No espaço da CRYPTOFACIL, compartilhamos nossos estudos, análises, guias educacionais e insights. Valorizamos o conhecimento com foco no aprendizado contínuo.
🚀 $XRP EM ALERTA POSITIVO: MENOS OFERTA NA BINANCE + SINAIS TÉCNICOS DE ALTA
As reservas de XRP na Binance caíram para cerca de 2,7 BI, um dos níveis mais baixos em anos. Mas atenção: isso NÃO é NEGATIVO é BULLISH.
Menos moedas na Binance significa menos pressão de venda, mais hodlers retirando para autocustódia e maior demanda institucional.
E para melhorar, os indicadores técnicos, on-chain e fundamentais estão começando a apontar para um possível movimento mais forte de alta.
📈 1. SINAIS APONTAM PARA ALTA
🔹XRP mostrou reação e recuperação importante, com forte força compradora após fundo recente. Alta de aproximadamente 20% desde a última mínima de novembro/25.
🔹 Na minha análise particular, a XRP está formando padrão clássico de rampagem: Acredito que se romper $ 2,25, poderá chegar a $ 2,80 de forma bem rápida.
🔹 O ETF de XRP da 21Shares tem previsão de estreia na próxima semana: parece ser plausível, mas não é 100% garantida.
🟩 CONCLUSÃO
O conjunto dos indicadores técnicos, on-chain e institucionais, aponta para um cenário estruturalmente POSITIVO para XRP. Assim espero!!!
🚀 AMERICAN EXPRESS x MASTERCARD x VISA: 3 DIFFERENT PATHS FOR STABLECOINS
When we look at the movement of payment giants towards stablecoins, AMEX ends up showing the most distinct strategy.
🟦 AMERICAN EXPRESS More cautious, strategic, and quiet approach to the market.
While Visa and Mastercard have already taken more concrete steps in the integration of stablecoins, AMEX takes a very different position: it recognizes the potential but proceeds with extreme caution.
The CEO of AMEX made this very clear: 🗣️ Official statement from the CEO:
“Stablecoins can serve as an alternative to traditional systems, such as ACH and SWIFT, but they should not completely replace these methods.”
This positioning is important because it shows that Amex sees the technological value, but is not ready to base its operation on stablecoins.
💳 The real movement of Amex today is focused on partnerships, as it is not implementing stablecoins in its backend, but is exploring the sector with very planned steps, such as:
📌 The Coinbase One Card (issued on the Amex network) • Cashback in cryptocurrencies • Benefits and rewards linked to the crypto ecosystem • Works as a “bridge” between the crypto world and the traditional system • But does not involve settlement via stablecoin within the Amex network
In other words: Amex is open to the sector, but through controlled products, maintaining total risk management, avoiding exposing its core infrastructure.
🎯 Conclusion: The 3 companies are moving towards the same future, but AMEX represents another side of institutional adoption:
🔹 more conservative, analytical, and cautious 🔹 more dependent on clear regulations 🔹 focused on controlled products 🔹 without stablecoins in the core, at least for now 🔹 testing edge products via partners, signaling support
When even Amex discusses publicly the role of stablecoins and launches crypto products through its network, it becomes VERY CLEAR that the movement is far beyond “trend” or hype.
CRYPTOFACIL
--
🚀 MASTERCARD x VISA: REAL ADOPTION OF STABLECOINS
After the previous post about Visa, I suggest reading about the other giant in the sector: MASTERCARD
Because, while Visa already integrates stablecoins into its own backend, MASTERCARD has also made progress, but in a different way.
Visa uses USDC within its global settlement operation.
Mastercard, on the other hand, is taking a more ecosystem-oriented approach.
What Mastercard is doing: • Allowed payments and acceptance of stablecoins on its global network.
• Formed partnerships with Circle, among others, to connect wallets, merchants, and issuers.
• Launched features for merchants to accept stablecoins directly.
• Created integration for payouts in stablecoins via Mastercard Move.
• Issued cards linked to stablecoins for everyday use.
In other words: Visa placed stablecoins in its backend.
Mastercard placed stablecoins in its ecosystem of products and partners, following a multi-stablecoin model with various issuers. While Visa currently operates with USDC on specific networks, Mastercard adopts a broader and more flexible approach.
Both are moving in the same direction, and the important detail is that all of this is happening almost without fanfare.
Even though it is not exactly new, I think few of us noticed the weight of this: Two of the largest payment companies in the world making real moves towards Web3. THIS IS HUGE !!!
And when these movements come from institutions of this size… it's not noise. It’s A SURE trend.
After the previous post about Visa, I suggest reading about the other giant in the sector: MASTERCARD
Because, while Visa already integrates stablecoins into its own backend, MASTERCARD has also made progress, but in a different way.
Visa uses USDC within its global settlement operation.
Mastercard, on the other hand, is taking a more ecosystem-oriented approach.
What Mastercard is doing: • Allowed payments and acceptance of stablecoins on its global network.
• Formed partnerships with Circle, among others, to connect wallets, merchants, and issuers.
• Launched features for merchants to accept stablecoins directly.
• Created integration for payouts in stablecoins via Mastercard Move.
• Issued cards linked to stablecoins for everyday use.
In other words: Visa placed stablecoins in its backend.
Mastercard placed stablecoins in its ecosystem of products and partners, following a multi-stablecoin model with various issuers. While Visa currently operates with USDC on specific networks, Mastercard adopts a broader and more flexible approach.
Both are moving in the same direction, and the important detail is that all of this is happening almost without fanfare.
Even though it is not exactly new, I think few of us noticed the weight of this: Two of the largest payment companies in the world making real moves towards Web3. THIS IS HUGE !!!
And when these movements come from institutions of this size… it's not noise. It’s A SURE trend.
CRYPTOFACIL
--
📘 How VISA is Integrating Stablecoins into its Global Infrastructure
The movement is DISCREET, but DEEP: VISA is creating a bridge between traditional finance and blockchain, allowing issuers, digital wallets, and fintechs to use stablecoins within the Visa network itself.
Visa is not just keeping up with the evolution of crypto; it is incorporating stablecoins directly into its global operation, becoming one of the first major payment companies to use blockchain in a practical and scalable way.
Visa's current strategy is clear: use $USDC for faster, more efficient international settlements at a lower cost.
Today, this process already occurs on high-performance networks like ETHEREUM and SOLANA, chosen for their security, liquidity, and speed.
In practice, this allows: ✔️ 24/7 settlement, without relying on the traditional banking system ✔️ Significant reduction in international transaction costs ✔️ Almost instantaneous remittances and corporate payments ✔️ Fewer intermediaries in the settlement process ✔️ Direct integration with fintechs, banks, and Web3 companies
So far, VISA has not expressed interest in creating its own stablecoin.
The focus is on using what already works, like USDC, and incorporating these solutions into its global payment ecosystem.
Since 2023, Visa's adoption of stablecoins shows that the future of finance could be hybrid: 🔹 part in the traditional banking system 🔹 part on blockchain 🔹 and everything connected by major players like Visa
It is a development happening behind the scenes… but today 2025, VISA paves the way for a new generation of fast, global, and completely digital payments; these operations are already part of Visa's backend, it is NOT a pilot.
📘 How VISA is Integrating Stablecoins into its Global Infrastructure
The movement is DISCREET, but DEEP: VISA is creating a bridge between traditional finance and blockchain, allowing issuers, digital wallets, and fintechs to use stablecoins within the Visa network itself.
Visa is not just keeping up with the evolution of crypto; it is incorporating stablecoins directly into its global operation, becoming one of the first major payment companies to use blockchain in a practical and scalable way.
Visa's current strategy is clear: use $USDC for faster, more efficient international settlements at a lower cost.
Today, this process already occurs on high-performance networks like ETHEREUM and SOLANA, chosen for their security, liquidity, and speed.
In practice, this allows: ✔️ 24/7 settlement, without relying on the traditional banking system ✔️ Significant reduction in international transaction costs ✔️ Almost instantaneous remittances and corporate payments ✔️ Fewer intermediaries in the settlement process ✔️ Direct integration with fintechs, banks, and Web3 companies
So far, VISA has not expressed interest in creating its own stablecoin.
The focus is on using what already works, like USDC, and incorporating these solutions into its global payment ecosystem.
Since 2023, Visa's adoption of stablecoins shows that the future of finance could be hybrid: 🔹 part in the traditional banking system 🔹 part on blockchain 🔹 and everything connected by major players like Visa
It is a development happening behind the scenes… but today 2025, VISA paves the way for a new generation of fast, global, and completely digital payments; these operations are already part of Visa's backend, it is NOT a pilot.
ACCUMULATING IN THE FALL IS NOT COURAGE… IT'S METHOD.
Even with all the uncertainty, with unexpected drops, there is a truth I cannot ignore:
👉 I still believe in the STRENGTH of our crypto market.
And it’s not blind faith. It’s experience. It’s resilience.
I don’t buy because it’s CHEAP. (but I buy more when it’s cheap…)
I buy because I believe in the future of these technologies, and because DROPS have always been part of the process before BIG movements.
I keep doing what has always worked for me:
📌 Accumulating with method means accumulating in the drops. 📌 And trying not to make impulsive decisions.
The drop is hard, yes. But it is also a GREAT opportunity.
The 10 coins I keep accumulating in the drops:
1️⃣ $BTC : pillar of my portfolio. 2️⃣ $ETC : most consolidated infrastructure of Web3 3️⃣ $XRP : proven utility, focus on liquidity and international payments. 4️⃣ SOL: ecosystem that keeps growing. 5️⃣ XLM: focused on accessible payments, fast remittances, and global financial inclusion. 6️⃣ BNB: one of the largest liquidity and utility hubs in the market. 7️⃣ LINK: essential infrastructure; without oracles, there is no DeFi. 8️⃣ TRX: wide real use and one of the largest transaction volumes in the crypto industry. 9️⃣ PENDLE: yield tokenization, strong and growing narrative. 🔟 ONDO: RWA gaining traction and one of the most serious projects in the category.
🎯 REMEMBER: those who build wealth here are never the ones who panic.
It’s those who have method. It’s those who have vision. It’s those who continue, even in turbulence.
GET READY: the next week will continue to test us!!!
Don't expect CLARITY. Don't expect CONSENSUS.
The market remains indecisive and unpredictable, and the next week should be no different.
These coming days are likely to be yet another emotional test for all of us. It's that period when no one knows anything for sure, but many PRETEND to know. . . 💡 IMPORTANT:
📉 The bottom is only obvious after it has passed. 📈 Profit only appears for those who act with method and confidence, never in impulse.
If the market is CONFUSED... It is exactly now that we need a strategy to NOT operate on emotion.
The week may come with volatility, additional drops, or a sudden recovery, and all of this is part of the game.
Zcash (ZEC) has surged in recent days and I confess: I had never dedicated myself to studying this coin and I have no position in it, UNFORTUNATELY.
But the rise caught attention:
🔒 1. Privacy on the rise The demand for truly private transactions has grown, and ZEC is apparently a reference with zk-SNARKs. "Shielded transactions" hit a record.
📉 2. Less visible supply in the market More and more ZEC is migrating to private addresses, reducing liquidity and creating a scarcity effect, for me this was the main reason for the strength of the rise.
📊 3. Technical breakouts + FOMO The chart broke long-term resistances and attracted speculation. The RSI already indicates strong overbought conditions.
🔧 4. Recent improvements in technology Studying the project, they invested regularly and increasingly in privacy resources and infrastructure updates, reinforcing the fundamentals.
⚠️ 5. But there are risks. EVERY CAUTION IS LITTLE. Privacy coins face greater regulatory risk, and very vertical movements tend to always correct.
❓ And now… is it worth entering AT THIS MOMENT?
I still DO NOT invest in ZEC.
📊 POLL: 👉 Do you recommend that we analyze ZEC for a possible entry?
The market is heavy, Bitcoin and Ethereum correcting strongly… and many people talking…
I want to share exactly how I am dealing with all of this, without any recommendations, just my personal strategy for this moment.
📌 Bitcoin $BTC
I sold almost 50% of my BTC position at around $124,000. I sold for strategy.
Now I am buying back at every new low, always following the same logic: • The price makes a new minimum → I buy. • I buy double what I sold up there. • I don’t wait for “the perfect bottom” because no one knows where it is.
It’s my way of replenishing position and, at the same time, increasing my bet on what I have believed in for years: BTC.
📌 Ethereum $ETH
Those who follow my Square know that I sold almost 100% of my ETH in the region of $4,500.
Yes, it did go up more after that and there’s always that little hint of regret.
Now I am buying back using the same strategy as BTC: • I bought at $3,000 • I bought at $2,900 • And I will continue buying at every new low, always doubling what I sold.
I don’t know where the bottom is, but I know where my convictions are.
📌 $BNB
I sold practically 100% of my BNB at this sensational high.
And, unlike BTC and ETH, I am NOT buying back here yet.
Waiting for more signals and a better opportunity.
📌 Other positions: slowly reinforcing and learning from mistakes
I remain positioned in: • XRP • XLM • ONDO • PENDLE • SOL
Here I am not buying double, because I did not sell at the top, and yes, I regret that in some coins.
But I am slowly reinforcing, always prioritizing quality, fundamentals, and long-term vision.
📌 Current sentiment
I remain very confident in the crypto market, even on days like these. In fact, especially on days like these.
For me, this is the moment to ✔️ replenish balance ✔️ improve average price ✔️ strengthen position in solid projects ✔️ act with method (not with emotion)
🌐 Conclusion of the content of the brief descriptions of 4 categories out of the 19 listed in the first post, including 3 tokens that I track from each category + approximate market cap ranking.
As the material is extensive and does not fit all categories in a single post, the content has been divided, this is the last of the series:
1️⃣6️⃣ Centralized Exchange Tokens (CEX Tokens) Native coins of exchanges, used for lower fees, loyalty programs, internal utilities, and burns.
🌐 Brief description of 7 categories out of the 19 listed in the previous post, including 3 tokens that I monitor from each category + approximate market cap ranking.
As the material is extensive and cannot fit all categories in a single post, the content has been divided:
8️⃣ Stablecoins Stablecoins mainly pegged to the dollar, used for liquidity, capital protection, and DeFi.
• USDT (Tether) – #3 • USDC – #7 • DAI – #38
9️⃣ Payments & Remittances Coins designed for fast and cheap transfers, micropayments, or use as “everyday currency”.
🔟 Data storage and indexing Projects that offer decentralized storage, data hosting, and on-chain information indexing.
• FIL (Filecoin) – #76 • AR (Arweave) – #230 • GRT (The Graph) – #144
1️⃣1️⃣ Metaverse & Games Tokens linked to play-to-earn games, virtual worlds, and digital land.
• AXS (Axie Infinity) – #285 • MANA (Decentraland) – #197 • SAND (The Sandbox) – #173
1️⃣2️⃣ RWA (Tokenization of the real world) & TradFi infrastructure Projects that tokenize assets from the traditional world (bonds, real estate, credit) or connect crypto to the financial market.
🌐 Brief description of 7 categories out of the 19 listed in the previous post, including 3 tokens that I track from each category + approximate market cap ranking.
As the material is extensive and cannot accommodate all categories in a single post, the content has been divided:
1️⃣ Layer 1 – Base Blockchains These are the fundamental blockchains of the crypto ecosystem. They are the “mother layer,” where transactions and smart contracts are executed directly.
• BTC (Bitcoin): 1 • ETH (Ethereum): 2 • SOL (Solana): ~ 6
2️⃣ Layer 2 – Scalability Solutions Built on top of a Layer 1 (mainly Ethereum), these reduce costs and accelerate transactions while preserving the security of the base network.
• OP (Optimism) – ~#130 • ARB (Arbitrum) – ~#84 • POL (Polygon/MATIC) – ~ 73
3️⃣ DeFi – Decentralized Finance (DEX, Lending, Collateral) Protocols that replace banks, brokers, and traditional financial services using smart contracts.
• UNI (Uniswap) – ~#36 • AAVE (Aave) – ~#52 • SKY (new token from MakerDAO) ~ 53
4️⃣ Oracles Protocols that bring external data (prices, rates, indices) into the blockchain, enabling advanced smart contracts.
• LINK (Chainlink) – ~#20 • BAND (Band Protocol) – ~#484 • API3 (API3) – ~ 259
5️⃣ Artificial Intelligence & DePIN Tokens related to AI, distributed computing, graphics processing, and decentralized physical networks.
• TAO (Bittensor) – ~#48 • ASI (FET/AI Alliance) – ~#121 • RNDR (Render) – ~ 40
6️⃣ Interoperability / Cross-chain Protocols that connect different blockchains, allowing networks to exchange data, liquidity, and functionalities.
7️⃣ Smart Contract Platforms (Alternative L1s) Blockchains focused on executing smart contracts with an emphasis on security, governance, and scalability.
📌 GUIDE TO THE 19 MAIN CATEGORIES OF CRYPTOCURRENCIES
Before investing in the crypto market in a conscious and assertive way, there is a step that many ignore: understanding the categories of cryptocurrencies and the real purpose of each project.
Each cryptocurrency belongs to a category: payments, infrastructure, AI, DeFi, interoperability, metaverse, RWAs, among many others.
And each category solves different problems, has different risks, and has appreciation cycles that also move in different ways.
When we understand: • what each category does, • which are the main tokens representing it, • what is the function and proposal of each project, • and what is the weight of these assets in the global ranking,
…we stop “betting” on cryptocurrencies and start investing with strategy.
This knowledge allows for building a more balanced portfolio, choosing projects with real fundamentals, and avoiding impulsive decisions based solely on “momentary trends.”
Knowing the categories is the first step to investing with awareness, criteria, and clarity; the crypto universe is not a single block but rather a huge ecosystem composed of different technologies, different objectives, and different impacts.
Below is the list of the 19 categories that I study to make my investments:
⚠️ Failures on Binance during the strong market drop
📉 During the peak of Friday's liquidation, hundreds of users reported crashes and orders that simply were not executed.
🔍 Binance itself publicly acknowledged the problem, stating that some orders failed due to "extreme volatility conditions" and that it is reviewing each case to compensate for losses that were clearly caused by platform failures, but not by normal market fluctuations.
⚠️ I myself faced difficulties during this period: some buy orders were not executed, others were not even included, and what worried me the most was the transfers from EARN to SPOT that were unavailable for a certain time.
Situations that, in times of high volatility, can make all the difference for those trying to react quickly to the market.
. 💬 During this scenario, I was quite worried and UNSURE. And you all were also affected by the instability ❓
💳 MY CARD HAS ARRIVED! Card in hand ✅ Now it's time to test it in practice.
Soon I will share here the real results to show if the card delivers on its promises and if it really makes it easier to pay with crypto in everyday life.
🚀 Let’s discover together?
CRYPTOFACIL
--
💳 New Binance Card! . 🚀 Let's test the new Binance card! . ✅ I requested my Binance credit card . Has anyone else requested it? Who is already using it, are they enjoying it??? . I would like to know what you all think. I'm curious to know if it's really worth it in daily life?
On November 22, 2025, SWIFT will RETIRE the old banking MESSAGE system (MT) and operate 100% on the new ISO 20022 standard; the same messaging protocol with which the XRP Ledger (XRPL) is compatible.
📩 What actually changes
ISO 20022 is a messaging standard used to communicate data between financial institutions with much more detail and security.
The change does NOT alter the SWIFT settlement network model, only the way data is transmitted.
. ⚙️ And what does this mean for XRP?
👉 Neither salvation nor threat. $XRP is already ready to interact with the ISO 20022 standard, which facilitates future integrations with banks and liquidity solutions.
But this does not guarantee automatic adoption, it only places XRP among the projects technically compatible with the new global model.
. 💡 In summary: • SWIFT will standardize how banks communicate, not where they settle payments;
• XRP remains well positioned, but continues to compete with stablecoins and permissioned networks;
• Success will depend on liquidity, regulation, and institutional partnerships, not just technical compatibility.
. 📊 My Considerations:
ISO 20022 paves the way for real interoperability in the global financial system.
XRP has the right profile, but the market still needs to mature for this bridge to be truly used on a large scale.
Voices believe that we will still see $BNB below $800 in 2025? Or never again?
Binance News
--
BNB News: BNB Surpasses XRP to Become the Third-Largest Cryptocurrency by Market Cap
Key Takeaways:BNB’s market capitalization surged to $177.97 billion, surpassing Tether (USDT) at $177.55 billion, according to CoinGecko.The token rallied 4.7% in 24 hours, reaching an intraday high of $1,275.66 — its strongest performance in months.The BNB Chain saw record network activity, with total value locked (TVL) on the Aster Protocol rising 570% to $2.34 billion.Institutional demand and ecosystem upgrades continue to fuel BNB’s rise as the broader crypto market surpasses $4.23 trillion in total capitalization.BNB has overtaken XRP to become the third-largest cryptocurrency by market capitalization, data from CoinGecko shows.As of October 7, BNB’s market value stands at $177.97 billion, narrowly exceeding XRP’s $177.9 billion. The milestone came as BNB’s price climbed 4.71% in the past 24 hours to $1,275.66, driven by a surge in trading activity, institutional inflows, and expanding on-chain participation. BNB Chain Activity Hits Multi-Month HighsAccording to TokenTerminal and DeFiLlama, the BNB Chain has regained its position as the most-used blockchain by active addresses, surpassing Solana and Ethereum. This growth coincides with a massive spike in decentralized trading and lending, particularly on the Aster Protocol, where TVL skyrocketed 570% to $2.34 billion.At the same time, Binance’s ongoing Web3 integration efforts — including its Alpha Points programs, wallet events, and Launchpool campaigns — have drawn users back into the BNB ecosystem. The network’s recent gas fee reduction to 0.05 Gwei has further strengthened user retention and developer adoption.Institutional Demand and Macro SupportInstitutional investors continue to accumulate BNB amid growing confidence in its long-term utility and deflationary supply model. Several regional investment funds, including those in Kazakhstan and Southeast Asia, have reportedly added BNB to their digital asset portfolios.Market sentiment has also benefited from expectations that the Federal Reserve will cut interest rates later this year, reinforcing capital flows into risk assets and large-cap cryptos.BNB vs. Bitcoin, Ethereum, and the Broader MarketWhile Bitcoin (BTC) remains dominant at $124,131 with a market capitalization of $2.47 trillion, and Ethereum (ETH) trades around $4,681 with a $565 billion market cap, BNB’s climb past Tether underscores investor preference for utility-driven assets rather than stablecoin exposure.The total crypto market capitalization has now reached $4.23 trillion, with Bitcoin’s dominance at 58.3% and BNB strengthening as a key altcoin leader.
💳 The banking path of cryptos is starting to gain momentum.
• Ripple's request for a national banking license in the USA is still pending, but the topic gained traction this week.
• COINBASE also submitted a trust charter application to the OCC on 10/06, showing that the "banking path" for crypto companies is heating up.
• This movement indicates that the major players in the sector want to operate under direct federal licensing, seeking credibility and institutional integration.
Even without an official decision, the mere fact that Ripple and Coinbase are moving in this direction is already an important milestone and could redefine how cryptos connect to the financial system in the near future / next few months.
📈 Strong RISE movement of $BTC this dawn, breaking historical MAXIMUM! BEAUTIFUL!
I haven't found any new or specific trigger disclosed until now that justifies this rise of BTC this dawn of Saturday and Sunday.
If anyone has knowledge of any relevant fact, I kindly ask you to share in the comments 👇
💬 Normally, on weekends, for a strong movement to occur, something impactful is needed, such as a large on-chain movement, atypical entries, or a macroeconomic event off the radar.
💳 New Binance Card! . 🚀 Let's test the new Binance card! . ✅ I requested my Binance credit card . Has anyone else requested it? Who is already using it, are they enjoying it??? . I would like to know what you all think. I'm curious to know if it's really worth it in daily life?
🔥 The crypto market has just reached a new level of recognition.
📈 ETF of $XRP (XRPR) DEBUTS TODAY, on 18/09/2025 at the Cboe BZX Exchange (Chicago Board Options Exchange Global Markets)
🇺🇸 XRP ETF has arrived in the USA: The REX-Osprey XRP ETF (ticker XRPR) is officially listed and starts trading today, 18/09/2025, at the Cboe BZX Exchange.
👉 This marks a turning point for XRP: • More institutional access 🏦 • Greater regulatory legitimacy ⚖️ • Potential for global liquidity 🌍
. 📊 POLL: With the debut of the XRP ETF (XRPR) today in the USA…