Market Signal Briefing

Caliber's stock has swung sharply since adopting its Chainlink-focused treasury strategy, soaring in August before falling back under $4.

The cryptocurrency market remains in the doldrums with bearish sentiment driving major tokens, including Bitcoin (BTC) and Ethereum (ETH), into the red. The crypto market cap is down over 1% at $3.79 trillion, with selling pressure dominating market sentiment. Nearly all tokens traded deep in the red over the past 24 hours, with very few exceptions. BTC, which briefly reclaimed the $112,000 level, failed to maintain momentum, briefly plunging below $110,000 for the second time this week and dropping to a low of $109,819. However, it has recovered to reclaim $111,000 and is moving to its current level. Despite the recovery, BTC is down almost 1% over the past 24 hours, trading around $111,571. 

Meanwhile, ETH is struggling to stay above $4,000 and briefly fell below this level to a low of $3,942 before recovering. The altcoin is down nearly 2% over the past 24 hours, trading around $4,050, with sellers in control. Ripple (XRP) is down almost 2%, while Solana (SOL) is down nearly 4%, trading around $196. Dogecoin (DOGE) is down 2%, and Cardano (ADA) is down 2.30%, trading around $0.678. Chainlink (LINK) is trading around $18.39, while Stellar (XLM) is down 2.50% and Hedera (HBAR) is down over 3%, trading at around $0.181. Litecoin (LTC), Toncoin (TON), and Polkadot (DOT) also registered substantial declines over the past 24 hours. 

Glassnode analysts revealed that the latest market downtrend was largely due to trade tensions between the US and China. The analysts also noted that ETF inflows had weakened, indicating that institutional demand has been affected. 

Bitcoin Whale Transfers 2,000 BTC To 51 Wallets A long-dormant Bitcoin (BTC) whale has resurfaced to transfer 2,000 BTC, worth $222 million at current prices, into new wallets in what appears to be a carefully coordinated move. Blockchain data from Arkham Intelligence revealed that the coins were distributed across 51 new addresses. 50 wallet addresses received 37.576 BTC, while one wallet received 121.18 BTC. The transfers are the first significant movement of the funds in years, and originate from an address tied to Bitcoin’s early years. The structure distribution of the BTC indicates a deliberate, coordinated move rather than a spontaneous transaction. Analysts believe the whale is reorganizing or securing their holdings. However, the timing of the transfers has raised concerns as BTC struggles to regain momentum after Friday’s crash. 

Long-dormant whales from the flagship cryptocurrency’s early days generally awaken for profit-taking. BTC’s value has risen sharply since its early days, and such movements could mean the whale is preparing to offload a part of their holdings. 

Tether Settles With Celsius For $300M Tether, the entity behind the USDT stablecoin, has agreed to pay the Celsius Network Bankruptcy Estate $299.5 million to resolve claims associated with the crypto lender’s 2022 collapse. The settlement was announced on Tuesday by the Blockchain Recovery Investment Consortium (BRIC), a joint venture between VanEck and GXD Labs. The settlement concludes a years-long dispute over BTC collateral transfers and liquidations leading up to Celsius’s high-profile bankruptcy in 2022. 

Celsius has sued Tether, alleging that the stablecoin issuer improperly liquidated BTC collateral that secured loans in USDT. According to Celsius, Tether sold the collateral when the value of BTC closely matched the value of Celsius’s debt, wiping out its position and contributing to its insolvency. The settlement is only a fraction of the roughly $4 billion in claims that Celsius sought in court. The bankruptcy court approved a broader lawsuit against Tether in July 2025. However, it remains unclear how this settlement will impact those proceedings. 

Bank Of England Clarifies Plan Limiting Stablecoins Is Temporary Bank of England Deputy Governor Sarah Breeden has clarified that the central bank’s plan to restrict stablecoins is a temporary measure for financial stability. The proposed stablecoin limits were first mooted in a discussion paper as a means to ensure financial stability. However, industry groups opposed the measure, claiming it would stifle innovation and limit growth. However, Breeden clarified during a speech at the DC Fintech Week that the limits were a temporary measure and will eventually be removed. 

“So let me be clear. We would expect to remove the limits once we see that the transition no longer threatens the provision of finance to the real economy.”

Breeden also revealed that the Bank of England plans to launch a consultation paper before the end of the year, seeking feedback on the limit levels and a clear path for implementation. 

“We will be consulting in the coming weeks on the details of our proposed regime for sterling stablecoins used in systemic payment systems, and we’ll be open to feedback as we finalize our rules.”

BitMine Adds To Ethereum Treasury BitMine has added another $417 million worth of ETH to its corporate reserves. The latest purchase of 104,336 ETH takes the company’s total holdings to over 3 million ETH. The purchase was made over seven hours and distributed between three new wallets through transfers from Kraken and BitGo. BitMine now holds over 2.5% of the total ETH supply, and has accumulated 300,000 ETH over the past week alone. 

The latest acquisition is in line with the firm’s strategy of aggressive buying during market pullbacks. BitMine Chairman Tom Lee described the strategy as buying assets at a “substantial discount to the future.” The company hopes to position itself as a major force in the Ethereum ecosystem and views ETH as a crucial institutional asset. 

Bitcoin (BTC) Price Analysis Bitcoin (BTC) is marginally up during the ongoing session but struggling to regain momentum and push above $112,000. The flagship cryptocurrency started the week with a marginal increase, but fell to an intraday low of $109,945 on Tuesday as selling pressure returned. It recovered from this level to reclaim $113,000 and settle at $113,068, ultimately dropping 1.91%. Selling pressure persisted on Wednesday as BTC fell 2% to $110,804. The price fell to an intraday low of $108,500 during the ongoing session, but has recovered to reclaim $111,000 and trade around $111,606. 

Despite the selling pressure, BTC maintained its position above $110,000 thanks to strong spot demand from US-based investors. The Coinbase Premium Index, which tracks the price difference between BTC on Coinbase and other global cryptocurrency exchanges, has also remained positive despite the recent sell-off. The index surged to 0.18, its highest level since March 2024, indicating that spot bids were being filed between $100,000 and $110,000 despite market panic and uncertainty. When the Coinbase Premium Index is positive, it indicates sustained buying interest, reinforcing near-term market resistance. 

Data from CryptoQuant supports the positive narrative, highlighting rapid accumulation among short-term holders (STHs), specifically among wallets holding BTC for less than a month. STH supply jumped from 1.6 million BTC to 1.89 million BTC following the market crash, indicating aggressive dip buying. However, older BTC holders have also started moving their assets. According to the available data, around 7,343 BTC that had been dormant for two to three years were reactivated and moved on-chain. Analysts believe these long-term holders could be taking profits or repositioning their holdings. 

Crypto analyst Maartunn highlighted that Binance’s net-taker volume indicated selling pressure, while the short-term holder Spent Output Profit Ratio (STH-SOPR), an indicator that measures if recent spenders are selling at a profit or a loss, remains at 1. This suggests that STHs are still taking profits. It is this dynamic that has prevented BTC’s recovery from gaining momentum. 

BTC traded in bullish territory last week, and began the previous week with a 1.41% increase to $122,318. The price registered a marginal rise on Saturday before reaching an intraday high of $125,750 on Sunday. BTC ultimately ended the weekend at $123,520, up 0.87%. Buyers retained control on Monday as the price rose 0.97% and settled at $124,720, but not before reaching an intraday high of $126.296. BTC lost momentum on Tuesday, falling almost 3% to $121,393. The price recovered on Wednesday, rising nearly 2% and settling at $123,343. Selling pressure returned on Thursday as BTC fell 1.32% to a low of $119,713 before settling at $121,714.

Source: TradingView

BTC and the crypto market crashed on Friday after President Trump announced 100% tariffs on Chinese goods and new export controls for software. The announcement was made in retaliation for China's imposition of restrictions on rare earth mineral exports. As a result, BTC plunged to $102,000 on Binance before recovering and settling at $112,980. Selling pressure persisted on Saturday as the price fell almost 2% to $110,768. Despite the overwhelming selling pressure, markets recovered on Sunday. As a result, BTC rose nearly 4% to reclaim $115,000 and settle at $115,067. The price faced selling pressure and volatility on Monday, ultimately registering a marginal increase and settling at $115,274. Selling pressure returned on Tuesday as BTC fell to an intraday low of $109,945. It recovered from this level to reclaim $113,000 and settle at $113,068, ultimately dropping 1.91%. Sellers retained control on Wednesday as the price fell 2% to $110,804. BTC fell to an intraday low of $108,500 during the ongoing session, but has rebounded to reclaim $111,000 and is currently trading around $111,290, up 0.44%. 

Ethereum (ETH) Price Analysis Ethereum (ETH) is struggling to stay above $4,000 despite being up almost 2% during the ongoing session. The altcoin started the week in positive territory, but lost momentum on Tuesday, dropping to a low of $3,894 before reclaiming $4,000 and settling at $4,129. Selling pressure persisted on Wednesday as the price fell over 3%, slipping below $4,000 and settling at $3,988. ETH is trading around $4,050 during the ongoing session. 

ETH experienced considerable selling pressure this week, recording $124.7 million in futures liquidations, of which $77.1 million was in long liquidations. CoinGlass analysts believe ETH could decline to $3,500 if selling pressure persists. However, while ETH remains stuck around $4,000, institutional interest is quietly building. Spot Ethereum ETFs registered $170 million in net inflows on October 15. The ETFs had recorded $236 million in inflows the previous day, according to data from SoSoValue. BlackRock’s ETHA led the inflow chart with $164 million, followed by Bitwise and Fidelity. The contrast between ETH’s price action and steady ETF inflows suggests institutional investors are quietly building their positions. 

Meanwhile, BitMine’s Tom Lee remains bullish about ETH, doubling down on his prediction that the altcoin could reach $10,000 by the end of the year. Lee reasoned that his outlook about ETH is driven by a convergence of corporate and sovereign adoption, a positive US regulatory environment, and growing institutional adoption. 

“Ethereum’s basically been basing for four years now, just broke out of the range, so to me, it wouldn’t be a blow off top, but rather seeking essentially price discovery at a new level.”

ETH started the previous weekend in positive territory, registering a marginal increase on Friday. However, it fell 0.55% on Saturday and settled at $4,487. Positive sentiment returned on Sunday as the price rose 0.62% to reclaim $4,500 and settle at $4,515. Buyers retained control on Monday as ETH rose almost 4% to cross $4,600 and settle at $4,685. Despite the positive sentiment, the price fell by over 5% on Tuesday, settling at $4,451. ETH recovered on Wednesday, rising 1.68%, but was back in the red on Thursday, dropping 3.47% and settling at $4,369.

Source: TradingView

ETH plunged to an intraday low of $3,444 on Friday after President Trump announced 100% tariffs on Chinese imports and export controls on key software. It recovered from this level to settle at $3,836, ultimately dropping over 12%. Selling pressure persisted on Saturday as the fell 2.21% to $3,752. ETH recovered on Sunday, rising nearly 11% to reclaim $4,000 and settle at $4,158. Buyers retained control on Monday as the price rose over 2% and settled at $4,224. ETH plunged to an intraday low of $3,895 on Tuesday as selling pressure intensified. However, it recovered from this level to reclaim $4,000 and settle at $4,129, ultimately dropping $4,129. Sellers retained control on Wednesday as the price fell over 3%, slipping below $4,000 to $3,988. ETH is up almost 2% during the ongoing session, trading around $4,050.

Solana (SOL) Price AnalysisSolana (SOL) lost the $200 level again on Wednesday despite reaching an intraday high of $208. The altcoin started the week in bullish territory, rising nearly 6% on Monday. However, sentiment changed on Tuesday as the price fell to an intraday low of $191 before reclaiming $200 and settling at $202, ultimately dropping 2.99%. Selling pressure persisted on Wednesday as SOL fell over 4% to $193. SOL is up over 1% during the ongoing session, trading around $196.

SOL has taken a hit in recent sessions as investor sentiment turns cautious following Friday’s market crash, including a fresh wave of US tariffs on Chinese goods. However, market sentiment is gradually improving thanks to a dovish Fed, and Fed Chair Jerome Powell hinted at two rate cuts before the end of the year. However, traders are likely to be cautious as they watch how the latest trade tensions between the US and China play out. SOL is currently testing the $190 support. A break below this level could drive it towards the $170 mark. However, if bullish sentiment returns, SOL could reclaim $200 and push back towards $240.

SOL started the previous weekend in the red, dropping nearly 1% on Friday and over 2% on Saturday to settle at $227. The price recovered on Sunday, reaching an intraday high of $237 before settling at $238. Buyers retained control on Monday, rising almost 2% and settling at $232. Despite the positive sentiment, SOL returned to bearish territory on Tuesday, dropping over 5% to $220. Despite the overwhelming selling pressure, the price recovered on Wednesday, rising over 4% to $229. Selling pressure returned on Thursday as SOL fell 3.52% to $221.

Source: TradingView

Selling pressure intensified on Friday as markets tanked. As a result, SOL plunged to an intraday low of $170 before settling at $188, ultimately dropping over 14%. Sellers retained control on Saturday as the price fell almost 6% to $177. SOL made a strong recovery on Sunday, rising nearly 11% and settling at $197. The price continued pushing higher on Monday, rising almost 6% to reclaim $200 and settle at $208. Despite the positive sentiment, SOL lost momentum on Tuesday, falling to an intraday low of $191 before recovering to reclaim $200 and settle at $202. Selling pressure persisted on Wednesday as SOL fell over 4%, slipping below $200 and settling at $192. SOL is marginally down during the ongoing session, trading around $191.

Celestia (TIA) Price AnalysisCelestia (TIA) started the previous week in positive territory, rising nearly 6% and settling at $1.565. However, it retreated on Tuesday, dropping over 7% to $1.451. Price action turned positive on Wednesday as TIA rose nearly 3% and settled at $1.491. Selling pressure returned on Thursday as the price fell almost 3% to $1.449. TIA plunged to an intraday low of $0.237 on Friday as markets crashed. However, it rebounded from this level and settled at $0.926, ultimately dropping a staggering 36%.

Source: TradingView

Price action was mixed over the weekend as TIA registered a marginal drop on Saturday before recovering on Sunday, rising over 15% to reclaim $1 and settle at $1.062. Buyers retained control on Monday as the price rose over 12% to $1.189. However, selling pressure returned on Tuesday as TIA fell nearly 2% to $1.167. Sellers retained control on Wednesday with the price dropping almost 8% to $1.075. TIA is marginally down during the ongoing session, trading around $1.071.

Optimism (OP) Price AnalysisOptimism (OP) rose 5.57% on Monday (October 7) and settled at $0.756. However, selling pressure returned on Tuesday as the price fell by over 5% to $0.717. OP recovered on Wednesday, rising over 2% to $0.732, but was back in the red on Thursday, dropping 3.43% to $0.707. OP tanked to an intraday low of $0.142 on Friday as markets crashed. It recovered from this level to settle at $0.498, ultimately dropping 29%.

Source: TradingView

Price action was mixed over the weekend as OP fell almost 9% on Saturday before rising 7.58% on Sunday and settling at $0.489. Buyers retained control on Monday as the price rose 2.63% to reclaim $0.50 and settle at $0.502. Selling pressure returned on Tuesday as the price fell by over 3% to $0.485. Bearish sentiment intensified on Wednesday as OP fell almost 7% and settled at $0.453. The price is marginally up during the ongoing session, trading around $0.457.

Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.

The total market cap of the 14 U.S.-listed bitcoin miners that the bank covers rose 41% from the end of last month to a record $79 billion. Oct 16, 2025, 3:14 p.m.

The Bitcoin network hashrate declined modestly in the first two weeks of October, dropping 5 exahashes per second (EH/s) to an average of 1,030 EH/s, Wall Street bank JPMorgan (JPM) said in a report Thursday.

The pullback in the hashrate follows the successive record highs seen in August and September.

U.S.-listed miners that the bank tracks now account for around 38% of the global network.

The hashrate refers to the total combined computational power used to mine and process transactions on a proof-of-work blockchain, and is a proxy for competition in the industry and mining difficulty.

"HPC enthusiasm continued over the first two weeks of October, as the 14 bitcoin miners and data center operators we follow reached a combined market cap of $79 billion," analysts Reginald Smith and Charles Pearce wrote.

Miners earned around $52,500 in daily block reward revenue per EH/s, an increase of 6% from the end of September, the report said, but the hashprice, a measure of daily mining profitability, fell 7%.

The total market cap of the 14 U.S.-listed bitcoin miners that the bank covers rose 41% from the end of last month to a record $79 billion. All these companies outperformed BTC over the period.

Bitfarms (BITF) outperformed with a 129% gain, and Cango (CANG) underperformed the group with a 3% rise, the report added.

Read more: Bitcoin Miners Emerge as Key AI Infrastructure Partners Amid Power Crunch: Bernstein

More For You

Crypto Trading Volumes Fall 17.5% in September Despite Record Open Interest

Combined spot and derivatives volumes fell 17.5% in September, continuing a four-year seasonal trend

What to know:

Trading activity falls 17.5% in September slowdown: Combined spot and derivatives volumes dropped to $8.12 trillion, marking the first decline after three months of growth. September has now seen reduced trading volume for the fourth consecutive year.Open interest reaches record high despite derivatives market share decline: Total open interest surged 3.2% to $204 billion and peaked at an all-time high of $230 billion during the month.Altcoins on CME outperform as Bitcoin and Ether futures decline: While CME's total derivatives volume stayed flat at $287 billion (-0.08%), SOL futures jumped 57.1% to $13.5 billion and XRP futures rose 7.19% to $7.84 billion. BTC and ETH futures fell 4.05% and 17.9% respectively.View Full Report

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Andreessen Horowitz’s a16z Invests $50M in Solana Staking Protocol Jito

Jito Foundation will use the funding to grow its validator technology, staking protocol, and developer tools on Solana.

What to know:

Jito Foundation has raised $50 million from a16z crypto through a private token sale to fund its expansion.The investment will support the development of open-source infrastructure and new products aimed at increasing efficiency on Solana.The funding follows Jito’s recent BAM launch and ETF filing, signaling a broader push into both DeFi and traditional finance.Read full story

In Brief

Tether donates $250,000 to OpenSats to fund Bitcoin and privacy tech development.

OpenSats has issued over 300 grants for open-source and censorship-resistant projects.

Tether maintains USDT peg at $1.00 with $181B market cap and $164B daily trading volume.

Tether, the world’s largest stablecoin issuer, announced a $250,000 donation to OpenSats, a nonprofit dedicated to funding open-source Bitcoin initiatives. The contribution will strengthen OpenSats’ operations and grant-making programs focused on advancing censorship-resistant and privacy-enhancing technologies.

OpenSats, a 501(c)(3) public charity, directs 100% of grant funds to developers, researchers, and educators while funding its operations separately. The organisation’s nine-member board oversees grant allocations across high-impact projects in Bitcoin protocol development, privacy tools, and education.

Since its founding, OpenSats has issued over 300 grants supporting contributors building “freedom tech” projects within the Bitcoin and open-source ecosystem. The new funding from Tether will help scale these initiatives globally and sustain long-term development support.

The initiative reflects Tether’s commitment to Bitcoin and the broader open-source community. The company continues to back public goods that promote transparency, innovation, and financial independence across decentralized ecosystems.

Tether Strengthens Commitment to Bitcoin While Maintaining Market Leadership
Tether said the donation reinforces its goal of promoting open, censorship-resistant infrastructure that supports Bitcoin’s long-term sustainability. The company’s contribution will expand resources for developers and organisations advancing privacy and decentralisation in financial technology.

Industry analysts view this move as part of a broader trend of institutional support for open-source funding models. Transparent and consistent funding is increasingly recognised as vital for sustaining innovation across decentralised networks and maintaining ecosystem stability.

Meanwhile, Tether (USDT) remains firmly pegged at $1.00, maintaining price stability within its expected trading range. With a market capitalisation of $181.46 billion, USDT continues to dominate the global stablecoin market.

The stablecoin’s 24-hour trading volume of $164.27 billion underscores its deep liquidity and active use across exchanges, DeFi, and payments. With 181.32 billion USDT in circulation, Tether remains the backbone of crypto liquidity and settlement activity worldwide.

DISCLAIMER: The information on this website is provided as general market commentary and does not constitute investment advice. We encourage you to do your own research before investing.

Bitcoin's (CRYPTO: BTC) ongoing correction phase is following a pattern similar to previous bull market pullbacks, according to technical analysis.

What Happened: Technical analyst Kevin noted on Patreon that Bitcoin's correction patterns tend to "rhyme" across cycles, regardless of broader macro conditions.

Drawing comparisons to prior bull markets such as 2017 and 2023, he emphasized that 30%+ drawdowns do not necessarily signal the end of a rally as long as critical support levels hold.

Historical analysis shows that BTC correction phases typically last between 114 and 174 days, based on recurring momentum indicator patterns.

Applying this framework, Kevin estimates the current correction could resolve between Nov. 19 and Dec. 23, with an extended case stretching to mid-January if the cycle runs long.

He highlighted $106,800–$97,000 as the key bull market support range, encompassing the macro 1.703 Fibonacci level, golden pocket, 50-week SMA, and 2-day 200 SMA/EMA.

Maintaining this range is crucial for preserving Bitcoin's bullish structure, a breakdown would likely confirm a deeper bearish shift.

Also Read: Bitcoin Steadies Above $110,000 As Ethereum, XRP, Dogecoin Slip On Thursday

Why It Matters: Kevin cautioned that the fate of the ongoing bull market hinges on Bitcoin holding these technical supports while macroeconomic conditions remain stable, without fresh inflationary or geopolitical shocks.

For traders, he recommends mirroring his successful Q1 playbook:

Track Bitcoin's support levels closely.
Watch USDT dominance resistance zones for early signs of market recovery.
Stay aligned with macroeconomic trends to identify turning points.
If Bitcoin holds these supports, the correction phase could mark a reset before another leg up. Failure, however, could signal the end of the current bull cycle.

Read Next:

Citi Plans 2026 Launch For Crypto Custody Service
Image: Shutterstock

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The move aims to unlock corporate cash reserves and enable instant global payments by merging digital asset solutions with treasury management.

Key Takeaways

Ripple acquired GTreasury for $1 billion to enter the corporate treasury management sector.
The merger aims to enable real-time global payments and unlock idle capital for corporate clients.

Ripple has announced the acquisition of GTreasury for $1 billion, a strategic move aimed at penetrating the multi-trillion dollar corporate treasury market. This acquisition integrates GTreasury’s extensive experience in treasury management with Ripple’s digital asset infrastructure capabilities.

The combined efforts will focus on unlocking idle capital, enabling real-time cross-border payments, and enhancing liquidity management for Fortune 500 companies. This acquisition, Ripple’s third major in 2025, follows their recent acquisitions of Hidden Road and Rail, reinforcing their leadership in the digital asset market.

This is a developing story.

Disclaimer

TL;DR

Ethereum onboarded 16,181 new developers in 2025, more than any other blockchain.
Solana grew its total number of developers by 83%, capturing the market’s attention.
Ethereum Core developers earn 50-60% below market rates, affecting retention.

An intense battle is being fought in the crypto ecosystem. The competition for talent is fierce. Although Ethereum remains the undisputed leader in absolute numbers, Solana has become the center of attention thanks to its breakneck pace of growth.

Electric Capital’s data makes it clear: Ethereum attracted 16,181 new developers between January and September 2025, reaffirming its position as the leading ecosystem for new talent. However, the market narrative is leaning towards Solana.

Despite Ethereum having almost double the total active developers (31,869 versus Solana’s 17,708), it was the latter network that demonstrated more impressive momentum.

Solana not only added 11,534 new developers but also increased its total base by 83% year-over-year. This notable progress highlights a perception gap: while Ethereum leads in volume, the developer growth in Ethereum and Solana shows that the latter dominates in momentum and popularity. For its part, Bitcoin ranked third with 7,494 new developers.

The Challenge of Compensation and Talent Retention
Beyond the attraction figures, the report reveals a critical problem for Ethereum: the compensation and retention of its core talent. An Ethereum core developer earns a median salary of $140,000, a figure that is between 50% and 60% below the market rate, which averages $359,000.

This disparity is so stark that almost 40% of these developers have received offers from rival networks with much higher salary packages.

This phenomenon contrasts with the general market trend, where executive compensation has soared, while salaries for mid-level and entry-level roles have decreased or remained flat.

The situation shows that developer growth in Ethereum and Solana depends not only on technology but also on the ability of ecosystems to value and retain their key contributors in an increasingly competitive environment.

Aster token price has confirmed a potential double bottom at the $1.20 region, suggesting that a bullish reversal could be underway if price breaks through key resistance levels.

Summary

Aster forms a double bottom at $1.20 aligned with 0.618 Fibonacci support.
A break above $1.83 would confirm bullish continuation.
Sustained volume inflow is key to validating the reversal setup.

Aster (ASTR) token price is showing early signs of structural recovery, as the asset has retested its $1.20 support level twice with bullish reactions. Price has formed what appears to be a textbook double-bottom pattern.

This level was previously identified as important structurally, supported by technical confluence around the 0.618 Fibonacci retracement, and it highlights a potential accumulation zone that could serve as the foundation for a rally back toward the $1.83 resistance.

Aster token price key technical points

Major Support: $1.20, confirmed by a double bottom and 0.618 Fibonacci retracement.
Major Resistance: $1.83, aligned with the value area line and previous rejection zone.
Market Structure: Bullish double bottom formation signaling a potential reversal setup.

ASTERUSDT (4H) Chart, Source: TradingView
The $1.20 level has proven to be a key structural zone for Aster. The second retest of this support resulted in a clear bullish reaction, reinforcing the likelihood that this level represents the base of a broader reversal pattern. This double-bottom formation becomes increasingly valid as long as the asset continues to close above the value area low with growing buy-side volume.

The next major test lies at the $1.83 resistance, a region that has repeatedly rejected price advances in prior attempts. A decisive break and close above this level, ideally supported by an expansion in bullish volume, would confirm the structural shift from accumulation to expansion. Historically, such setups have preceded impulsive moves to the upside as traders recognize the pattern’s completion.

From a Fibonacci standpoint, the confluence of the 0.618 retracement level near $1.20 adds additional technical weight to the setup. This zone not only serves as a historical support level but also represents an area where institutional bids often cluster during reversal formations.

However, for this bullish scenario to materialize, Aster needs sustained buying pressure. Current volume profiles remain muted, indicating that market participants are still cautious. Without strong inflows or a rise in bullish nodes, any rally attempt could stall before confirming a breakout.

What to expect in the coming price action
As long as Aster holds above $1.20, the probability of a reversal continues to grow. A breakout above $1.83 would validate the double-bottom pattern and open the path toward higher targets. Conversely, a failure to sustain above $1.20 could invalidate the setup and lead to a deeper retest of lower supports.

Shiba Inu's community just witnessed the largest solo burn in roughly a year from a mysterious Coinbase customer.

The crypto market is once again on high alert. A mysterious trader known as the “Trump Insider Whale,” who famously shorted Bitcoin just minutes before President Donald Trump’s tariff announcement caused a crypto market crash, is back.

This time with a massive $127 million short position against Bitcoin, just hours before President Donald Trump’s urgent announcement scheduled for 3:00 PM (ET) today. 

Many experts believe the insider might know what’s coming.

Repeat of the “Tariff Crash” PlayJust last week, the crypto market lost over $670 billion in a single day after Trump’s 100% tariffs on Chinese imports triggered panic selling across digital assets and equities. 

The event, now called the “Tariff Crash”, saw Bitcoin plunge from $122,000 to nearly $104,000 within hours, perfectly timed with a short position placed by the so-called “Trump Insider Whale.” That trade reportedly gained the trader $192 million in profits within 30 minutes.

Now, blockchain analysts report that the same wallet, tracked by on-chain platforms, gradually built a 20x leveraged position and increased its exposure to $127 million in BTC short positions overnight.

What Could Be Coming?However, the timing has sparked concern again, as President Trump is set to make an urgent announcement later today, and traders are preparing for sharp market swings.

Social media platforms are already flooded with warnings from analysts and traders predicting volatility. Many believe the insider could have access to non-public information tied to today’s announcement.

Experts say if Trump announces strict trade or financial sanctions, markets could fall fast. But if he announces crypto-friendly measures or liquidity support, a quick rebound may follow.

Will the Market Crash Again?As of now, Bitcoin price is trading around $111,200, reflecting a drop of 1%, seen in the last 24 hours. Meanwhile, funding rates across derivatives platforms like Binance and Bybit have turned negative, reflecting growing bearish sentiment.

If Trump’s speech introduces new tariffs or confirms stricter capital restrictions, Bitcoin could retest $100,000–$102,000 levels, marking another 10–12% drop. 

But if the announcement proves dovish or pro-crypto, short liquidations could trigger a relief rally toward $120,000, reversing losses quickly.

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Chainlink has deployed its real-time Data Streams oracle natively on the ultra-fast Ethereum Layer 2 MegaETH.

Bitcoin continues to struggle after the massive liquidation event earlier this month. The market’s optimism has cooled, and BTC is consolidating near $111,000 as traders remain cautious.

Technical Analysis
By Shayan

The Daily Chart
On the daily chart, BTC is hovering just above key support around $110,000, which is the critical 200-day moving average, while the 200-day moving average is acting as a resistance above the price around $116,000.

The $110,000 area remains critical, and a decisive breakdown could send the market toward $101,000 and the lower boundary of the large descending channel. Meanwhile, the RSI around 42 signals neutral momentum, reflecting hesitation among both bulls and bears. Unless Bitcoin reclaims $116,000 with strong volume, the broader uptrend remains at risk of losing its mid-term structure.

The 4-Hour Chart
The 4-hour chart highlights a tight consolidation between $110,000 and $116,000 after the strong downward impulse. The $110,000 range continues to hold as a demand zone, but repeated tests have weakened its reliability.

Resistance sits at $116,000, as already mentioned, which capped every recovery attempt over the past few days. The RSI also remains flat near 40, indicating equilibrium on the 4-hour timeframe, but the lack of momentum suggests the market could break down if sellers regain control.

Sentiment Analysis
Futures Open Interest
Open interest across exchanges has sharply declined following the recent selloff, reflecting a clear reduction in speculative activity. Traders are avoiding aggressive positions after getting liquidated during the last move down.

This decline in leverage shows that the market is resetting, but it also signals a lack of conviction for any strong bullish continuation in the short term. Investor sentiment remains fragile, as fear is outweighing greed, and most participants are waiting for a stronger confirmation before re-entering long positions.

Solana investors sent 688,000 SOL worth $132 to exchanges this week, signaling rising sell-side pressure and profit-taking.The short-term holder Net Unrealized Profit/Loss (STH NUPL) sits in the capitulation zone, suggesting many are selling at a loss — a potential precursor to recovery.SOL trades at $192 after failing to hold above $200; reclaiming $200–$205 could spark a rebound to $213, while falling below $183 may extend losses.Solana’s price movement has remained largely stagnant over the past few days as the broader crypto market shows uncertainty. 

Despite a strong start earlier in the month, SOL has struggled to maintain upward momentum. Investor sentiment appears divided, with some holders taking profits while others brace for potential recovery.

Solana Investors Sell SharplyOver the past week, Solana investors have been turning to the selling side. On-chain data shows that more than $132 million worth of SOL has been sent to exchanges during this period. This influx reflects heightened sell-side pressure as traders move to secure gains or exit amid uncertainty.

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Even though the SOL sold is relatively less, it does show that panic selling has been evident; others are liquidating positions at minor rallies, suggesting a lack of confidence in sustained price growth. However, this selling is not strong enough to hold Solana price’s recovery back even if it caused a minor dip in price.

Want more token insights like this? Sign up for Editor Harsh Notariya’s Daily Crypto Newsletter here.

Solana Exchange Balance. Source; GlassnodeThe short-term holder Net Unrealized Profit/Loss (STH NUPL) indicator currently sits in the capitulation zone, signaling that most short-term holders are selling at a loss. Historically, when this occurs during a broadly positive market, it has marked the beginning of a rebound phase. This pattern has been observed multiple times in Solana’s previous cycles.

When investors stop selling at losses and begin waiting for profit-taking opportunities instead, market pressure tends to ease. This dynamic could trigger a shift toward accumulation, potentially leading to a short-term rally.

Solana STH NUPL. Source; GlassnodeSOL Price Can Bounce BackSolana’s price currently stands at $192, holding just above a key support level at the same mark. The altcoin recently dipped after failing to secure a foothold above $200, but resilience at this level remains a positive sign.

Given the current on-chain dynamics, SOL may soon reverse its recent losses. A successful breakout above $200 and $205 could pave the way toward $213, signaling renewed bullish momentum.

Solana Price Analysis. Source: TradingViewHowever, if selling continues to dominate and confidence remains weak, Solana’s price could fall to $183. Such a decline would invalidate the bullish outlook and deepen the short-term downtrend.

Disclaimer

In line with the Trust Project guidelines, this price analysis article is for informational purposes only and should not be considered financial or investment advice. BeInCrypto is committed to accurate, unbiased reporting, but market conditions are subject to change without notice. Always conduct your own research and consult with a professional before making any financial decisions. Please note that our Terms and Conditions, Privacy Policy, and Disclaimers have been updated.

A co-founder of Bitcoin infrastructure company, Babylon Labs, claims to have built a system that allows for native Bitcoin to be used as trustless collateral to borrow on the Ethereum blockchain.

In a Wednesday X post, Babylon Labs co-founder and Stanford University professor David Tse claimed Babylon built a proof-of-concept allowing for native Bitcoin (BTC) “to be used trustlessly as collateral to borrow on Ethereum for the first time.”

The comments follow Babylon’s release of a white paper in early August, outlining what it calls a Bitcoin trustless vault system. The system leverages the Bitcoin smart contract verification system BitVM3 to lock BTC in per-user vaults, where withdrawals (redemption or liquidation) are gated by cryptographic proofs of external smart contract state verified on Bitcoin.

This allows users to lock Bitcoin and bridge it to Ethereum without relying on a federated custodian or bridge. On the Ethereum side, a smart contract verifies the BTC vault via a Bitcoin light client before accounting for collateral.

An experimental version of the resulting token is already available on the onchain lending protocol Morpho. Still, it is in the testing phase, with a total liquidity in the market of $14 in USDC (USDC). Tse described VaultBTC as “an intermediate non-fungible asset that interfaces the vault with Morpho and allows depositor and liquidators to trustlessly withdraw BTC.“

A schematic of the Bitcoin vault-based lending system. Source: Babylon LabsBabylon Labs and Tse had not responded to Cointelegraph’s request for comment by publication.

How trustless is it?While the previously explained part of the system is trustless, some parts remain non-trustless. Per the white paper, Babylon’s Bitcoin vault liquidations utilize whitelisted liquidators to monitor the price and vault state, resulting in a liquidation system that is not permissioned and introduces trust assumptions.

Even with co-signing meant to curb censorship, the model still assumes enough liquidators (and sometimes large lenders) behave correctly. Even if they cannot steal Bitcoin thanks to the system’s design, this introduces a trust assumption into the system.

Bitcoin vault liquidation schematic. Source: Babylon LabsLiquidations hinge on a price oracle, so they inherit the oracle’s accuracy, timeliness, and censorship-resistance risks. If the oracle is wrong or delayed, the system makes the wrong call. Oracle providers with existing relationships with Babylon Labs, Band Protocol and Pyth Network had not responded to Cointelegraph’s request for comment by publication.

What really changes?The white paper provides a simple example: “Bob holds 1 BTC and wishes to borrow $50,000 in a stablecoin from Larry via a lending protocol on Ethereum.” This would necessitate that if Bitcoin’s price falls under $50,000, Larry can liquidate the collateral, and if Bob repays the loan on time, he recovers the BTC.

Babylon Labs explains that current systems require numerous trust assumptions. Bob can hand over the Bitcoin to Larry for safekeeping, trusting that he will return it.

Otherwise, Bob can keep the Bitcoin and promise to allow Larry to liquidate it if the price falls — but Larry would trust Bob to keep his word. Lastly, Bob could bridge Bitcoin to Ethereum as Wrapped Bitcoin (WBTC) and use it in a smart contract as collateral. Still, he would have to trust the wrapping mechanism itself.

WBTC requires trust because the Bitcoin backing it is held by a centralized custodian who must be trusted not to lose, freeze, or misuse the funds. Users depend on this custodian’s honesty and solvency rather than cryptographic guarantees. This is the primary issue addressed by Babylon’s trustless implementation.

“Trustless vaults eliminate all such trust assumptions. Bob and Larry jointly pre-sign a set of Bitcoin transactions defining conditional spending rights,” the white paper states.

Magazine: ‘Debasement trade’ will pump Bitcoin, Ethereum DATs will win: Hodler’s Digest, Oct. 5 – 11

After Coinbase added BNB to its roadmap, Binance's CZ challenges Coinbase to list more BNB Chain projects, arguing for inclusivity by pointing to BNB Chain's greater network activity and value locked.

Bitcoin Jesus pays $50 million to dodge prison – but can he really live freely? Gino Matos · 10 seconds ago · 4 min read

Roger Ver’s settlement caps a decade-long saga and resets the rules for offshore holdouts.

Oct. 16, 2025 at 3:10 pm UTC

4 min read

Updated: Oct. 16, 2025 at 12:10 pm UTC

Cover art/illustration via CryptoSlate. Image includes combined content which may include AI-generated content.

Earlier this week, Roger Ver entered a deferred-prosecution agreement that ended his April 2024 indictment on mail fraud, tax evasion, and false-return charges.

Ver, also known as “Bitcoin Jesus,” admitted he willfully failed to report all his Bitcoin (BTC) holdings when he renounced US citizenship in 2014, paid $49.93 million in back taxes, penalties, and interest, and walked away without prison time.

The US Department of Justice (DOJ) simultaneously moved to dismiss the indictment without prejudice, leaving Ver in a three-year limbo. He must comply with the deal’s terms, and prosecutors won’t re-indict. Yet, a breach will allow them to do so.

The case began with Ver’s 2014 expatriation. Prosecutors alleged he and two US companies he controlled held roughly 130,000 BTC at the time he renounced citizenship, holdings he allegedly understated on exit-tax forms.

In 2017, Ver took possession of about 70,000 company Bitcoins and sold tens of thousands for roughly $240 million without reporting the taxable distribution.

The government calculated the tax loss at a minimum of $48 million. Spanish authorities arrested Ver in 2024 as the US sought extradition, and he fought the charges until the recent settlement closed the criminal case.

What does it mean for tax laws?Ver’s deal doesn’t rewrite tax law, but it demonstrates how firmly the existing rules still grip offshore assets.

Internal Revenue Code §877A imposes a mark-to-market exit tax on “covered expatriates,” which includes US citizens who renounce citizenship and meet income, net-worth, or compliance thresholds.

The 2025 Form 8854 instructions set the exclusion at $890,000, and failures to report carry steep penalties. Ver’s settlement precisely follows that framework. He admitted willfully omitting Bitcoin from his expatriation filings, paid what he owed, and avoided trial by meeting the government’s demands.

Immigration attorney Parviz Malakouti-Fitzgerald noted that Ver also withdrew his claim for a 2014 tax refund, potentially forfeiting a significant sum in addition to the $50 million payment.

The agreement’s three-year tolling provision means Ver remains exposed until September 2028. Any breach during that window reopens the door to prosecution.

Court filings show Ver must also refrain from publicly opposing the admissions his lawyers made on his behalf, a constraint Malakouti-Fitzgerald flagged as risky for a figure who has spent years as a vocal Bitcoin evangelist.

The settlement’s most revealing clause may be paragraph eight’s catchall, which states that Ver cannot “violate any law” during the tolling period.

Paired with the ban on contradicting his admissions, even through agents or supporters, the terms box Ver into silence and compliance. If someone he once funded speaks out or if Ver slips in an interview, the government retains leverage to revive charges.

Malakouti-Fitzgerald concluded that Ver should “live like a monk” for three years.

Cross-border enforcement tightens the netVer’s arrest in Spain stresses the far-reaching nature of US tax enforcement. Living offshore offers no sanctuary when criminal exposure stems from pre-expatriation conduct.

Extradition treaties and international cooperation turn foreign residency into a holding pattern rather than a shield. For US taxpayers still holding undeclared crypto abroad, the information-reporting net continues to tighten.

FATCA’s Form 8938 and the Foreign Bank Account Report (FBAR) already capture foreign financial assets. FinCEN has stated that it intends to amend FBAR rules to include virtual currency accounts, although this change has not yet taken effect.

Meanwhile, Treasury and the IRS finalized broker-reporting rules requiring digital asset platforms to send Form 1099-DA for sales starting Jan. 1, with broader basis reporting to follow.

The opacity that once allowed offshore crypto users to move undetected is evaporating as enforcement shifts from policy rhetoric to transactional details.

IRS Criminal Investigation has made digital assets a priority, deploying blockchain analytics to trace flows and recover taxes.

A 2024 Treasury Inspector General for Tax Administration review detailed those efforts and the push to refine them further.

Ver’s outcome aligns with the trajectory of recovering unpaid taxes, deterring noncompliance through high-profile settlements, and pursuing criminal charges when voluntary disclosure fails.

Narrowing window for holdoutsVer’s deal clarifies that renouncing citizenship, parking assets in foreign entities, or relying on offshore residence to evade US tax obligations tied to crypto won’t work.

Although the settlement doesn’t create new law, it narrows the perceived escape routes by showing the government’s willingness to arrest, extradite, and prosecute.

For individuals caught in similar positions, the IRS Streamlined Filing Compliance Procedures and the Voluntary Disclosure Practice remain formal on-ramps to resolve undeclared assets before enforcement action begins.

Ver’s case provides a cautionary tale that addresses liability while the choice is still with the investor, or face the government’s terms when it comes to an indictment.

Malakouti-Fitzgerald also raised a question that extends beyond US jurisdiction. Ver’s admission of willful failure to report may affect his St. Kitts citizenship by investment and future mobility applications, as some countries treat admission of a crime, even without conviction, as a disqualifying factor.

Ver renounced US citizenship to escape its tax reach, but the settlement’s admissions may now complicate his access to other jurisdictions.

The deferred-prosecution agreement was fully executed on Sept. 23, yet the parties filed a joint motion to continue the case nine days later, citing the need to discuss Ver’s motion to dismiss and “potential further motions.”

Only on Oct. 14 did the DOJ file its motion to dismiss without prejudice, formalizing the deal the parties had already signed weeks earlier.

The delay highlights the choreography behind these resolutions, which includes negotiations concluded in private, filings following a script, and the public record catching up only after the terms are finalized.

Ver’s settlement will likely not be the last. As broker reporting expands, blockchain analytics mature, and cross-border cooperation deepens, the window for offshore holdouts is closing.

Mentioned in this article

Latest Spain Stories Latest Bitcoin Stories Press Releases

5 minutes ago

Bitcoin retested support levels under $110,000 as data showed smaller investors buying and whales cooling their extended BTC sell-off.

98

Key points:

Bitcoin finally sees investors who are willing to “buy the dip” at prices around $110,000.

Multiple support retests continue to grab trader attention.

Bulls can still realize a bullish RSI divergence with a strong daily close.

Bitcoin (BTC) kept up pressure on key support Thursday as buyer interest showed signs of a comeback.

BTC/USD one-hour chart. Source: Cointelegraph/TradingViewBTC price brings back sub-$110,000 levelsData from Cointelegraph Markets Pro and TradingView showed BTC/USD wicking below $110,000 on Bitstamp.

Exchange order-book liquidity on either side of the price was targeted, with both local lows and resistance at $112,300 now a key focus.

BTC liquidation heatmap. Source: CoinGlass“Time to lock in again, 4th time testing this demand area,” trader Skew wrote about the former in an X post.

BTC/USD four-hour chart. Source: Skew/XTrader and analyst Rekt Capital noted that BTC/USD had now filled an outstanding “gap” in CME Group’s Bitcoin futures market.

— Rekt Capital (@rektcapital) October 16, 2025
Addressing the relative strength index (RSI), Rekt Capital eyed an “emerging” bullish divergence with price — a potential sign of upside to come.

“Price needs to Daily Close just like this to crystallise it,” he added.

BTC/USD one-day chart with RSI data. Source: Rekt Capital/XCrypto analyst and entrepreneur Ted Pillows used market sentiment as proof that the Bitcoin price was likely establishing a local floor.

“$BTC has been consolidating after last week’s crash,” he told X followers. 

“Sentiment is at an all-time low, people are panic selling and ‘it's all over’ is on the timeline. This doesn't happen at the top, but rather at the bottom.”Bitcoin price comparison. Source: Ted Pillows/XPillows uploaded a chart comparing current BTC price action to that from the COVID-19 cross-market crash in March 2020.

As Cointelegraph reported, the Crypto Fear and Greed Index has flipped to “fear” this month, matching six-month lows.

Bitcoin dip-buyers finally emergeResearching investor trends, however, onchain analytics platform Glassnode had some good news for bulls.

Entities holding between 1 BTC and 1,000 BTC, it revealed on the day, were showing “strong accumulation.”

Even whales, who distributed large amounts of BTC to the market in recent weeks, were slowing their sales.

Glassnode said that this was “signaling renewed confidence in spite of the recent shakeout.”

Bitcoin trend accumulation by investor cohort. Source: Glassnode/XThis article does not contain investment advice or recommendations. Every investment and trading move involves risk, and readers should conduct their own research when making a decision.

A widely watched on-chain profile for Dogecoin is flagging a striking absence of realized cost basis between roughly $0.19 and $0.07—an “air pocket” that could amplify volatility if price migrates into the range. Posting a Glassnode UTXO Realized Price Distribution (URPD): ATH-Partitioned chart, analyst NekoZ (@NekozTek) wrote: “There’s a huge gap on DOGE between $0.19 and $0.07.”

URPD maps coins by their last on-chain transfer price, a proxy for where current holders acquired their coins. Dense clusters typically align with strong support or resistance; sparsely populated bands imply fewer cost-anchored holders who might otherwise slow a move.

In the Dogecoin snapshot shared by NekoZ, the distribution shows two dominant shelves with relatively little realized supply between them. A large cohort sits near approximately $0.0739, labeled on the chart with 28,288,647,364.767 DOGE, equating to 18.69% of the measured supply.

Higher up, another notable node appears around $0.1996, carrying 14,183,292,412.578 DOGE, or 9.37%. The expanse shaded between these anchors is marked “GAP,” visually underscoring the thin realized supply across that corridor.

Dogecoin URPD | Source: X @NekozTek
What Does That Mean For Dogecoin Price?
For traders, the structural message is straightforward but consequential. If spot price descends from the upper node into the underpopulated band, there are fewer holders with break-even incentives to absorb sell pressure, so downside can accelerate until it encounters the heavier cost basis around the lower cluster.

The logic is symmetrical on the way up: if price advances from the lower shelf into a sparsely held zone, there is less overhead supply to impede a rally until it nears the next dense pocket. URPD therefore speaks to path-dependence and market microstructure rather than direction in isolation.

The question embedded in the headline—whether a “crash” is imminent—cannot be answered by URPD alone. The distribution is not a timing tool and does not incorporate contemporaneous drivers such as order-book depth, derivatives positioning, or exogenous catalysts.

What it does show, with unusual clarity in Dogecoin’s case, is a bifurcated cost landscape: a heavy base near ~$0.07 and a sizable cluster near ~$0.20, with relatively little realized ownership in between. Should price traverse that interval, the chart implies a higher likelihood of fast travel within the gap and stickier behavior when it reconnects with one of the dense shelves.

NekoZ’s framing—“There’s a huge gap on DOGE between $0.19 and $0.07.”—captures the core risk. The Glassnode URPD snapshot quantifies it, highlighting that roughly one in five measured DOGE resides near ~$0.074 while close to one in ten sits near ~$0.20, bracketing a broad stretch of thin realized supply. For market participants, the takeaway is not a forecast, but a map: the route between those levels has fewer natural brakes.

At press time, DOGE traded at $0.198.

DOGE rejected at the 0.236 Fib, 1-day chart | Source: DOGEUSDT on TradingView.com
Featured image created with DALL.E, chart from TradingView.com

Advanced Micro Devices Today

AMD

Advanced Micro Devices

$237.62 -0.98 (-0.41%)

As of 09:33 AM Eastern

This is a fair market value price provided by Polygon.io. Learn more.

52-Week Range$76.48▼

$240.10P/E Ratio136.67

Price Target$231.00

Advanced Micro Devices' NASDAQ: AMD stock price outlook, long tied to a forecast of GPU market-share gains, was affirmed by OpenAI and accelerated by Oracle NYSE: ORCL. Oracle plans to deploy 50,000 Advanced Micro Devices' MI450 line of AI accelerators in the third quarter of 2026.

While a drop in the bucket compared to OpenAI’s plans, Oracle will likely expand its plans, build more AMD-powered data centers, and drive demand for this business. 

Get Advanced Micro Devices alerts:

The critical takeaway is the quickness with which Oracle followed up on the OpenAI news. Because Advanced Micro Devices GPUs provide superior performance at lower cost, offer greater memory capacity, and excel for inference, AMD chips are an attractive alternative for hyperscalers.

Based on the supply-demand dynamic reported by Wedbush, it isn’t a matter of Advanced Micro Devices taking share from NVIDIA NASDAQ: NVDA so much as meeting unfilled demand.

Investors should expect the remaining hyperscalers to follow suit, amplifying AMD's revenue growth outlook with each announcement.

The figures are hard to pin down, but it is accepted that hyperscalers, including Amazon's NASDAQ: AMZN Web Services, Alphabet NASDAQ: GOOGL, and Microsoft NASDAQ: MSFT, are already using several gigawatts of power across each of their data center networks. Demand trends suggest these networks will double in size—three times over—over the coming decade, and AMD chips will be at the core of that growth. 

In this scenario, demand from the commercial hyperscale sector could more than quadruple OpenAI's revenue over the next five years, adding as much as $500 billion to the revenue outlook.

Revenue forecasts are rising in October, but the consensus expects only $355.5 billion for the 2026 to 2030 period. 

Analysts Like What They See in AMD’s Product Pipeline
The analysts’ response to the news is favorable, with them increasing the coverage, upgrading the stock, and raising their price targets in the wake of the OpenAI news. The chatter indicates that the shift to rack-scale capability is a game-changing event that will be highly accretive to the business.

The data tracked by MarketBeat shows 40 analysts rating the stock as a Moderate Buy, with the number of ratings up by 25% over the preceding 12 months and sentiment firming. Recent revisions include upgrades to Buy from Moderate Buy equivalents, putting the bias at 70% in favor of an outright Buy, and price targets that point to the $300 level. 

A move to $300 is likely as it aligns with the technical outlook. The OpenAI announcement catalyzed a 30% increase in AMD's stock price, which is likely only the first half of the move. The market for AMD stock is struggling with resistance at the prior all-time high but consolidating well above support targets, with convergent MACD and a bullish signal in the stochastic.

The stochastic is a critical factor, as it is low enough to indicate this market has ample room to move higher. 

The catalyst for this move may come with the Q3 earnings report. While the results are likely to be good, with the company outperforming the consensus for a 28% year-over-year revenue increase, the guidance will move the market.

It will likely include deal news and updates on the MI450 lineup, affirming the hypergrowth outlook. 

Cash Pile to Swell—Good News for Investors
Advanced Micro Devices Stock Forecast Today12-Month Stock Price Forecast:
$231.00
-3.19% Downside

Moderate Buy
Based on 40 Analyst Ratings

Current Price$238.60High Forecast$310.00Average Forecast$231.00Low Forecast$140.00Advanced Micro Devices Stock Forecast Details

Cash flow is a key factor affecting NVIDIA’s stock price—and will soon impact AMD’s as well. While growth is strong, cash flow remains important. NVIDIA’s increased cash flow from AI has enabled substantial investments in AI and future expansion, while also building a large cash reserve.

NVIDIA is now a net-cash business relative to its total liabilities: AMD is on the cusp of a similar event that will drive significant value for its shareholders. Although AMD’s stock trades at a premium in 2025, it continues to offer value for long-term investors.

The 55x price multiple in 2025 falls to only 10x by 2035, potentially lower due to overly cautious forecasts. This suggests that AMD’s stock price could rise by 100% to 200% within the next two to five years (probably sooner). 

Should You Invest $1,000 in Advanced Micro Devices Right Now?Before you consider Advanced Micro Devices, you'll want to hear this.

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Key Takeaways Kinross Gold shares have soared 190.2% YTD, outpacing the industry and S&P 500.Higher gold prices, strong earnings and major project execution drive growth.KGC's solid liquidity, debt reduction and rising earnings estimates bolster investor appeal.
Kinross Gold Corporation’s (KGC - Free Report) shares have skyrocketed 190.2% year to date, outperforming the Zacks Mining – Gold industry’s growth of 123.6% and the S&P 500’s rise of 14%. The upside has been driven by its better-than-expected earnings performance, buoyed by higher realized gold prices and strong operating performance. The Federal Reserve’s dovish stance, uncertainties surrounding trade tariffs and worries over the U.S. government shutdown have also contributed to the recent record-setting upswing in bullion prices, driving shares of gold miners, including KGC.

KGC’s gold mining peers, Barrick Mining Corporation (B - Free Report) , Newmont Corporation (NEM - Free Report) and Agnico Eagle Mines Limited (AEM - Free Report) , have rallied 123.8%, 151.5% and 128.6%, respectively, over the same period.

KGC’s YTD Price Performance Image Source: Zacks Investment Research

Technical indicators show that KGC has been trading above the 200-day simple moving average (SMA) since March 6, 2024. The stock is also currently trading above its 50-day SMA. The 50-day SMA continues to read higher than the 200-day moving average, indicating a bullish trend.

Kinross Trades Above 50-Day SMA Image Source: Zacks Investment Research

Is the time right to buy KGC’s shares for potential upside? Let’s take a look at the stock’s fundamentals.

Development Projects to Underpin KGC’s Production GrowthKinross has a strong production profile and boasts a promising pipeline of exploration and development projects. Its key development projects and exploration programs, including Great Bear in Ontario and Round Mountain Phase X in Nevada, remain on track. These projects are expected to boost production and cash flow and deliver significant value. The successful execution of these projects will position the company for a new wave of low-cost, long-life production.

KGC is making progress with Great Bear’s Advanced Exploration program, with the construction of surface facilities underway. Detailed engineering for key infrastructure is also advancing for the Main Project. At Round Mountain Phase X, underground drilling during the second quarter confirmed strong grades in the primary target zones. Moreover, drilling at the Curlew basin continued to show high-grade intercepts, supporting high-margin production. At the Lobo-Marte project in Chile, KGC is progressing studies to support the Environmental Impact Assessment and remains committed to advancing this potentially long-life, low-cost mine.

Tasiast and Paracatu, the company’s two biggest assets, remain the key contributors to cash flow generation and production. Tasiast remains the lowest-cost asset within its portfolio, with a consistently strong performance. It achieved record annual production and cash flow in 2024 and is on track to meet its full-year 2025 guidance. Paracatu continues to deliver a strong performance, with second-quarter production rising on higher grades and improved mill recoveries. KGC also completed the commissioning of its Manh Choh project and commenced production during the third quarter of 2024, leading to a substantial increase in cash flow at the Fort Knox operation.

Kinross’ Solid Financial Health Bodes WellKGC has a strong liquidity position and generates substantial cash flows, which allows it to finance its development projects, pay down debt and drive shareholder value. KGC ended second-quarter 2025 with robust liquidity of roughly $2.8 billion, including cash and cash equivalents of more than $1.1 billion. Second-quarter free cash flow surged approximately 87% year over year and 74% from the preceding quarter, driven by the strength in gold prices and strong operating performance.

 Kinross repaid $800 million of debt during 2024 and the remaining $200 million of its term loan in the first quarter of 2025. Moreover, KGC's net debt position improved to around $100 million at the end of the second quarter from $540 million in the prior quarter.

Higher gold prices should boost KGC’s profitability and drive cash flow generation. Gold prices are shooting higher this year, largely attributable to aggressive trade policies, including sweeping new import tariffs announced by President Donald Trump that have intensified global trade tensions and heightened investor anxiety. Also, central banks worldwide have been accumulating gold reserves, led by risks arising from Trump’s policies.

Prices of the yellow metal have rocketed roughly 60% so far this year. The Federal Reserve’s interest rate reduction by a quarter of a percentage point, prospects of more rate cuts this year amid concerns over the labor market, along with growing concerns over a protracted U.S. government shutdown, have triggered the rally, driving prices north of $4,000 per ton for the first time. Concerns over the labor market have heightened the rate cut expectations. Escalating U.S.-China trade tensions have also fueled the surge in bullion prices, which are currently hovering near $4,200 per ounce. Increased purchases by central banks and geopolitical and trade tensions are expected to help the yellow metal sustain the upswing in gold prices.

Further, KGC offers a dividend yield of 0.5% at the current stock price. It has a payout ratio of 10% (a ratio below 60% is a good indicator that the dividend will be sustainable). Backed by strong cash flows and sound financial health, the company's dividend is perceived as safe and reliable.

Positive Analyst Sentiment for KGC StockEarnings estimates for KGC have been rising over the past 60 days, reflecting analysts’ optimism. The Zacks Consensus Estimate for 2025 and 2026 has been revised upward over the same time frame.

The Zacks Consensus Estimate for 2025 earnings is currently pegged at $1.44, suggesting year-over-year growth of 111.8%. Earnings are also expected to register roughly 9.8% growth in 2026.

Image Source: Zacks Investment Research

A Look at Kinross Stock’s ValuationKGC is currently trading at a forward price/earnings of 17.69X, a 9.4% premium compared to the industry’s average of 16.17X. It is trading at a premium to Barrick and Newmont and at a discount to Agnico Eagle. Kinross, Barrick and Newmont currently have a Value Score of B each, while Agnico Eagle has a Value Score of C.

KGC’s P/E F12M Vs. Industry, B, NEM & AEM Image Source: Zacks Investment Research

How Should Investors Play the KGC Stock?Kinross offers an appealing investment opportunity, supported by a robust pipeline of development projects and a strong financial foundation. Upward-trending earnings estimates and a solid growth outlook further enhance its appeal. The company continues to deliver impressive financial results, generate substantial free cash flow and rapidly reduce debt, benefiting from a supportive gold price environment. With these strong fundamentals and continued gold price momentum, KGC appears well-positioned to deliver attractive returns, making this Zacks Rank #2 (Buy) stock a prudent choice for investors seeking to capitalize on favorable market conditions.

You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.

SummaryAlphabet Inc. earns a Strong Buy rating, driven by robust Q2 '25 results and consistent outperformance versus market expectations.GOOGL's 14% revenue growth, expanding cloud margins, and strong AI monetization highlight operational excellence and future growth potential.Despite higher CapEx and depreciation from AI investments, GOOGL's financial strength and dominant market positions support continued long-term upside.Q3 '25 will be key for confirming sustained cloud growth, AI monetization, and resilience in advertising, reinforcing GOOGL as a premier tech sector investment. Nicolae Popescu/iStock via Getty Images

Alphabet Inc. (NASDAQ:GOOGL, NASDAQ:GOOG) continues to prove why it’s one of the most reliable performers in the tech sector. Since my last analysis, the stock has climbed ~9%, outpacing the broad market’s

Analyst’s Disclosure:I/we have a beneficial long position in the shares of GOOGL either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

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2025 Global Produce & Floral Show, Booth #1856

BELVIDERE, NJ, Oct. 16, 2025 (GLOBE NEWSWIRE) -- Edible Garden AG Incorporated (“Edible Garden” or the “Company”) (Nasdaq: EDBL, EDBLW), a leader in controlled environment agriculture (CEA), locally grown, organic, sustainable produce and products, invites attendees of the 2025 Global Produce & Floral Show at the Anaheim Convention Center, October 16–18, to experience the future of fresh herbs at Booth #1856.

“Edible Garden’s presence at the Global Produce & Floral Show underscores our growing leadership in controlled environment agriculture and our commitment to advancing technologies that minimize waste and maximize freshness on a global scale,” said Jim Kras, Chief Executive Officer of Edible Garden. “This innovation embodies our Zero-Waste Inspired® mission and reinforces our role as a pioneer in climate-resilient, resource-efficient agriculture. It’s more than just basil, it’s a tangible step forward in redefining how fresh produce is grown, distributed, and enjoyed.”

“USDA Organic Hydroponic Basil represents a breakthrough in fresh herb production. It is the first-of-its-kind innovation that merges the sustainability and efficiency of hydroponics with the trusted standards of USDA Organic certification. This root-on, living basil plant delivers ultra-fresh flavor, extends shelf life, and significantly reduces food waste—all while using up to 90% less water than conventional farming.”

“With its vibrant presentation and premium shelf appeal, Hydroponic Basil elevates the produce aisle, providing a better-for-you, better-for-the-planet choice that aligns with consumer demand for freshness, sustainability, and transparency. Cultivated locally year-round, the product reduces food miles, ensures consistent quality, and supports retailer goals for innovation in the organic category.”

Attendees are encouraged to visit Booth #1856 to see firsthand how Edible Garden is setting new benchmarks for freshness, sustainability, and innovation in the produce industry. With Hydroponic Basil leading the way, the Company continues to demonstrate its vision for a healthier, more sustainable future in food.

The Global Produce & Floral Show, organized by the International Fresh Produce Association, is expected to draw over 20,000 attendees, 1,100+ exhibitors, and decision-makers from 70+ countries. This event brings together professionals from every link of the fresh produce and floral supply chains—growers, retailers, wholesalers, tech/supply vendors, and more—for networking, education, and business innovation on a global scale.

ABOUT EDIBLE GARDEN®

Edible Garden AG Incorporated is a leader in controlled environment agriculture (CEA), delivering locally grown, organic, better-for-you, sustainable produce and products through its Zero-Waste Inspired® next-generation farming model. Available in over 5,000 retail locations across the United States, Caribbean, and South America, Edible Garden is at the forefront of the CEA and sustainability technology movement, distinguished by its advanced safety-in-farming protocols, sustainable packaging, patented GreenThumb software, and innovative Self-Watering in-store displays. The Company operates state-of-the-art, vertically integrated greenhouses and processing facilities, including Edible Garden Heartland in Grand Rapids, Michigan; Edible Garden Prairie Hills in Webster City, Iowa; and its headquarters at Edible Garden Belvidere in New Jersey. It also partners with a network of contract growers strategically located near major U.S. markets to ensure freshness and reduce environmental impact.

Edible Garden’s proprietary GreenThumb 2.0 software—protected by U.S. Patents US 11,158,006 B1, US 11,410,249 B2, and US 11,830,088 B2—optimizes vertical and traditional greenhouse growing conditions while aiming to reduce food miles. Its patented Self-Watering display (U.S. Patent No. D1,010,365) is designed to extend plant shelf life and elevate in-store presentation. In addition to its core CEA operations, Edible Garden owns three patents in advanced aquaculture technologies: a closed-loop shrimp farming system (US 6,615,767 B1), a modular recirculating aquaculture setup with automated water treatment and feeding (US 10,163,199 B2), and a sensor-driven ammonia control method utilizing electrolytic chlorine generation (US 11,297,809 B1).

The Company has been recognized as a FoodTech 500 firm by Forward Fooding, a leading AgriFoodTech organization, and is a Giga Guru member of Walmart’s Project Gigaton sustainability initiative. Edible Garden also develops and markets a growing line of nutrition and specialty food products, including Vitamin Way® and Vitamin Whey®—plant and whey protein powders—and Kick. Sports Nutrition, a premium performance line for health-conscious athletes seeking cleaner, better-for-you options. The Company’s offerings further include fresh, sustainable condiments such as Pulp fermented gourmet and chili-based sauces, as well as Pickle Party, a collection of fermented fresh pickles and krauts.

Learn more at https://ediblegardenag.com.
For Pulp products, visit https://www.pulpflavors.com.
For Vitamin Whey® products, visit https://vitaminwhey.com.
For Kick. Sports Nutrition products, visit https://kicksportsnutrition.net/

Watch the Company’s latest corporate video here.

Forward-Looking Statements

This press release contains forward-looking statements, including with respect to the Company’s growth strategies, the Company’s ability to improve its financial results, and performance as a public company. The words “believe,” “design,” “expect,” “intend,” “objective,” “seek,” “strategy,” “will,” and similar expressions are intended to identify forward-looking statements. These forward-looking statements are subject to a number of risks, uncertainties, and assumptions, including market and other conditions, the Company’s ability to achieve its growth objectives, and other factors set forth in the Company’s filings with the Securities and Exchange Act Commission, including the Company’s annual report on Form 10-K for the year ended December 31, 2023 and subsequent quarterly reports. Actual results might differ materially from those explicit or implicit in the forward-looking statements. The Company undertakes no obligation to update any such forward-looking statements after the date hereof to conform to actual results or changes in expectations, except as required by law.

Investor Contacts:
Crescendo Communications, LLC
212-671-1020
[email protected]

2025 Global Produce & Floral Show, Booth #1856

2025 Global Produce & Floral Show, Booth #1856
2025 Global Produce & Floral Show, Booth #1856

Advanced Micro Devices (NASDAQ:AMD) stock surged by almost 50% between 7/17/2025 and 10/15/2025. The gains come on the back of improving earnings, a recovering CPU market and surging interest in GPUs for artificial intelligence applications. AMD also recently snagged a high profile deal with ChatGPT maker OpenAI, to supply tens of thousands of its GPU chips for 6 gigawatts of computing capacity over the next five years.

Lisa Su, chairwoman and CEO of Advanced Micro Devices (AMD), delivers the opening keynote speech at Computex 2024, Taiwan's premier tech expo, in Taipei on June 3, 2024. (Photo by I-Hwa CHENG / AFP) (Photo by I-HWA CHENG/AFP via Getty Images)

AFP via Getty Images

From a quantitative perspective, the gains were mainly influenced by a 19.3% shift in the company's Net Income Margin (%). While there is more to this story than just figures, let's first analyze the stock price movement by breaking it down into its contributing factors.

Key Metrics

Trefis

Investing in individual stocks can be daunting, but there is great advantage in adopting a more diversified approach, such as with the Trefis High Quality Portfolio. Trefis collaborates with Empirical Asset Management – a Boston-based wealth management firm – whose asset allocation strategies have yielded positive returns during the 2008-09 period when the S&P experienced a loss of over 40%. Empirical has integrated the Trefis HQ Portfolio within this asset allocation framework to offer clients superior returns with reduced risk compared to the benchmark index; it provides a smoother investment experience, as demonstrated by HQ Portfolio performance metrics.

Returning to the “change”: The shifts in fundamental factors such as valuation, revenue, and margins reveal a deeper narrative regarding the business and investor sentiment. Below, we highlight key developments that impacted the price movement of AMD stock. To provide context: AMD offers x86 microprocessors, accelerated processing units, chipsets, discrete and integrated GPUs, data center and professional GPUs, as well as development services across computing, graphics, enterprise, embedded, and semi-custom segments.

Here Is Why Advanced Micro Devices Stock Moved

AMD reported record second-quarter 2025 revenue of $7.7 billion, marking a 32% year-over-year increase that surpassed expectations mainly due to robust sales of EPYC and Ryzen processors. However, the company fell short of EPS estimates, posting $0.48 against the expected $0.54, partly due to an $800 million charge relating to U.S. export controls on MI308 AI chips to China.The company provided an optimistic revenue forecast for Q3 2025 of approximately $8.7 billion, exceeding Wall Street predictions and indicating a healthy 28% year-over-year growth, propelled by strong demand in its Data Center segment and the launch of its Instinct MI350 series GPUs.Investor confidence was significantly heightened by important AI chip agreements, including a multi-year partnership with OpenAI to supply Instinct GPUs for its AI infrastructure, potentially generating tens of billions in revenue, and Oracle Cloud Infrastructure’s plan to roll out 50,000 AMD Instinct MI450 Series AI chips beginning Q3 2026. These announcements contributed to AMD’s stock jumping by 27% to 33% during pre-market trading alongside analyst upgrades.Multiple analysts increased price targets and held “Buy” or “Outperform” ratings for AMD, indicating a positive sentiment driven by the company's competitive AI product portfolio, market share gains in server CPUs (achieving an all-time high of 39% in Q2 2025), and a solid product roadmap with the pending MI450 series.Despite the positive outlook, insider stock sales by senior executives, including CEO Lisa T. Su and SVP Ava Hahn in October 2025, indicated a reduction in their ownership, which may raise concerns among investors.
Our Current Assessment Of AMD Stock

Opinion: At the moment, we regard AMD stock as relatively pricey. Why is that? For an in-depth analysis, read Buy or Sell AMD Stock to understand the basis of our current view.

Risk: AMD is also vulnerable to significant downturns. It dropped about 83% during the Dot-Com crash and nearly 91% in the Global Financial Crisis. The corrections in 2018 and inflation shock caused losses of 49% and 65%, respectively. Even the Covid sell-off was harsh, erasing over 34%. While solid fundamentals are important, during market downturns, AMD has demonstrated its capacity to incur substantial losses.

Consistently identifying winners is not an easy endeavor, particularly given the volatility associated with individual stocks. Conversely, the Trefis High Quality (HQ) Portfolio, featuring a collection of 30 stocks, has a demonstrated history of outperforming the S&P 500 over the past four years. What is the reason for this? On average, HQ Portfolio stocks yielded better returns with less risk compared to the benchmark index; resulting in a smoother investment journey, as seen in HQ Portfolio performance metrics.

Key Takeaways DOCU's subscription model and partnerships with Salesforce and Microsoft fuel steady global growth.
RDDT gains momentum from user engagement, AI-driven tools and advertiser integrations like Smartly.io.
FICO expands with new scoring models and robust SaaS adoption, driving strong revenue and earnings growth.
The recent bull market on Wall Street has shown no signs of abatement even after three years. Although most of the rally has been driven by an unprecedented adoption of generative artificial intelligence (AI) technology across the world, cyclical sectors, such as industrials, financials, consumer discretionary and utilities have also taken part. 

The bull run is expected to continue in the near future supported by a resilient U.S. economy, a declining inflation rate, solid earnings results, and the Fed’s re-initiation of a low-interest rate regime and accommodative monetary policies.

Despite the rally, several technology stocks have slid from their 52-week highs and are currently available at attractive valuations. Here we recommend three such stocks with a favorable Zacks Rank. These are: DocuSign Inc. (DOCU - Free Report) , Reddit Inc. (RDDT - Free Report) and Fair Isaac Corp. (FICO - Free Report) . Each of our picks currently sports a Zacks Rank #1 (Strong Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.

DocuSign Inc.DocuSign’s strength lies within its subscription revenues, which have accounted for the majority of its top line over the past three years. DOCU continues to translate its selling expenses into international growth efficiently. 

The same can be said about its R&D focus, which has driven product enhancements, improved customer experience and helped retain a growing customer base. DOCU’s strong relationships with tech giants like Salesforce and Microsoft further support this ecosystem. DOCU has deepened its relationships with tech giants such as Salesforce and Microsoft.

DocuSign has an expected revenue and earnings growth rate of 7.1% and 3.9%, respectively, for the current year (ending January 2026). The Zacks Consensus Estimate for the current-year earnings has improved 0.5% over the last 30 days.

DOCU is currently trading at a 37% discount from its 52-week high. The short-term average price target of brokerage firms for the stock represents an increase of 37.3% from the last closing price of $67.91. The brokerage target price is currently in the range of $70-$124. This indicates a maximum upside of 82.6% and no downside.

Reddit Inc.Reddit is a social media and community-led platform that enables real-time discovery, conversation and engagement across a wide range of interest-based forums. RDDT is benefiting from strong growth in user engagement, including rising daily and weekly active users, ARPU gains and expanding advertiser tools like DPA, Reddit Pixel and CAPI. 

RDDT’s AI-powered features, including Reddit Answers, are key catalysts in enhancing content discovery and personalization. Reddit Answers has more than six million weekly users. RDDT aims to deepen advertiser onboarding and improve campaign outcomes through integrations with Smartly.io and Meta Platforms’ campaign import tool. AI infusion is driving the international user base, which is noteworthy.

Reddit has an expected revenue and earnings growth rate of 58.6% and more than 100%, respectively, for the current year. The Zacks Consensus Estimate for current-year earnings has improved 0.5% in the last 30 days. 

RDDT is currently trading at a 40.9% discount from its 52-week high. The short-term average price target of brokerage firms for the stock represents an increase of 11.8% from the last closing price of $200.76. The brokerage target price is currently in the range of $110 to $300. This indicates a maximum upside of 49.4% and a downside of 45.2%.

Fair Isaac Corp.Fair Isaac is benefiting from strong financial performance driven by robust growth in its Scores and Software segments. FICO has expanded its scoring models to incorporate ‘Buy Now, Pay Later’ loan data, enhancing the predictive accuracy of FICO scores. 

Advancements in credit modeling, including the development of FICO Score 10T for non-GSE mortgages, present significant growth opportunities. The Software segment has demonstrated strength, with increased adoption of SaaS and license revenues indicating strong platform engagement. FICO's Lenders Leading Inclusion Program supports lenders in making better decisions.

Fair Isaac has an expected revenue and earnings growth rate of 19.6% and 30.7%, respectively, for the current year (ending September 2026). The Zacks Consensus Estimate for current-year earnings has improved 0.1% in the last 30 days. 

FICO is currently trading at a 31.9% discount from its 52-week high. The short-term average price target of brokerage firms for the stock represents an increase of 21.1% from the last closing price of $1,636.65. The brokerage target price is currently in the range of $1,047 to $2,400. This indicates a maximum upside of 46.6% and a downside of 36%.

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Ninth annual study evaluates 11 leading providers, highlighting industry growth amid policy changes and improved offerings

CHICAGO--(BUSINESS WIRE)--Morningstar, Inc. (Nasdaq: MORN), a leading provider of independent investment insights, today published its ninth annual Health Savings Account (HSA) Landscape Report, offering an in-depth analysis of industry trends and assessments of the top HSA providers available to individuals. The report evaluates 11 providers on two use cases: as spending accounts for current medical costs and as long-term investment accounts.

The report delves into how new developments – such as the passing of the One Big Beautiful Bill Act and advancements in artificial intelligence – could have meaningful impacts on the HSA industry. Additionally, fee competition remains a key factor in driving down costs for investors and expanding the range and quality of HSA offerings.

“In nearly a decade of research, we’ve seen the HSA industry mature considerably as more individuals take advantage of the powerful tax advantages and long-term savings potential these accounts offer,” said Greg Carlson, senior manager research analyst. “Progress is uneven, however, with some major providers still falling short in meeting investor needs. Our ratings shine a light on firms that prioritize transparency, usability, and true investor stewardship, helping people better manage the rising costs of healthcare.”

The report’s key takeaways and full provider assessments are below.

Key Takeaways

HSA assets grew to $146 billion in 2024, marking an 18% year-over-year increase. The attractive tax benefits of HSAs and the widespread adoption of high-deductible health plans (HDHPs) continue to drive growth.

The enactment of the One Big Beautiful Bill Act in July 2025 will broaden the accessibility of HSAs and could expand the number of participants by three to four million. Rising contribution limits are also strengthening the appeal of HSAs.

Fidelity maintains its position as industry leader, receiving a High assessment for its spending and investment account offerings. It has distinguished itself with transparent, low-cost pricing, no investment minimums, and the highest available interest rate among the providers evaluated.

Just four providers – Fidelity, HealthEquity, HSA Bank, and Saturna – earned Above Average assessments or better across both spending and investment accounts, signaling opportunity for broader industry improvement in transparency and ease of use.

Advancements in AI could support industry improvements, as several provider executives indicated increased investment in the technology to help enhance users’ online experience and provide participants with more personalized data and recommendations.

HSAs offer significant tax advantages – better than those of 401(k)s, IRAs, and 529 plans. Contributions are tax-deductible, and growth, dividends, and interest are tax-exempt. Withdrawals for qualified medical expenses are also tax-free.

Assessments

HSA Provider

Spending Account Overall

Assessment

Investment Account Overall

Assessment

Associated Bank

Average

Above Average

Bank of America

Below Average

Above Average

Fidelity

High

High

First American Bank

Above Average

Average

HealthEquity

Above Average

Above Average

HSA Bank*

Above Average

Above Average

Lively

Above Average

Average

Nuesynergy

Average

Above Average

Optum

Below Average

Average

Saturna

Above Average

Above Average

UMB

Above Average

Average

*HSA Bank is Morningstar, Inc.’s HSA plan provider.

Access the Full Report

Read the full HSA Landscape Report, including detailed assessments, methodology, and insights.

View a summary article on Morningstar.com.

About Morningstar, Inc.

Morningstar, Inc. is a leading provider of independent investment insights in North America, Europe, Australia, and Asia. The Company offers an extensive line of products and services for individual investors, financial advisors, asset managers and owners, retirement plan providers and sponsors, institutional investors in the debt and private capital markets, and alliances and redistributors. Morningstar provides data and research insights on a wide range of investment offerings, including managed investment products, publicly listed companies, private capital markets, debt securities, and real-time global market data. Morningstar also offers investment management services through its investment advisory subsidiaries, with approximately $352 billion in AUMA as of June 30, 2025. The Company operates through wholly- or majority-owned subsidiaries in 32 countries. For more information, visit www.morningstar.com/company. Follow Morningstar on X (formerly known as Twitter) @MorningstarInc.

Morningstar’s Manager Research Group

Morningstar’s Manager Research Group consists of various wholly owned subsidiaries of Morningstar, Inc. including, but not limited to, Morningstar Research Services LLC. Morningstar Manager Research provides independent, fundamental analysis on managed investment strategies. Morningstar views are expressed in the form of Morningstar Medalist Ratings, which are derived through research of three key pillars—People, Process, and Parent. The Morningstar Medalist Rating is the summary expression of Morningstar’s forward-looking analysis of investment strategies as offered via specific vehicles using a rating scale of Gold, Silver, Bronze, Neutral, and Negative. A global research team issues detailed research reports on strategies that span vehicle, asset class, and geography.

Medalist Ratings are not statements of fact, nor are they credit or risk ratings, and should not be used as the sole basis for investment decisions. A Medalist Rating is not intended to be nor is a guarantee of future performance. This press release is for informational purposes only; references to securities should not be considered an offer or solicitation to buy or sell the securities.

©2025 Morningstar, Inc. All rights reserved.

MORN-R

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