Moodys – Earlybirds Invest https://earlybirdsinvest.com Latest Crypto News Wed, 11 Jun 2025 14:35:19 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.9 https://i0.wp.com/earlybirdsinvest.com/wp-content/uploads/2024/12/cropped-New-Project-2024-12-17T235703.455.png?fit=32%2C32&ssl=1 Moodys – Earlybirds Invest https://earlybirdsinvest.com 32 32 240146708 Moody’s Ratings Brings Credit Rating to Solana in Real-World Asset Tokenization Trial https://earlybirdsinvest.com/moodys-ratings-brings-credit-rating-to-solana-in-real-world-asset-tokenization-trial/ https://earlybirdsinvest.com/moodys-ratings-brings-credit-rating-to-solana-in-real-world-asset-tokenization-trial/#respond Wed, 11 Jun 2025 14:35:19 +0000 https://earlybirdsinvest.com/moodys-ratings-brings-credit-rating-to-solana-in-real-world-asset-tokenization-trial/

Global credit rating giant Moody’s Ratings and tokenization startup Alphaledger have completed a test run showing that municipal bond credit ratings can be embedded into blockchain-based securities, the companies told CoinDesk.

The trial, conducted on the Solana

blockchain, showcases how credit ratings—typically distributed through proprietary data terminals—could be integrated into tokenized assets on public blockchains.

In the proof of concept, a simulated municipal bond was tokenized using Alphaledger’s platform. The bond’s credit rating, provided by Moody’s, was automatically submitted and attached to the token on-chain. The project used an API to move data from Moody’s off-chain systems to Solana’s public blockchain.

For institutional investors navigating decentralized markets, the lack of standardized, trusted information remains a hurdle. By baking a known credit rating into a security token, traders and portfolio managers could hypothetically make more informed decisions about debt instruments in real time.

“We’ve demonstrated a potential scalable model that can unlock liquidity to real world assets by providing investors access to a trusted brand like Moody’s Ratings,” said Alphaledger CEO Manish Dutta.

The test highlights how blockchain tech could complement the existing financial plumbing, as a growing number of traditional finance giants explore ways to use crypto rails for real-world assets (RWA) like bonds, funds and credit.

The process, often called tokenization, promises more efficient operations, interoperability and faster, around-the-clock settlements compared to legacy rails. It’s potentially a huge market: Boston Consulting Group and Ripple projected that tokenized assets could be a $18.9 trillion market by 2033.

Moody’s said it will keep exploring how its ratings can serve digital finance. Future implementations could include other fixed income products such as corporate bonds.

“We continue to embrace innovation in finance and actively explore new avenues for digital finance ecosystem to access our credit assessments,” said Rajeev Bamra, head of strategy for digital economy at Moody’s Ratings.

The test also showcased Solana’s capacity to handle institutional-grade financial data, adding to the network’s growing RWA momentum.

Last month, Solana Foundation partnered with bank-focused blockchain tech firm R3 to bring real-world assets to the network. A Securitize-issued tokenized fund of Apollo credit assets also debuted on Solana-based DeFi protocol, while Centrifuge expanded Anemoy’s $400 million tokenized U.S. Treasury fund on the chain.

Read more: Major TradFi Institutions to Pursue Tokenization Efforts on Solana

]]> https://earlybirdsinvest.com/moodys-ratings-brings-credit-rating-to-solana-in-real-world-asset-tokenization-trial/feed/ 0 41435 JPMorgan Chase, Bank of America and Wells Fargo All Downgraded by Moody’s Following US Government Loss of AAA Rating: Report https://earlybirdsinvest.com/jpmorgan-chase-bank-of-america-and-wells-fargo-all-downgraded-by-moodys-following-us-government-loss-of-aaa-rating-report/ https://earlybirdsinvest.com/jpmorgan-chase-bank-of-america-and-wells-fargo-all-downgraded-by-moodys-following-us-government-loss-of-aaa-rating-report/#respond Wed, 21 May 2025 14:40:47 +0000 https://earlybirdsinvest.com/jpmorgan-chase-bank-of-america-and-wells-fargo-all-downgraded-by-moodys-following-us-government-loss-of-aaa-rating-report/

Moody’s has downgraded deposit ratings of top US lenders JPMorgan Chase, Bank of America and Wells Fargo just days after stripping the nation of its triple-A rating.

In a new report by Bloomberg, the lenders’ long-term deposit ratings were lowered to Aa2, a one-step decrease and Moody’s third-highest level.

The reason cited by Moody’s for the downgrade is the government’s weakened ability to support the banks.

On Friday, Moody’s downgraded America’s credit rating from AAA to AA1 while changing the country’s outlook from negative to stable. Moody’s attributes the downgrade to the United States’ soaring national debt and interest payment ratios that exceed those of other countries with the same credit rating.

“As deficits and debt have grown, and interest rates have risen, interest payments on government debt have increased markedly. Without adjustments to taxation and spending, we expect budget flexibility to remain limited, with mandatory spending, including interest expense, projected to rise to around 78% of total spending by 2035 from about 73% in 2024.”

Other bank rating downgrades included the senior unsecured debt ratings for some rated subsidiaries and branches of Bank of America. Moody’s also cut the long-term counterparty risk ratings for some units of Bank of America, JPMorgan and Wells Fargo, lowering them to Aa2 from Aa1.

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]]> https://earlybirdsinvest.com/jpmorgan-chase-bank-of-america-and-wells-fargo-all-downgraded-by-moodys-following-us-government-loss-of-aaa-rating-report/feed/ 0 37496 ETH, DOGE, XRP Down 3% as Moody’s Downgrades U.S. Credit Rating https://earlybirdsinvest.com/eth-doge-xrp-down-3-as-moodys-downgrades-u-s-credit-rating/ https://earlybirdsinvest.com/eth-doge-xrp-down-3-as-moodys-downgrades-u-s-credit-rating/#respond Sat, 17 May 2025 10:40:01 +0000 https://earlybirdsinvest.com/eth-doge-xrp-down-3-as-moodys-downgrades-u-s-credit-rating/

Major tokens slumped Saturday as investors digested the implications of Moody’s Ratings downgrading the U.S. credit score, with ether (ETH), XRP, and dogecoin (DOGE) dropping roughly 3%.

The broader crypto market held at $3.3 trillion, paring earlier gains after briefly touching the week’s high.

The move came after rating giant Moody’s cut the U.S. sovereign credit rating to Aa1 from Aaa, citing the country’s swelling deficits, rising interest expenses, and a lack of political will to rein in spending.

The firm now joins Fitch and S&P in assigning a rating below the once-unblemished triple-A status long held by the world’s largest economy.

As such, the White House was quick to respond, with spokespersons for President Donald Trump criticizing the decision as politically motivated.

The downgrade had an immediate effect on traditional markets: U.S. Treasury yields jumped, with the 10-year note rising to 4.49%, while S&P 500 futures dipped 0.6% in after-hours trading.

Historically, concerns about U.S. debt sustainability and dollar debasement have served as tailwinds for bitcoin and other decentralized assets. However, credit downgrades can also trigger short-term risk-off behavior, particularly if macro uncertainty leads institutional traders to reduce exposure.

Meanwhile, some traders warned of a deeper sell-off in the near term on general profit-taking before the next rally.
“Bitcoin is holding the $104,000 mark as a key level and the positive factor is that sellers have not yet managed to seize control of the market,” Alex Kuptsikevich, the FxPro chief market analyst, told CoinDesk in an email. “However, resilience at high levels may be temporary before the next bounce, and there is considerable pressure near the upper boundary of the current range.”
“In other words, the short-term outlook suggests a decline from current levels,” Kuptsikevich opined.

]]> https://earlybirdsinvest.com/eth-doge-xrp-down-3-as-moodys-downgrades-u-s-credit-rating/feed/ 0 36731 Moody’s historic downgrade of US credit system could add fuel to Bitcoin safe-haven status https://earlybirdsinvest.com/moodys-historic-downgrade-of-us-credit-system-could-add-fuel-to-bitcoin-safe-haven-status/ https://earlybirdsinvest.com/moodys-historic-downgrade-of-us-credit-system-could-add-fuel-to-bitcoin-safe-haven-status/#respond Sat, 17 May 2025 05:48:21 +0000 https://earlybirdsinvest.com/moodys-historic-downgrade-of-us-credit-system-could-add-fuel-to-bitcoin-safe-haven-status/

Moody’s downgraded the United States’ long-term credit rating from Aaa to Aa1 on May 16, marking the first time in history the agency has stripped the US of its top-tier status.

The agency pointed to a decade of rising debt levels, escalating interest burdens, and a consistent failure by policymakers to enact meaningful deficit controls.

According to Moody’s, federal deficits are expected to widen sharply in the coming years, potentially reaching 9% of GDP by 2035, up from 6.4% in 2024, as spending commitments grow and interest costs consume more of the federal budget.

While Moody’s affirmed a “stable” outlook for now, citing the dollar’s reserve currency status and the scale of US financial markets, the downgrade marks a symbolic fracture in global perceptions of US creditworthiness.

The move follows prior cuts by S&P in 2011 and Fitch in 2023, leaving the US with no top-tier rating for the first time in modern financial history.

Market reaction was modest, with Treasury yields edging higher. However, the longer-term implications, especially for institutional portfolios built on the assumption of US risk-free debt, may ripple outward over time.

Bitcoin stays firm amid sovereign credit shake-up

Bitcoin (BTC) maintained its position above $100,000 amid the sustained macro uncertainty, highlighting its emerging status as a non-sovereign hedge against fiscal instability.

Based on CryptoSlate data, Bitcoin was trading at $103,591 as of press time, up 0.15% over the past 24 hours. Meanwhile, many of the major altcoins saw some downward selling pressure and volatility following the news.

Bitcoin and equities showed resilience the last time the US faced a rating cut in 2023. The pattern may repeat, but the market remains cautious of potential selling on Monday’s open.

The flagship crypto’s resilience contrasts with the historical view of cryptocurrencies as risk-on assets, suggesting a growing investor base now treats Bitcoin as a strategic allocation during macroeconomic uncertainty.

Many in the industry see Bitcoin’s price stability following the downgrade as further evidence that its safe-haven narrative is gaining traction among investors.

With centralized monetary systems facing credibility challenges, capital appears increasingly open to decentralized alternatives backed by code, scarcity, and network effects rather than government promises.

Bitcoin Market Data

At the time of press 1:32 am UTC on May. 17, 2025, Bitcoin is ranked #1 by market cap and the price is down 0.47% over the past 24 hours. Bitcoin has a market capitalization of $2.05 trillion with a 24-hour trading volume of $44.97 billion. Learn more about Bitcoin ›

Crypto Market Summary

At the time of press 1:32 am UTC on May. 17, 2025, the total crypto market is valued at at $3.28 trillion with a 24-hour volume of $110.11 billion. Bitcoin dominance is currently at 62.50%. Learn more about the crypto market ›

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