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Ripple CEO Brad Garlinghouse has made it clear that Ripple is not partnering with SWIFT, the global messaging system considered the backbone of cross-border banking. According to a clip at an old Ripple Swell event now circulating among XRP investors on the social media platform X, Garlinghouse emphasized that Ripple is not working with SWIFT but instead aims to replace it. This comes as Ripple is starting to increase its global push, expanding partnerships with banks and financial firms while also securing a new US patent on instant cross-border payments.

Ripple Targets SWIFT’s Flaws

Garlinghouse pulled no punches as he detailed the shortcomings of SWIFT’s infrastructure, describing it as slow, costly, and prone to human error. “SWIFT has a reported error rate of 6%,” he noted, citing insights from a Fortune 50 CFO who observed an even higher 11% failure rate in their company’s cross-border transactions. These failures often demand manual intervention, leading to delays and unnecessary costs.

However, Garlinghouse pointed to an even deeper flaw in the traditional system with trapped liquidity. According to him, estimates from major consulting firms suggest as much as $10 trillion is currently locked in nostro accounts worldwide just to support the existing correspondent banking model. Ripple, through XRP and its On-Demand Liquidity (ODL) solution, aims to unlock this capital. 

In a move that backs this ambition, Ripple recently secured a US patent for trust-based, instant cross-border payments, which is a system that does not require full network confirmation to execute transactions. This innovation could allow XRP to fully bypass the delays inherent in legacy systems, further making it a serious replacement for SWIFT.

Ripple’s Global Network Expanding

Ripple’s global expansion tells its own story. Banks in the Philippines, Brazil, India, Mexico, and the UAE have already adopted Ripple’s solutions, with XRP being used to facilitate real-time international settlements without the need for pre-funded accounts.

However, Ripple isn’t the only player progressing, as SWIFT also seems to be stepping up. In response to blockchain challengers like Ripple, SWIFT has teamed up with Chainlink to improve its infrastructure. 

SWIFT’s partnership with Chainlink is looking to take advantage of Chainlink’s Cross-Chain Interoperability Protocol (CCIP) for transfers of tokenized assets across multiple blockchains. 

The financial messaging giant has already run pilot programs, including one with UBS Asset Management, that show promise in bringing blockchain capabilities into the legacy system. These developments show that SWIFT is not ready to cede its position, but the company is only now reacting to a race that Ripple has already been running for years.

On the other hand, Brad Garlinghouse also stated in a recent summit that Ripple is aiming to take over SWIFT’s customer base. Particularly, the company is aiming to take over at least 14% of SWIFT’s current cross-border volume within the next five years.

The White House released a detailed crypto report on Wednesday that outlines a comprehensive framework for regulating and advancing digital assets in the United States. 

This initiative is part of President Donald Trump’s broader commitment to establish the US as the “crypto capital of the world.” However, ABC News has found that the report notably lacks information on a contentious proposal to create a federal digital asset stockpile.

Report Urges Regulators To Clarify Crypto Rules

In a briefing with reporters, officials emphasized the report’s potential to guide policymakers in ensuring the United States leads in blockchain technology. “By implementing these recommendations, policymakers can usher in the Golden Age of Crypto,” they stated.

The report offers a range of recommendations aimed at structuring cryptocurrency markets and clarifying regulatory roles among federal agencies, particularly the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC). 

It urges these regulators to provide immediate clarity on critical issues such as registration, custody, trading, and recordkeeping, advocating for a streamlined approach that would facilitate the introduction of innovative financial products to consumers without bureaucratic delays.

Additionally, the report calls on Congress to enact laws that embrace Decentralized Finance (DeFi) technologies and recognize their potential in mainstream finance. 

It also emphasizes the need to modernize anti-money laundering (AML) regulations to combat illicit activities associated with cryptocurrency networks.

Federal Bitcoin Reserve Plans Remain Unclear

Reactions from industry insiders have been largely positive, with many viewing the report as a pivotal step toward legitimizing digital asset markets. 

James Butterfill, head of research at CoinShares, described the document as “highly ambitious,” noting its strong endorsement of digital assets. 

However, he cautioned that the report’s success hinges on bipartisan legislative support, effective regulatory execution, and a careful balance between freedom, innovation, and financial integrity.

Despite the optimism, some industry leaders had expected the report to shed light on plans for a federal Bitcoin reserve, a topic that was conspicuously absent. 

During the press briefing, a White House official indicated that infrastructure for this initiative is being developed, with more information anticipated soon.

Featured image from DALL-E, chart from TradingView.com

Since the beginning of July, Ethereum has been on a bullish trajectory, experiencing an over 54% increase in the past month. After breaking past key resistance levels, the second-largest crypto asset appears to have found stability above the $3,700 mark. While ETH has displayed a powerful rally over the past weeks, major investors have been turning up at a rapid rate.

Large Ethereum Investors Are Expanding

Ethereum’s price has displayed robust resilience, holding strong above crucial resistance levels such as $3,700. Its notable resilience is now being backed by a steady increase in large investors often regarded in the crypto sector as whales.

The rise in whale wallet addresses holding large amounts of ETH was reported by Santiment, a leading market intelligence and on-chain data platform, on X. This growth indicates a renewed wave of confidence from high-net-worth investors towards the altcoin leader.

With institutional and high-net-worth participants reentering the market, these cohorts might be anticipating a more widespread rebound or a tactical shift in ETH’s long-term worth. It might indicate a turning point in the course of ETH’s current upward action.

Santiment revealed in the research that Ethereum whales are growing while Bitcoin whales are decreasing. This analysis of the behavior and interests of large investors, conducted by the on-chain firm, spans a period of two weeks.

Data from the platform shows that the number of big wallet addresses holding at least 10,000 ETH has increased by an additional 90 wallets in the last 2 weeks. The additional wallet addresses reflect an over 8% growth within the time frame.

Ali Martinez, a market expert and trader, offering more insight on ETH’s whale action, has highlighted a massive accumulation among these cohorts. His investigation is centered around wallet addresses holding between 10,000  and 100,000 ETH.

According to the expert, some of the biggest whales have purchased more than 220,000 ETH on the network in the last 2 days. At current price levels, this massive ETH accumulation is valued at around $840 million.

This quiet accumulation reflects that major investors are becoming more confident in Ethereum’s prospects and the ongoing upward trend. Since the growing accumulation of ETH coincides with rising prices, this action may imply that major investors are positioning themselves ahead of a possible market breakout.

Trump’s World Liberty Buying ETH Again

A recent report from Lookonchain reveals that World Liberty Financial (WLFI), a crypto venture linked to United States President Donald Trump, has resumed its ETH purchase. The crypto venture bought about 256 ETH, valued at $1.01 million at the time of purchase.

With this latest purchase, WLFI has further fortified its ETH exposure. Presently, World Liberty Financial has acquired a total of 77,226 ETH, worth approximately $296 million at an average price of $3,294. Furthermore, the venture is sitting on an unrealized profit of $41 million.

Bitcoin experienced a wave of volatility following the news that Galaxy Digital executed one of the largest notional Bitcoin sales in history—an 80,000 BTC transaction on behalf of a long-term client. The announcement, made in a press release on July 25, confirmed that the sale was successfully completed and immediately sent shockwaves through the market.

The scale of the transaction drew widespread attention, sparking intense speculation across the crypto space. While Galaxy Digital emphasized the professional execution and strategic nature of the sale, the sheer volume involved created uncertainty around short-term price direction. Traders reacted quickly, causing sharp fluctuations in Bitcoin’s price as market participants weighed the implications.

With sentiment swinging between caution and confidence, Bitcoin’s response to this historic sale could define its near-term trend—and provide insight into how the market handles high-volume exits in a maturing ecosystem.

Bitcoin Absorbs Selling Pressure

According to top analyst Axel Adler, the market is steadily digesting the recent 80,000 BTC distribution executed through Galaxy Digital. Following the transaction, the Net Realized Profit/Loss (NRPL) metric, which tracks aggregate realized gains and losses on-chain, surged to a cycle high of $3.2 billion. However, Adler notes that this figure has now cooled to $1.4 billion, signaling that initial profit-taking may have peaked.

Despite the scale of the distribution, Bitcoin’s price has shown remarkable stability. This suggests that the market is absorbing the newly circulated supply without significant downside pressure, a sign of underlying strength and demand. Still, Adler cautions that the NRPL remains elevated, meaning the distribution phase may not be over yet. As long as realized profits stay above baseline levels, further selling pressure could persist in the background.

Meanwhile, futures market data reveals that bears are attempting to regain control. With open interest rising and short positioning increasing slightly, some traders are aiming to push BTC toward the $110,000 level—a psychological and technical support zone. While bulls maintain structural dominance for now, these attempts may create short-term volatility.

If Bitcoin continues to absorb supply without major breakdowns, it could reinforce the bull case. However, if NRPL stays high and futures-driven pressure intensifies, the market may face a deeper pullback before the next leg up. For now, Bitcoin remains at a crossroads, balancing strong demand with persistent distribution.

BTC Holds Range As Momentum Stalls

Bitcoin continues to trade within a well-defined range, with price currently sitting at $118,182.62 on the 4-hour chart. The consolidation zone is clearly marked by resistance at $122,077 and support at $115,724. After multiple failed attempts to break above $122K, BTC has settled into sideways movement, reflecting a temporary balance between buyers and sellers.

The 50, 100, and 200 SMAs—now tightly aligned between $114,000 and $118,000—suggest that momentum is neutral, with short-term trend direction unclear. Price is currently hovering just below the 50 and 100 SMAs, indicating slight bearish pressure, but not enough to trigger a major breakdown. Volume has remained relatively low throughout this phase, reinforcing the consolidation structure.

Bulls continue to defend the $115.7K support level, but the lack of follow-through on breakouts above $120K is starting to erode short-term confidence. Bears may attempt to push the price lower, especially with futures positioning indicating a slight advantage on the downside.

Featured image from Dall-E, chart from TradingView

The Shiba Inu meme coin has been among some of the best performers after rising over 25% in the month of July so far. This seems to have set it on a course for higher prices as it moves to possibly retest yearly highs. However, not everyone is completely bullish and convinced about the potential breakout opportunity of Shiba Inu. One crypto analyst in particular doesn’t see the altcoin going much higher and has predicted a major crash coming.

Shiba Inu Could Crash Back Down Again

In the analysis posted on Tradingview, the pseudonymous crypto analyst points out the fact that the Shiba Inu price is currently trading at a major resistance zone. At the time of the analysis, the price was trending at $0.000014 and had set its sights on the resistance above $0.00001432. This made it the level to beat, and alternatively, it is where the bears have been mounting their counterattack.

As the analyst explains, the Shiba Inu price being so close to this level suggests that a resistance and possible bear down is coming. In this bearish scenario, the crypto analyst does see the price failing from here, leading to a minor bounce back and eventual crash back to previous support levels.

Going by the analyst’s charts, the Shiba Inu price is likely to dump back to $0.00001299, where there is more support for the meme coin. All of this is charted on the 2-hour timeframe, suggesting a short-term turnaround for this bearish thesis.

However, on the flip side, if the Shiba Inu price does successfully beat the second resistance, then it could invalidate the analyst’s bearish thesis. A continued uptrend in the crypto market will likely drag the Shiba Inu price along with it, leading to higher highs on the 2-hour timeframe as a result.

SHIB Volume Stays Muted

Amid the calls for a crash, the Shiba Inu trading volume has remained quite muted during this time. Although it has seen some increase in July from its June lows, the volume has declined toward the end of June. At an average of $180 million daily trading volume, it suggests that interest in the meme coin is still low among crypto traders.

A similar trend is seen in its open interest, which has fallen below the $300 million mark once again. As crypto investors turn toward newer meme coins for the possibility of more upside, the Shiba Inu price could remain muted for a longer period of time.

Bitcoin mining giant Marathon Digital Holdings (MARA) has exceeded Wall Street expectations with a 64% year-over-year revenue increase to $239M, coupled with a remarkable 505% surge in net income.

Such success is mainly due to its aggressive Bitcoin accumulation. A $1.2B unrealized gain from BTC’s 31% Q2 rally contributed to MARA’s profit of over $808M—a remarkable recovery compared to its staggering $200M loss in Q2 2024.

As MARA expands its Bitcoin mining technology and leverages the #1 crypto, developers are racing to unlock the network’s next utility phase.

This is where Bitcoin Hyper stands tall. By Q3 2025, this top trending crypto project promises to bring super speedy and cost-friendly transactions to the Bitcoin blockchain.

MARA Snags 50K $BTC, Becomes Bitcoin’s #2 Whale

The market responded quickly to MARA’s Q2 results. Yesterday, the company’s shares jumped by 7.5% in after-hours trading to $17.82. It has since evened out at $16.61.

Still, when checking out its big $BTC bucks, MARA shows no signs of slowing down. Shortly after Q2 wrapped, MARA’s Bitcoin holdings surpassed 50K $BTC.

Its $BTC holdings have surged 170% year-over-year to 49,551 $BTC, valued at around $5.3B by the end of June. Since then, it has climbed to $5.87B, making MARA the second-largest $BTC holder, right behind MicroStrategy, which holds a substantial $BTC stash exceeding $71B.

But as institutional interest in $BTC increases, there’s a hitch: The network isn’t designed for speed, scalability, or smart contracts.

Thankfully, Bitcoin Hyper’s getting set to solve such woes.

Bitcoin Hyper to Soon Solve Bitcoin’s Limitations

As a highly scalable Layer 2 solution, Bitcoin Hyper ($HYPER) is the upgrade Bitcoin needs. When launched in Q3 2025, it aims to make Bitcoin faster, cheaper, and support smart contracts.

By strategically utilizing the Solana Virtual Machine (SVM), the Layer 2 vows to be as fast as the Solana network while maintaining Bitcoin’s steadfast security.

But it’s not just about fast and cost-friendly payments. Bitcoin Hyper aims to bring new utility to the Bitcoin network, including dApps, the best meme coin launches, and real-world asset tokenization.

Supporting real-world asset tokenization is a major boon; the market recently topped $24B as more Wall Street giants dive in to digitize treasuries, private credit, and even real estate on-chain.

Bitcoin Hyper has what it takes to become a key player in the next wave of institutional blockchain adoption.

At the heart of it all is a Canonical Bridge (similarly used by Arbitrum and Linea), which allows you to move $BTC back and forth between the Bitcoin Layer 2 and Layer 2—all while facilitating smart contract functionality.

However, you’ll want to purchase $HYPER to get the most out of Bitcoin Hyper. Already, it has raised $5.8M+ over granting governance rights, lower gas fees, and staking rewards at a 175% APY.

Verdict – $HYPER Could Become the Real Winner

As Bitcoin draws more institutional investors and MARA rides the wave, the Bitcoin network’s limitations need to be addressed more than ever.

Thankfully, Bitcoin Hyper is set to provide a much-needed upgrade to Bitcoin during increased demand.

You can join the movement by purchasing $HYPER on presale for just $0.01245. And there might not be a better time to do precisely that for possible 2,470% gains—once the Layer 2 officially launches, it’s anticipated to reach $0.32.

This isn’t investment advice. DYOR and don’t invest more than you can afford to lose.

Il celebre educatore finanziario e autore del best-seller Padre Ricco, Padre Povero, Robert Kiyosaki, ha lanciato un duro avvertimento sulle condizioni dell’economia statunitense. Secondo lui, gli Stati Uniti sarebbero pericolosamente vicini a rivivere un collasso finanziario simile a quello della Grande Depressione del 1929 — un campanello d’allarme per tutti coloro che hanno investito i propri fondi pensione in azioni o obbligazioni.

“Grande Depressione in arrivo”: i segnali preoccupanti secondo Kiyosaki

In un recente post pubblicato sulla piattaforma X, Kiyosaki ha criticato duramente le politiche fiscali adottate dal governo statunitense, definendo l’America “la più grande nazione debitrice della storia”. Ha inoltre sottolineato che il continuo ricorso alla stampa di moneta per coprire il debito pubblico non potrà durare all’infinito e che i limiti di questo approccio stanno per essere raggiunti.

Buffett e Rogers vendono azioni e obbligazioni: un segnale da non ignorare

Kiyosaki ha invitato gli investitori a osservare attentamente le scelte di grandi nomi della finanza come Warren Buffett e Jim Rogers, entrambi noti per aver ridotto drasticamente la loro esposizione su azioni e obbligazioni. I due, riferisce Kiyosaki, ora preferiscono detenere liquidità e argento, proteggendosi da eventuali scossoni nei mercati finanziari.

“Se non sapete perché Buffett e Rogers hanno venduto le loro azioni e obbligazioni, fareste bene a scoprirlo,” ha scritto l’autore.

Bitcoin come copertura: l’ancora di salvezza in un sistema che vacilla

Tra le strategie che Kiyosaki afferma di seguire personalmente, spicca l’investimento in oro, argento e Bitcoin. Se i metalli preziosi sono da sempre considerati “beni rifugio” in tempi di crisi — come dimostrato durante il crollo del sistema di Bretton Woods o la crisi finanziaria del 2008 — la presenza del Bitcoin nella sua strategia rappresenta un cambiamento significativo.

L’inclusione della criptovaluta mostra come anche gli investitori più tradizionali stiano iniziando a vedere in Bitcoin una valida alternativa di protezione in un contesto economico incerto.

Kiyosaki: “Bitcoin arriverà a un milione di dollari” – Sempre più visto come rifugio contro la crisi

Non è la prima volta che Robert Kiyosaki indica il Bitcoin come una copertura finanziaria contro le crisi economiche. Secondo l’autore di Padre Ricco, Padre Povero, un giorno il Bitcoin potrebbe arrivare a valere 1 milione di dollari per unità. Tuttavia, la sua fiducia nella criptovaluta assume un peso ancora maggiore nel contesto di un possibile crollo in stile Grande Depressione.

Bitcoin, da scommessa speculativa a bene rifugio contro l’inflazione

Negli ultimi due anni, la crescita di Bitcoin ha trasformato la narrativa: da asset altamente speculativo a possibile bene rifugio contro l’inflazione. Un esempio emblematico è la mini-crisi bancaria statunitense del 2023, durante la quale Bitcoin ha registrato una crescita di 10 volte superiore rispetto all’oro.

Nel corso dell’ultimo anno, la criptovaluta ha stabilito diversi record storici e oggi rappresenta l’asset con la migliore performance tra le principali classi di investimento, secondo vari indicatori economici.

Bitcoin supera oro e argento anche nel lungo periodo

Un recente rapporto pubblicato dalla Banca Centrale della Russia evidenzia come, fino a oggi nel 2025, Bitcoin abbia superato in rendimento gli investimenti più tradizionali, tra cui oro e argento. In particolare, dal 2022 a oggi, Bitcoin ha registrato un ritorno cumulativo superiore a quello dei metalli preziosi.

Al momento della stesura di questo articolo, Bitcoin viene scambiato a 117.983 dollari.