Attention this is pure history! SoFi (the largest digital bank in the United States and leader in online loans) has just launched SoFiUSD, a stablecoin backed 1:1 by real dollars held directly in the Federal Reserve. The incredible thing is that it is the first national bank with FDIC insurance to launch its own currency on a public blockchain.
What is the difference with other stablecoins?
Unlike Tether (USDT) or USDC, which are issued by crypto companies, SoFiUSD comes from a regulated bank. This gives it a brutal layer of trust for companies that want to move money quickly (24/7) without the delays of the traditional system. It's like having the security of a traditional bank but with the speed of a crypto.
🔖 What SoFi is doing is building the "pipelines" for the future of money. By allowing other companies to use its infrastructure, they are opening the door for any fintech to have its own digital currency legally.
Although for now it is for internal use, it will soon reach all its members. This tells us that the fight is no longer "Crypto vs Banks," but who better integrates the technology. While JPMorgan uses private networks, SoFi launches into the public network so that everyone can participate.
Do you think this will make people trust stablecoins more or do you prefer to stick with the usual options?
1. BANKS: I prefer regulated backing. 2. CRYPTO: I prefer independent coins. 3. DIVERSIFY.
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The latest U.S. employment report presents a mixed picture. Non-farm payrolls added +64K in November, surpassing the forecast of +50K. However, the unemployment rate rose to 4.6%, its highest level since 2021.
🔍 Key Analysis:
· Noisy data: The drop of -105K in October and downward revisions from previous months show a weaker labor market than expected. · Message for the Fed: With moderate wage growth (+3.5% year-on-year) and rising unemployment, inflationary pressure from the labor market is moderating. This could give the Fed room to maintain a more flexible stance, although markets are currently discounting a new cut in January.
$BTC In 2026 1 BTC at 200K $...!!! (?) as some economists claim.
The November payroll data reinforces the narrative of a labor market clearly cooling (negative employment in October, unemployment at a 4-year high). This is crucial for cryptocurrencies due to its impact on Federal Reserve policy.
The transmission channel is key:
1. Weak data → Reinforces the "dovish" narrative (bearish on rates) for the Fed. 2. Higher expectations for cuts → Outlook for greater liquidity in the system and lower returns on traditional assets. 3. This environment has historically been a tailwind for risk assets like Bitcoin in the medium term, improving global sentiment.
However, there are important nuances:
· The report itself is distorted by the government shutdown, so the Fed may downplay it. · The market is currently betting heavily (75%) that the Fed will keep rates unchanged in January. A number like this does not change that short-term perception, but it lays the groundwork for later moves.
The conclusion is that, although post-NFP volatility may be bearish, the macro outlook it paints could be constructive for crypto over a broader horizon.
The delayed labor market data from the U.S. is here, and the crypto market has had a clear immediate reaction.
The key data was mixed:
· +64K jobs were added in November (above the +50K expected), but this follows a drop of -105K in October. · The unemployment rate rose to 4.6%, its highest level since 2021.
Impact on Crypto: After the release, Bitcoin (BTC) gave up its minor gains and fell, approaching the $87,000 range. This movement reflects a clear risk aversion in the short term, where traders "sell the news" in the face of an uncertain economic outlook.
The reaction suggests that, despite the data pointing to a cooling labor market (which could favor rate cuts), the immediate concern over a potential economic slowdown has weighed more than the optimism for future liquidity.
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$KITE The token $KITE ** is trading today at **$0.0797, registering an increase of +1.4% in the last 24 hours. The trading volume exceeds $24.5M**, showing constant interest. After a weekly correction, the price is moving between **$0.0771 and $0.0825, seeking to stabilize. An opportunity to closely follow its performance in the market.
The token $FF shows a bullish momentum today, rising to approximately $0.1178 with a gain of 1.4% in 24 hours. The trading volume remains solid at ~$20M, indicating consistent interest. This positive activity follows the innovative integration of tokenized gold in the platform's staking products. The universal collateral infrastructure of Falcon continues to attract attention!
Displays the AT token in a lateral range, consolidating after a recent rally. The volume has decreased, indicating possible accumulation. Key indicators show neutral momentum as the market assesses its next move. A breakout above resistance could trigger a new bullish momentum. Stay alert, community! 📈
Today, the token $INJ shows a bullish momentum, trading around **$5.40** with a +5.63% in the last 24 hours.
The volume exceeds $91M, reflecting a growing interest. This movement coincides with the ongoing innovation of the Injective ecosystem in DeFi and project launches. To stay updated with upcoming news, be sure to check the Creator Pad.
· 🔷 Persistent inflation: The Fed attributes the inflationary surge mainly to the impact of trade tariffs, although it expects it to be a "one-time" price increase. · 🔷 Leadership change: Powell's term ends in May 2026. President Trump has indicated that he would prefer a successor willing to cut interest rates immediately, which adds a political variable to future monetary policy. · 🔷 Liquidity injection: Alongside the cut, the Fed announced that it will start purchasing Treasury bonds for $40 billion to maintain liquidity in the system, a measure that some analysts see as a "stealth stimulus".
The announcement, considered a "restrictive tone rate cut" (hawkish cut), disappointed investors who were hoping for a commitment to greater stimulus. The reaction was a widespread sell-off:
🔹 Bitcoin (BTC): Fell below the $90,000 level, with a weekly decline of more than 2.5%. 🔹 Ethereum (ETH): Showed greater sensitivity, with a drop of more than 4% in 24 hours. 🔹 Altcoins: Cryptocurrencies like Solana (SOL) and Cardano (ADA) recorded weekly losses of between 6% and 8%.
The decline was driven by the liquidation of leveraged positions and reflects a recalibration of expectations: the market anticipated a more aggressive easing cycle, but the Fed projects a slower and more controlled path.
The Federal Reserve (Fed) announced on December 10 its third consecutive interest rate cut, a decision that triggered an immediate and negative reaction in the cryptocurrency market.
📉 Key decisions of the Fed
In a meeting marked by internal disagreements, the Federal Open Market Committee (FOMC) reduced the benchmark interest rate by 0.25 percentage points, placing it in a range of 3.5% to 3.75%. The vote was not unanimous, recording three votes against, the largest division since 2019.
The message from Jerome Powell, chairman of the Fed, was cautious. He indicated that, after three cuts this year, the central bank is in a good position to "wait and observe" the evolution of the economy. Official projections indicate that only one more rate cut is expected for all of 2026, a slower pace than some markets had anticipated.
The December meeting confirmed a shift in monetary policy, but with a more moderate tone than risk markets expected.
In the short term, this stance may keep volatility high in cryptocurrencies, whose prices will remain very sensitive to expectations about global liquidity and economic data.