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Why sit around and wait all quarter long for a dividend payment where there are monthly dividend stocks available?

Monthly divvies are where the retirement party is at! These income “cheat codes” arrive alongside our bills and recurring expenses. What a concept!

But be careful because some monthly payers don’t pay enough to matter. Take Permian Basin Royalty Trust (PBT), which pays monthly but these divvies add up to just 1.2% annually. Gee, thanks.

PBT Dividend Yield

Ycharts

We need monthly payers that are committed to maximizing not just the frequency of shareholder rewards, but the size of the payout. And we need to shoot high—we shouldn’t settle for anything less than what it would take to retire on dividends alone.

Fortunately for us, many monthly dividend stocks fall within the high-yield acronyms: real estate investment trusts (REITs), business development companies (BDCs) and the like.

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Today, for instance, I’ve put together a five-pack of monthly dividends that shell out an average of 10.6% annually. That means even half a million bucks evenly invested across them would generate a hefty “salary” of $53,000.

Monthly Payers

Contrarian Outlook

Let’s take a look.

Monthly Dividend #1: Healthpeak Properties (DOC)I’ll start with Healthpeak Properties (DOC), a healthcare REIT whose roughly 690 properties include outpatient medical facilities and laboratories, which are leased out to biopharma firms, health systems, physician groups, medical device manufacturers and more.

Healthpeak also deals in senior housing, albeit not as directly as it did just a few months ago. In March, DOC spun off that part of the business with an initial public offering of Janus Living (JAN). It wasn’t a full exit, however. Healthpeak not only retained more than 80% of the newly formed REIT, but it also is Janus’s external manager.

A couple months later, DOC received a much-needed jolt after reporting better-than-expected earnings and upgrading its funds from operations (FFO) outlook. Among the reasons for management’s optimism: The senior housing environment is improving, Janus appears primed to aggressively invest, and a weak laboratories market showed small signs that it’s starting to inflect.

And just this week, Healthpeak announced a $2.1 billion joint venture with Brookfield Asset Management (BAM) that will help DOC to pay down nearer-term debt (though it could be a short-term weight on earnings, too).

Healthpeak’s stock has delivered a year-to-date total return of almost 45% thanks to its summer ramp-up. It’s a welcome development for shareholders that have suffered through a decade-plus downtrend. However, new money is now buying a yield that’s well below historical highs and closer to a longer-term middle ground, while the P/FFO has wafted to just above 13—not wildly overpriced, but not discount territory either.

Monthly Dividend #2: Itau Unibanco Holding (ITUB)Most international companies pay dividends just once or twice a year, and some will even do a lopsided interim-and-final system. That’s practically useless for income planning.

Itaú Unibanco Holding (ITUB) isn’t exactly a conventional payer itself, but it at least doles out something each and every month.

Itaú Unibanco is the largest bank by assets in both Brazil and all of Latin America. It offers consumer banking products like credit cards and loans, but also commercial banking, advisory, real estate lending, life insurance and more. And while it’s headquartered in Brazil, it has operations across the Americas and Europe.

The company has printed bigger top and bottom lines every year since 2020, and it’s coming off a record-breaking first quarter in which it posted a $2.5 billion profit and a return on equity of around 25%. The company is also one of the region’s leaders in digital assets, giving it another potential growth avenue.

ITUB’s distributions are tied to performance, so Itaú Unibanco has increasingly been sharing the wealth with its stockholders. But while it pays much more frequently than most, it still has an odd system.

I’ve written several times about companies with regular-and-supplemental dividend programs. Itaú goes a step farther. The company distributes small monthly payments of “interest on capital” (IOC), but it will also make larger additional IOC payments throughout the year as able, then an actual dividend—usually its biggest payment—once a year.

The monthly payment only comes out to less than half a percent’s worth of yield; the real money is in those larger IOC distributions and the dividend. So while the dividends are a nice sweetener for investors who like ITUB for its growth potential, it’s not an ideal situation for retirement planners reliant on regular income.

Monthly Dividend #3: Gladstone Investment (GAIN)Let’s shift to business development companies, starting with one that has a regular-and-supplemental system like ITUB (but with a much more substantial baseline of income).

For the unfamiliar: BDCs were created by Congress in 1980 to spur investment in small businesses. Traditional banks often shunned smaller companies, either charging extremely high rates to compensate for the risk or outright refusing to lend to them. Enter BDCs, which provide equity, debt and other financing to small businesses that otherwise might not be able to raise capital.

Gladstone Investment (GAIN), for instance, provides financing to lower-middle-market companies that generate EBITDA (earnings before interest, taxes, depreciation and amortization) of between $4 million and $15 million annually, have attractive fundamentals and are run by strong management teams.

GAIN runs a small portfolio of just 29 investment companies right now, largely clustered in the business/consumer services, consumer products and manufacturing industries. Its investments include Phoenix Door Systems (industrial doors), ImageWorks Display (retail display shelving) and Old World Christmas (holiday-geared retail).

Gladstone Investment also stands out for its deal mix. Like with most BDCs, the majority of Gladstone’s financing is debt-based, and currently, all of that debt is floating-rate in nature. But GAIN is happier than most to deal in equity. Gladstone says the average BDC’s equity exposure is between 5% and 10%; its target is closer to 25%. This shields GAIN from interest-rate declines but puts it behind the 8-ball when rates climb.

There’s plenty to like from an operational standpoint. Net asset value has grown by nearly 30% between its fiscal Q1 and its recently reported fiscal Q4. Return on equity is consistently in the double digits and above peers.

The dividend is best described as “good with the potential for greatness.” GAIN’s monthly dividend comes out to a little less than 6%, which is high compared to the average stock and far better than what ITUB offers, but low relative to the BDC space. However, Gladstone Investment also pays supplemental distributions when it locks in gains from its equity investments.

Right now, for instance, Gladstone Investment has gone roughly a year since its last supplemental. It might pay one later this year. It might do so in early 2027. It might be even longer; it’s hard to tell.

Still, it’s a decent income baseline with the potential for more, and it’s paid out by one of the industry’s better names. Pricing could be better, though, with GAIN shares currently trading right around the BDC’s net asset value.

Monthly Dividend #4: PennantPark Floating Rate Capital (PFLT)PennantPark Floating Rate Capital (PFLT) is another BDC that provides financing primarily via floating-rate senior secured loans—mostly first lien—but also through some equity and joint venture investments. Its target companies generate $10 million to $50 million in annual EBITDA.

This “value-added” BDC lends its expertise in specific industries, hence its portfolio focus on five categories: healthcare, consumer, business services, government services and software/technology.

Earlier this year, I wrote that PennantPark Floating Rate’s dividend has routinely outstripped its net investment income (NII), and did so again to close out 2025. The company insisted then that it could keep covering the payout.

PFLT adjusted its monthly dividend program from 10.25 cents per share to an 8-cent regular, as well as supplemental dividends (50% of excess earnings). The first two supplemental dividends since the reduction were 0.33 cents apiece.

But not all dividend cuts are created equally. In the case of PFLT, its dividend cut is more a reflection of lower base rates than any underlying portfolio issues. In fact, the company’s credit quality is high relative to the sector, and sponsor investment activity is improving. Moreover, PFLT continues to trade for a song, priced at a 32% discount to NAV.

Monthly Dividend #5: Invesco Mortgage Capital (IVR)It’s hard to find better yields than in the mortgage REIT (mREIT) space, where double-digit payouts are the norm.

Mortgage REITs borrow at short-term rates, purchase mortgages paying long-term rates, then pocket the spread. Short-term rates are usually lower than long-term rates. But the ideal scenario is that short-term rates are also declining while long-term rates hold steady or also decline. In that scenario, mREITs’ existing mortgages, which were issued when rates were higher, will yield more than newly issued ones (and thus be worth more). On the flip side, rising rates weigh on the value of existing mortgages.

Invesco Mortgage Capital (IVR), for instance, owns “agency” mortgage-backed securities (MBS) from entities like Fannie Mae and Freddie Mac. These securities feel interest-rate pressure too, but it’s not as great because their MBSs are backed by the agencies, and thus they have virtually no default risk. I’ll also note that rising interest rates reduce the risk of prepayment, mostly because mortgage holders are less likely to refinance.

While Invesco Mortgage Capital yields a mouth-watering 18%, mortgage REITs historically have been prone to unstable dividends, and IVR is no different.

Near the end of 2025, IVR announced a modest 6% dividend hike to 36 cents per share to be paid in January. But in January, the company announced it would start to issue monthly dividends of 12 cents per share (so, the same amount each quarter).

Invesco Mortgage Capital has mostly underperformed its peers since COVID, but it has behaved much better over the past year or so. Dividend coverage, per its “earnings available per distribution” (EAD), is fine for now, too. But despite an effectively flat year-to-date performance (even accounting for its massive payout), shares trade at a thin discount to its shrinking book value.

Intel: Steady Scale in RevenueIntel (INTC -7.89%) primarily generates revenue by designing, manufacturing, and selling computing processors, graphics units, and edge computing systems to equipment manufacturers and service providers internationally.

It recently announced restructuring and workforce reductions to reduce organizational complexity, and for the quarter ended June 27, 2026, it reported a net income margin of approximately -68%.

IonQ: Accelerating Revenue GrowthIonQ (IONQ -3.76%) primarily earns revenue by developing general-purpose quantum computing systems and providing access to them through prominent third-party and proprietary cloud services.

It launched a commercial satellite monitoring capability and secured a regional network agreement, while reporting an EBIT margin of approximately -420% for the quarter ended March 31, 2026.

Why Revenue Matters for Retail InvestorsMonitoring revenue allows investors to evaluate a company's ability to attract customers and generate sales over time. This metric helps to measure a company’s overall size, market footprint, and long-term trajectory.

Quarterly Revenue for Intel and IonqQuarter (Period End)Intel RevenueIonQ RevenueQ3 2024$13.3 billion (period ended Sept. 2024)$12.4 million (period ended Sept. 2024)Q4 2024$14.3 billion (period ended Dec. 2024)$11.7 million (period ended Dec. 2024)Q1 2025$12.7 billion (period ended March 2025)$7.6 million (period ended March 2025)Q2 2025$12.9 billion (period ended June 2025)$20.7 million (period ended June 2025)Q3 2025$13.7 billion (period ended Sept. 2025)$39.9 million (period ended Sept. 2025)Q4 2025$13.7 billion (period ended Dec. 2025)$61.9 million (period ended Dec. 2025)Q1 2026$13.6 billion (period ended March 2026)$64.7 million (period ended March 2026)Q2 2026$16.1 billion (period ended June 2026)Not yet reportedData source: Company filings. Data as of July 24, 2026.

Foolish TakeAs the veteran technology company, Intel’s revenue towers over IonQ. However, despite the tailwind provided by the artificial intelligence boom, Intel has struggled to capitalize on the trend. That is, until CEO Lip-Bu Tan entered the picture in 2025.

Under Tan, Intel made new foundry deals and partnerships, such as its multi-year collaboration with Google parent Alphabet. Now, the company’s sales are showing revenue acceleration. In the first quarter, its sales of $13.6 billion represented 7% year-over-year growth. In Q2, its $16.1 billion was a 25% year-over-year increase. This indicates the changes under Tan are helping Intel to capture AI spending.

The up-and-coming IonQ is working on nascent quantum computing technology, which is why its sales are so much smaller than Intel’s. Even so, its revenue is accelerating at a far greater pace as organizations begin to adopt quantum computers. The company’s Q1 sales of $64.7 million represented a whopping 755% year-over-year increase.

IonQ is putting the pieces together to deliver comprehensive quantum computing solutions, from quantum cybersecurity to quantum computers in space. The company claims to be the first to launch a citywide quantum computing network in Geneva. If it can continue the current trend of rapid revenue growth, IonQ is poised to become a major player in the field.

Robert Izquierdo has positions in Alphabet, Intel, and IonQ. The Motley Fool has positions in and recommends Alphabet, Intel, and IonQ. The Motley Fool has a disclosure policy.

Gold Talking Points: While fundamentals often have drive on big picture trends, the relationship is imperfect. More pressing is positioning and how near-term fundamentals change or continue current themes, and when an overbought trend suddenly faces a change-in-pace, the counter-trend move can be sizable. This explains gold price action so far in 2026.

As we came into the year gold was all the rage. Bitcoin seemed to be an afterthought but with the metal pushing into the $4500 level before the end of last year you didn’t have to look far for forecasts to $6k. And even then, that seemed to be the prudent ones. January went along with that tune, at one point running as high as 31% from the low to the high. But that’s when the proverbial music stopped with a massive sell-off over the next couple of days of as much as 21%.

It’s environments like those that make the efficient market hypothesis nonsensical to defend. And for an outside observer, it can look like a clear display of chaos theory at work. But, the reality is we can condense the ‘whys’ behind the move, and it begins to make a bit more sense.

With a Fed that seemed unconcerned with inflation and a Federal Government unbothered by debt load, gold prices were a natural venue to park capital.

But as the war in Iran brought another inflationary factor into the mix, and as oil prices scaled higher and higher, there was suddenly another concern to deal with, and it’s been the pricing in of that, with the prospect of higher rates in the US, that has had a dominating impact on gold price action so far this year.

Gold Weekly Chart Chart prepared by James Stanley; data derived from Tradingview Gold Loves Lower Real Rates Gold has no yield, and the primary prospect of profit is the ability to sell it at a higher price down the road. This differs quite a bit from other investments that will serve as a storage place for capital, such as bonds. Bonds carry a yield. You earn money simply for being invested in them. And as such, they act as a magnet for capital when they’re high enough that the rate of return is attractive.

After all, this was part of the design of QE…

With the Fed buying bonds in the open marketplace prices went up, and yields went down. If you’re an investor, now you have a much less attractive spot to park your capital. So, what are you going to do, especially when real rates of return for holding a Treasury narrows to lower and lower amounts? You’re probably going to look for somewhere else to invest that capital, like stocks, or perhaps even gold.

This is why gold jumped back in February of 2024 as Austan Goolsbee dismissed the continued above-target inflation prints. It showed the Fed had little tolerance for higher rates, even if their own mandate necessitated that. The expectation for inflation was higher, and the expectation for rates was lower, thus, there was even less incentive for capital to flow into Treasuries or bond-based investments and, instead, that capital pushed into a non-yielding instrument like gold in anticipation of what would happen next.

This is also why gold rallied so hard after the response to the financial collapse, as that QE mechanism made alternatives far less attractive.

Gold Monthly Chart Chart prepared by James Stanley; data derived from Tradingview What’s Gold Saying Now If gold is looking around the next corner, it’s currently telling us that there may be a mistake in the not-too-distant future, in the form of inflation.

As the Iran war drags on and as the SPR has drained a significant amount of supply, runaway oil prices threaten to drive inflation to the point where the Fed cannot ignore it, much like we saw back in 2022 which was the last time that gold held a prolonged bearish trend, until this year, at least.

We can see this starting to play out in US Treasuries as the 30-year sits on the verge of fresh 17-year highs in yield, and the 10-year carries similar breakout potential. As those instruments jump to higher yields there’s a larger and larger opportunity cost for holding capital reserves in a non-yielding asset, such as gold, particularly when the possibility of selling it down the road for a higher price is less likely than it was a year ago.

It’s not a foregone conclusion yet, of course, as matters can change quickly on this front. But so far Kevin Warsh has sounded much more hawkish than markets were expecting, although I think this can be explained away fairly easily by the fact that he’s trying to retain the idea of Fed independence after the lead-in to his nomination saw it very much come into question.

For next week, I think that’s where the game is for gold. If Warsh comes off as overly hawkish at the FOMC meeting on Wednesday, there’s even more reason for longer-term bulls to cut bait, and for prices to tilt back below the $4k level. That could very easily lead to the first close below the big figure since late last year.

But, if stocks are still on their back foot I don’t think this is an envelope that he wants to push that hard. I think that he’ll back off of the hawkish talk during the press conference and that can allow for stocks to find some sense of support, the Dollar to pull back which would mean a lot given the BoJ meeting a day later, and that could allow gold prices to find a bounce.

This isn’t to say that sellers will be completely finished in gold, as I’ve been saying, I think we need to see the $4200 level get taken out first before we can start to posit that a bottom might be in. But given the calendar for next week and the price action in gold, there’s an open door for this scenario to play, and that’s my base case for expectations into the July FOMC meeting.

Gold Daily Price Chart Chart prepared by James Stanley; data derived from Tradingview --- written by James Stanley, Senior Market Analyst, Global Macro

Ali Dasdan, Chief Technology Officer of Dropbox, Inc. (DBX +2.67%), reported a sale of 12,972 shares on July 14, 2026, according to an SEC Form 4 filing.

Transaction summaryMetricValueTransaction value$389,160Shares sold (directly held)12,972Post-transaction shares (directly held)~501,639Post-transaction value~$15.03 millionTransaction value based on SEC Form 4 weighted average sale price ($30.00); post-transaction value based on July 14, 2026 market close ($29.97).

Key questionsWhat was the context for this equity disposition?
The sale was conducted through a pre-arranged Rule 10b5-1 trading plan established in May 2025, which allows insiders to execute trades according to predetermined schedules to avoid potential conflicts involving non-public information.How does this transaction impact the CTO's long-term alignment with the company?
Despite the sale of 12,972 shares, Dasdan retains a significant direct interest of ~501,639 shares; furthermore, the executive holds restricted stock units with vesting schedules extending through November 15, 2030, ensuring ongoing exposure to long-term performance milestones.What are the fundamental financial metrics for Dropbox currently?
The company reports trailing twelve-month revenue of $2.5 billion and net income of $472.6 million, while the stock has delivered an 11% return over the 12-month period ending on the July 14, 2026 transaction date.What is the market valuation of the executive's remaining direct equity?
At the July 15, 2026 market close price of $30.35 per share, the executive's ~501,639 directly held shares represent a total market value of approximately $15.2 million.Company OverviewMetricValueShare Price (as of market close 2026-07-15)$30.35Market Capitalization$7.7 billionRevenue (TTM)$2.5 billionNet Income (TTM)$472.6 millionCompany SnapshotDropbox provides comprehensive file backup, synchronization, and sharing solutions through its integrated platform, which includes specialized products such as Dropbox Sign for digital signatures, Dropbox Dash for unified search and discovery, Dropbox Reclaim.ai for calendar management, and DocSend for document tracking and analytics.The company operates a subscription-based business model that generates recurring revenue from both individual users and enterprise customers through tiered pricing structures, with additional revenue streams derived from specialized vertical solutions and premium features.Dropbox serves a diverse customer base ranging from individual consumers and small businesses to large enterprises across multiple industries, with particular strength in professional services, financial services, and technology sectors requiring robust content collaboration capabilities.Dropbox maintains a market capitalization of $7.7 billion with TTM revenue of $2.5 billion and net income of $472.6 million, reflecting strong profitability and operational efficiency in the cloud storage and content collaboration sector.

The company's diversified product portfolio extends beyond traditional file storage to encompass specialized workflow solutions, positioning it as a comprehensive platform for enterprise content management and collaboration. With 2,113 employees and a one-year stock appreciation of 10.63%, Dropbox demonstrates sustained market confidence in its ability to capture growth opportunities within the expanding digital workplace infrastructure market.

What this transaction means for investorsThe July 14 sale of Dropbox stock by CTO Ali Dasdan was a non-discretionary transaction executed as part of his Rule 10b5-1 trading plan. This suggests the disposition is not a red flag for investors. In addition, Dasdan maintained a substantial equity stake in the company post-transaction, with over half a million directly-held shares.

Dasdan’s sale occurred at a time when Dropbox stock was on an upswing. Shares were near their 52-week high of $32.40 when the CTO sold for a weighted average price of $30.00 per share.

Dropbox stock was up due to solid performance in the first quarter. Revenue rose to $629.5 million, up from $624.7 million in 2025, with a gross margin of nearly 80%. The company is also profitable with Q1 net income of $114.5 million.

Dropbox introduced new artificial intelligence tools to make working with its solutions easier and more efficient for customers. Its customer base has remained steady over the past three years at over 18 million subscribers through 2025.

Robert Izquierdo has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Dropbox. The Motley Fool has a disclosure policy.

Medpace Holdings demonstrates strong Q2 2026 net new business awards, with a 1.13x net book-to-bill and $3.0B backlog. Oncology bookings are robust, while cardiometabolic awards have declined; management expects mix normalization over the next year. Guidance is lifted on improved RFP trends, biotech funding breadth, and moderated cancellations, supporting growth momentum into 2027.

Being president is a decent gig. Being president while your family runs a billion-dollar crypto operation is, apparently, an even better one.

President Donald Trump’s 2025 financial disclosure revealed income exceeding $1 billion from digital asset ventures during his first year back in the White House. Estimates peg the total somewhere between $1.2 billion and $1.43 billion, with the bulk flowing from two sources: the family’s World Liberty Financial project and the infamous $TRUMP meme coin.

The disclosure has thrown a wrench into already fragile bipartisan negotiations over the Clarity Act, the sweeping market structure bill that was supposed to give the crypto industry its regulatory framework. Democrats now want the bill rewritten with provisions specifically designed to prevent sitting presidents and their families from cashing in on digital assets. The legislation, as of late July 2026, is going nowhere.

Follow the money The numbers paint a pretty vivid picture. Roughly $500 million to $594 million of Trump’s crypto income came from World Liberty Financial, the DeFi project his family launched in 2024. WLFI controls 75% of its token sale proceeds, and those proceeds have been flowing generously to Trump-linked entities.

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Another $635 million or so came from the $TRUMP meme coin. Here’s the thing about that number, though: it represents profits that were realized while retail investors were getting obliterated. The $TRUMP token has crashed more than 97% from its peak.

WLFI tokens haven’t fared much better, dropping roughly 80% in value.

The legislative standoff Senator Elizabeth Warren has been leading the Democratic charge, arguing that the current draft of the Clarity Act contains loopholes wide enough to drive a presidential motorcade through. Her core argument is straightforward: a president who profits from crypto has a direct financial incentive to shape crypto regulation in his favor, and the legislation needs to explicitly block that.

Recent Senate drafts have floated a proposal to temporarily ban federal officials from issuing digital assets until 2029. That provision alone has become a dealbreaker for Republicans who view it as overreach, and for some Democrats who think it doesn’t go far enough.

The crypto industry spent years begging Washington for regulatory clarity. Congress finally started delivering, passing the GENIUS Act for stablecoins in 2025. But the broader market structure bill, the one that would actually define how tokens are classified and traded, is now hostage to a political fight that has almost nothing to do with the technology itself.

What this means for investors For the crypto market broadly, the stalled Clarity Act is a significant problem. Without a market structure framework, the industry remains in a regulatory gray zone where enforcement actions substitute for clear rules.

The $TRUMP meme coin’s 97%-plus collapse is a case study in what happens when speculative assets tied to political narratives lose momentum. WLFI’s 80% decline tells a similar story. Even with a direct connection to the most powerful person in the country, the token couldn’t sustain its valuation.

The broader risk is that the Democratic push for stricter ethics provisions, if successful, could create a chilling effect beyond just the president’s portfolio. If legislation ends up restricting how any federal official interacts with digital assets, it could discourage the kind of government engagement the industry has been courting. On the other hand, if the Clarity Act dies entirely because neither side can agree on ethics language, the industry loses the regulatory framework it needs to mature.

Disclosure: This article was edited by Editorial Team. For more information on how we create and review content, see our Editorial Policy.

HYPE, a trending cryptocurrency token, has lost its previous upward momentum, drawing close scrutiny from market participants. With the price breaking below its established uptrend, traders are now watching several key support zones, including $47-$54, $38-$43, and $34, amid rising concerns of a possible deeper sell-off.

Uptrend break shifts trading approachTechnical analyst Michaël van de Poppe has stated that HYPE’s recent technical breakdown calls for a more passive stance on trading the token. He warned that a similar breakdown in an earlier phase saw HYPE fall sharply from €50 to €15, highlighting the risk that comes with a lost trend.

HYPE has lost the uptrend, so I plan to be more passive in my trading. Last time a similar break occurred, price dropped from €50 to €15. There is a time for aggressive moves and a time for patience—right now, caution is needed.

Van de Poppe suggested that, given the present loss of trend, traders may need to wait for clearer price action signals before re-entering the market aggressively. For now, the breakdown remains a cautionary sign for both short-term and longer-term market participants.

Institutional demand zones under reviewCrypto Patel, another prominent market analyst, offered a more optimistic perspective. He identified several lower demand zones—specifically $47-$54 and $38-$43—as areas where institutional buy setups might emerge if HYPE revisits these levels.

HYPE is entering a weekly demand area, with a fair value gap at $47-$54 and a bullish order block between $38 and $43. These zones could attract institutional buyers, even if most traders see current weakness.

According to Crypto Patel, these zones coincide with the 0.382 to 0.5 Fibonacci retracement levels. The technical overlap creates a potential support band where buyers might attempt to defend structure. However, the market needs confirmation from price action before recovery talks can gain traction.

Patel argued that while the token’s structure—marked by a series of higher-highs and higher-lows—remains intact for now, its resilience will be tested within these demand areas. He drew parallels to previous corrections that eventually fueled fresh highs, provided key support holds.

Mini dictionary: Bullish order block – In technical analysis, this refers to a price range where significant buying activity from institutional investors historically occurred, providing a potential support zone during retracements.

$34 seen as key invalidation levelFor a broader trend reversal, Patel set a macro invalidation point at $34. Weekly candle closes below this threshold, which aligns with the 0.618 Fibonacci retracement, would seriously compromise the bullish structure and suggest further downside. Until this level is lost, he views the current pullback as a reset of market liquidity rather than the start of a deeper collapse.

As HYPE consolidates within these technical zones, trader caution remains elevated. If the $47-$54 band gives way, market attention could quickly turn to $38-$43 as the next key level. Below that, the $34 area stands as the final major support before a substantial breakdown could occur.

Support ZoneTechnical SignificancePotential Impact$47-$54Fair value gapFirst area for buyers to step in$38-$43Bullish order blockNext institutional demand zone$34Macro invalidation/Fibonacci 0.618Significant trend reversal risk belowMarket participants now await HYPE’s reaction in these areas, which may determine whether a sustained recovery is underway or if deeper losses remain possible in upcoming sessions.

Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.

Citrini’s Perspective: Recent negative rumors surrounding NAND have been overblown. SanDisk’s low-priced long-term agreement (LTA) is a strategic choice rather than a sign of weak demand, and the firm maintains a bullish outlook on the storage sector.

Citrini analyst Jukan has responded to recent bearish NAND notes and negative rumors about QLC price negotiations circulating in the market. Accepting a price lower than the initial offer when SanDisk signed a long-term agreement (LTA) with Meta is not surprising. As the most active NAND vendor in pursuing LTAs, SanDisk plans to allocate over 50% of its total shipments to such deals. Based on this strategy, it is naturally willing to accept LTA prices lower than current quarterly contract rates, so one cannot infer that "SanDisk cannot seamlessly resell all orders to higher-bidding North American clients." Regarding the rumor that Chinese module manufacturers were rejected when promoting eSSDs to domestic cloud service providers (CSPs), Jukan explained that Chinese CSPs have direct procurement channels from Yangtze Memory Technologies (YMTC) rather than insufficient demand. As for the claim that hyperscale cloud vendors are pressuring down QLC eSSD prices leading to unsold volumes, he noted that new cloud vendors have enough demand to absorb these volumes. Jukan concluded that negative headlines tend to be amplified when storage stocks underperform, but the sector’s fundamentals have not seen substantial deterioration. He reaffirmed his "bullish stance on storage." Earlier, Jukan had stated that DRAM contract prices still have around 40% upside potential by the end of 2027, and HBM supply remains tight. This clarification on the NAND segment further solidifies his bullish outlook for the entire storage space.

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Changxin's pre-IPO price drops to $6, corresponding to an RMB share price of 40.62 yuan on its first day of listing.

According to Hyperinsight’s monitoring, the Pre-IPO contract price of CXMT (Changxin Memory Technologies, whose listed entity is Changxin Technology) on Hyperliquid has fallen to $6, with a more than 5.7% drop in 24 hours. The corresponding RMB share price stands at 40.62 yuan. Calculated based on the post-issue total share count of 66.881 billion shares, the on-chain implied market capitalization is approximately $400 billion, equivalent to around 2.7 trillion yuan. At this valuation, the subscription cost per lot of 500 shares for retail investors who win the online application is 4,330 yuan. The estimated market value of 500 shares on the first day of listing is 20,310 yuan, translating to a profit of roughly 16,000 yuan per lot.

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The latest draft of the CLARITY Act includes an incentive clause for white hat hackers, proposing to offer rewards to individuals who identify security vulnerabilities.

The latest draft of the U.S. Senate’s Cryptocurrency Market Structure Act (the CLARITY Act) includes provisions encouraging white hat hackers to responsibly disclose cybersecurity vulnerabilities, proposing to authorize rewards for individuals who identify and report such flaws to bolster protection for digital asset infrastructure before they are maliciously exploited. The provision incorporates the views of former CFTC Chairman J. Christopher Giancarlo, a long-time advocate for digital asset innovation.

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US tech giants have cut nearly 140,000 jobs this year, with the four leading players' AI capital expenditure totaling $725 billion.

According to statistics from the Financial Times in partnership with Challenger, Gray & Christmas, U.S. tech industry layoffs since 2026 have accounted for more than one-third of all announced layoffs nationwide. Amazon, Oracle, Meta and Microsoft alone have cut nearly 50,000 jobs, roughly 6% of their total workforce. In sharp contrast, Amazon, Alphabet, Meta and Microsoft are projected to invest a combined $725 billion in AI infrastructure such as data centers this year. After laying off staff in March, Oracle’s total headcount dropped by 21,000 for the full year; this month, S&P downgraded its credit rating, citing weak cash flow and uncertain AI returns. Microsoft cut 4,800 jobs this month, mainly in its Xbox gaming division, essentially a full reset of its $75 billion acquisition of Activision Blizzard three years ago. The narrative that "AI causes layoffs" is met with skepticism in academic circles. Enrico Moretti, an economics professor at the University of California, Berkeley, notes that AI-related layoffs are more of an excuse for management to correct over-hiring during the pandemic. "Claiming AI-driven efficiency gains is easier than admitting to over-hiring back then," he said. Market pricing also contradicts this narrative: within 30 trading days of announcing layoffs, companies that attributed cuts to AI saw their stock prices underperform the Nasdaq by nearly 10%, while companies laying off for other reasons lagged by only around 4%. Amazon and Microsoft have explicitly stated that AI adoption is not a decisive factor in their layoffs. In contrast to the tech giants’ non-core business contractions, AI-native startups like Anthropic and OpenAI are still rapidly expanding their workforce, driving fast growth in AI sector employment. "What is being cut is merely all other non-core business segments."

1 seconds ago

Layer1 project Vanar will begin migrating its infrastructure to Base next Tuesday.

Layer 1 blockchain project Vanar announced that its infrastructure migration to Base will kick off next Tuesday. Users currently staking VANRY must first unstake, wait for the cooldown period to elapse before claiming their tokens. Earlier, Vanar stated that existing VANRY token holders can complete the migration at a 1:1 ratio, with their holding amounts remaining unchanged. Additionally, VANRY’s total supply will rise from 2.4 billion to 10 billion tokens, approximately 62% of which will stay locked during the migration. Once the migration is complete, staking for Vanarchain validators will be halted.

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2035年数据中心将占美国电力消耗的约20%，成为下一个AI瓶颈

U.S. data center power demand is projected to surge by 253% from 2026 levels, reaching a record 194 gigawatts by 2035 — with 1 gigawatt roughly matching the capacity of a traditional nuclear reactor. Currently, data centers consume 6% of the U.S.’s annual electricity; that share is estimated to climb to around 12% by 2030, and will account for roughly 20% of total U.S. electricity consumption by 2035. Most of the growth in U.S. power demand is concentrated in a handful of grid regions, such as the PJM Interconnection, which serves Washington, D.C. and 13 states including Virginia, Pennsylvania and Ohio. Power will be the next AI bottleneck.

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Altcoins

25 July 2026 | 11:32 Hyperliquid has returned to a level that could determine whether its broader recovery structure remains intact.

Key Takeaways HYPE has slipped below the 50% retracement of its spring advance. The token is testing its 100-day moving average near $56.7. Recovering $57.6 could support a rebound toward $62. A confirmed loss of the current support zone would expose $53. HYPE trades near $57 at the time of writing after slipping beneath the 0.5 Fibonacci retracement close to $57.6. That level marks the midpoint of the token’s advance from approximately $38 to $77.

The pullback has brought price directly to the 100-day simple moving average near $56.7. Together with the psychological $57 level, it forms the final visible support zone before the deeper 0.618 Fibonacci retracement near $53.

Daily Hyperliquid technical price chart with Fibonacci levels / Source: TradingView The 100-Day Average Is the Immediate Test HYPE has already broken below the rising trendline that supported its advance from the June low. It also trades beneath the 50-day simple moving average near $64 and has formed a sequence of lower recovery highs since approaching $77.

The same support zone was already under pressure a day earlier, as ETF demand weakened while HYPE tested this crucial level.

The 100-day average is therefore the clearest remaining measure of medium-term support. An intraday move beneath it would carry less weight than a completed daily candle, particularly while price remains close to the 50% retracement.

A close back above the current support zone would show that buyers are still defending half of the spring rally. Acceptance below it would indicate that the correction is extending into a deeper part of the Fibonacci range.

A Recovery First Needs to Reclaim $57.6 The first sign of stabilisation would be a move back above the 0.5 retracement near $57.6.

If that level is recovered, the next resistance sits around $62, corresponding with the 0.382 retracement. This area previously acted as support and could now attract sellers looking to exit during a rebound.

Beyond $62, the falling 50-day average near $64 is the more important barrier. Until HYPE recovers it, an advance from the current level would remain a relief bounce inside a weakening structure rather than a confirmed trend reversal.

The next major resistance above the moving average is the 0.236 retracement near $67.8. Reclaiming that area would begin to challenge the sequence of lower highs established since June.

Price Level Technical Role $57.6 The midpoint of the spring rally and the first level HYPE needs to reclaim. $56.7 The 100-day moving average supporting the current price zone. $62 Former support and the first meaningful resistance on a rebound. $64 The falling 50-day average separating a relief bounce from a stronger recovery. $53 The 0.618 retracement and the next major support below the current zone. A Daily Close Below the 100-Day Average Exposes $53 A completed candle beneath the 100-day average and the wider $57 shelf would weaken the remaining medium-term support structure.

The next measured level is the 0.618 Fibonacci retracement near $53. A move there would mean HYPE had surrendered more than 60% of its advance from $38 to $77.

Buyers could still attempt to form a base around that level, but a weak reaction would place the 0.786 retracement near $46.5 back into focus. Reaching that area would unwind most of the spring rally and return price much closer to its origin.

The Daily Close Will Confirm the Next Move The chart is no longer best described through a triangle because the trendlines that formed it have already been broken. The cleaner structure is defined by the current $56.7–$57.6 decision zone, resistance at $62 and deeper support at $53.

It also does not provide a valid 200-day moving average because HYPE lacks sufficient trading history, because its newer token. For now, the 50-day and 100-day averages, together with the Fibonacci grid, provide the relevant technical framework.

Disclaimer:
This article is for informational purposes only and isn’t financial advice. Technical levels reflect chart conditions at the time of writing, not price predictions – HYPE is a newer, highly volatile asset. Always do your own research before trading. Methodology:
Price levels are based on the daily HYPE/USD chart on Coinbase via TradingView, captured July 25, 2026. Author

Kosta has reported on cryptocurrency markets and blockchain infrastructure since 2020, bringing over six years of hands-on experience in the crypto industry built through daily tracking of markets, trends, and emerging blockchain developments. Specializing in Bitcoin on-chain analysis, institutional ETF flows, and digital asset price action, his work at Coindoo has been cited by other news agencies and consistently covers market developments with a focus on data-driven reporting across Bitcoin, Ethereum, Solana, and XRP. Over the years, Kosta has contributed to multiple crypto media outlets in different regions, authoring over 6,000 articles across the sector. His reporting spans cryptocurrency markets and the broader fintech industry, tracking not only price action but also the technological and regulatory forces shaping the ecosystem. To support his analysis, Kosta actively leverages on-chain data and metrics from leading platforms such as Santiment, Glassnode, and CryptoQuant, enabling deeper, evidence-based market insights. He believes in the power of transparency and the data that underpins the blockchain ecosystem. His academic background in Marketing Management from Denmark further complements his analytical approach, adding a strong understanding of communication strategy and content positioning to his work.

Cover image via U.Today Disclaimer: The opinions expressed by our writers are their own and do not represent the views of U.Today. The financial and market information provided on U.Today is intended for informational purposes only. U.Today is not liable for any financial losses incurred while trading cryptocurrencies. Conduct your own research by contacting financial experts before making any investment decisions. We believe that all content is accurate as of the date of publication, but certain offers mentioned may no longer be available.

Blockchain data tracker Whale Alert recently reported the transfer of 557,902 HYPE tokens valued at $32,898,942 within the last 24 hours.

Whale Alert reported that 557,902 HYPE worth $32,898,942 was transferred from an unknown wallet to HyperCore, the core trading infrastructure of the Hyperliquid blockchain.

HyperCore is the native financial and trading execution engine for the Hyperliquid Layer 1 blockchain, running fully on-chain spot and perpetual order books.

While details about the intent of the transaction were scant per Whale Alert's reporting, on-chain analytics platform Lookonchain reported a similar move, which might provide further details.

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Lookonchain reported that a whale received 557,902 HYPE from FalconX and deposited it into Hyperliquid for staking. Going by this, the reason why the 557,902 HYPE might have been moved to the HyperCore platform was to stake it.

This follows an increase in staking activity by whales or large holders. On July 24, Lookonchain reported a whale who staked 2.93 million HYPE worth $172 million. Within 24 hours, 19 wallets (likely belonging to the same whale) deposited 2.93 million HYPE into Hyperliquid and staked it.

Hyperliquid price actionAt the time of writing, HYPE was down 1.59% in the last 24 hours to $57.48, extending a drop since the week's start. The token is likewise down 2.13% weekly.

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HYPE's price fell for four days straight, from July 21 to July 24, as its recovery lagged, forming a series of lower highs since its July pullback from record highs.

The broader market picture tells a cautious story, with several major cryptocurrencies down over the past day.

In the last 24 hours, $244 million has been liquidated in crypto positions, with longs accounting for a larger chunk at $215 million while shorts came in at $29 million, according to CoinGlass data.

The recent drop highlights a lingering weakness across a larger portion of the altcoin market, with a few tokens posting gains.

Tenet Healthcare delivered another strong earnings beat, with non-GAAP EPS up 43.5% and operating margins expanding, driven by Ambulatory segment growth. Ambulatory revenue rose 10% year-over-year with 37.9% margins, offsetting weaker hospital segment growth and ACA exchange headwinds. FY2026 guidance was raised: revenue to $5.03B and adjusted free cash flow to $3.025B, supporting a $2B increase in share repurchase authorization.

Faruqi & Faruqi, LLP Securities Litigation Partner James (Josh) Wilson Encourages Investors Who Suffered Losses In Badger Meter To Contact Him Directly To Discuss Their Options

If you purchased or acquired securities in Badger Meter between April 18, 2024 and April 16, 2026 and would like to discuss your legal rights, call Faruqi & Faruqi partner Josh Wilson directly at 877-247-4292 or 212-983-9330 (Ext. 1310).

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New York, New York--(Newsfile Corp. - July 25, 2026) - Faruqi & Faruqi, LLP, a leading national securities law firm, is investigating potential claims against Badger Meter, Inc. ("Badger Meter" or the "Company") (NYSE: BMI) and reminds investors of the August 3, 2026 deadline to seek the role of lead plaintiff in a federal securities class action that has been filed against the Company.

Faruqi & Faruqi is a leading national securities law firm with offices in New York, Pennsylvania, California and Georgia. The firm has recovered hundreds of millions of dollars for investors since its founding in 1995. See www.faruqilaw.com.

As detailed below, the complaint alleges that the Company and its executives violated federal securities laws by making false and/or misleading statements and/or failing to disclose that Badger Meter's strong financial results reflected "ongoing favorable industry trends," "secular growth drivers," and "solid operating execution." They likewise touted "strong" demand and said they were seeing "robust order pacing and a strong bid pipeline that positions us well for continued sales and earnings growth," and that Badger Meter possessed a "long runway" for growth.

The court-appointed lead plaintiff is the investor with the largest financial interest in the relief sought by the class who is adequate and typical of class members who directs and oversees the litigation on behalf of the putative class. Any member of the putative class may move the Court to serve as lead plaintiff through counsel of their choice, or may choose to do nothing and remain an absent class member. Your ability to share in any recovery is not affected by the decision to serve as a lead plaintiff or not.

Faruqi & Faruqi, LLP also encourages anyone with information regarding Badger Meter's conduct to contact the firm, including whistleblowers, former employees, shareholders and others.

To learn more about the Badger Meter class action, go to www.faruqilaw.com/BMI or call Faruqi & Faruqi partner Josh Wilson directly at 877-247-4292 or 212-983-9330 (Ext. 1310).

Follow us for updates on LinkedIn, on X, or on Facebook.

Frequently Asked Questions (FAQ) for Investors Regarding the Badger Meter Securities Class Action Lawsuit:

What is the Badger Meter securities fraud lawsuit about?

The Badger Meter securities fraud lawsuit is a federal securities class action alleging that Badger Meter, Inc. (NASDAQ: BMI) and its executives made false and misleading statements to investors by touting "strong" demand, a "robust" order pipeline, and a "long runway" for growth while concealing that the Company's financial results were not sustainable. As the truth emerged through a series of disclosures — including disappointing Q2 2025 results and a sequential sales decline forecast on July 22, 2025, missed revenue expectations and a 6% sequential decline in utility water sales on January 28, 2026, and Q1 2026 earnings that missed consensus estimates by $0.26 per share with revenue missing by $28.58 million on April 17, 2026 — BMI's stock price dropped sharply, causing significant losses for investors.

Who may be eligible to participate in the Badger Meter class action lawsuit?

Investors who purchased or acquired Badger Meter (BMI) stock between April 18, 2024 and April 16, 2026 — the Class Period — and suffered financial losses may be eligible to participate in the Badger Meter securities class action. Participation as a class member does not require taking any affirmative legal action; eligible investors may recover losses simply by remaining members of the class. Whistleblowers, former Badger Meter employees, and others with relevant information about the Company's conduct are also encouraged to come forward.

What is a lead plaintiff, and how can I seek appointment in the Badger Meter lawsuit?

A lead plaintiff in the Badger Meter class action is a court-appointed investor — typically the one with the largest financial interest in the case — who directs and oversees the litigation on behalf of all class members. Any Badger Meter investor who purchased BMI stock during the Class Period may move the Court to serve as lead plaintiff through counsel of their choice. The deadline to seek lead plaintiff appointment is August 3, 2026. Importantly, choosing not to seek the lead plaintiff role does not affect an investor's ability to share in any recovery obtained for the class.

What should investors do if they purchased Badger Meter stock during the Class Period?

Investors who purchased Badger Meter (BMI) stock between April 18, 2024 and April 16, 2026 and suffered losses should contact Faruqi & Faruqi, LLP immediately to discuss their legal rights. The deadline to seek appointment as lead plaintiff in the Badger Meter securities class action is August 3, 2026. To speak directly with securities litigation partner Josh Wilson, call 877-247-4292 or 212-983-9330 (Ext. 1310), or visit www.faruqilaw.com/BMI for more information.

Attorney Advertising. The law firm responsible for this advertisement is Faruqi & Faruqi, LLP (www.faruqilaw.com). Prior results do not guarantee or predict a similar outcome with respect to any future matter. We welcome the opportunity to discuss your particular case. All communications will be treated in a confidential manner.

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/306268

Source: Faruqi & Faruqi LLP

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TLDR: Trump Coin News centers on a team-linked transfer of 10.84 million TRUMP tokens worth about $16.91 million into a custody route. Lookonchain says team-linked wallets moved $172.4 million worth of TRUMP across three batches during five months. Official Trump (TRUMP) trades near $1.56, while the $1.50 level offers the nearest psychological support if exchange-bound supply increases. Custody transfers do not confirm token sales, and the team has not disclosed whether the movement reflects storage, liquidity planning, or distribution. Trump Coin news has returned to on-chain flows after a team-linked wallet transferred 10.84 million TRUMP tokens. The assets were worth about $16.91 million when trackers flagged the movement on July 25. Lookonchain described the transfer as the third large batch from the same wallet cluster in five months.

The TRUMP price traded near $1.56 after the move, down about 2.6% over 24 hours. Coingecko data shows the market value reached near $387 million and daily volume around $198 million. The transfer adds new supply concerns, although blockchain activity alone cannot confirm that the team sold any tokens.

Trump Coin News Tracks Third Major Team Wallet Transfer Lookonchain says the latest team wallet transfer followed a route seen during two earlier distributions. Tokens first leave the allocation wallet before moving through institutional custody infrastructure. Previous batches later reached centralized exchanges, including OKX, according to on-chain reports.

The #Trump team transferred out another 10.84M $TRUMP($16.91M) 1 hour ago, likely to be deposited into BitGo and then sent to exchanges.

Over the past 5 months, the #Trump team has transferred out 48.25M $TRUMP ($172.4M) in 3 batches.

After each transfer, the price of $TRUMP… pic.twitter.com/XdL9NZikpr

— Lookonchain (@lookonchain) July 25, 2026

On-chain analyst Yu Jin said that the 10.837 million tokens could move through BitGo before reaching exchange accounts. Arkham-linked reporting also identified transfers involving Fireblocks custody addresses. These services can support secure storage, settlement, or exchange routing, so a custody deposit does not prove immediate selling.

TrumpCoin News reveals the team-linked wallets moved 48.25 million TRUMP, valued at $172.4 million, across three batches. According to market data, those periods had a price decline exceeding 66%.

That figure shows correlation, not confirmed causation. TRUMP also trades as a high-volatility memecoin and often reacts to Bitcoin, liquidity conditions, and wider risk sentiment. Yet large exchange-bound flows can increase available supply and weaken confidence when demand does not rise at the same pace.

TRUMP Price Holds $1.50 as Exchange Flow Risk Builds The TRUMP price remains close to the lower end of its recent trading range. Coingecko data shows the Official Trump (TRUMP) price reached a 24-hour low near $1.55 and a high around $1.61. The $1.50 area now acts as the nearest psychological level watched by short-term traders.

Official Trump (TRUMP) Price A break below that zone could expose the $1.40 to $1.45 area, especially if fresh tokens reach exchanges. Conversely, stabilization above $1.50 may limit immediate pressure if Bitcoin and the broader crypto market recover. Trading volume will help show whether sellers gain control or buyers absorb the additional supply.

Trump coin news may remain sensitive to destination addresses over the next several sessions. Transfers into custody wallets may reflect treasury management, liquidity planning, or preparation for exchange deposits. Only later movements into known trading venues would strengthen the case for active distribution.

The team has not publicly confirmed the purpose of the latest transfer. That leaves wallet labels, transaction routes, and subsequent exchange deposits as the main evidence available to traders.

Table of contents

The WLFI token notched a 10-week price high in a matter of hours, only to cough up most of the move in the same session. The rapid pump and dump arrived alongside a sudden burst of large-wallet activity—$100K+ whale transactions hit their highest level since April 11th, according to the on-chain update from Santiment. The data paints a clear picture of a coin that caught a speculative tailwind, but the staying power of the move remains very much in question.

Whale Surge Coincides with Binance Campaign The spike in whale transactions wasn’t random. Santiment points directly to rising demand for USD1, the stablecoin embedded in WLFI’s ecosystem, as the clearest catalyst. Binance recently extended a USD1 holder campaign that pays eligible users in WLFI, effectively creating a yield-chasing loop. When an exchange of that size dangles rewards in a governance token, it concentrates attention—and large players often move first. The result was a +19% intraday pump that pushed WLFI to multi-week highs, though the subsequent reversal showed how fragile the bid was.

The pattern is familiar: a promotional incentive generates short-lived demand, whales ride the momentum, and the price snaps back once the acute buying dries up. It’s a market structure signal rather than a fundamental shift. Traders watching on-chain data saw the same wallet cohort that often front-runs exchange promotions pile in, then distribute. The size of the transactions suggests this wasn’t retail speculation alone—it carried the hallmarks of deep-pocketed actors who understand liquidity windows.

USD1 and Governance at the Core WLFI’s own documentation frames USD1 and governance as central to the project, which gives the Binance campaign a more structural angle than a simple airdrop. If USD1 adoption grows, WLFI governance holders could gain greater influence over protocol parameters, creating a feedback loop that more patient capital might value. But the on-chain footprint so far doesn’t show clear accumulation—merely positioning ahead of a campaign payout, something that tends to unwind once tokens hit wallets. Similar dynamics have played out in many governance token ecosystems where exchange incentives temporarily distort supply signals.

For now, the episode reinforces how thin liquidity can amplify short-term moves in smaller altcoins. The demand catalysts in governance tokens often come from external partnerships or exchange promotions, and distinguishing between transient flows and genuine ecosystem growth remains the core challenge for anyone watching the tape. Stablecoin integration with projects like USD1 also ties into the broader tokenization and governance narrative that has driven institutional interest this quarter, but WLFI’s move was largely about short-term event-driven flow.

What the Move Means for Traders The key question now is whether the large-wallet cohort will keep those positions on the books after the campaign ends. If whale-held supply stays elevated, it could hint at a more lasting conviction behind USD1 and WLFI’s governance model. If those addresses lighten up quickly, the 10-week high will look like another classic distribution event. On-chain observers will be watching exchange inflow patterns and holder breakdowns over the coming days.

For market participants, the episode serves as a reminder that price spikes without sustained volume and clear fundamental progress often resolve the same way they arrived—sharply. The Santiment data isolates the whale move as the standout anomaly, not a slow-burning trend. That makes this more of a tactical signal than a structural pivot, at least until the relationship between USD1 adoption and WLFI governance demand becomes more than a promotional campaign.

AUTHOR

Max delves deep into the cryptocurrency realm, with a passion for altcoins and NFTs. Convinced of crypto's transformative potential, he envisions a decentralized financial future. Max's background in the financial sector grants him unique insights into global monetary systems. In his leisure, Max embraces the thrill of adventures and is an avid sports enthusiast, finding balance and rejuvenation away from work.

The Trump administration’s tariff campaign is not winding down. It is widening. New measures rolled out in late July 2026 suggest the White House has no intention of letting up on its protectionist trade agenda, and crypto markets are caught in the crossfire.

On July 20, 2026, President Trump imposed 50% tariffs on select Canadian imports under Section 338 of the Tariff Act of 1930. The targeted goods read like an odd grocery list: wine, hockey sticks, and cement. The tariffs are set to take effect after a 30-day window.

Two days later, a fresh round of tariffs between 10% and 12.5% kicked in on imports from over 80 countries, operating under Section 301 authority. These replaced a temporary global surcharge that had lapsed.

A legal detour, not a retreat The Supreme Court complicated things earlier this year. In February 2026, the court struck down broader tariffs that the administration had justified under the International Emergency Economic Powers Act, or IEEPA.

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The administration pivoted to Sections 301 and 232, alternative statutory authorities that give the executive branch significant room to impose tariffs on national security and unfair trade practice grounds.

The average effective U.S. tariff rate now sits at 12.1%, as of July 21, 2026. For context, that figure was closer to 2-3% for most of the post-WW2 era of American trade policy.

USTR Jamieson Greer has also initiated Section 301 investigations targeting manufacturing overcapacity and forced labor practices across multiple economies.

Why crypto investors should be paying attention When tariff announcements land, Bitcoin and Ethereum have historically posted short-term declines, caught up in the broader risk-off sentiment that rattles equity and commodity markets simultaneously.

The more structurally damaging issue, though, is what these tariffs do to U.S. mining operations. ASIC hardware, the specialized computing equipment that powers Bitcoin mining, is largely manufactured abroad. Current tariffs on ASIC imports range from 19% to 57.6%, depending on origin.

Higher hardware costs compress mining margins. Compressed margins force smaller operators to reduce capacity or exit entirely, with consolidation of mining power among fewer, better-capitalized players as the logical downstream consequence.

Longer-term, Bitcoin’s narrative as an inflation hedge remains intact in theory. Rising tariffs push up input costs across the economy, which feeds into consumer prices, which erodes purchasing power.

Investors watching this space should track two things: how courts respond to the administration’s use of Section 301 and 232 authorities as its new legal scaffolding, and whether ASIC import costs force any visible contraction in U.S. Bitcoin hash rate over the coming months.

Disclosure: This article was edited by Editorial Team. For more information on how we create and review content, see our Editorial Policy.

Bitcoin price has dipped under intense macro headwinds today, July 25, as the Nasdaq-100 index plunged to its lowest level since May 5 over escalating concerns regarding heavy artificial intelligence spending by tech giants.

Summary

Bitcoin price slid 2.49% to $64,017 as tech-driven Nasdaq liquidations and 4.71% Treasury yields triggered defensive profit-taking. Spot BTC ETFs posted their worst inflows in three weeks, drawing just $33 million as buyers pivoted to bonds. BTC is actively testing vital 4-hour ascending trendline support; losing this slope exposes the psychological $60,000 floor. At the time of writing, the leading cryptocurrency trades at $64,017.51, representing a 2.49% decline over the last 24 hours. Daily trading volumes reached $22.84 billion according to CoinMarketCap data, representing rising selling pressure after BTC recently touched an intraday high near $66,900 on July 21.

Market sentiment has turned cautious because Bitcoin increasingly correlates with high-growth technology shares.

Tech equity liquidation triggers crypto selloff Data from TradingView shows that the Nasdaq-100 index closed its previous trading session at 28,128 points, establishing an eleven-week low. This equity drawdown stems from investor anxiety that massive capital expenditures toward AI infrastructure will reduce immediate corporate cash flows and increase corporate debt burdens.

Nasdaq-100 Index | Source: TradingView For example, Alphabet purchased $94 billion worth of SpaceX stock during a June initial public offering, highlighting the scale of tech-sector capital allocation.

Commenting on the move, Peter Andersen, Chief Executive Officer of Andersen Capital Management, noted:

“People are thinking, how do we make sense of all this spending, and how much more patient do we have to be before we actually see it translate to actual profits?”

This capital preservation mindset in traditional finance has prompted defensive positioning within digital asset markets, where traders are taking profits rather than risking capital on volatile assets.

Why Bitcoin institutional demand channels are stalling In tandem with the equity contraction, institutional demand channels for digital assets show signs of constraints. Data from SoSoValue shows that spot Bitcoin exchange-traded funds registered a mere $33 million in net inflows during the week ending July 24. This cumulative figure marks the weakest weekly capital intake for the investment vehicles in three weeks.

The reduction in capital allocation develops alongside a notable shift in the broader fixed-income landscape. Specifically, the US Treasury 10-year yield advanced to 4.71%, which represents its highest level since January 2025.

Higher yields on risk-free government bonds change the opportunity cost of holding volatile crypto assets. When government debt instruments present guaranteed yields at these levels, institutional allocators frequently pivot away from high-beta risk assets like Bitcoin.

Such a macro reallocation pattern cuts the baseline liquidity available to support crypto spot prices during equity market drawdowns. The drop from the July 21 peak of $66,900 reveals that market participants are opting for cash or fixed-income safety rather than defending local support levels. Consequently, the combination of tech stock liquidations and rising yields has forced a tactical retreat.

Key Bitcoin price technical levels to watch On the 1-day chart, the daily candle prints at $64,017.51, positioning the asset just under its yellow moving average ribbon line of $64,266.14. Long-term overhead resistance remains defined by a higher red trendline sitting at $77,301.64.

Bitcoin price daily chart — July 25 | Source: crypto.news The Aroon indicator on the daily timeframe provides a mixed outlook for long-term momentum; the Aroon Up line measures 71.43%, while the Aroon Down line hovers at 14.29%. A crucial horizontal resistance line is established at $67,303.10, which matches structural distribution zones from early June.

Shorter-timeframe data on the 4-hour chart reveals that Bitcoin is currently testing a vital upward-sloping purple trendline that has served as dynamic support since early July. The 4-hour Relative Strength Index has slid to 35.85, tracking below its yellow moving average line of 42.67, which places the asset near oversold territory. 

Bitcoin price 4-hour chart — July 25 | Source: crypto.news Concurrently, the Moving Average Convergence Divergence indicator registers a bearish configuration, with the blue MACD line crossing below the orange signal line at -342.39 versus -155.51 amid expanding red histogram bars.

The immediate price action shows a direct cluster of sell orders around the 4-hour trendline, indicating that short-term speculators are actively hedging their spot exposures. Volume bars on shorter intervals have increased during down-swings, validating that the breakdown attempt is backed by active distribution rather than low-liquidity drift.

This alignment between the negative MACD crossover and the breakdown of the short-term moving average suggests that sellers hold the immediate tactical advantage. If the daily close finishes below this slope, the structure transitions from a standard corrective pullback into a broader structural reversal.

Downside risks that invalidate the bullish outlook If this ascending 4-hour trendline breaks conclusively on a daily closing basis, the primary bullish setup will face invalidation. Under this scenario, a breakdown would expose the psychological support floor at $60,000, with a secondary structural horizontal support level waiting lower at $60,688.54. 

Additional downside risks stem from the potential for cascaded long liquidations in the derivatives market if the $63,000 level fails to hold. A breach of these key horizontal baselines would open the path toward deeper retests of May lows, entirely erasing the recovery momentum built over the past three weeks.

Disclosure: This article does not represent investment advice. The content and materials featured on this page are for educational purposes only.

THE STREET: Fewer Americans are broke this year and most still avoid Bitcoin

13h05 ▪ 3 min read ▪ by Eddy S.

Summarize this article with:

Does Bitcoin follow an unchanging rhythm? A viral theory claims its price is locked in cycles of 1,064 days of increase followed by 364 days of decline, with a key date: October 9, 2026. Will BTC escape its grim fate?

In Brief A theory claims that Bitcoin follows cycles of 1,064 days of rise and 364 days of decline, with a pivot point expected on October 9, 2026. This model is based on historical observations but ignores external factors (regulations, economic crises). Open debate: coincidence, confirmation bias, or immutable law of crypto markets? The Bitcoin Cycle Theory: A Mathematical Model That Defies Chance For years, a theory has intrigued crypto investors. Bitcoin allegedly follows a repetitive and predictable cycle, alternating between rising phases (1,064 days) and falling phases (364 days). According to this model, each cycle ends with a precise pivot point, like October 9, 2026… The date on which a new bearish phase would begin. Proponents of this theory emphasize that this pattern has repeated without exception since 2015. Indeed, charts show green zones (rise) and red zones (decline) with a disconcerting regularity.

For them, this is not a prediction, but a mathematical observation based on BTC’s history. However, this approach raises doubts. Financial markets are influenced by external factors (regulations, adoption, economic crises) that can easily disrupt this model. Moreover, Bitcoin remains a speculative and volatile asset, where past cycles do not guarantee future outcomes. So, coincidence?

BTC: A Cyclical Asset or a Mirror of Market Psychology? Bitcoin is often compared to a cyclical asset like gold or technology stocks. But unlike these, its price is extremely sensitive to investor psychology. Halvings, for example, are another well-documented cyclical phenomenon, often correlated with Bitcoin bull runs. Yet, this event has economic foundations (increased scarcity), unlike the 1,064-day theory, which relies solely on past observations.

In a market as chaotic as crypto, investors seek reassuring patterns and see in these different theories a confirmation bias and above all… a regularity too perfect to be ignored. One thing is certain: if this theory proves true in October 2026, it could either strengthen confidence in cyclical models or trigger widespread panic in case of failure.

Is Bitcoin doomed to repeat its cycles? The October 9, 2026 theory fascinates but divides. One thing is sure: markets love narratives. And you, do you believe in this programmed crash of BTC?

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Eddy S.

The world is evolving and adaptation is the best weapon to survive in this undulating universe. Originally a crypto community manager, I am interested in anything that is directly or indirectly related to blockchain and its derivatives. To share my experience and promote a field that I am passionate about, nothing is better than writing informative and relaxed articles.

DISCLAIMER

The views, thoughts, and opinions expressed in this article belong solely to the author, and should not be taken as investment advice. Do your own research before taking any investment decisions.

US reportedly planning special operations raid on Iran’s nuclear facilities, and crypto markets are already on edge

Poolin, once the largest Bitcoin mining pool, has filed for Chapter 11 bankruptcy in New Jersey. The Singapore-based company, which previously controlled up to 20% of the global Bitcoin hashrate, cited substantial liabilities of approximately $173.1 million against assets valued between $1 million and $10 million. The bankruptcy filing includes two U.S. affiliates and marks the end of Poolin’s mining operations. The company is seeking to sell its remaining mining sites in West Texas through a court-supervised process, with a $52 million stalking-horse bid already in place. This development underscores the ongoing volatility in the Bitcoin mining sector.

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Key Takeaways The bankruptcy of Poolin suggests a shift in the Bitcoin mining landscape, with markets reflecting uncertainty in the sector. Market pricing implies a reduced likelihood of Bitcoin reaching higher price targets by the end of July, with decreased YES percentages across several sub-markets. The filing is consistent with increased sell pressure due to operational wind-downs, potentially affecting Bitcoin price targets negatively. What to Watch Observers should monitor the market reaction to the sale of Poolin’s assets and its impact on Bitcoin’s hashrate distribution. Additionally, key indicators will include the market’s response to potential changes in mining costs and regulatory developments that could further influence Bitcoin’s price trajectory. With only a week left until the end of July, developments in mining capacity and investor sentiment will be crucial in shaping Bitcoin’s short-term price movements.

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Term Structure

Contract Odds Δ since publish Volume 24h August 1 2026 0.2% — — View market → August 1 2026 21.5% — — View market → August 1 2026 4.8% — — View market → August 1 2026 4.4% — — View market → August 1 2026 0.5% — — View market → August 1 2026 0.1% — — View market → August 1 2026 0.9% — — View market → August 1 2026 0.2% — — View market → August 1 2026 2.1% — — View market → August 1 2026 0.2% — — View market → August 1 2026 0.9% — — View market → August 1 2026 1.9% — — View market → August 1 2026 0.4% — — View market → August 1 2026 0.4% — — View market → August 1 2026 0.1% — — View market → August 1 2026 0.1% — — View market → August 1 2026 0.1% — — View market →

Yemen’s Houthi movement claimed responsibility for missile strikes targeting Saudi Aramco facilities in Jizan and Yanbu on July 25, 2026. The attacks mark the first direct strike on a Saudi refinery complex in four years, and the timing could hardly be more combustible.

Brent crude surged to $100 per barrel in the immediate aftermath, a roughly 40% climb over the course of July 2026 alone, before pulling back to stabilize in the $89 to $90 range.

A coordinated pressure campaign, not a one-off strike The refinery attacks did not come out of nowhere. On July 20, the Houthis announced a naval blockade targeting Saudi shipping. Two days later, on July 22, the group claimed attacks on two Saudi oil tankers in the Red Sea, the Encelia and the Layla.

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The Bab el-Mandeb Strait sits at the southern end of the Red Sea and connects it to the Gulf of Aden. Roughly 10% of global seaborne trade passes through it.

The Houthis have demonstrated before that they can make shipping through this corridor expensive, unpredictable, and in some cases impossible. Their drone and missile campaign against commercial vessels beginning in late 2023 forced major shipping lines to reroute around the Cape of Good Hope, adding weeks and significant cost to global supply chains.

No casualties from the July 25 strikes have been confirmed. The physical damage to Aramco infrastructure has not been publicly detailed either.

Crypto catches the risk-off flu Bitcoin and XRP both saw price declines following the attacks and the broader surge in regional volatility.

The Houthis have a documented history of using cryptocurrency to finance operations and circumvent sanctions. No specific tokens have been directly linked to the July 2026 campaign in available reporting, but the broader pattern is established. The U.S. Treasury and allied regulators have previously flagged crypto-based fundraising networks tied to the group.

What investors should watch from here The stabilization of Brent in the $89 to $90 range after the $100 spike suggests markets are not yet pricing in a full supply disruption.

Yanbu sits on the Red Sea coast and is one of Saudi Arabia’s largest refinery and petrochemical hubs. Jizan is further south, closer to the Yemeni border, and its refinery serves both domestic demand and export flows. Strikes on both in a single claimed operation signal that the Houthis are targeting infrastructure diversity, not just symbolic value.

Disclosure: This article was edited by Editorial Team. For more information on how we create and review content, see our Editorial Policy.

Summary Bitcoin is testing the floor of its ascending channel near $63,500 The 0.382 Fibonacci retracement overlaps with channel support and reinforces that level Volume stayed quiet on the drop, which points to profit-taking rather than a breakdown The next 4-hour close on either side of $63,500 decides the near-term trend Bitcoin traded at $64,081 on Binance in the early hours of July 25, sitting just above the base of the ascending channel that has shaped its climb since early July. The pullback started after price stalled at $66,973 on July 21, and it has carried the market into the lower third of that channel. What makes the current level worth watching is overlap. The rising channel floor and the 0.382 Fibonacci retracement both land near $63,500, and that turns the zone into the line between an ordinary dip and a broken trend.

Where the channel and the fib agree on one floor A single support line is easy to lose. Two support lines stacked at the same price are much harder to break, and that is exactly where Bitcoin sits on the 4-hour chart. The rising lower edge of the channel runs near $63,500, while the 0.382 retracement sits almost on top of it at $63,517.

The logic behind that overlap is simple enough. When two independent levels converge on the same price, traders tend to defend the zone harder than they would defend either line on its own, and a failure there carries more weight. A clean 4-hour close under $63,500 would take out the channel and the Fibonacci level in a single move, and that is a far sharper bearish signal than either giving way alone.

Level Price Role right now Swing high (0) $66,973 July 21 top and ceiling of the current range 0.236 $64,838 Flipped to resistance, price needs to reclaim it 0.382 $63,517 Overlaps channel support, the floor that matters 0.5 $62,450 First target if the floor breaks 0.618 $61,382 Deeper support that would question the rally Swing low (1) $57,926 Origin of the June to July move The 0.236 flip that now caps any rebound Right now price is boxed between the 0.236 retracement at $64,838 overhead and the 0.382 at $63,517 below. The large red candle on July 24 knocked it out of the upper half of that box, and it has been drifting around $64,000 ever since. For most of the past week the 0.236 acted as a shelf that price rested on. It has since flipped into resistance, and that flip is the reason the short-term bias stays tilted lower. Buyers have to take $64,838 back with conviction before the picture changes, and until they do, every push higher runs into sellers at a level that used to support them.

Momentum cools while volume stays quiet The RSI on the 4-hour chart has dropped to 37 on the fast line, with its signal at 42.76, and both are rolling over from the highs they printed on the July 21 push. A reading in the mid-30s tells you selling pressure has built up and buyers have eased off, though it has not reached the sub-30 zone that flags an oversold snap-back. Momentum is fading here, not reversing. If price defends the $63,500 confluence while RSI sits this low, that combination has set up bounces before.

Volume backs up the calmer read. The slide off the highs arrived without a distribution spike, and no capitulation candle showed up anywhere on the pullback. Quiet volume on a decline usually means holders are trimming positions rather than dumping them in a rush. A break of the lower boundary on heavy volume would flip that interpretation fast, so it is worth watching the size of the candles as much as their direction.

Funding near zero says leverage is not the pressure The OI-weighted funding rate reads 0.0019%, effectively flat. Positive funding means longs are paying shorts to hold their positions, and a high reading usually marks a crowded, overheated market that snaps back hard when it unwinds. This one barely clears the zero line, so Bitcoin is holding its channel without a wall of leveraged longs stacked behind it. According to data from CoinGlass, liquidations over the past day ran to $68.21 million and leaned on longs, a modest figure that fits the profit-taking story rather than pointing to any leverage blow-off.

What the next 4-hour close decides The chart hands traders a clean binary around $63,500.

If the floor breaks:

The 0.5 retracement at $62,450 is the first stop, and it is the line that separates a healthy pullback from a questionable one The 0.618 at $61,382 comes next, and losing it would put the whole June to July advance in doubt If support holds:

Reclaiming the 0.236 at $64,838 is the first job for buyers The $65,500 shelf sits above that A push back to the channel top and the $66,973 high rounds out the upside path With funding flat and no volume spike on the way down, there is no leverage story forcing the market’s hand, so the decision at $63,500 rests on plain spot supply and demand rather than a chain of forced sellers. That gives any breakdown from here a different character than a squeeze-driven flush would carry. The trigger for the other direction stays fixed at one number. A 4-hour close back above $64,838 is what turns this from a market on the defensive into one working toward the channel top again.

Cover image via depositphotos.com Disclaimer: The opinions expressed by our writers are their own and do not represent the views of U.Today. The financial and market information provided on U.Today is intended for informational purposes only. U.Today is not liable for any financial losses incurred while trading cryptocurrencies. Conduct your own research by contacting financial experts before making any investment decisions. We believe that all content is accurate as of the date of publication, but certain offers mentioned may no longer be available.

A unique situation has emerged in the XRP market: while Ripple continues expanding its business, the token itself risks falling into a deep two-year sleep. A fresh technical analysis based on Bollinger Bands via TradingView shows that the chart is now effectively projecting the previous accumulation cycle of 2022–2024.

The conclusion of the mathematical model is harsh — a breakout from the prolonged sideways trend is not expected until August 2028.

XRP price history repeats itselfThe logic behind the long-term forecast is simple: XRP, like any other established cryptocurrency, tends to repeat its own cycles. Between 2022 and 2024, the token spent 791 days in deep accumulation, after which a powerful impulse pushed the price to a peak of $3.55, after which a gradual correction began.

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Right now, XRP is trading within the $1.06–$1.10 range, while the Bollinger Bands are beginning to contract again on higher time frames. If the historical pattern repeats, the asset could face another two years of horizontal price action — dull and exhausting for speculators.

XRP price outlook in context of Bollinger Bands and 791-day accumulation from 2022-2024, Source: TradingViewThe current news environment clearly explains why the Bollinger Band model has a strong chance of materializing in practice, and institutional interest in U.S. spot XRP ETFs fading to a symbolic $2 million–$12 million per week is a stark proof of this scenario.

At the same time, the launch of the Ripple Mint platform for the RLUSD stablecoin, which has a market capitalization of $1.5 billion, reinforced the skeptical view — banks are adopting Ripple's infrastructure, but they do not need to purchase XRP itself for settlements. 

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The situation is further complicated by the political deadlock in the United States, where Polymarket currently places the probability of the CLARITY Act being passed this year at only 42%.

As a result, the current balance of power in the market comes down to two key scenarios:

Bearish case: The absence of organic demand from banks, declining ETF inflows, and regulatory deadlock deprive the token of growth drivers, forcing retail investors to sell their holdings.Bullish case: Large wallets, or whales, are aggressively buying the supply sold by capitulating investors, forming a reinforced price floor ahead of a powerful technical Bollinger Band breakout.As the market remains constrained by uncertainty and the absence of retail demand, XRP is entering another phase of long-term accumulation, and in the worst-case scenario, investors may have to remain patient until the end of summer 2028.

MoonPay has introduced Discover card support to its US payment platform, enabling eligible customers to purchase and sell thousands of cryptocurrencies using Discover-branded cards. The move places Discover alongside Visa and Mastercard as accepted credit card networks on the MoonPay platform, increasing payment flexibility for US-based crypto users.

Discover joins Visa and Mastercard on MoonPayWith this integration, US users can now fund crypto transactions through Discover, in addition to previously supported card networks and payment options such as Apple Pay, Google Pay, PayPal, Venmo, and standard bank transfers. The expansion allows cardholders to buy and sell prominent digital assets including Bitcoin, Ethereum, BNB, XRP, Solana, TRON, Hyperliquid, and Zcash.

MoonPay, founded in 2019, has established itself as a global leader in cryptocurrency payment infrastructure, serving over 30 million customers in 180 countries. The company also supports more than 500 enterprise clients in sectors ranging from crypto exchanges to wallets and fintech platforms.

The addition of Discover provides businesses integrating MoonPay’s solutions with immediate access to the network, removing the need for additional technical integration work. This benefits both end users and enterprise customers seeking broader payment coverage.

Richard Harrison, Vice President of Banking and Payments Partnerships at MoonPay, stated that expanding payment methods aims to reduce barriers preventing users from completing crypto transactions. He explained that the goal is to let customers access digital assets with the payment cards and methods they already use daily.

Expanding access to payment methods like Discover helps remove friction points and gives customers more options to buy digital assets with familiar tools.

Although MoonPay now officially supports Discover, transaction approvals will still depend on policies set by the financial institution that issued the card. Issuer-specific fraud controls, compliance standards, and risk assessments determine whether any given purchase can proceed.

This represents Discover’s most significant move into crypto payments so far. While Visa and Mastercard have built deep partnerships with exchanges and payment firms, Discover has traditionally maintained a limited presence in the space.

The MoonPay partnership could signal a larger role for Discover as crypto adoption expands in mainstream finance.

Mini dictionary: MoonPay, founded in the United Kingdom in 2019, specializes in crypto payment processing and on-ramping services, offering regulated access to hundreds of digital assets for both retail and enterprise customers globally.

Card NetworkSupported by MoonPayAvailability for Crypto PurchasesVisaYesYesMastercardYesYesDiscoverYesYes (dependent on issuing bank’s policy)Compliance and issuer restrictionsDespite MoonPay providing the technical capability, approval for crypto transactions using Discover cards ultimately remains at the discretion of each card-issuing bank. Regulatory requirements, anti-fraud systems, and internal compliance measures can lead to variable outcomes for individual cardholders.

Approval success will likely differ by institution, with some banks permitting crypto purchases and others blocking them on policy grounds. This means that while millions of Discover cardholders are now potentially eligible to participate in the cryptocurrency market through MoonPay, actual availability will vary.

Card availability still depends on the issuer’s stance, as banks control whether Discover cards can complete transactions for digital assets on MoonPay.

MoonPay’s integration of Discover builds on the company’s broader strategy to streamline digital asset access for both retail and institutional clients. Earlier this year, MoonPay launched AI-powered agents capable of creating self-custodial wallets and executing blockchain transactions autonomously. This reflects a continued push to innovate at the intersection of traditional payments and digital finance.

The partnership with Discover reflects ongoing efforts from MoonPay to bridge the gap between conventional banking and the emerging world of cryptocurrencies, offering more regulated entry points for new investors.

Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.

Fresh comments from Patrick Witt, the White House’s lead crypto advisor, have clarified expectations surrounding the Digital Asset Market Clarity (CLARITY) Act as lawmakers prepare for their August recess. The Biden administration stated that, although the bill is not expected to receive Senate approval before August, efforts remain underway to ensure it advances procedurally in the coming weeks.

Thune’s remarks and Witt’s responseSenate Majority Leader John Thune recently indicated that the CLARITY Act was unlikely to pass the Senate ahead of the August break, a view echoed by the White House. Despite this, both sides continue to express optimism about achieving meaningful progress on the legislation before Congress departs for summer recess.

Asked about Thune’s comments, Patrick Witt explained that the administration’s approach has remained consistent throughout negotiations. Witt and his team, which includes White House AI and crypto advisor David Sacks, have pushed for a bipartisan outcome over the past year, maintaining that the bill deserves a Senate vote.

Witt agreed that Thune’s assessment of timing is correct, but emphasized the Senate will remain in session at the beginning of August. He suggested lawmakers should not completely rule out further action before the formal start of recess.

In his update, Witt noted that while some senators have grown less optimistic, his own discussions point to building support for advancing the bill to a floor vote.

Patrick Witt reiterated that although a final vote on the CLARITY Act prior to August remains unlikely, ongoing talks could still allow for procedural progress in the Senate and strengthen the bill’s momentum.

Focus shifts to procedural advancementThe White House has recently shifted its focus from securing passage before the recess to ensuring the CLARITY Act continues to move through the legislative process. This adjustment comes as competing legislative priorities crowd the Senate calendar just before August.

Negotiations remain challenging, especially regarding proposed ethics rules. Democrats are advocating for stricter limitations on lawmakers’ participation in crypto-related companies, while Republicans and the White House have presented differing proposals that have yet to unify bipartisan support.

Despite these hurdles, Witt and senior administration officials still anticipate that the CLARITY Act will reach the Senate floor for initial voting procedures. Advancing the bill in this manner would help maintain momentum and set up further debate when Congress returns from recess.

Diana, an active voice in the digital asset community, commented that the administration’s shift in expectations reflects a tactical change rather than a weakening in commitment. She indicated that, although a delay appears inevitable, the White House remains determined to see the CLARITY Act make concrete legislative progress in the coming weeks.

Mini dictionary: Patrick Witt is the principal cryptocurrency advisor at the White House, helping to shape the Biden administration’s approach to digital asset legislation and coordinate with lawmakers on bipartisan crypto policy initiatives.

Legislative outlook and next stepsWith Congress facing a packed agenda as the August recess nears, negotiation delays could push any decisive action on the CLARITY Act into the fall session. However, administration insiders say procedural steps such as introducing the bill to the Senate floor remain feasible in the remaining days of July and early August.

Such movement would position the CLARITY Act—designed to clarify digital asset regulations in the US—for further debate and eventual voting after the summer break.

Witt’s latest remarks highlight continued White House support for the CLARITY Act, with officials seeking to ensure it keeps progressing despite a crowded Senate schedule.

Disclaimer: The information contained in this article does not constitute investment advice. Investors should be aware that cryptocurrencies carry high volatility and therefore risk, and should conduct their own research.