to $1.30 and an average of $1.10, suggesting market interest. HBAR price prediction 2031 The forecast for 2031 projects HBAR reaching a maximum of $1.87, an average trading price of $1.57, and a minimum of $1.51. Hedera HBAR price prediction 2025-203 1 Hedera market price prediction: Analysts’ HBAR price forecast Firm 2025 2026 Coincodex 0.277627 $ 0.236801 DigitalCoinPrice $0.35 $0.41 Cryptopolitan’s Hedera Hashgraph price forecast According to Cryptopolitan, HBAR will reach a maximum price of $0.1644 by the end of 2025 and is expected to reach $0.25928 in 2026. Note that the predictions are not investment advice. Hederah Hashgraph’s historic price sentiment HBAR price history; Source: Coingecko In 2019, HBAR started with a negligible value, fluctuating before ending the year near $0.01. HBAR opened 2021 at $0.03, rising to $0.10 by early February due to active network developments. In 2024, HBAR peaked at $0.1793 in April, dropped to $0.051 by September, then rebounded to $0.30 in December, closing the year around $0.29. January 2025 saw stable trading between $0.30 and $0.31, ending at $0.30. In February, HBAR dipped to the $0.25–$0.26 range, then declined further in March to around $0.20. As of June, HBAR trades between $0.17 and $0.18 after closing May at $0.1874. HBAR ended June at $0.147. At the start of July, HBAR has increased, and it currently trades at $0.16
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Tether plans to obtain foreign issuer status for stablecoins in the United States under the requirements of the GENIUS Act, CEO Paolo Ardoino told CoinDesk in an interview. On July 18, President Donald Trump signed the GENIUS Act, a bill regulating stablecoins. Tether prepares for new compliance measures Complying with the new regulations means implementing a revised audit regime and making changes to USDT’s reserve structure. Ardoino stated that the $13 billion net income the company generated last year provides ample resources for these adjustments. He confirmed that CFO Simon McWilliams, appointed in March, is working to engage an auditor from one of the Big Four accounting firms. ”Tether will comply with the GENIUS Act,” Ardoino said. He estimated that it will take around three years for Tether to enter the U.S. market. The company also intends to launch a version of USDT specifically targeting the United States and institutional investors. ”Institutions are used to ultra-efficient markets, and they will take every basis point into account. So we need to create something suitable for that,” he explained. Therefore, the new product will be ”focused on payments and extremely high efficiency,” the executive clarified. In May, Ardoino said the company could issue a U.S. stablecoin as early as 2026. At that time, he reiterated that USDT’s main business interests remain outside of the United States. ”Our customer base is three billion people without accounts or access to the banking system,” Ardoino emphasized. According to a February estimate from JPMorgan analysts, only 66%–83% of USDT reserves currently meet GENIUS Act requirements. To achieve compliance, the issuer would need to replace bitcoins, corporate bonds, and secured loans with U.S. government bonds and other highly liquid assets, the experts concluded. Ardoino expressed confidence that adapting to the new rules would be “simple” for the company. Following the introduction of MiCA regulations in the EU, Tether has shifted focus to supporting third-party regulated stablecoin projects through its Hadron platform. Circle optimistic about new regulatory landscape Jeremy Allaire, co-founder and CEO of Circle (issuer of USDC), told CoinDesk that passage of the GENIUS Act “legitimizes the company’s approach to doing business.” “We have always been trusted, transparent, and publicly audited for five years,” he said. According to Allaire, the U.S. stablecoin sector was already evolving rapidly before the new regulations were approved. A number of “large technology companies, trading firms, and financial institutions” have expressed interest in entering the market. “Once this federal law is in place, it will really be a green light for all of these types of institutions,” Allaire emphasized. The GENIUS Act will take effect six months after President Trump's signature, or 120 days after regulators publish implementing rules, whichever comes later.
Bitcoin's uniqueness sets it apart with its monetary and commodity attributes. Institutional and societal adoption of Bitcoin is rapidly increasing worldwide. Continue Reading: Bitcoin’s Value Soars as Adoption Accelerates Worldwide The post Bitcoin’s Value Soars as Adoption Accelerates Worldwide appeared first on COINTURK NEWS .
Michael Saylor’s bold “financial engineering” at Strategy (formerly MicroStrategy) to amass significant Bitcoin holdings has sparked a trend among corporations. Over 50 firms have already adopted a similar BTC-focused treasury strategy. However, a new segment of companies is emerging, seeking not only crypto exposure but also aligning directly with Ethereum’s economic ecosystem. At first glance, the sharp price swings seen in Ethereum treasury stocks might look like speculative rollercoasters similar to meme coins. But the approaches taken by this initial wave of ETH treasury firms differ at a fundamental level. Inside the First ETH Treasury Wave According to Galaxy Digital, these firms are moving beyond hype-driven or passive crypto exposure and are instead actively using Ethereum as a productive reserve asset by staking for yield or leveraging advanced DeFi strategies. This approach sets them apart from Bitcoin treasury adopters, who often took a passive “digital gold” stance financed by leverage-heavy convertible debt. Meanwhile, ETH treasury companies like SharpLink, BitMine, Bit Digital, and GameSquare have chosen to fund their strategies with equity, thereby avoiding the structural vulnerabilities linked to debt obligations and looming maturities. Galaxy Digital also said that the capital held by these firms is actively deployed rather than sitting idle. Through ETH staking, they boost validator security and protocol stability across the network. In cases like GameSquare, treasury funds are also used for DeFi-native yield strategies, which support liquidity pools, lending platforms, and other essential Ethereum infrastructure. Despite the ongoing risks of dilution, smart contract exposure, and price swings, investors can use dilution impact assessments and premium-to-book valuations to gauge both the downside and potential income-based upside. This wave of ETH treasuries appears to be a more actively engaged and capital-efficient model. Firms Scale Ethereum Holdings This month, the Nasdaq-listed online tech firm SharpLink made a significant Ethereum acquisition and became the largest corporate holder of ETH to date. From July 7 to July 13, the company bought around 74,656 ETH at an average price of $2,852, which is roughly worth $213 million. With this purchase, SharpLink’s total Ethereum holdings have grown to approximately 280,706 ETH. Las Vegas-based BitMine Immersion Technologies raised $250 million via a private placement of 55.6 million shares at $4.50 each on June 30 to grow its Ethereum treasury. The raise added 81,380 ETH to its balance sheet and increased total holdings to 163,000 ETH while expanding its share count by 13x. New York-based Bit Digital raised $172 million in June after selling 280 BTC to build its Ethereum treasury under CEO Sam Tabar. By March 31, it held 24,434 ETH, out of which it staked 21,568 ETH with a 3.2% average yield in 2024, and completed its pivot to an ETH staking and treasury model. Texas-based GameSquare Holdings raised $8 million in July via a follow-on equity offering and partnered with Dialectic to launch an Ethereum treasury program targeting 8-14% yields. The company made its first crypto move by purchasing $5 million in ETH. The post ETH Treasuries Ditch ‘Digital Gold’ Model for Yield-Generating Staking: Here’s Why It Matters appeared first on CryptoPotato .
The post XRP vs Solana vs Pepeto price prediction: which cryptocurrency is set to have better bull run? appeared first on Coinpedia Fintech News Two Cryptocurrencies — Ripple’s XRP and Pepeto ( Pepeto ) — are making headlines in the crypto world. Ripple’s XRP, a long-established heavyweight fighting its way back into the limelight, and Pepeto, Pepeto brings wisdom and unity, creating an exchange that adopts all memecoins, giving them real value and a place to thrive. Solana (SOL) exploded from just a few bucks to nearly $250 in the last bull cycle. It was the result of real tech, perfect timing, and a snowball of community and institutional mentum. In 2025, investors are once again scanning the market for that next SOL-style rocket—the asset that goes from overlooked to unavoidable. So, which one has the better setup for a Solana-style run through 2026 and beyond? XRP Price – Is This Cryptocurrency Heading for Disaster? Ripple’s XRP is currently trading around $2.43, after surging about 5 per cent in the past 24 hours, although still stuck at its $2.22 resistance level, a level it’s tapped multiple times without breaking through. It’s attracting steady inflows, including $10.6 million last week alone, and Open Interest in futures has climbed past $4 billion, suggesting traders are still betting big. But even with all that weight behind it, price action remains slow. XRP Price Target None of this signals disaster for XRP, and long-term outlooks stay optimistic. Many analysts expect a rise to $4–$8 next year, particularly if regulation is cleared and Ripple expands its global payments network. But it’s a slow grind. XRP’s path to growth is more about accumulation and patience, not viral breakout energy. If you’re looking for a safe, steady mover backed by institutional narrative and legal wins, XRP has a solid case. But if you’re chasing that next explosive opportunity, the kind that could 100x in a year, then your eyes might wander elsewhere. Why is Pepeto Sleeper Hit That Could 100x? Pepe doesn’t look like much on the surface, a frog-faced meme coin in a sea of animal-themed tokens. But under the hood, it’s something far more ambitious: a meme coin with its own Exchange. That’s right, it’s the first token set to list memecoins that is built for memecoins. The goal? Solid projects, zero listing fees, swap tech, and no corruption. Its designed to solve every pain point shady meme coin investors complain about, gaining momentum and viral appeal / rumours that make viral meme coins work in the early stage. Currently in final stage of its presale, Pepeto is priced at 1 $Pepeto = $0.000000141. An investor would receive approximately 17.73 billion PEPETO tokens for a $2500 investment at the current price of $0.000000141 per token, your $2500 could grow to approximately $231,667.58 That’s a 92x return – similar to what early SHIBA or DOGE investors saw. Additionally, the story of pepeto, returns with true power— T echnology and O ptimization, which are the two missing pieces of Pepe. Pepeto, the God of frogs, holds the missing pieces Pepe went live without. Rumours highlight that an ex founder of pepe being betrayed is behind the Pepeto empire, which is illustrated in the story of Pepeto by the documents P (Power), E (Energy), P (Precision), E (Efficiency) and the two missing utilities : T for Technology and O for Optimisation, with the same max supply : 420 T . Beyond strength, Pepeto brings wisdom and unity with its value to the cryptocurrency market. XRP or Pepeto in 2025 ? XRP is a pillar in crypto. It boasts a rich history, compliance, and significant partnerships. A move to $8 is entirely plausible in the next cycle, but it’ll take time, regulation, and sustained buying pressure. Pepeto ? it’s early, it’s loud, and it’s built for the kind of run that Solana made in 2021, an underdog with real tech and explosive upside. It’s not trying to replace the financial system like XRP. It’s trying to own meme culture on-chain through its exchange, and that’s a space crypto knows how to reward. Your choice depends on your strategy. But if you’re chasing that next SOL-style moonshot, Pepeto might just be the one wearing the jetpack. Visit pepeto to get in before pre sale end closes. Disclaimer : $PEPETO is redefining what it means to be a meme coin in 2025, visit the only official website ( https://pepeto.io ) as listing nears and community interest grows. $PEPETO is a cutting-edge cryptocurrency project blending the playful spirit of meme coins with real-world utility. Featuring a zero-fee exchange, cross-chain bridge, and staking rewards,
Monthly student loan bills are about to blow up for millions of borrowers, thanks to Biden’s interest-free payment break ending, and Trump’s new policy stepping in. That means people who’ve been paying nothing or very little might soon owe double what they’re used to. Starting August 1, the SAVE plan’s interest freeze officially ends. This means anyone still enrolled and not paying enough to keep up with interest will watch their balance grow again. This is a big change from the past year, when millions were shielded from interest while legal fights dragged on. The Department of Education kept borrowers in forbearance under SAVE while the courts sorted things out, but now that’s over. The SAVE plan, which stands for Saving on a Valuable Education, had nearly 7.7 million enrollees, according to the Education Department’s statement earlier this month. It was a soft pillow for many. Payments were tied to 5% of your discretionary income, and interest didn’t grow as long as you made your monthly payments. But that safety net’s gone. “SAVE was incredibly generous,” said Scott Buchanan, who runs the Student Loan Servicing Alliance. He’s not wrong. Compared to what’s coming, SAVE was basically a gift. Borrowers now need to find another repayment plan. And fast. The Department of Education says people in SAVE should move to something “legally compliant,” like the Income-Based Repayment (IBR) Plan. Secretary of Education Linda McMahon made that clear in a press release. Buchanan backed it up, saying IBR is “the best plan for almost everyone” now that SAVE is toast. Trump’s RAP plan coming in 2026, but offers no guarantee Trump’s so-called “ Big Beautiful Bill ” will completely phase out most existing income-driven plans down the line. In their place, a new plan called the Repayment Assistance Plan (RAP) is set to launch by July 1, 2026. RAP will be another income-based program, but there’s no clear answer yet on how much lower or higher monthly payments will be under it. “It’s going to range dramatically based on your income,” Buchanan said. In other words: it might help you. It might not. For now, borrowers are stuck with IBR unless they qualify for deferment or another form of relief. There are online calculators where you can plug in your numbers and see how bad it’s going to be. But those aren’t magic. They don’t stop the bill from coming. Nancy Nierman, assistant director of the Education Debt Consumer Assistance Program in New York City, warns that the jump from SAVE to IBR could be unmanageable for a lot of people. “In severe cases, it could result in people being forced to move, or they will just resign themselves to default and involuntary collections,” she said. This isn’t just theoretical. There are people right now looking at bills they can’t pay. Carolina Rodriguez, director of the same consumer aid program, is helping a married couple staring at a combined $4,000 monthly student loan bill under IBR. That’s not a typo. Four grand. “My client said that these payments would mean no extracurricular activities and other opportunities for his children, which might set them back in comparison to their peers,” Rodriguez explained. Under the SAVE plan, their payment would’ve been $2,400. Still a lot. But far less than what they’re about to owe now. Not everyone can just switch into RAP or wait until 2026. And deferment isn’t a get-out-of-jail card either. For those with loans taken out before July 1, 2027, there’s still access to economic hardship deferment and unemployment deferment under the new law. But those are temporary band-aids. They don’t erase debt . They just delay the pain. Your crypto news deserves attention - KEY Difference Wire puts you on 250+ top sites
🚀 Are You Chasing New Coins? Catch the newest crypto opportunities. Be the first to buy, be the first to win! Click here to discover new altcoins! Ethereum (ETH) surged