Crypto.Andy

10 major European banks have just launched a shared blockchain network. The new initiative, Regulated Layer One (RL1), is backed by institutions including ABN AMRO, DekaBank, DZ BANK, Crédit Mutuel Alliance Fédérale, LBBW, Natixis CIB, and others. The goal is simple: build a shared, regulated blockchain infrastructure for tokenized assets, digital money, $BTC and next-generation financial services. What's interesting is the structure. RL1 isn't owned by a single company. It's organized as a cooperative, giving participating institutions shared governance over the network. To me, this is another sign that Europe's blockchain strategy is shifting from experimentation to infrastructure. Instead of every bank building its own blockchain, they're starting to build one together. That's probably where the next wave of institutional adoption begins. #BTC Price Analysis# #Bitcoin Price Prediction: What is Bitcoins next move?#

👀 The Lobby Effect: Why Your Users Open Your App Only To Leave It 84% of crypto investors say they would prefer to buy and hold crypto like $BTC directly through their primary bank, according to a Visa Global Study. So why are so many fintech apps still acting as a "lobby" for someone else's product? The hidden cost of each such exit is much higher than it seems, because over time, the service where a person holds the majority of their assets becomes their primary one. Around 35% of crypto owners indicated that they are ready to switch their primary bank to a competitor that offers embedded crypto tools. And this statistic becomes useful when a business owner says, "Our clients don't need crypto." But it turns out they are simply fulfilling this need in another app. If demand isn't the blocker, high dev costs usually are - at least when building from scratch. Another way could be integrating an already existing infrastructure, such as the one offered by WhiteBIT Crypto-as-a-Service. A white-label integration could allow businesses to embed turnkey crypto features under their own brand: https://institutional.whitebit.com/crypto-as-a-service?utm_source=coinmarketcap&utm_medium=caass_andy&utm_campaign=post 🧩 Wallet generation for 340+ assets across 80+ networks, with 96% secured in cold storage. 🧩 Built-in VASP authorizations to handle compliance heavy lifting. 🧩 Go live via API in weeks rather than spending years on in-house builds. By giving users in-app crypto capabilities, the lobby could become the final destination again. Exits could turn into sessions, and sessions - into AUM growth. Disclaimer: This is not financial or investment advice. Do your own research before making any decisions. Use at your own risk. #BTC Price Analysis# #Bitcoin Price Prediction: What is Bitcoins next move?# #ad

Meta and BlackRock have announced a $14 billion partnership to develop a massive AI data center campus in Texas. Instead of fully funding the project itself, Meta is bringing in external capital. Here's how the deal is structured: • BlackRock-managed funds will own 80% of the venture. • Meta will retain the remaining 20%. • BlackRock's investment will be backed by $12.5B in debt. • Meta contributes land and construction assets while securing long-term access to the computing capacity through lease agreements. This structure allows Meta to keep expanding its AI infrastructure without putting the entire project on its own balance sheet. To me, that's one of the more interesting parts of the story. Building AI infrastructure is becoming so capital-intensive that even companies with hundreds of billions in cash are increasingly partnering with financial institutions instead of funding everything alone. As AI demand grows, data centers may become one of the most valuable asset classes of the decade. Do you think more Big Tech $BTC companies will start using this financing model for AI infrastructure? #BTC Price Analysis# #Bitcoin Price Prediction: What is Bitcoins next move?#

📊 Why 54% of Crypto Investors Prefer HOLD Strategy It might seem strange: someone who can afford to invest a thousand dollars into crypto $BTC consciously starts with just $50. This is about the psychology of decision-making. And as it turns out, this is highly typical behavior. A fresh study by PwC Strategy& (2026), which surveyed 2,500 retail investors, showed that the "buy and hold" strategy (54%) and making regular small contributions (50%) are the most popular approaches among crypto investors. This means taking a small first step is not the exception - it’s the norm for most of us. For example, the recent activity on WhiteBIT offers both a task with a minimal $50 entry, as well as a challenge for those who prefer active trading. https://bit.ly/4wGl4yg ◾ For holders: if you were to register, pass KYC, buy $50+ in USD₮ or XAU₮, and hold it on your balance until the end of the promo, you could qualify for a share of a 10,000 USD₮ prize pool. ◾ For traders: by trading as a taker on XAU₮-PERP, BTC-PERP, or ETH-PERP pairs, you could split a 1,000 USD₮ pool among the top 20 participants. Both approaches are valid - the main thing is to understand your risks. How many months or years have you been in crypto? Which strategy is more comfortable for you right now - holding or trading? Let's talk in the comments! 👇 Disclaimer: Investing in crypto-assets involves significant risks. You may lose the entire amount of your investment. Invest responsibly. #ad #BTC Price Analysis# #Bitcoin Price Prediction: What is Bitcoins next move?#

$BTC trading is getting quieter but that might not be a bad thing 👀 Spot trading volume has dropped to its lowest level since the 2023 bear market. On Binance alone, monthly $BTC spot volume fell from $246B in late 2024 to just $35B today. At first glance, that looks bearish. But here's the interesting part: despite lower prices, investors aren't rushing to sell. Over the past six months, exchange reserves have fallen by 78,000 BTC, suggesting more coins are moving into self-custody instead of sitting on exchanges. Lower trading activity + fewer coins available for sale often points to accumulation, not capitulation. #BTC Price Analysis#

Ethereum's Data Is Telling Two Stories. I Trust One More. The headline says $ETH is primed to rally, but the data underneath is arguing with itself, and that's worth slowing down for. On one side, capital is flowing in. Artemis shows $83 million of inflows in a day and daily fees holding around $200,000. That's real usage. On the other side, money is leaving too. DEX volume crashed from $1.5 billion on July 8 to about $361 million, down 22% in a week. Stablecoins on Ethereum shed roughly $4.8 billion this month. Those aren't signs of a market gearing up to run. So which do I believe? Here's my rule. Capital inflows and transaction counts are slow, structural signals. DEX volume and stablecoin supply are fast, mood signals. Right now the structure is strengthening while the mood is fading. Personally, I read that as a base forming, not a launchpad. Transactions holding near 2.5 million against last year's 1.6 million tells me the network is genuinely busier. But busier isn't the same as about to pump. Here's the part most people miss. Undervalued and ready-to-rally are different claims. ETH near $1,888 might be the first. The second still needs the mood to turn. 👀 #Ethereum #Macro Insights#

Strategy's Pause Isn't Fear. It's Math That Finally Bit. Four weeks now with no Bitcoin buy, the longest gap in two years. Saylor posted his Sunday chart again saying "we're gonna need another color," and once again, no purchase followed. I called the orange dots meaningless a couple weeks back. Now even Saylor seems to be playing with the joke. Here's the mechanic that actually matters. Strategy's mNAV fell below 1, meaning MSTR trades for less than the $BTC it holds. When that happens, selling shares to buy Bitcoin shrinks Bitcoin-per-share instead of growing it. The whole flywheel runs backward. Buying more would hurt the very holders it used to reward. So they're raising cash and parking it. The reserve now sits at $3.2 billion, covering roughly 1.8 years of those 12% preferred dividends. That's not panic. That's a company that finally has to respect its own balance sheet. Personally, I think this was inevitable. A CryptoQuant analyst nailed it in June: buying whenever cash is available isn't strategy, it's accumulating at cycle peaks. Thursday's Q2 report is the real test. The dots were never the story. The dividends always were. 🟠👀 #BTC Price Analysis# #Bitcoin Price Prediction: What is Bitcoins next move?# #Bitcoin

The Stablecoin Stat That Should Humble Everyone This Week I've spent all week hyping stablecoin distribution, so let me share the number that keeps me honest. Of the $35 trillion in annual stablecoin volume, McKinsey says only about 1%, roughly $390 billion, is real end-user payments. The rest is trading, arbitrage, and crypto moving between crypto. Let that sink in. The remittance story I keep telling is real, but right now it's the tiniest slice of the pie. Ninety-nine percent of stablecoin activity is traders shuffling dollars around exchanges, not people paying suppliers. Here's why I'm still bullish, just calmer. That 1% is the part growing, and forecasts put the market at $2 to $4 trillion by 2030. If payments become even a modest share of that, the numbers get huge. Small percentage, giant base. Personally, this is a healthy reminder. Samsung, Visa, and Stripe are building for a use case that mostly doesn't exist yet. That's not a knock, it's how infrastructure gets built, ahead of demand. Here's the part most people miss. The $USDC and USDT winners aren't fighting over today's payments. They're positioning for the day that 1% turns into something much bigger. 👀 #Macro Insights#

56% Short: A Setup Every Crypto Trader Should Recognize This number made me sit up. Roughly 360 million SpaceX shares are out on loan to short sellers, about 56% of the freely tradable stock. Shorts are sitting on an estimated $15.5 billion in paper profits since the June IPO. That is an extremely crowded trade. Crypto people know this pattern well. I've spent this week writing about short clusters on Solana and a crowded short building in Dogecoin. Same physics, different market. When one side of a trade gets that lopsided, the exit door becomes the whole story. Here's the thing though. Crowded doesn't mean wrong. Those shorts have been right for a month, and the stock sits far below its $225 high with real problems behind it, including another Starship delay. Being early and being crowded aren't the same as being incorrect. Personally, I'd just note that positioning like this changes how price behaves. Moves get sharper in both directions because forced buying and forced selling both hide in there. And here's the part most people miss. This is what $BTC traders practice for. Reading positioning is a transferable skill, and it works far outside crypto. 👀 #BTC Price Analysis# #Bitcoin Price Prediction: What is Bitcoins next move?#

⭐ Why More People Are Simply Buying and Holding $BTC Crypto Today, about 559 million people worldwide hold cryptocurrency, which is nearly 10% of the planet's entire online population. According to Paybis, back in 2023, this figure was at 420 million - meaning that in 3 years, the audience has grown by more than a third. But here is what is important: most of this growth does not come from traders who sit in front of charts 24/7. These are people who simply buy and hold. 83% of the entire Bitcoin circulating supply is currently in the hands of long-term holders - a record-high figure in the coin's entire history. You can test this approach in real-world conditions. WhiteBIT’s "First Crypto Boost" could serve as a unique training ground, where the main task is to confidently hold the asset on your balance. https://bit.ly/4wGl4yg How does it work? If you register, pass KYC, and make your first purchase of at least $50 in USD₮ or XAU₮, then by holding these assets on your balance until the end of the promo (July 31), you could qualify to share a prize pool of 10,000 USD₮. To start, you don't need complex strategies or leverage. Sometimes the smartest decision is to simply take the first step, choose a stable asset, and leave it alone. What is your main strategy in this market - active $BTC trading or quiet holding? Share in the comments! 👇 Disclaimer: Investing in crypto-assets involves significant risks. You may lose the entire amount of your investment. Invest responsibly. #Ad #BTC Price Analysis# #Bitcoin Price Prediction: What is Bitcoins next move?#

The XRPL Story Isn't the Grants. It's Who Pays for Them. I'll be honest, grants programs usually make me yawn. Every ecosystem announces one. But this XRPL Commons launch caught my eye for a structural reason, not a headline one. The stated goal is moving away from one central funder toward several independent organizations backing builders. Compare that to what I wrote about Ethereum days ago. Three new nonprofits appeared there, all financed by the same company. One ecosystem is spreading out its funding while another quietly concentrates it. Same word, decentralization, two very different directions. Still, let's keep perspective. Announcing grants is easy and cheap. Eleven funded open-source projects is nice, not transformative. I'd rather watch what survives than what gets funded. The detail I actually care about is LOBSTR. A major Stellar wallet with over 1.5 million users just integrated $XRP Ledger. That's a rival ecosystem's distribution channel opening a door, which beats any grant announcement. Here's the part most people miss. Ecosystems don't grow because money appears. They grow when someone else's users can suddenly reach you. 👀

🔥 From Monday Research to Tuesday Live: The Deployment Hack for Quants According to academic research on algorithmic trading (published in the Journal of Financial Economics), every successful quant strategy has its own "alpha half-life." Once a market inefficiency is identified, its profitability decays by about 35% per year. Every new launch requires creating fresh accounts, setting up API keys, and establishing reconciliation paths. Each deployment is treated as a "small $BTC project." The fix is treating launch as a configuration, not a project. 🧩 You need to be able to deploy a new strategy under your existing corporate infrastructure instantly, with isolated risk. This is where the WhiteBIT Market Making Program could offer a solution, as it is designed to let you create dedicated sub-accounts with zero repeated onboarding or KYC paperwork. https://institutional.whitebit.com/market-making-program?utm_source=coinmarketcap&utm_medium=mmrp_andy&utm_campaign=post In addition, its native integration with 1Token could allow fills to flow directly into your consolidated real-time PnL reporting from the very first trade. WhiteBIT sub-accounts make deployment a same-week event. Match your operations to your research velocity. By removing the setup friction, you might align your operational execution with your research velocity. A strategy cleared on Monday could be live on Tuesday. Disclaimer: This is not financial or investment advice. Do your own research before making any decisions. Use at your own risk. #Ad #BTC Price Analysis# #Bitcoin Price Prediction: What is Bitcoins next move?#

Europe just made it easier for institutions to invest in crypto 🇪🇺 CoinShares has launched a UCITS $BTC Mining ETF, making the product available to pension funds, insurance companies, and private banks across Europe. The interesting part? The product isn't really new. The format is. Many institutions couldn't invest before, not because they didn't want to, but because their internal rules only allowed UCITS funds. Now that barrier is gone. Do you think regulatory frameworks like UCITS and MiCA will bring the next wave of institutional money into crypto? 👇 #BTC Price Analysis# #Bitcoin Price Prediction: What is Bitcoins next move?#

Strategy raised another $263.5 million... without buying more Bitcoin 👀 Between July 13 and July 19, Strategy sold 2.73 million MSTR shares, raising $263.5 million through its at-the-market program. Despite the fresh capital, the company did not buy or sell any $BTC , keeping its holdings unchanged at 843,775 Bitcoin for the second consecutive week. Instead, Strategy increased its cash reserve to $3.225 billion, giving the company more flexibility to cover preferred stock dividends, debt obligations, and future capital needs without immediately selling Bitcoin. This follows another $466.7 million capital raise the previous week, suggesting Strategy is currently prioritizing liquidity over expanding its Bitcoin treasury. Source: https://crypto.news/strategy-bitcoin-holdings-stay-at-843775-btc-after-263-5m-raise/ #BTC Price Analysis# #Bitcoin Price Prediction: What is Bitcoins next move?#

🧩 Why 88% of Merchants Get Asked for Crypto $BTC , but Only 39% Can Accept It A recent report from PayPal and the National Cryptocurrency Association revealed something alarming for any EMI: nearly 88% of merchants have already received customer inquiries about paying with crypto - yet only 39% actually support it. The customer demand is there, but the bridge is missing. If you run an EMI serving hundreds of thousands of accounts, you are likely watching your customers move their funds out to external exchanges just to interact with digital assets. And I can guess why those 88% don't have $BTC infrastructure... Building a custom crypto infrastructure, managing secure custody, and setting up multi-chain flows requires massive engineering resources and intense regulatory analysis. But you don’t need to own the infrastructure to capture the transaction volume. The smarter play could be integrating these capabilities, even if you want to keep your own brand while having someone else work under the hood. By connecting a solution like WhiteBIT Crypto-as-a-Service, you could offer white-label crypto functionality - wallets, buy/sell features, custody, and transfers - delivered directly under your own brand.https://institutional.whitebit.com/crypto-as-a-service?utm_source=coinmarketcap&utm_medium=caass_andy&utm_campaign=post The heavy backend lifting, including VASP licensing posture and built-in AML/KYC checks, remains the provider's responsibility. On top of that, your customers could gain access to 340+ digital assets across more than 80 blockchain networks. You don't always need to hire a development team for 2 years just to match your customers' needs. By the way, how often do people ask you if they can pay with crypto? Disclaimer: This is not financial or investment advice. Do your own research before making any decisions. Use at your own risk. #Ad #BTC Price Analysis# #Macro Insights#

Samsung Just Became the Biggest Name in the Stablecoin Race I've argued all week that stablecoins get won on distribution, not technology. Then Samsung walks in. At Galaxy Unpacked, it said Samsung Wallet will support stablecoins natively, putting digital dollars on the phones of millions of Galaxy owners. Here's why the phone part matters so much. Until now, using stablecoins meant downloading a crypto app, and most people simply never will. Putting them inside a wallet that already holds your cards, IDs, and car keys removes the one step that kills adoption. No new app, no new habit. Compare that to what I wrote about Tether reaching 500 million wallets, mostly through phones in developing markets. Samsung wants that same path, except pre-installed. That's a serious shortcut. But let's stay honest. Samsung named no issuer, no launch date, and no markets. No word on whether it's USDT, USDC, $BTC or something else entirely. Right now this is a slide, not a product. Personally, I still think it's the most important stablecoin news of the week. Not because of what shipped, but because of who said it. When phone makers move, Visa and Circle have to move faster. 📱👀 #BTC Price Analysis# #Bitcoin Price Prediction: What is Bitcoins next move?#

What if one of $BTC 's biggest predictions has already come true? 👀 Back in 2014, industry leaders suggested that traditional payment companies wouldn't compete with $BTC - they would eventually partner with it. More than a decade later, that's exactly what we're seeing. Visa is expanding stablecoin settlement across multiple blockchains and rolling out stablecoin-linked cards in over 100 countries. Mastercard now works with more than 100 crypto companies through its Crypto Partner Program, helping connect traditional payments with on-chain commerce. What's interesting is that the conversation has also evolved. A decade ago, the focus was almost entirely on Bitcoin payments. Today, much of the momentum is around stablecoins, which are increasingly becoming the bridge between traditional finance and blockchain infrastructure. Do you think we'll eventually reach a point where most people use blockchain-powered payments without even realizing it? 👇 Source: https://crypto.news/visa-and-mastercard-prove-an-early-bitcoin-payments-prediction-right/ #BTC Price Analysis# #Bitcoin Price Prediction: What is Bitcoins next move?#

🧩 Who Actually Owns Your Wallet Code When Your Devs Leave? — "I’m the new Senior Dev. Where is the documentation on our $BTC wallets?" — "No docs, but Michael knows everything." — "Great! Where’s Michael?" — "He resigned last week..." Funny until it’s real. According to Coding Sans, devs spend up to 40% of their time just figuring out undocumented, proprietary code. 🔥 The hidden problem of proprietary infrastructure is knowledge concentration. When you build your own wallets from scratch, you aren't just buying technology. You are buying a lifelong dependency on a few engineers who hold all the system's nuances in their heads. Infrastructure shouldn't be your intellectual property unless it is your core product. 🧩 One way to solve this issue could be offloading the infrastructure layer itself - along with the obligation to maintain that knowledge - to a specialized provider. WhiteBIT Wallet as a Service could handle key management, multi-chain logic, and AML verifications, leaving your team to work solely with the API interface. https://institutional.whitebit.com/crypto-wallets-for-business?utm_source=coinmarketcap&utm_medium=waaass_andy&utm_campaign=post Just as importantly, it could give business access to 340+ digital assets across 80+ networks, without having to build and maintain support for each blockchain individually. This isn't a magic pill, but onboarding a new Senior Dev would no longer depend on whether someone managed to "hand over knowledge in conversation. Disclaimer: This is not financial or investment advice. Do your own research before making any decisions. Use at your own risk. #Ad #BTC Price Analysis# #Macro Insights#

Ethereum just broke a trend that held for almost a year 👀 $ETH has finally broken above its long-term downtrend line that had been acting as resistance since August 2025. What's driving the move? • Five straight days of spot ETH ETF inflows, totaling over $600 million. • Companies like BitMine continue adding $ETH to their treasury. • A broader recovery in the crypto market led by Bitcoin. Analysts are now split on where ETH could go next. Standard Chartered sees Ethereum reaching $7,500 by the end of 2026, driven by stablecoins and tokenized real-world assets. Citi, on the other hand, has a much more conservative target of $2,240. Can ETH outperform $BTC in the next phase of this cycle? #ETH #ETHBlockchain

🧩 The Difference Between More Coins and Better Diversification One of the biggest misconceptions in crypto is believing that owning more coins automatically means you're diversified. I still see this idea surprisingly often, even among experienced $BTC investors. Imagine someone holds BTC, ETH, SOL, XRP, ADA, AVAX and LINK. At first glance that looks like a well-balanced portfolio because the assets have different use cases. But when you look at the correlation data from Macroaxis, the picture changes. Most of these coins have a historical correlation of 0.90-0.97 with Bitcoin, meaning they often move in the same direction when the market becomes volatile. This correlation made me rethink diversification. If most Top 10 coins move with Bitcoin, maybe the goal isn't owning more coins but gaining exposure to different narratives. That's the same principle behind WhiteBIT Crypto Bundles. https://bit.ly/4aXJ9Z4 Instead of grouping the biggest crypto together, they're built around themes like Crypto Core, AI Supercycle, RWA and Industry Scaling, allowing users to invest based on an investment thesis rather than market capitalization. The entry point starts at just 50 USDT, making it accessible for beginners. On top of that, recurring purchases can be set up daily, weekly, or monthly, which is useful for anyone building a long-term portfolio gradually instead of trying to time the market. Do you diversify by market cap or by the narratives you believe in? Source: Macroaxis Correlation Analysis. Disclaimer: Investing in crypto-assets involves significant risks. You may lose the entire amount of your investment. Invest responsibly. #Ad #BTC Price Analysis# #Macro Insights#