The post Gold Veteran Allocates 10% of His Portfolio to XRP: ‘I Believed in It.’ appeared first on Coinpedia Fintech News

A fresh take on XRP has come from Andy Schectman, CEO of Miles Franklin Precious Metals, who, in a recent interview shared by InvestWithD, revealed he owns a small amount of the asset, calling it an “intriguing idea” with upside. His stance is important given his strong roots in gold, especially after last week’s sharp drop in the metals market. 

At the same time, rising institutional interest, including reports linking Goldman Sachs to a $154 million XRP exposure, adds weight to the narrative. 

Still, Schectman kept expectations in check, saying, “I believed in it enough to own a little bit,” making it clear this is a calculated, high-risk bet rather than a certainty.

Adoption Depends on Banks

Schectman tied XRP’s future to one connecting factor: bank involvement. He stated, “If it’s going to take, it’s going to be because the banks embrace it,” pointing to institutional use as the real driver behind any long-term value.

This aligns with XRP’s role in cross-border payments, where financial institutions are expected to play a central role. But it has its own challenges, he pointed out with digital assets is usability. Managing wallets, keys, and transfers can be too complex for average users. He said that wider adoption will only come when banks and financial institutions make crypto easier to access, similar to how people use traditional banking apps today.

XRP sits in the top 10% of his “pyramid” 

Schectman also broke down how he manages risk through a pyramid-style allocation. The base of his portfolio includes stable assets like paid-off real estate, physical gold, silver, and cash, focused on preserving wealth.

The middle layer holds income-generating investments such as treasury products and dividend stocks. At the top sits a small portion, around 10%, dedicated to higher-risk opportunities like mining stocks and cryptocurrencies, including XRP.

He explained that even if this top layer underperforms, the rest of the portfolio remains protected. At the same time, strong gains from this segment can significantly boost overall returns.

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“I See the Logic… But It’s Speculative”

Schectman didn’t shy away from his doubts around crypto, saying the idea of “putting the ledger in the computer freaks me out.” 

Still, he added, “I see the wisdom in it. I see the logic in it. I see the speculation in it.”

He kept his stance clear, take the bet, but keep it small. Overloading on high-risk assets doesn’t make sense. His approach stays balanced: if XRP delivers, it adds strong upside; if not, the overall portfolio remains intact.

Don’t Act Too Fast

He compared gold to a “grandfather” with a long history, while crypto like XRP is still young with promise but less certainty. His stance blends both worlds, stability from traditional assets and growth potential from emerging technology, without relying entirely on either.

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The post Inside the Fed’s Hawkish Shift: Why Powell Is Keeping Rate Hikes Alive Despite Market Pushback appeared first on Coinpedia Fintech News

The Federal Reserve has shaken the global scenario after Chair Jerome Powell said a rate hike could still happen if tensions in the Middle East increase. He added that decisions will be made meeting by meeting. This comes even as many expected the central bank to start cutting rates. 

While no final decision has been made, just talking about it has already brought fresh volatility to financial markets. 

Analyst Flags a “Crazy” Scenario

A crypto analyst, VirtualBacon, has raised concerns over the Fed’s increasingly hawkish stance, noting that policymakers appear more focused on tackling inflation than supporting economic growth.

According to the analyst, the Fed is not seeing a meaningful rise in unemployment yet, which gives it room to maintain a restrictive policy stance. At the same time, persistent inflation, driven by factors like oil price swings and tariff pressures, is forcing the central bank to stay alert.

The analyst described the Fed rate hike probability under current conditions as unexpected, especially given bigger economic uncertainties.

On top, the Polymarket poll shows the chance of a rate hike has risen to 22% from 8% earlier this month.

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Will There Be a Liquidity Crunch?

The real risk lies in tightening liquidity. A rate hike would further reduce the money supply in the system, putting pressure on risk assets.

The analyst warned that if the Fed proceeds with such a move, markets could face a sharp and widespread sell-off. With sentiment already fragile, even a small policy shift could trigger outsized reactions across equities and crypto.

At this point, the investors should check on upcoming employment data, which could influence the Fed’s final call.

Bitcoin in the Crosshairs

For Bitcoin, the situation remains critical. Higher interest rates typically strengthen the dollar and reduce capital inflows into speculation.

This could lead to increased volatility and downside pressure for Bitcoin and other cryptocurrencies if the Fed turns more aggressive.

For now, uncertainty dominates the outlook. Even without a confirmed hike, the Fed’s tone has already raised concerns, pointing to a potentially unstable phase ahead.

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The post Larry Fink’s 2026 Letter Has One Message for Every Investor: Tokenization Changes Everything appeared first on Coinpedia Fintech News

BlackRock CEO Larry Fink has placed tokenization at the center of his 2026 outlook, comparing it to the internet’s early days and arguing it could open up investing in the same way the internet opened access to information. 

Crypto today = Internet in 1996.

He described in his letter that blockchain-based assets are a turning point for global markets, where ownership, trading, and access could move onto faster digital systems.

Fink said converting equities, bonds, and ETFs into tokenized formats could change how people invest. 

“Half the world’s population carries a digital wallet on their phone. Imagine if that same digital wallet could also let you invest… as easily as sending a payment.”

Here he is actually connecting the dots of the growing gap. While markets continue creating wealth, many people remain disconnected from that growth. He said “people feel like the world is changing faster than they can process,” referring to rapid developments in AI, capital flows, and global economies.

He argued that gains have largely gone to existing asset holders, while many workers remain excluded from long-term returns. This imbalance, along with rising inequality, increasing public debt, and low participation in investing, is putting pressure on the current financial model.

BlackRock’s Massive Bet on Digital Assets

Meanwhile, BlackRock is already deeply involved, managing nearly $14 trillion and holding close to $150 billion linked to digital markets. This includes BUIDL, the largest tokenized fund, along with $65 billion in stablecoin reserves.

Fink also said clear rules around investor protection and digital identity are necessary to support wider use and trust.

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Community Reaction: Hype Meets Skepticism

The statement has sparked mixed reactions across the crypto community. Some users welcomed the move as a strong institutional validation of tokenization, calling it a bullish sign for the sector’s future.

Others pushed back, arguing that traditional finance is now embracing a concept it once dismissed. There were also concerns that tokenization could shift power further toward large institutions, rather than decentralizing finance.

At the same time, more voices pointed to structural risks. Critics highlighted that tokenized assets still lack full regulatory protection, and in many cases, holders do not have the same rights as traditional shareholders. 

Issues like exchange failures, custody risks, and the need for self-managed wallets were also raised as barriers to mainstream adoption.

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The post Franklin Templeton-Backed Bitcoin Project Bitlayer Crashes 78% Amid Rug Pull Allegations appeared first on Coinpedia Fintech News

Bitlayer (BTR), a Bitcoin Layer 2 project built on BitVM, has seen a nearly 78% drop over the past 24 hours, now trading around $0.041. The project, backed by investors such as Polychain, Franklin Templeton, and Framework Ventures, with roughly $25 million in funding, is now facing sudden selling pressure.

Despite the sharp decline, trading activity has surged. Daily volume jumped over 648% to $128 million, showing heavy participation as traders reacted to the sudden move. The most active trading pair, BTR/USDT on Bitget, alone recorded nearly $29 million in volume.

What’s Behind the Drop?

Bitlayer’s crash came from a mix of heavy selling and leveraged positions getting wiped out at the same time. After the earlier hype and price run-up, early holders and airdrop participants started booking profits, which added strong sell pressure. 

In this regard, an user on X claimed that Bitlayer may have turned into another rug pull following its sharp crash, noting that the project had earlier attracted heavy attention from users trying to exploit its code for airdrops, and expressed concern for those affected.

Since BTR is still a relatively new and volatile asset, the move became more extreme, especially as the broader crypto market also turned weak, dragging sentiment down further.

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Bitlayer Token Price Levels: From Peak to Current Range

BTR previously reached an all-time high of $0.2372 but is now trading over 82% below that level. At the same time, it remains about 72% above its all-time low of $0.02352, placing it in a mid-range zone after the recent crash.

According to data from CoinCodex data analysis, short-term projections show continued weakness. Price is expected to trend lower toward the $0.031–$0.032 range within days, marking a potential drop of over 25% from current levels.

Near-term forecasts for the next few days show gradual declines, with price targets stepping down from $0.041 toward $0.031 by the end of the week. This indicates that the market has not yet found a stable bottom.

Overall, Bitlayer is currently facing intense short-term pressure, marked by a steep price drop and high volatility. While near-term projections point to further downside, medium- and long-term forecasts suggest recovery and significant upside.

For now, BTR remains a high-risk asset, with price direction heavily dependent on market stability and broader adoption of Bitcoin Layer 2 solutions.

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The post What Happens to XRP Price When Ripple Runs Out of Escrow Tokens? Analysts Break It Down appeared first on Coinpedia Fintech News

Some in the XRP community say the token could become hard to buy in the future. But looking at views from David Schwartz, Bill Morgan, and analyst Mickle, the picture is more nuanced; it’s not about sudden scarcity, but gradual changes over time.

Schwartz’s Big Signal: A Deflationary Asset

David Schwartz, Ripple CTO, recently described XRP as one of the most prominent deflationary currencies, a statement that significantly reframes how the asset is viewed. Unlike most major cryptocurrencies, XRP does not rely on inflation to sustain its network. Instead, every transaction burns a small amount of XRP, gradually reducing the total supply over time.

“Hey, Grock, can you explain to this person who created XRP and whether it is

one of the most popular deflationary currencies in existence?” So the keyword there is the most popular deflationary currencies in existence.”

This puts XRP in a unique position. While networks like Ethereum or Solana expand their supply to reward validators, XRP avoids continuous dilution. Its design leans on efficiency and utility rather than incentives, allowing it to maintain a deflationary structure in a largely inflationary crypto market.

“Not Anytime Soon,” Says Bill Morgan

Despite the long-term deflationary angle, Bill Morgan offers a counterpoint. He said that a significant portion of XRP is still held in escrow by Ripple, meaning supply is far from constrained in the near term.

According to Morgan, the idea that XRP could suddenly become hard to get does not align with current market conditions. Any real supply squeeze, if it happens at all, is likely years away. For now, XRP remains in a phase where availability is still expanding rather than shrinking.

The Real Story Behind Supply

Building on this, Crypto analyst Mickle’s video analysis shifts the focus from present scarcity to adapting supply dynamics. He explains that Ripple’s ongoing sales are increasing the circulating supply, effectively delaying any immediate scarcity narrative.

At the same time, this process is quietly changing the structure of ownership. As Ripple continues to release XRP, its dominance over the total supply declines. Over time, this leads to a more distributed and potentially more decentralized asset.

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Why Faster Selling Could Actually Help

One of the angles in the analysis is the idea that faster XRP sales could be beneficial. Drawing from Morgan’s perspective, Mickle hints that accelerating distribution could strengthen the market by reducing centralized control.

Rather than viewing these sales purely as selling pressure, the argument reframes them as a necessary transition phase. A wider distribution of XRP could improve market confidence and make the asset more resilient in the long run.

XRP Scarcity Comes Later, Not Now

The key takeaway is a shift in expectations. XRP is not becoming scarce today, but its underlying design allows for scarcity to emerge over time. As Ripple’s holdings decrease and transaction activity grows, the deflationary mechanism could start to matter more.

In that context, the idea of XRP becoming “hard to get” is not immediate, but it is not entirely unrealistic either. It simply belongs to a later stage of the asset’s evolution.

The post After $SIREN’s $1.2B Surge, Pi Community Asks: Is Pi Next to Explode on Binance?  appeared first on Coinpedia Fintech News

The Pi Network rumour mill never really stops. But this week it is spinning faster than usual, and there is an actual reason for it.

A token called SIREN just blew past a $1.2 billion market cap almost immediately after getting listed on Binance-linked platforms, according to CoinGecko data. That one data point was all it took. Within hours, Pi community accounts were doing what they always do: connecting dots, making comparisons, and asking the same question they have been asking for two years now.

Why is Binance still not listing Pi?

It is a fair question. PiNews360, one of the more followed accounts in the Pi community, put it plainly this week. Pi has tens of millions of users spread across nearly every country on earth. Its ecosystem is growing. Its migration numbers are climbing. At some point, the argument goes, Pi simply becomes too large and too liquid for the world’s biggest crypto exchange to keep looking the other way.

What has changed in recent months is that Pi is no longer sitting on the sidelines of the broader market. It is already trading on OKX, Bitget, MEXC, Gate.io, Bybit and HTX. Most recently, Kraken quietly rolled out PI perpetual futures.

Binance Poll Still Shapes Expectations

The current excitement is rooted in past developments. Nearly a year ago, Pi secured around 86% support in a Binance community poll, signaling strong retail demand for a listing.

Despite this overwhelming backing, Binance has yet to take the next step. The delay continues to keep the community in a wait-and-watch mode, with expectations building over time rather than fading.

Price Struggles Despite Growing Hype

While discussions around listings are heating up, Pi’s price action remains under pressure. The token is currently trading near the $0.19 mark, stabilizing after a period of volatility and a steep decline from its earlier highs close to $3.

With a market cap of around $1.84 billion and a circulating supply of 9.81 billion tokens, Pi has struggled to maintain upward momentum. Daily trading volumes remain modest, and recent price movements suggest consolidation rather than a breakout.

Community Split on Binance’s Importance

The debate within the community remains divided. Some users believe a Binance listing could act as a major catalyst, potentially driving a strong price surge and wider adoption. Others take a different stance, arguing that Pi’s value will come from its internal ecosystem rather than reliance on centralized exchanges.

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The post Can XRP Price Hit $27? appeared first on Coinpedia Fintech News

XRP price has slipped into the green zone and is now trading above $1.40 after gaining more than 2% in the last 24 hours. 

However, on the flip side, XRP’s open interest has declined from a peak of $2.6 billion to around $900 million–$1 billion in early 2026, reflecting a clear unwind of leveraged positions. 

Amid the volatile price activity, an analyst still maintains a long-term target of $27 for XRP. Here’s why:

ChartNerd Flags Deeper Pullback Possibility

Crypto analyst ChartNerd has outlined a scenario that includes the possibility of a sharper correction. According to the analyst, XRP could revisit the $0.80–$0.70 range if current resistance continues to hold.

Rather than viewing this as a bearish breakdown, the analyst sees it as part of a larger setup. A deeper pullback, particularly toward key technical zones like the Gaussian Channel, could act as a reset before a stronger upward move.

Will XRP hit $27? 

Despite short-term weakness, ChartNerd maintains a bullish long-term outlook. The analyst reiterated earlier projections, with macro targets set at $8, $13, and even $27.

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The argument is that while price movement may deviate from earlier expectations, the broader structure remains unchanged. According to this view, only a loss of the 2020 cycle low would invalidate the long-term bullish thesis.

For now, XRP is seen as still in its early phase, with the major breakout yet to begin.

On a similar note, another analyst, EGRAG CRYPTO, maintains that XRP is still following a multi-year ascending structure, with the recent pullback acting as a normal retest after a breakout. As long as this trend holds, he projects macro targets at $8, $17, and $27, viewing them as structured long-term levels rather than short-term price moves.

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The post Algorand CTO Steps Down as Foundation Relocates to the US and Cuts Workforce by 25% appeared first on Coinpedia Fintech News

Algorand is moving through a crucial phase, with internal changes, strategy shifts, and weak market performance happening at the same time. While recent steps hint at a new direction, uncertainty still surrounds how things will play out.

Inside Shake-Up: Leadership Exit and Layoffs

As per the community update, the Algo Foundation has moved its base from Singapore to the United States. A new board is now in place, led by Bill Barr.

Alongside this, a $15 million deal with Algorand Technologies aims to bring key parts of the ecosystem under one structure, including intellectual property and protocol development. The move is meant to improve coordination, although details around roles are still not fully clear.

The changes continue internally. The Chief Technology Officer has stepped down after a short tenure, and there is no confirmation yet on a replacement.

To manage expenses, the foundation has reduced its workforce by about 25%. Despite these shifts, Staci Warden remains CEO and is overseeing this phase of change.

Price Pain: ALGO Near Rock Bottom

ALGO is currently trading near $0.086, with daily volume around $21 million. The token has fallen nearly 97% from its all-time high of $3.28 and recently touched a low close to $0.081.

Though price action shows a slight bounce, overall sentiment remains weak due to the lack of a strong driver. Some analysts note that ALGO is holding within a falling wedge pattern, which may support a move higher if buying interest increases. If a confirmed bounce occurs, the possible targets range from $0.11 up to $0.49 in the coming phases.

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•   ,

Regulations make it easy….

ALGO being viewed as a commodity by the SEC carries weight from a legal standpoint. It removes certain restrictions, especially around staking, which could support more activity in DeFi on the network over time.

Community Focus on Transparency

Within the community, there is a push toward clearer structures. One update explained that creator fees were only part of an early bonding phase and have now been removed. All trades now happen through standard DEX systems, with no extra or hidden charges.

Algorand is clearly in a rebuilding phase. Structural changes may help long-term, but for now, the market is waiting for stronger signals. Stability, clearer direction, and renewed confidence will be key to turning things around.

The post Gold Price Today: Why Is Gold Falling and How Low Can It Go This Week appeared first on Coinpedia Fintech News

Gold prices took a sharp hit, slipping below $4,350 and wiping out over $1 trillion in just a few hours. Even more surprising, gold and silver together lost nearly $2 trillion in that short time, leaving investors across global markets shaken.

So, why is gold crashing right now despite ongoing geopolitical tensions?

Why Is Gold Falling Apart? 

Normally, gold rises during crises. But this time, the opposite is happening. Even with the Iran conflict escalating, gold is under pressure.

One major reason is rising bond yields. The US 10-year yield has surged to around 4.40%, climbing sharply in recent weeks. Higher yields make interest-bearing assets more attractive, reducing demand for gold.

At the same time, expectations of rate cuts from the Federal Reserve are fading. With inflation risks still present due to rising energy prices, markets now expect tighter monetary policy for longer.

Liquidity Crunch and Forced Selling

Another factor behind the crash is liquidity pressure. As oil prices surged earlier, traders needed more capital to maintain positions. This forced many to sell gold quickly to raise cash.

Market observers describe this as “mechanical selling” rather than panic. Gold, being highly liquid, is often the first asset sold during such stress.

Adding to this, stop-loss triggers and technical breakdowns accelerated the fall, pushing prices lower in a short time.

Deep Cuts Reveals

According to The Kobeissi Letter, something unusual is happening. Despite oil losing gains and stock futures turning positive, gold continued to fall.

This is unusual because such conditions typically support gold prices. The divergence suggests that a large player may be getting liquidated, creating sudden and sharp price swings.

They also point to “pockets of illiquidity” in the market, meaning there are fewer buyers at certain levels, which increases volatility and causes rapid price gaps.

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How Low Can Gold Go?

Gold has already dropped over 14% in the past month, with intraday lows near $4,350. If pressure continues, further downside is possible in the short term.

An analyst said $4,304 is an important support level that has held strongly before. If gold manages to stay above it, there’s a chance prices could move higher with some upward momentum.

However, if it breaks below $4,304, the next downside targets are seen in the $4,270 to $4,200 range.

What’s Next: Recovery or More Pressure?

The outlook remains mixed. While long-term projections from major institutions and banks like JP Morgan still point toward $6,000+ levels, short-term conditions remain fragile due to high yields and tight liquidity.

Adding another perspective, Peter Schiff argues the sell-off is irrational. He believes rising inflation should support gold, as falling real interest rates are typically bullish for the metal. He also said that rate cuts matter more for stocks, making their relatively mild decline surprising.

For now, markets remain on edge. Whether gold stabilizes or drops further will depend on how inflation, interest rates, and liquidity conditions evolve in the coming days.

FAQs

The post Is Japan About to Trigger the Biggest XRP Move Ever? Here’s What the Charts Are Saying appeared first on Coinpedia Fintech News

The crypto market is entering a transition phase where macro forces are beginning to take control of price action.  However, the market could see a short-term drop before a stronger move higher, pointing to a dip-before-rise scenario rather than a full breakdown.

Basically, the main idea is that this is not just about price. A much larger setup is forming in the background, driven by global liquidity shifts and timing that may soon align.

Decoding the Japan Clues

A major part of the theory comes from a cryptic post by David Schwartz. Members of the XRP community noticed that the visuals in his post closely match patterns seen on Japanese yen notes, especially the circular designs and wave-like elements used as security features.

Japan is 100% the trigger. And this is what it seems like the red alerts are waiting for.

This has led to growing speculation that Japan could act as a major trigger for the market, and may be what current signals are pointing toward.

The idea goes further. Since similar features appear across many global currencies, some believe the message points to a more connected financial system. In this setup, XRP could serve as a bridge asset, helping move value between different currencies rather than replacing them.

The link between Japan, wave patterns, and Ripple also adds weight to the view that Japan could play an important role in the next phase of financial change.

There is a theory behind carry trade risk 

Beyond symbolism, the analysis highlights a real macro risk tied to Japan’s financial system. For years, investors have borrowed low-interest yen and invested it in higher-yielding assets globally.

The Bank of Japan has kept rates steady near 0.75 percent, helping maintain stability. However, even a small rate hike could trigger a chain reaction. Borrowing costs would rise, forcing investors to unwind positions and repay loans.

This could lead to widespread selling across stocks, crypto, and real estate, creating a liquidity crunch. According to the analysis, this unwind is not just a theory. It may already be in its early stages.

Technically, is it Bullish?

Adding weight to the theory, charts of the Japanese yen against the US dollar are showing strong bullish divergences across multiple higher timeframes. This is rare and has not been seen at this scale in recent years.

The analyst said that similar setups in 2024 and 2025 were weaker. Now, multiple timeframes are aligning, suggesting that momentum is building beneath the surface. A sharp yen move in the coming months could accelerate the carry trade unwind and increase global market pressure.

In this scenario, XRP is being positioned as a potential beneficiary. The goal is not that it replaces the US dollar, but that it becomes a liquidity bridge used by banks for cross-border transfers.

Moreover, if institutions begin holding XRP at scale, demand could rise quickly. A major liquidity event could push financial systems toward faster and more efficient solutions, where XRP fits naturally.

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