The post Coinpedia Digest: This Week’s Crypto News Highlights | 18th October, 2025 appeared first on Coinpedia Fintech News

Crypto is moving fast and the stakes are getting higher. A $4 trillion market rebound, new state-level crypto laws, and a record $15B seizure made this week very eventful. The industry is reshaping itself in real time.

Here are the biggest moves you don’t want to miss.

#1 Crypto Market Surges to $4 Trillion in Q3; Biggest Jump in Years

Solid news for the crypto market. CoinGecko’s Q3 2025 report shows total market capitalization jumped 16.4%, adding $563.6 billion to reach $4 trillion – the highest level since late 2021. The report called it the market’s “second leg of recovery,” powered by fresh liquidity, rising institutional inflows, and a sharp rebound in trading activity.

Average daily trading volume climbed 43.8% to $155 billion, marking crypto’s strongest quarter in years and signaling renewed investor confidence.

#2 New California Law Bans Forced Liquidation of Bitcoin, Ethereum

California has taken a major step for crypto holders. Governor Gavin Newsom has signed SB 822, making California the first U.S. state to ban the forced liquidation of unclaimed cryptocurrency. The law, sponsored by Senator Josh Becker, requires the state to hold assets like Bitcoin and Ethereum in their original form instead of converting them to cash.

Paul Grewal, Coinbase’s Chief Legal Officer, thanked Newsom for the move, saying it protects Californians’ crypto investments from being sold without consent.

#3 U.S. Seizes Record $15B in Bitcoin

The U.S. has carried out its biggest-ever crypto seizure, moving to take control of $15 billion in Bitcoin tied to a massive global scam run from Cambodia. Authorities say the operation was led by Chen Zhi, head of Prince Holding Group, which forced workers into “pig butchering” scams that defrauded victims worldwide.

The DOJ, Treasury, and U.K. regulators jointly led the crackdown, calling it “a global response to a global crime.” Over 127,000 BTC linked to the network are now under U.S. forfeiture.

#4 Binance Pushes Back on $2.5M Listing Fee Accusations

Binance has denied claims that it demanded over $2.5 million and 9% of tokens from Limitless Labs for a token listing. The accusation came from CEO CJ Hetherington, whose viral X thread accused Binance of profiting over innovation.

Binance called the claims “false and defamatory,” saying deposits are refundable and used for security. CZ hit back, urging builders to “focus on strong products,” while critics said the issue exposed how opaque exchange listing practices still are.

Also Read: Is Gold’s Rise an Urgent Warning Sign for Bitcoin and the Global Economy?

#5 Crypto.com CEO Seeks Probe Into Exchanges After $20B Crypto Crash

Crypto.com CEO Kris Marszalek has urged regulators to investigate exchanges after a record $20 billion in crypto liquidations. In a post on X, he asked whether trading platforms “slowed down to a halt” or mispriced assets during the crash.

Data from CoinGlass shows Hyperliquid led losses with $10.3B, followed by Bybit and Binance. Binance later confirmed a depeg issue linked to Ethena’s USDe, prompting user complaints and a public apology from Yi He over platform errors.

#6 10x Research Flags Bitcoin Treasury Stock Collapse – $17B Gone!

The Bitcoin treasury trade is cracking. A new 10x Research report says investors have lost over $17 billion on stocks like MicroStrategy and Metaplanet, once seen as the smarter way to bet on Bitcoin.

At their peak, these companies traded at up to 4× their Bitcoin value, but as markets cooled and sentiment shifted, those premiums vanished. 10x calls it “the end of the financial magic,” as even top firms now face pressure to prove real value beyond hype.

#7 Florida Revives Crypto Reserve Plan With New Bitcoin Bill

Florida is making another move toward crypto adoption. Lawmakers have introduced House Bill 183, which would allow the state’s chief financial officer to invest up to 10% of public funds in Bitcoin and crypto ETFs. The proposal includes strict custody and compliance measures to ensure security and align with federal standards.

If passed, the bill would also let residents pay some taxes and fees in digital assets – a clear signal that Florida wants to bring Bitcoin back into its long-term financial plans.

Read More: $19 Billion Crypto Crash Shows Market Makers Can Also Break the Market

#8 Paxos Accidentally Mints $300 Trillion in PayPal Stablecoin

Paxos, the issuer behind PayPal’s PYUSD stablecoin, accidentally minted $300 trillion worth of tokens during an internal transfer on Wednesday. The company quickly caught the mistake, burning the excess within twenty minutes.

The incident briefly stunned the crypto community, given PYUSD’s actual market cap of just $2.6 billion. Paxos, regulated by New York DFS, said the issue has been fully resolved.

#9 Coinbase Rolls Out Crypto Platform for Small Businesses

Coinbase is expanding beyond retail traders with Coinbase Business, a new platform for small and medium-sized companies. The service will let firms accept crypto payments, manage assets, and earn up to 4.1% APY on USDC holdings.

It integrates with QuickBooks, Xero, and crypto tax tools, aiming to simplify accounting and payroll. Coinbase says onboarding will take just two days. The move puts the exchange in direct competition with fintech players like Mercury, Brex, and BitPay.

#10 SBF Accuses Gensler, DOJ of Silencing Him Before Key Crypto Vote

Sam Bankman-Fried has claimed his 2022 arrest was politically driven after he began donating to Republicans. Posting on GETTR, the FTX founder said he shifted from “center-left” in 2020 to a more centrist view in 2022, frustrated by the Biden administration’s crypto crackdown under SEC Chair Gary Gensler.

SBF alleged the SEC and DOJ “went after” him just before a key crypto vote and his congressional testimony. He added that Gensler later “conveniently lost” messages linked to that period.

In the Spotlight 

Here’s a few quick hits you shouldn’t miss!

Japan Hints at Rate Hike as Inflation Stays Hot: The Bank of Japan may raise rates soon, with officials saying any move will depend on economic data as the country shifts away from years of ultra-loose policy.

Kenya Passes Crypto Law to Attract Investors: Parliament has approved a bill to regulate digital assets, giving the central bank oversight of crypto and stablecoin licensing to boost investment in the sector.

Australia Plans Crackdown on Crypto ATMs Over Scam Fears: Australia will give its financial watchdog AUSTRAC powers to restrict or ban crypto ATMs amid rising money laundering and scam risks, as the machines now handle $275 million annually.

Coinbase Invests in CoinDCX: The U.S. exchange backed Mumbai-based CoinDCX at a $2.45 billion valuation, strengthening its push into rapidly growing crypto markets across the region.

Robinhood Embraces Copy Trading After Earlier Warnings: The trading app will launch a verified copy-trading feature in the US next year, letting users manually mirror top traders’ moves while aiming to stay compliant with regulators.

What’s Next for Crypto?

Major shifts to expect ahead

• Market momentum is back, but trust is still fragile after the $19B wipeout.
• Governments are moving from crackdown to clarity as new crypto laws take shape worldwide.
• Institutional players are redefining adoption – from state reserves to small business finance.
• Exchange scandals are forcing transparency, raising the bar for security and accountability.
• Decentralization is evolving into integration as banks and fintechs join the chain.

Stay tuned – the next few weeks could define where the global crypto story goes from here.

The post Binance Re-Enters South Korea Crypto Market After Four Years, As GOPAX Acquisition Receives Approval  appeared first on Coinpedia Fintech News

After the long anticipation for two years, Binance officially entered South Korea with its acquisition of GOPAX, a crypto exchange. It received final approval from South Korea’s Financial Intelligence Unit (FIU) on Wednesday. This is the first time Binance has stepped into the country since 2021. 

Binance Acquisition of Gopax 

The approval allows Binance to hold the majority of control of GOPAX and allows it to restart operations in South Korea after four years. The country benefits from this deal as Binance’s global resources and operational experience will further push the competitiveness of the crypto landscape in South Korea. It will bring innovation, while modernizing finance.

In return, Binance will be able to re-establish its presence in the Asian market without any barriers. This successful acquisition of GOPAX represents a significant strategic re-entry into one of the largest and evolving Asian markets. It positions Binance as a major competitor of South Korea’s local exchanges like Bithumb and Upbit. 

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• Also Read :
•   Binance’s CZ Urges Coinbase to List More BNB Chain Projects
•   ,

Why Was Binance Stalled in South Korea 

In February 2023, Binance purchased a 67% stake in Gopax, but the deal was withheld for two years amid Binance’s legal troubles in the US. Moreover, due to concerns about regulatory scrutiny, particularly around anti-money laundering compliance, the FIU had halted the approval. 

Then, in June 2023, the company faced a lawsuit filed by the US Securities and Exchange Commission (SEC) over providing unregistered services to American users. The agency also accused Binance of misusing customer funds. To resolve all these issues, Binance replaced its CEO, Changpeng Zhao, in November. Since then, the company started a clean slate with the US authorities. 

Looking Ahead 

On October 17, 2025, Binance Alpha, a specialized Binance platform featuring emerging digital assets, will be the first platform to launch the airdrops for the tokens ANOME (ANOME) and SubHub (SUBHUB). It said that eligible users can claim their airdrop using Binance Alpha points once the trading begins.  

The airdrop and trading on Binance Alpha provide users with early exposure to innovative tokens, while Binance benefits by attracting active users to the platform. 

FAQs

The post Changelly Review 2025: Scam or Legit? Here’s Why Millions Trust It appeared first on Coinpedia Fintech News

Overall Rating (2025): ★ 4.4 / 5

Founded in 2015, Changelly is an instant crypto exchange and aggregator that lets users swap, buy, and sell digital assets without storing funds on the platform. Operating in 170+ countries and serving over 10 million users, it focuses on crypto swaps, fiat on- and off-ramps, and API integrations for wallets and businesses.

Crypto exchanges are an important part of any in  vestor’s journey, and we want to guarantee that when you exchange your coins and tokens you won’t have your money or data stolen. Changelly has had some scam accusations in the past, so we have set out to test if they’re a scam or legit.

This review evaluates Changelly’s safety, reliability, and usability based on hands-on testing and user feedback.

Overview of Changelly

Changelly is an instant crypto exchange that supports both crypto-to-crypto swaps and fiat-to-crypto purchases. For crypto swaps, Changelly sets a fixed service fee, while fiat transactions are routed through external providers that offer their own rates and payment methods. The platform focuses on speed and simplicity rather than advanced trading features.

Core Features

• Crypto Swaps: 1,000+ coins supported, operates across 185 blockchains, floating and fixed rate options.
• Crypto Purchases: 350+ coins available for direct purchase, 100+ fiat currencies supported, 20+ payment methods via 10+ fiat providers.
• Fiat On/Off-Ramp: fiat purchases are processed through third-party payment providers, off-ramps are available in select countries.
• Localization: multi-language support and multi-lingual customer service.
• Platform Access: available via web or a mobile app.
• Account Requirement: no mandatory account registration, optional account creation enables transaction history tracking and a small bonus.

Fees and Rates

Changelly’s pricing model is straightforward for crypto swaps and more variable for fiat purchases. The platform itself charges only a small fixed fee, while additional costs may come from external payment providers used for fiat transactions.

For crypto-to-crypto swaps, Changelly applies a flat 0.25% service fee, which is lower than the industry average. Users can choose between floating and fixed rates, both shown before confirming a transaction.

When it comes to fiat transactions, fees depend on the selected third-party payment provider and payment method. Changelly’s own fee is included in the total quote, but external providers may add their own charges, which can vary widely. Users can compare rates from numerous fiat providers directly on the platform before making a purchase.

In terms of transparency, Changelly lists its own service fee clearly, though provider-specific fees and exchange rate spreads are not always shown in full detail upfront. The total cost can change slightly depending on the provider, payment type, and currency used. There are no hidden platform fees beyond the stated 0.25% swap charge.

Custody and Fund Management

Changelly claims to never store or manage user funds on its servers. All transactions occur directly between users’ wallets, with Changelly serving only as an intermediary that facilitates the swap. According to the platform’s Terms of Use (Section 2.2), all exchanges and purchases are executed through external providers rather than by Changelly itself.

This setup significantly reduces the risks associated with centralized exchanges, as there are no exchange wallets or stored user balances that could be targeted in a security breach. Instead, users maintain control of their assets from start to finish.

Because Changelly does not hold custody of funds, users themselves are responsible for entering the correct wallet addresses and sending payments on time. Once a transaction is confirmed on the blockchain, it cannot be reversed or recovered by the platform.

KYC / AML Policy

Now, we’ve arrived at one of the most important (and somewhat controversial) points. KYC and AML are a headache for most crypto users.

According to their official subreddit, Changelly follows a risk-based KYC and AML framework designed to identify suspicious activity and prevent misuse of its services. From what we’ve discovered, this system is one of the main reasons why claims of a “Changelly scam” occasionally appear online: they’re typically from users whose transactions were delayed by automated security checks rather than from any fraudulent behavior by the platform itself.

What Is the Process Like?

Since we’ve already reviewed dozens of exchanges, we are very familiar with this type of KYC/AML processing. Basically, the exchange uses an automated risk scoring system that flags transactions showing irregular activity or potential compliance risks. Verification is only triggered when certain conditions are met, such as unusual transaction patterns, suspicious wallet destinations, possible connections to stolen or hacked coins, or very large transfer amounts. (While inconvenient, the goal of these checks is to prevent money laundering, reduce fraud, and help recover stolen funds.)

A screenshot we found in Changelly’s KYC guide

Changelly doesn’t do the verification by itself. Instead, it’s done via SumSub, a well-known and reputable platform that manages all document handling and screening. Users may be asked to upload a passport, driver’s license, or ID card, followed by a selfie or liveness check to confirm authenticity. According to official sources, basic verification usually takes about five minutes, while enhanced due diligence may take longer for high-risk cases.

As far as we know, the process is handled automatically, with no direct manual review by the Changelly staff except when legally required. Most users never undergo verification unless their transaction is specifically flagged. Feedback from the community is mixed: some express frustration about unexpected KYC requests or temporary holds, while others report that their funds were released quickly after completing verification.

Overall, Changelly’s AML and KYC practices align with international compliance standards. While they can occasionally cause delays, these procedures are essential for maintaining security and ensuring that the platform remains a legitimate, non-scam service in a space often targeted by fraudsters.

Security and Trustworthiness

Let’s keep exploring whether Changelly is a scam or not by looking at its security track record and transparency. So far, the evidence points to a legitimate, well-secured platform rather than a scam. While it’s not related to the platform’s policies, we also think it’s important to note that, since Changelly’s launch in 2015, it has had no recorded hacks or data breaches.

As we have mentioned previously, the platform doesn’t store either user data or user funds. Changelly also employs standard protections, such as:

• Two-factor authentication (2FA) for accounts.
• SSL encryption for all web and app traffic.

Legally, Changelly is registered in St. Vincent and the Grenadines and operates under that jurisdiction’s framework. Its team members are publicly listed and verifiable through professional sources.

In terms of reputation, Changelly maintains high app store ratings, serves 10+ million users worldwide, and partners with trusted wallets and payment processors. Taken together, these factors reinforce that Changelly is not a scam, but a long-standing and reputable service in the crypto exchange market.

User Experience and Support

Changelly offers a clean, beginner-friendly interface that works consistently across both web and mobile. Users can start swapping crypto immediately without creating an account. The platform runs smoothly and is easy to navigate, even for first-time users.

Transaction speed is one of Changelly’s strengths: most swaps complete in under 10 minutes, with small exchanges often processing almost instantly. Larger transactions may take longer if flagged for verification, but typical delays are minimal.

Customer support is available 24/7 through live chat with real agents, not bots. In testing, responses arrived within seconds and were clear and helpful. The support team is multi-lingual and active across time zones, which adds to the platform’s overall accessibility and reliability.

Advantages

Changelly’s main strengths lie in its simplicity, speed, and non-custodial design. It’s built for users who value convenience and security over complex trading tools.

• 0.25% flat service fee on swaps (competitive pricing)
• Doesn’t store funds on the platform (no risk of centralized fund loss)
• Easy to use for beginners, intuitive design
• 1,000+ supported coins, 350+ purchasable directly
• Available in 170+ countries
• 24/7 live human support
• Fast processing, average under 10 minutes
• No account required for transactions
• Multi-language interface and support

Disadvantages

Some limitations come from its reliance on third-party providers and lack of full regulatory licensing, which may affect costs or availability in certain regions.

• Doesn’t support all fiat currencies
• Fiat operations depend on third-party providers
• Provider fees can increase total cost for fiat purchases
• Restricted in some regions (including the US, UK, Hong Kong, etc.)
• Not a full trading platform (no order books or advanced tools)
• KYC may be unexpectedly triggered for large or flagged transactions

Ideal Use-Cases

Changelly is best suited for users who want to swap or buy crypto quickly without navigating complex trading tools. It’s a good fit for those who value simplicity and privacy. The platform also works well for beginners, offering low minimum limits and fast onboarding.

However, Changelly is less suitable for professional traders who need advanced features like order books or charting tools. It may also not be ideal for users who prefer fully licensed, regulated exchanges or for those making frequent large transactions.

Best Practices for Safe Use

• Break up large transfers: avoid sending large sums in one go, and test with small amounts first.
• Enable 2FA: protect both exchange and email accounts.
• Check official sources: always access via verified URLs or official apps.
• Be KYC-ready: have valid ID and documents available for large or unusual transactions.

Conclusion

Changelly is not a scam. After ten years of continuous operation, the platform has built a solid reputation in the crypto industry. It’s trusted by over 10 million users and 600+ partners, with no record of hacks or data breaches since its launch in 2015.

Its main strengths lie in simplicity, broad asset support, responsive customer service, and a secure, non-custodial design. These qualities make it a dependable option for everyday crypto users who value speed and convenience.

On the downside, Changelly faces regional restrictions, extra fees from third-party providers, and occasional KYC delays, which may inconvenience some users, particularly those handling larger transactions.

Overall, Changelly remains best-suited for fast, small-to-medium crypto swaps or fiat purchases, offering a practical balance of usability and security.

Final Rating (2025): ★ 4.4 / 5 — A secure, long-standing exchange aggregator that delivers reliability and ease of use, though it’s less ideal for advanced traders or users who require licensed fiat operations.

The post Which Crypto to Buy Today for Short-Term Gains? Traders Bet on a 300% Upside Token appeared first on Coinpedia Fintech News

Momentum drives short-term crypto investment where traders seek tokens that combine working products with price growth potential. One new crypto coin is standing out in this cycle — Mutuum Finance (MUTM). It is a decentralized finance project still in presale but already showing the structure of a functional ecosystem. With a working dashboard, planned dual lending models, and a future buyback plan, Mutuum Finance (MUTM) is capturing market attention.

Mutuum Finance (MUTM)’s Presale Stats

The token’s presale price is $0.035 in Phase 6. Around 68% of this phase has already sold, raising about $17.42 million from more than 17,000 holders overall. Early participants from Phase 3, who entered at $0.02, already see their holdings valued at $14,000 from an $8,000 purchase. Once the token lists around $0.06, the same amount will value at $24,000. The projected surge to $0.12 places short-term returns near 300%. Such figures make Mutuum Finance (MUTM) one of the strongest 300% content in short-term crypto predictions for this quarter.

This optimism comes from the token’s upcoming milestones. The team has announced the launch of V1 of the protocol on the Sepolia testnet in Q4 2025. The testnet will allow live lending, borrowing, and collateralization of USDT and ETH from day one. This early release includes vital tools like a liquidity pool, mtToken, debt token, and a liquidator bot designed to keep operations smooth and secure. Most presales deliver promises; Mutuum Finance (MUTM) will deliver utility. This feature will attract early users, building instant on-chain demand and setting the stage for price acceleration right after launch.

In Mutuum’s model, mtTokens are 1:1 receipt tokens that automatically reflect accrued yield, simplifying accounting for lenders. Debt tokens track borrower obligations and interest with clear on-chain state. The liquidator bot is paired with configurable parameters (e.g., liquidation thresholds, close factors), aiming to keep positions healthy while minimizing unnecessary sell pressure. Oracle inputs are designed with redundancy — Chainlink feeds where available, supplemented by DEX-based TWAP fallbacks — to reduce the odds of bad price prints triggering unfair liquidations.

Dual Lending as Mechanics That Power Growth

The lending model of Mutuum Finance (MUTM) will anchor its ecosystem. It will operate two systems — Peer-to-Contract (P2C) and Peer-to-Peer (P2P). Together, they will cover both low-risk and high-yield preferences.

The P2C side applies asset-specific risk parameters such as loan-to-value (LTV), liquidation threshold, and borrow caps. It also supports both variable and stable borrow rates, letting users choose between flexibility and payment predictability. The P2P side isolates risk per market so that bespoke loans on long-tail assets don’t affect the pooled markets. This separation is central to Mutuum’s approach to capital efficiency and downside control.

In the P2C model, lenders will supply popular assets like ETH, or USDT into liquidity pools. When a lender deposits $12,000 BTC-equivalent, they will receive mtBTC tokens that represent their share. With an average yield of 14% APY, this lender will earn $1,680 in a year while holding the mtBTC. The system is designed to generate consistent rewards, encouraging deposit growth and liquidity stability.

Borrowers, on the other hand, will use their crypto holdings as collateral to access liquidity. For example, a borrower posting $3,000 in SOL will be able to borrow $2,100 in USDT at a 70% loan-to-value ratio. This system allows traders to unlock capital without selling assets, creating more circulation and borrowing activity within the protocol.

The P2P system will attract a different audience — those who prefer higher yields. By supporting both models, Mutuum Finance (MUTM) will ensure continuous capital movement and real yield creation. This combination of flexibility and reward will strengthen demand for the token in the short term.

The rollout of lending and borrowing options introduces real-world functionality that’s likely to bring more users into the ecosystem. Soon, users will be able to lend, borrow, and stake their assets in specific pools to generate rewards and passive income. Because each of these actions requires the use of MUTM, the resulting surge in demand is expected to become a major catalyst for the token’s price appreciation.

Future Buybacks Generating More MUTM Demand

The economic engine of Mutuum Finance (MUTM) will also include a buyback and staking loop. Revenue from platform fees will be used to buy MUTM from the open market. These repurchased tokens will then be distributed to mtToken stakers. This structure will recycle value into the community while generating MUTM demand. As staking increases, fewer tokens will remain tradable, naturally supporting the price. This design will serve as a key driver behind the projected 300% short-term gain.

UX and 24-hrs Leaderboard For Maximum Engagement 

To make participation engaging and to appreciate big investors, Mutuum Finance (MUTM) has already launched its ROI dashboard and leaderboard system. These tools will allow users to calculate ROIs and list the top investors on the leaderboard. A new development has been made to the 24-hour leaderboard. 

Each day, the user holding the top position will earn a $500 MUTM bonus, provided they complete at least one transaction within that 24-hour period. The leaderboard refreshes automatically every day at 00:00 UTC. Gamification will build loyalty and repeat engagement, increasing the project’s activity rate and sustaining volume growth across the ecosystem.

Final Words

The coming months will also mark key events that strengthen investor confidence. Mutuum Finance (MUTM) has been reviewed by CertiK, with a TokenScan score of 90 and a Skynet rating of 79. It has also announced a $50,000 bug bounty program to reward security researchers. These steps, combined with a $100,000 giveaway to promote community expansion, show a strong focus on transparency and participation. Longer-term, the documents outline an on-demand, over-collateralized USD-pegged stablecoin concept, where interest would accrue to the treasury — potentially adding another source of protocol revenue that could flow into the buy-and-distribute loop. The roadmap also mentions Layer-2 exploration to lower costs and broaden reach once core markets stabilize.

The current presale momentum confirms rising demand. As Phase 6 nears its end, the price will move to $0.04 in Phase 7, a 15% increase. Traders looking for quick short-term exposure are positioning before that happens. Each phase transition brings higher pricing, which strengthens the base for a rapid post-launch breakout.

For more information about Mutuum Finance (MUTM) visit the links below:

• Website: https://www.mutuum.com
• Linktree: https://linktr.ee/mutuumfinance

The post Is Gold’s Rise an Urgent Warning Sign for Bitcoin and the Global Economy? appeared first on Coinpedia Fintech News

Gold has taken center stage in 2025. Spot prices recently climbed above $4,300 an ounce for the first time, marking a record high. Normally, in times of uncertainty, investors turn to the US dollar or treasuries. This year, it’s different. Gold is the safe-haven of choice, and people are taking notice.

The rally remains relentless. Since early 2024, gold has nearly doubled in value, leaving stocks, bonds, and even cryptocurrencies struggling to keep up.

But why? If you’ve been wondering the same thing, dive in.

Why Gold Is Surging So Much 

Gold has always been simple. It holds value and unlike industrial commodities, it doesn’t depend on factories or technology. It’s reliable, easy to trade, and a proven way to protect wealth.

Historically, gold has spiked during crises: $1,000 in 2008, $2,000 in 2020, and $3,000 after Trump’s tariff announcements. Today’s rally builds on these patterns but with added pressure from multiple fronts.

Investors are worried about government debt, fiscal stability, and the independence of the US Federal Reserve. Low interest rates and inflation fears make gold more attractive than cash or bonds.

Are People Losing Faith In the Dollar?

The US dollar, long the default safe haven, is under pressure. In 2025, it has posted its biggest six-month drop in 50 years. Investors are taking their money out of fiat and turning to gold – a move experts call the “Debasement Trade.”

Political pressure on the Fed, tariffs, and global tensions are only adding fuel. That kind of uncertainty makes gold look even safer.

Also Read: ‘Rich Dad Poor Dad’ Author Warns of “End of US Dollar,” Crypto, Gold and Silver to Surge

China and Central Banks Leading Demand

Geopolitics is reshaping gold markets. After Russia’s 2022 invasion of Ukraine, countries began diversifying reserves away from the dollar. Central banks now buy around 1,000 tons of gold per year, a huge reversal from previous decades.

China is at the center of this trend. The People’s Bank of China is reducing US treasury holdings and buying gold to support de-dollarization. With China as the world’s largest gold consumer and producer, its actions have global impact and provide steady support for prices.

ETFs and Retail Investors

Gold-backed ETFs are also driving the rally. By letting investors trade gold like a stock, ETFs have opened the market to retail and institutional buyers. September 2025 inflows were six times larger than expected, showing strong demand.

Silver and platinum are rising alongside gold, although their industrial uses give them slightly different market dynamics.

Bitcoin vs Gold: Still a Long Road

Bitcoin has struggled to match gold’s momentum. Gold’s market cap now hits $30 trillion, while BTC would need a 1,500% rally to reach the same level. Year-to-date, gold is up ~65%, Bitcoin only 11%.

Peter Schiff, a noted Bitcoin skeptic, said, “It’s not just a de-dollarization trade but a de-bitcoinization trade. Bitcoin has failed the test as a viable alternative to the U.S. dollar or digital gold.”

Some remain bullish, like Mexican billionaire Ricardo Salinas, who says BTC could rally 14x to catch up with gold. But for now, gold dominates as the go-to safe haven.

What’s Next

Gold’s rally is unlikely to slow soon. Analysts at Goldman Sachs and Deutsche Bank expect it could reach $4,900 by year-end, driven by central bank purchases, ETF demand, and ongoing geopolitical uncertainty.

Any resolution of trade tensions or conflicts could ease the rally, but for now, gold is the safe haven that investors trust. 

Bitcoin and other cryptocurrencies may rebound if institutional interest grows, but for the moment, the spotlight remains firmly on gold.

The post Bitcoin Price Loses Key Support: Is This the Beginning of the Next Major Bear Market? appeared first on Coinpedia Fintech News

Ever since the Bitcoin price rejected from the resistance above $116,000, the bears seem to have taken control of the market. The crypto market initiated a correction, and after losing $110,000, the pullback has intensified following a drop below $105,000. Traders are closely watching on-chain flows, derivatives positioning, and macro indicators for signs of further weakness. As Bitcoin struggles to regain momentum, analysts warn that a deeper correction could be underway—potentially marking the official start of the next bearish cycle.

Is BTC Price Heading to $100K?

Major cryptos are showing weakness, and the sentiments have entered extreme fear. This week, BTC saw over $850 million in ETF outflows, at a time when Gold is setting a new record at $4,380. Gold has surged over 65% YTD while the BTC price surged just 13% YTD, hinting that no one’s got FOMO for BTC anymore. Bitcoin has never closed October in the red, and hence, 2025 seems to be quite different. Does this suggest Bitcoin price is prone to a deeper correction?

Bitcoin has decisively broken below its 200-day EMA at $108,039, signalling a potential shift from bullish to bearish territory. The drop below this long-term moving average, coupled with weakening momentum on the RSI, suggests that bears are gaining control over the market structure.

Chart Structure & Patterns

• Ascending Trendline Broken: The long-term ascending support (marked in brown) has been breached, confirming a breakdown of the uptrend that began in March 2025.

• Horizontal Support Zone: BTC is currently testing a crucial horizontal support between $105,000 and $106,000. A daily close below this range could accelerate selling pressure.

• Previous Resistance Zone: The zone around $116,000–$118,000 acted as a strong rejection area, forming a double-top pattern, which now acts as a bearish reversal confirmation.

Indicators

• RSI (14): Currently near 34, showing clear bearish momentum and hinting that BTC is approaching the oversold zone but not yet reversing.

• 200-day EMA: Now acting as a dynamic resistance, confirming a structural shift toward a bearish phase if BTC fails to reclaim it soon.

• Volume: Rising volume on red candles indicates strong distribution rather than panic selling, implying controlled bearish dominance.

Key Levels to Watch

Price Targets

• Bearish Target 1: $102,000 – testing the early May breakout zone.

• Bearish Target 2: $98,000 – aligns with the previous accumulation range and volume support.

• Bullish Recovery Target: If BTC bounces back above $108,000 and closes above $110,000, it could attempt a retest of $116,000, invalidating the immediate bearish bias.

Bitcoin price is at a make-or-break stage, sitting just above a critical support cluster. The loss of the 200-day EMA and a breakdown from the ascending trendline point toward a shift to a medium-term bearish trend, unless the bulls reclaim $108,000 in the coming sessions.

If the current support fails, the BTC price could retrace toward $100,000–$98,000 before stabilising.

The post Bitcoin Price Crash Mirrors 2023 Banking Fallout as Gold Price Hit New Highs appeared first on Coinpedia Fintech News

Bitcoin price crashed below $105,000 on Friday, marking its lowest level since June. The drop came as stress in U.S. regional banks stirred fears similar to March 2023, when a banking crisis triggered a sharp crypto crash before a rebound. Traders are now closely watching the $100,000 level as critical support. Some warn that if it fails, Bitcoin could slide further toward $98,000.

Banking Woes Spill Into Crypto

Concerns over U.S. regional banks have hit both traditional and crypto markets. Banking stocks began falling in a pattern reminiscent of last year, causing ripple effects across cryptocurrencies. Earlier support levels for Bitcoin, including daily moving averages, failed to hold, pushing the price down to its 200-day moving average for the first time in over six months. Traders remain divided: some hope for a rebound above $110,000, while others expect more pain before relief arrives.

Traders Watch Price Patterns

Analysts are paying close attention to short-term movements. Some traders noted attempts to “fill” candle wicks from last week’s charts, briefly lifting Bitcoin to $102,000 on Binance. Weak support appears between $101,000 and $102,000 if the $108,000 level does not hold. Overall, the market remains nervous amid global economic pressures, including U.S.-China trade tensions.

Altcoins Lose Ground

The Altcoin Season Index also reflected the shift in market sentiment. On October 17, it dropped sharply to 25, down from 78 a month earlier, signaling a rotation back to Bitcoin. Over the past week, the index averaged 35, and only around 25 of the top 100 cryptocurrencies outperformed Bitcoin in the last 90 days. The move shows investors are favoring Bitcoin over altcoins amid renewed market volatility.

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• Also Read :
•   Is Gold’s Rise an Urgent Warning Sign for Bitcoin and the Global Economy?
•   ,

Gold vs Bitcoin

While Bitcoin struggles, gold continues to hit new highs, attracting investors seeking safety. Bitcoin critic Peter Schiff predicted that gold could reach $1 million per ounce before Bitcoin achieves the same milestone. He argues that Bitcoin has yet to prove itself as a reliable alternative to the U.S. dollar or digital gold. Some traders, however, see this as a short-term phase, expecting money to flow from gold back into Bitcoin.

Current Market Sentiment

The current market shows a mix of caution and opportunity. Banking stress is pressuring Bitcoin and the broader crypto market, while gold remains a safe haven. Traders are closely monitoring Bitcoin’s key support levels and the ongoing rotation between gold and crypto. The next few days will likely reveal whether Bitcoin can hold above $100,000 or follow last year’s slide.

FAQs

The post ZORA Price Gains Spotlight as Upbit Listing and “Believe Fund” Boost Ecosystem appeared first on Coinpedia Fintech News

The ZORA price has drawn renewed interest over the past weeks. Trading around $0.09680 at writing, the token has shown resilience after bouncing from its October 1 low near $0.045. Despite intense market-wide liquidations, ZORA has held its ground, reflecting strength not witnessed among smaller altcoins.

From October 1 it began reversal from the support zone, triggering a breakout from a falling wedge pattern on the ZORA price chart.This move is significant in a month when many altcoins have suffered heavy drawdowns. Now, experts and investors are intrigued to know whether this rally continues or correction is coming?

Upbit Listing and “Believe Fund” Fuel Credibility and Demand

The primary recent bullish catalysts are adding renewed fuel to ZORA’s upward push, as well as market sentiment. As on October 17, ZORA it was officially listed on Upbit, one of Korea’s premier exchanges, with trading pairs in KRW, BTC, and USDT. 

Such exposure offers access to a high-volume retail audience, which could meaningfully boost liquidity and demand in the ZORA USD market.

In tandem, the project launched the Believe Fund on October 15, allocating 20 million ZORA tokens (0.2% of supply) to support creators and boost liquidity within the “creator coins” ecosystem. 

This initiative ties directly into the network’s use-case, as creators minting tokens on Base now require ZORA for fees and launches. Thus, the new fund not only incentivizes creator participation but also actively reduces circulating supply while boosting usage.

These strategic moves together work as a dual mechanism, this will be managed by locking tokens to ecosystem incentives and expanding exchange access, ZORA strengthens its real-world and speculative appeal.

Technical Setup: Signs of Strength, But Bears Still Testing

Beyond just the fundamentals news, ZORA price forecast is also bolstered by its key technical signals. Over the past 17 days, the token has developed a strong golden cross between the 20-day and 50-day EMAs. This indication is widely recognized in the industry as a classic example of a bullish continuation sign. These events suggest momentum may continue upward if buyers hold control.

Nevertheless, caution is still warranted. Many price bars exhibit long upper wicks, showing heavy selling still continues. That tug-of-war between bears and bulls suggests supply is being aggressively challenged even as buyers try to absorb it. In other words, while momentum is building, the battle is not yet decided.

For this optimism to convert into sustained gains, ZORA price will need to clear above $0.12–$0.13 resistance properly. Also it needs to avoid its price slipping back toward $0.06–$0.04 zones.

The post Japan’s Megabanks to Launch Yen-Pegged Stablecoin for Faster Payments appeared first on Coinpedia Fintech News

Japan’s banking giants are stepping forward to explore new ways to make payments faster, simpler, and more efficient using digital currencies. 

This marks a shift in cross-border and corporate payments and another step closer to a future where traditional banking is increasingly embracing modern technology.

Japan’s Top Banks Collaborate 

Three of Japan’s biggest banks, MUFG Bank, Sumitomo Mitsui Banking Corp., and Mizuho Bank are joining forces to create a stablecoin, Nikkei reports.

The three megabanks plan to build their stablecoin using the platform of Tokyo-based fintech company Progmat, in which they all hold stakes. The banks aim to create common standards for the stablecoin so it can be used for both intra-company and inter-company payments.

Yen Stablecoin First, USD Later

The banks will start with a stablecoin pegged to the Japanese yen, with a U.S. dollar version planned for the future. They expect the yen stablecoin to be ready for practical use this fiscal year, following a proof-of-concept trial.

Japanese trading company Mitsubishi Corporation will begin using the stablecoin for internal financial settlements. Mitsubishi oversees more than 240 operating companies, which frequently make international payments for dividends, customer transactions, acquisitions, and investments.

Notably, the banks serve over 300,000 key clients, and widespread adoption of their stablecoin could help Mitsubishi slash remittance costs and lighten administrative workloads, both internally and externally. 

Cross-Border Payments Pilot

In September 2024, the three banks had announced a pilot for a cross-border stablecoin transfer platform, Project Pax, aimed at speeding up international settlements for businesses.

The project leverages stablecoins issued through Progmat, a blockchain startup backed by the three banks, as well as SBI Holdings and Japan Exchange Group. Progmat, together with Datachain and TOKI, manages the initiative and is facilitating testing of cross-chain transactions to ensure fast, secure, and compliant international transfers.

Project Pax will use SWIFT’s current API system to allow banks to instruct Progmat to settle transactions on blockchain networks. This setup helps tackle anti-money laundering and other regulatory compliance requirements. 

According to the project, it also allows financial institutions to avoid duplicating processes used in traditional fiat transfers and to reduce investment costs.

The initiative was set to begin with a prototype phase, with the goal of launching a fully commercial platform by 2025.

Meanwhile, Japan’s Financial Services Agency (FSA) is all set to approve the nation’s first yen-backed stablecoin as soon as fall 2025.

Japan is taking a leap toward the future of payments. By exploring stablecoins and blockchain, they are making it easier, faster, and cheaper for businesses to move money both inside Japan and across borders. 

The post Ripple XRP News: Ice-Cold Investment XRP Tundra Distributes $14K in Arctic Spinner Rewards appeared first on Coinpedia Fintech News

Most new presales promise innovation. Very few can prove it. While countless token launches fade behind claims of “upcoming utility,” XRP Tundra has already delivered verifiable results. Its Arctic Spinner reward engine has now distributed more than $14 000 in live, on-chain bonuses — visible, claim-free, and fully automated.

The model sits at the center of an ecosystem designed for measurable economics rather than hype. Built across the XRP Ledger and Solana, XRP Tundra links Solana’s high-speed architecture with XRPL’s compliance-ready settlement network. Its presale, now in Phase 7, has raised over $1.5 million, putting it among the most actively discussed launches of 2025.

Arctic Spinner Turns Engagement Into Proof of Payout

Arctic Spinner functions as a live rewards contract that delivers bonuses directly to user wallets. Every TUNDRA-S purchase activates a defined number of on-chain spins, with each result calculated through open smart-contract logic. No central scripts or manual approvals are involved — every reward can be verified in real time on Solana.

• Tier A ($100 – $499) → 1 spin, potential 4 %, 7 %, or 10 % bonus.
• Tier B ($500 – $999) → 2 spins, chances of 12 %, 16 %, or 20 %.
• Tier C ($1,000 +) → 3 spins with “enhanced luck power,” increasing top-tier reward odds.

All results appear on-chain, and the bonus TUNDRA-S is deposited directly into the user’s wallet within seconds. There are no claim portals, screenshots, or manual approvals. Every registered user also receives one free spin every 24 hours, reset at midnight UTC — allowing continuous participation between presale phases without new spending.

Crypto analyst Crypto Tech Gaming described the Spinner as a presale feature that finally backs its math with visible transactions. More than $14,000 in payouts have been recorded to date — small in scale compared to full listings but significant as a live demonstration of accountability.

From Spins to Staking: Cryo Vaults Build the Yield Layer

Bonuses earned through the Spinner can be redeployed inside Cryo Vaults, Tundra’s staking engine, after the official launch. The vaults transform those instant rewards into compounding income streams with lock options of 7, 30, 60, and 90 days, offering annualized yields up to 30 % APY.

Each vault aggregates liquidity and trading fees from the broader ecosystem, redistributing them to stakers in proportion to their commitment period. Short locks suit participants seeking flexibility; longer locks maximize reward rates. The combination ensures that engagement becomes the first step in a continuous, yield-producing cycle.

Because the vaults and Spinner operate on Solana’s transparent infrastructure, every stake and withdrawal is traceable, reinforcing the project’s broader commitment to auditable DeFi mechanics.

DAMM V2 Keeps Liquidity Under Control

Behind the reward and staking systems sits Meteora’s Dynamic Automated Market Maker V2 (DAMM V2), which governs how liquidity enters and exits once trading begins. Traditional AMMs often invite manipulation in early trading — bots front-run new pairs, and first-hour dumps distort price discovery. DAMM V2 addresses that by using a time-based fee scheduler.

Fees start extremely high, sometimes near 50%, then decrease stepwise toward standard levels around 0.25%. This structure discourages automated selling and converts early speculative pressure into fee revenue. Those collected fees are redirected into Cryo Vault pools, turning volatility into a reward source for long-term stakers.

DAMM V2 essentially transforms every trade — even a short-term one — into a contribution to ecosystem stability. For investors, that means fewer flash crashes and a smoother transition from presale to open-market trading.

Tokenomics With No Blind Spots

The presale’s design is fully mapped in audited documentation rather than a simplified dashboard. Approximately 40% of TUNDRA-S supply is allocated to presale participants, 25% to Cryo Vault rewards, 7% to liquidity provisioning, and 10 % to team allocations under a 12-month lock with 24-month vesting. The remainder supports R&D, reserves, and marketing.

Such distribution prevents sudden centralization and ensures that community participants — not the development team — control the majority of circulating tokens by the time of listing. Every allocation can be verified through the published audit repositories.

Three independent audits — Cyberscope, Solidproof, and FreshCoins — have reviewed the project’s contracts, while Vital Block completed KYC verification for all executives and wallet signers. Together, they confirm the integrity of the presale contracts, liquidity routing, and staking modules.

A Cold Start That’s Now Running Hot

With the reward engine already live and staking modules completed for launch, XRP Tundra shows how a presale can operate like a working product rather than a promise.

More than $1.5 million has already entered the ecosystem, and each phase continues to fill rapidly. For investors tired of empty dashboards and delayed utilities, the proof is literal — it’s already on-chain.

Spin before Phase 7 closes — every purchase earns instant rewards:

Website: https://www.xrptundra.com/
Medium: https://medium.com/@xrptundra
Telegram: https://t.me/xrptundra
X: https://x.com/Xrptundra

Contact: Tim Fénix — contact@xrptundra.com