Crypto exchange Gemini lifted the price range for its initial public offering to $24 to $26 per share, setting up a debut that could value the company at about $3.2 billion, according to a filing this week.

The New York-based exchange, run by Cameron and Tyler Winklevoss, previously aimed for a range of $17 to $19. The share count remains unchanged at 16.7 million.

At the top end, Gemini would raise roughly $435 million, up from about $317 million under its earlier goal.

Nasdaq partnership

Nasdaq has agreed to invest $50 million in the IPO, highlighting institutional backing for the crypto exchange as it prepares to go public under the ticker GEMI.

The partnership is seen as a vote of confidence in Gemini’s long-term prospects and a signal of Wall Street’s growing acceptance of digital asset platforms.

The IPO comes amid a flurry of fintech listings and renewed appetite for digital-asset companies. However, investor enthusiasm will hinge on Gemini’s ability to stabilize its finances while navigating an evolving regulatory environment.

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CFTC nominee allegations

The IPO is also taking place against the backdrop of fresh regulatory controversy after President Donald Trump’s CFTC chair nominee Brian Quintenz alleged that Tyler Winklevoss attempted to sway his confirmation after failing to initiate a review of Gemini’s long-running dispute with the agency.

Quintenz released private text messages showing Winklevoss sharing Gemini’s complaint against the CFTC Inspector General, which accused the regulator of pursuing unfair enforcement actions.

Quintenz said he refused to promise favorable treatment, committing only to address the matter “fully and fairly” if confirmed. In the messages, Winklevoss expressed frustration over what he described as years of selective enforcement and urged Quintenz to align with Trump’s push to reform regulatory oversight.

The disclosure, made just days before Gemini’s market debut, highlights the company’s high stakes as it seeks to convince investors and regulators of its stability.

Mentioned in this article

05 September Chart Decoder Series: Average True Range – Volatility Tools to Help You Select Your Target and Get Profit

Welcome to Chart decoder seriesconvert professional trading tools into strategies you can use today.

So far, we’ve been working on:

Today we explore ATR (average true range). This is an indicator that solves one of the biggest puzzles in a transaction. What risk is there and where should the stops be placed?

What ATR really says to you

The ATR was developed by J. Welles Wilder Jr. in 1978 as part of a groundbreaking work on technical analysis. Unlike most metrics focusing on price direction, ATR measures only one thing. It’s volatility.

The ATR answers an important question: “How long does this market normally move?”

Calculation: The ATR examines the “true range” of each period. This is the largest.

1. Current high – Low current
2. |Current High – Previous Closed|
3. |Current Low – Previous Closed|

Next, move the average of these true range values ​​over the selected period (14 is the standard for Bitfinex, but you can adjust it to any time you like)

Absolute values ​​ensure that the ATR always shows a positive number, regardless of whether the gap is up or down.

Why is ATR important:

ATR is beyond context. It forms the way traders manage risk, size locations and set exits. Rather than relying solely on intestinal sensation, it provides an objective measure of market behavior that directly informs all transactional decisions.

1. Smarter stop loss

Placement of stops without an ATR is basically guesswork. The ATR indicates what is considered “normal” movement and cannot be thrown away in your daily swing.

• Scalping Stop (0.5 x ATR): Used by high frequency traders who want a quick ex with the first sign of trouble. Effective only during low volatility periods where market movements are predictable
• Standard stop (1 x ATR): Provides ample space for normal price fluctuations while maintaining reasonable risk management
• Stop position (2xATR): For traders who hold a position for several days that needs to survive the normal daily volatility cycle without a premature exit

2. Size your position appropriately

Professional risk management is the maintenance of consistent risk exposure regardless of market conditions. Instead of trading the same size in all conditions, adapt smaller positions when the volatility is high, and adapt larger positions when it’s mild.

3. Volatility breakout spots

Breakouts with expanded ATRs demonstrate institutional participation and true directional beliefs. If price breaks a critical level but the ATR remains flat, it often indicates weak follow-through and a high probability of inversion. The most powerful setup occurs when the price breaks a critical level with an ATR expansion, checking both direction and momentum.

4. Set profit targets

ATR multiple provides a reasonable framework for setting realistic profit targets and helps you move away from guessing towards consistency.

• Conservatives: 1.5 x ATR
• Standard: 2 x ATR
• Aggressive: 3xATR

Actual example: BTC/USD analysis

price: $110,500
ATR (14): 3,033

This tells us:

Bitcoin’s recent average daily exercise is about $3,033. This gives traders a clear context.

• The $3,000 move is no exception. Matches 1xATR
• Approx. 3,000 (1 x ATR) stops losses about normal breathing patio
• A profit target of $4,500-6,000 (1.5-2xATR) is realistic for swing trading
• ATR at this level shows a moderately volatile market that requires careful position sizing and risk management.

ATR + Other Indicators:

When combined with other tools, the ATR becomes even more powerful.

ATR + Bollinger Band: This move is more certain when you hit the extreme Bollinger band with a high-priced ATR. A low ATR in the band may suggest that extremes are not retained.

ATR + RSI: Excessive conditions for RSI with elevated ATR often mark important bases. High volatility shows true sales pressure, and it sells too much and makes the reading more meaningful.

ATR + MACD: MACD crossovers with an ATR expansion are more reliable than those contracted by ATR. Volatility confirms that there is a conviction for a change in momentum.

ATR + Volume + obv: Triple combination: obv points to the direction of smart marten, volume points to immediate conviction, and ATR shows how much to expect. If there is all alignment, there is a high paraability setup.

Bonus Read: ATR + RSI Behavior

price: $110,600
ATR (14): 3,033
RSI (14): 39.12 (nearly excessive)

This tells us:

• The RSI of 39 is below neutral (50), but has surpassed the 30 overselling threshold, still showing bearish momentum rather than extreme.
• ATR of 3,033 indicates an increase in daily volatility. This means that the swing is big.

For traders:

• Bearish rsi + high atr = Sales pressure is active and backed by volatility.
• If RSI approaches 30 while the ATR is high, the market is not just going down, but is being sold by force. Overselling conditions will carry more weight.
• If the RSI begins to climb while the ATR remains high, the bounce may have some strength behind it rather than simply a weak recovery.

ATR limitations to remember:

Delay indicator
The ATR is based on past price transfers. It tells us what volatility is, not necessarily what it is.

There is no direction bias
ATRs don’t tell you what direction the market will move. It’s just a typical amount of movement.

Smoothed data
Like all moving averages, ATRs can be slower to respond to sudden changes in volatility.

Market context is important
ATRs in trending markets behave differently than horizontal markets. Always consider the larger picture.

Pro tips for ATR:

1. Use multiple time frames

• Daily ATR: For swing trading and position sizing
• 4-hour ATR: For day trading setup
• 1 hour ATR: For accurate input timing

2. Economic calendar integration

ATRs often spike major news events. Plan position sizing and stop placement accordingly.

3. Weekend benefits

Crypto Markets is open 24/7, but volatility patterns often change over the weekend. Consider individual ATR calculations for weekday and weekends.

Try it with Bitfinex:

1. Log in to Bitfinex
2. Choose your main trading pair
3. Add an ATR indicator (starts with the standard 14 periods. The length can be adjusted within the ATR settings)
4. Observe how ATR changes in different market conditions
5. Practice using ATR for stop loss placement
6. Note the correlation between ATR and key price movements

Bitfinex. Original Bitcoin exchange.

]]> https://earlybirdsinvest.com/chart-decoder-series-average-true-range-volatility-tools-to-help-you-select-your-target-and-get-profit/feed/ 0 57289 https://earlybirdsinvest.com/bitcoin-prepares-for-make-or-break-move-as-textbook-triangle-meets-tight-range/ https://earlybirdsinvest.com/bitcoin-prepares-for-make-or-break-move-as-textbook-triangle-meets-tight-range/#respond Fri, 15 Aug 2025 23:43:31 +0000 https://earlybirdsinvest.com/bitcoin-prepares-for-make-or-break-move-as-textbook-triangle-meets-tight-range/

Bitcoin is approaching a critical juncture as its textbook ascending triangle converges with a tight trading range. Consolidation near key support and resistance levels sets the stage for a potential breakout or breakdown, making the next moves crucial for market momentum.

Ascending Triangle Signals Strength

Alpha Crypto Signal, in a recent post, highlighted that Bitcoin is currently shaping a textbook ascending triangle pattern on the daily chart — a well-recognized bullish continuation setup. The analyst explained that price action is consolidating just under the horizontal resistance zone at $122,500, while a series of higher lows continues to form along the rising trendline, signaling strong underlying demand.

Related Reading

The analyst emphasized that as long as BTC holds above the 9 EMA at $118,738 and respects the ascending triangle’s support line, the overall bias remains bullish. These levels are crucial in maintaining the pattern’s structure, and a break below them could shift sentiment in favor of the bears. The persistence of higher lows indicates that buyers are consistently stepping in, preventing significant pullbacks, as indicated on the chart.

In conclusion, Alpha Crypto Signal stated that a clean break above the $122,500 resistance, backed by strong volume, could open the door for BTC to push toward a new all-time high. Such a move is likely to confirm the ascending triangle breakout and potentially trigger the next major bullish wave in the market.

Bitcoin Stuck Between $112,592 And $123,334

In an X post, X_Crypto, after examining Bitcoin’s action in a 4-hour timeframe, revealed that the flagship asset is currently trading within a defined range between $112,592 and $123,334, as highlighted on the chart. Meanwhile, the price is hovering around $119,106, with local support at $117,445 and the nearest resistance set at $123,334.

Related Reading

The analyst noted that above the current range, $124,576 stands out as a key resistance zone. If this level is breached, the next upside target would be $127,272, which could serve as a profit-taking point in a bullish scenario. These levels will be critical in determining the strength of any upward continuation.

On the downside, X_Crypto pointed out that a break below $117,445 could open the way for a drop toward $112,592 — the lower boundary of the range and a strong support zone where buyers are likely to step in. This area, the writer stressed, will be pivotal for defending the broader bullish structure.

Lastly, indicators on the lower timeframes, as mentioned by X_Crypto, are showing local oversold conditions, hinting at a potential short-term bounce. However, the analyst cautioned that without sustained consolidation above $119,106, selling pressure could persist, limiting any meaningful upside momentum.

Featured image from Getty Images, chart from Tradingview.com

Litecoin (LTC) is picking up speed. The coin is now trading at $116 after rising 20% over the last seven days. Trade volume has also jumped by 1.30%, hitting $1.27 billion.

Related Reading

That’s a clear sign of growing activity. Over the past week, LTC has surged by 24%, reaching a high of $119.21. For many traders watching the charts, momentum is starting to build again.

Bulls Eye $125 As Momentum Builds

Crypto analyst Naveed said Litecoin has broken through a key resistance level. According to him, the price “filled the fair value gap” and moved higher just as predicted.

The next target now falls in the $120–$125 zone. That’s the level many traders are watching as a potential breakout point.

$LTC just broke above a key level just as told before and is now flying at $118.26

– Price filled the FVG and pushed HIGHER
– Target hit

Next target: $120–$125 zone

Let’s see if bulls can keep it going https://t.co/ozGP3gVXA3 pic.twitter.com/PB59Jy832U

— Naveed (@navex_eth) July 21, 2025

The growing optimism isn’t just about short-term moves. Some analysts have projected that LTC might reach as high as $262 sometime in 2025, even after a rough start to the year.

Their outlook includes a rise to $140, followed by a potential dip under $94 before making a comeback. The long-term picture includes a shot at the previous all-time high of $413, although that’s a steep climb from where it is now.

Litecoin Sentiment Turns Bullish

Meanwhile, CoinCodex gave a more conservative outlook. They expect LTC to rise by 15% and hit $134 by August 22, 2025. Their technical indicators show that the overall sentiment is bullish. Also, the Fear & Greed Index is currently sitting at 74, which points to high confidence—or greed—among investors.

LTC has registered gains on 19 of the previous 30 trading days. That’s approximately 60% of the time, with price fluctuations of nearly 11%. It’s an indicator that Litecoin’s price is going up, but it’s not doing so in a linear motion. Investors are finding space for appreciation but are aware the market is still volatile.

Market Watching $140 After $125 Test

If LTC clears the $125 resistance, the path toward $140 could open up. A lot of traders agree this level is important, not just from a technical point of view but also because of growing market interest. Social chatter is increasing, and trading activity is starting to pick up across different crypto exchanges.

Related Reading

However, not everything is certain. Global markets are still reactive to such things as interest rate changes, inflation reports, or policy changes. Crypto regulation is also something that might shift sentiment very rapidly. But Litecoin’s recent resilience has allowed it to outshine altcoins during this month.

With $134 in sight and a possible return to $262 in 2025, Litecoin is showing signs of life again. Whether it can sustain the rally will depend on what happens next—especially around that $125 line.

Featured image from Unsplash, chart from TradingView

Traders are in a market structured heavily in favor of upside exposure, with positioning and Greek profiles aligning at a delicate inflection point. Current open interest and premium distribution indicate that how these positions unwind could shape the next leg in Bitcoin’s rally.

Open interest in BTC options has steadily recovered from the early June dip, rising from 335,000 BTC to nearly 394,000 BTC as of July 14. The total notional value is back to $46.87 billion on a dollar basis, with Deribit accounting for 81%. BTC’s price increase over the same period has contributed to the rise in notional, but the surge in total contracts suggests new speculative inflows, not merely mark-to-market adjustments.

Deribit data shows 202,903 BTC worth of call options currently open, compared to 117,580 BTC in puts. While the raw number of contracts already reveals a clear tilt toward upside exposure, the disparity becomes more striking when measured in monetary terms. Calls have a notional value of $24.86 billion and a market value of $1.92 billion, whereas puts have a total notional value of $14.41 billion but just $106.39 million in market value. This means that although the notional value of puts is relatively high, indicating a sizable volume of downside coverage, the actual premium invested in those positions is minimal.

Notional value refers to the total underlying exposure of an option if exercised, in this case, the BTC amount multiplied by the strike price. On the other hand, market value reflects the current price of those options or the cost paid to acquire them. In options trading, notional value speaks to scale, while market value captures sentiment and risk appetite.

The stark difference between these two values for puts indicates a lack of conviction behind downside protection. Most existing put positions are far out-of-the-money, layered around the $100,000 strike or below, where the likelihood of these contracts being profitable at expiry is low. As a result, their premiums are deeply discounted, making them cheap to hold but relatively ineffective as real hedges.

Traders may be deploying them as low-cost insurance or as part of broader strategies like collars or spreads, rather than making directional bets on a decline. This contrasts with the call side, where higher premiums are concentrated around at-the-money and slightly out-of-the-money strikes, such as $115,000, $120,000, and $130,000.

Option strike clusters reveal focal zones

A key feature of the current options setup is the clustering of open interest around specific strike prices. The most concentrated levels of activity are:

• $100,000: 9,620 puts and 6,050 calls ($1.92 billion notional)
• $115,000: 15,080 calls and 2,530 puts ($2.16 billion notional)
• $120,000: 20,160 calls and 951 puts ($2.59 billion notional)
• $130,000: 16,150 calls and 174 puts ($2.00 billion notional)
• $140,000: 18,030 calls and 265 puts ($2.24 billion notional)

These figures show a strong upward ladder of call positioning, with the $120,000 strike currently serving as a key inflection. With spot trading just above this level, the market is effectively pressing against its most crowded call wall. The low number of puts at these upper strikes indicates little interest in hedging against a downside reversal.

Option Greeks provide further insight into why BTC holds close to the $121,000 mark. Gamma peaks just above $123,000, forming a classic bell curve around the current spot price. Dealers short gamma in this region must adjust their hedges frequently, buying BTC as it rises and selling as it falls. This suppresses volatility while the price stays within the gamma apex range. If spot breaks materially above or below, the suppression effect fades, and volatility can resurge.

Delta shows a sharp transition between –0.25 and +0.45 near $121,000-$123,000. That means a small move in spot can flip dealer hedging behavior from net short to net long, potentially triggering rapid buying from desks caught offside. This tells us that the $121,000 to $125,000 range is psychologically and structurally important.

Theta is also steepest near the current range, suggesting that time decay is working hardest against option holders right where most speculative capital is concentrated. Vega also peaks at $123,000, indicating that volatility sensitivity is maximized there.

The current structure of the options market suggests that traders are net short calls at key strike prices, particularly at above $120,000. As Bitcoin remains above these levels, options traders will be forced to delta-hedge by buying BTC in spot or futures, which can push prices higher. This is a relatively common short-gamma feedback loop and likely one of the forces sustaining Bitcoin near its all-time high.

If BTC hovers around $121,000, gamma pinning should hold the price range tight, and volatility may remain suppressed into the July 15 expiry. A breakout above $125,000 would trigger aggressive dealer hedging and a possible squeeze toward $130,000.

With calls dominant, this could create an accelerated upward move with limited friction. However, a reversal below $118,000 would flip delta and reduce hedging demand. Given the thin put structure, a reversal could gather speed quickly if long calls are abandoned.

The post Options gamma pin at $123k holds Bitcoin in a tight range after new ATH appeared first on CryptoSlate.

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Ethereum price action on the 1-day chart continues to unfold in line with prior expectations, showing steady progress within its established bullish setup. The price remains well-structured with ETH holding above key support and respecting trend dynamics.

Ethereum’s Next Key Targets — Where Price Could Be Headed

Ethereum is facing resistance from a tight cluster of EMAs, which is acting as a ceiling and compressing price action. Crypto Devil highlighted on X that ETH needs to show strength and break above these EMAs to shift short-term momentum back to bull.

The price action has already hit the RSI target and rejected from the initial chart target, indicating a possible exhaustion of momentum, but not a breakdown. ETH is showing signs of a potential spring test, a setup that often signals the final shakeout before a bullish breakout.

The key confirmation signals to watch are: A break above the tight EMAs signals a bullish control trend, reclaiming the $2.600 level, which is a significant resistance and chart target. This would push the RSI above 53, indicating renewed strength and momentum.

Barry | ChartMonkey also noted that the Ethereum weekly chart shows price steadily rising as expected, maintaining a clean bullish structure, and now approaching a critical resistance zone between $2,600 and $2,900. This resistance zone marks a pivotal moment for ETH.

However, a break above $2,900 could ignite a new wave of bullish momentum, potentially setting the stage for a broader breakout toward higher targets. Thus, ETH could be on the verge of a significant upside move.

On the 4-hour chart, Ethereum is gaining momentum, up 7.58% on the day and trading around $2,593. According to Wayne Liang, this surge is due to a combination of strong accumulation patterns, steady ETF inflows, and rising staking activity.

Despite the impressive move, Wayne stated that the short-term outlook remains slightly bearish, with overhead resistance and cooling indicators, the broader trend remains bullish on the long-term trajectory. He refers to the current technical setup as a beautiful blue diamond, a symbolic description for the coiling structure before momentum could explode to the upside.

Ethereum In Bullish Continuation Zone

Whales_Crypto_Trading analyzed that Ethereum is holding above the lower boundary of an ascending triangle formation on the 2-hour chart, a bullish continuation pattern that precedes upward movement. If the pattern plays out, ETH could surge toward the $3,200 target, a move that aligns with technical projections and bullish market sentiment.

The analyst also revealed that Ethereum is testing a key resistance level that has now turned into support. This level is where ETH might determine whether it maintains an upward trend or faces a pullback.  

If this support holds, ETH price could climb toward the $4,000 level in the next few months. This level represents a milestone that aligns with technical targets and growing market enthusiasm.

Featured image from Istock images, chart from tradingview.com

Editorial Process for bitcoinist is centered on delivering thoroughly researched, accurate, and unbiased content. We uphold strict sourcing standards, and each page undergoes diligent review by our team of top technology experts and seasoned editors. This process ensures the integrity, relevance, and value of our content for our readers.

June 27th How quickly can you see a wide range of Bitcoin mortgages?

At a prominent moment of the convergence of cryptocurrency and traditional finances, Michael Saylor of Strategy launched a public dialogue with US Federal Housing and Finance Agency (FHFA) director William Prute regarding the integration of Bitcoin into mainstream mortgages. This engagement focuses on Silorer’s proposal to share a unique Bitcoin credit model designed to assess loan risk using Bitcoin-specific metrics such as volatility and asset coverage. The conversation could show a change in the way federal housing agencies such as Fannie Mae and Freddie Mac value borrower assets following Pulte’s announcement that FHFA is investigating whether cryptocurrency holdings can play a role in mortgage eligibility. The exchange highlights not only the role of Bitcoin maturation in financial planning, but it also may affect the way federal regulators incorporate digital assets into their home lending frameworks.

Was William Pulte, FHFA Director, Saylor Orange Pill Us?

In a recent development, highlighting the intersection of digital assets and traditional finance, Micro Strategy Executive Director Michael Saylor has been published with William Parte, director of the Federal Housing Finance Agency (FHFA) on the potential Bitcoin-backed mortgage model. Saylor has offered to share the strategy’s own Bitcoin credit model. It analyzes loan risk and pricing based on key Bitcoin-specific metrics such as price volatility, asset viewing forecasts, and collateral coverage. The outreach follows Pulte’s statement that FHFA will study how cryptocurrency holdings are considered in mortgage eligibility assessments. This is an announcement that federal housing agencies such as Fannie Mae and Freddie Mac may be revisiting Light Heritage Loan Standards for U.S. households’ evolved asset portfolios.

Given its role in overseeing government-sponsored mortgage giants Fannie Mae and Freddie Mac, FHFA’s willingness to investigate cryptocurrency integration is particularly noteworthy given that cryptocurrencies must be converted into US dollars and held in regulated institutions before they can be counted in the calculation of borrower assets. Until the beginning of this year, regulations such as the SEC’s now repeated SAB 121 effectively prevented mainstream financial institutions from accepting crypto assets as collateral for loans. By removing these accounting restrictions, it opens up new opportunities for digital assets to be recognized in the underwriting framework, potentially allowing borrowers to take advantage of Bitcoin Holding without liquidation.

Saylor’s intervention adds technical depth to this policy conversation by introducing a credit model specialized for the characteristics of Bitcoin as collateral. Unlike traditional assets, the volatility, liquidity, and non-sovereign nature of Bitcoin requires clear methods to calculate loan-value ratios, period-based risk spreads, and margin thresholds. His company’s model aims to quantify these variables and support a safer, over-carrier lending structure that can be integrated into existing mortgage products. If regulators adopt or adapt such a framework, they could mark an important step towards mainstreaming crypto-assisted mortgages through established institutions rather than niche providers.

The exchange also arrives amid growing public interest in alternative financing models, particularly among young Americans who hold an unbalanced share of net worth in digital assets. A policy shift from institutions like the FHFA could justify the use of Bitcoin as a form of wealth in housing finance, and could improve access to homeownership for households from crypto. Whether this indicates a broader consistency between crypto innovation and US housing policy remains to be seen, but the Saylor and Pulte dialogue suggests that such a debate is no longer theoretical.

What is a Bitcoin-supported mortgage? How does it work?

Bitcoin mortgages are a type of loan in which Bitcoin (BTC) is used as collateral rather than traditional down payments. In this structure, the borrower pledges a specified amount of Bitcoin to the lender and holds it in escrow during the mortgage period. The borrower will then receive Fiat Currency (USD) to purchase the property and make monthly repayments, similar to traditional mortgages. These arrangements are usually over-secured. In other words, the value of the pledged Bitcoin exceeds the value of the loan, protecting lenders from price volatility. If the Bitcoin value falls below a certain threshold, borrowers may be required to add BTC collateral or risk liquidation to cover the balance of outstanding payments.

Compared to standard mortgages, Bitcoin-assisted mortgages offer different risk compensation profiles. Traditional mortgages are based on credit history, income documents, and Fiat’s down payments usually between 10% and 20% of the home’s value. By contrast, Bitcoin mortgages can pose to borrowers who are crypto and have wealth, but don’t want to settle their holdings or are unable to. These products can avoid some of the traditional underwriting document hurdles, but introduce new risks regarding asset volatility. Additionally, while professional lenders offer these products, most traditional banks do not accept Bitcoin as a valid asset for mortgage eligibility due to regulatory and balance sheet constraints, this could change if an institution like FHFA expands its asset recognition criteria.

Bitcoin native features such as Multisig wallets and Time Locks enhance security and minimization of trust in lending arrangements. Multisig allows a predefined number of parties to only spend their funds when approving the transaction and reducing the risk of counterparties, but time locking allows transactions to be locked to a specific time or block height, allowing automated loan expiration or repayment terms.

Bitcoin mortgage rates are competitive, but often vary widely depending on lenders, collateral coverage and market conditions. Fees can be lower than unsecured cryptocurrencies, but they are not always on par with the most favorable traditional mortgage rates, especially from government-supported lenders. In some cases, lenders may offer flexible terms to attract borrowers who want to remain exposed to a long-term assessment of BTC while accessing liquidity. However, borrowers can erode the benefits of any rate as they face additional costs such as management fees and escrow fees and risk of margin calls during market slump. Until Bitcoin becomes an asset approved within traditional institutions such as Fannie Mae and Freddie Mac, rates are unlikely to standardize across the broader lending market.

Driven by a fixed coin supply of 21 million and half cycles every four years, Bitcoin’s deflationary economic model introduces unique dynamics in mortgage lending. In theory, if new supplies are cut in half and the issuance slows down, the bitcoin shortage could increase its value over time. This historically encourages long-term holdings (hodling), making Bitcoin an attractive reserve asset for some. In the mortgage context, this could be reluctant to pledge Bitcoin as collateral, and fear opportunity costs if prices rise dramatically. At the same time, lenders may be cautious about sharp declines that could undermine the collateral value. The success of Bitcoin mortgages over the long term depends on how lenders and regulators manage this volatility, and whether Bitcoin’s deflationary model is considered a stable foundation enough to support large, long-term financial products like mortgages.

Is Saylor too optimistic, or will the lending industry accept Bitcoin?

Michael Saylor’s framing of Bitcoin as a digital asset rather than digital cash defined his entire investment philosophy and led both the corporate strategy of strategy and his broader public advocacy. By treating Bitcoin as a valuable, long-term storage, rather than as a medium of exchange, Saylor dismissed in favour of accumulating and holding spending or transactions with BTC indefinitely. However, this belief naturally led him to explore the mechanisms through which Bitcoin can generate yields. This is a pursuit of worrying about the principles of asset trust maximizing design and P2P. His recent interest in Bitcoin-backed credit models, such as mortgages, reflects his desire to monetize Bitcoin without selling it. However, this approach enters dark territory, especially considering the prominent collapse of past retail-centric crypto lending platforms offering similar promises.

The failures of companies such as celsius, Voyager and Blockfi highlight the inherent risks of trying to extract yields from volatile digital assets in underregulated environments. These companies provided attractive returns for depositors whilst engaging in opaque, leveraged and often inconsistent lending practices. When prices collapsed, the balance sheet also collapsed, and users installed frozen accounts and losses. The yield in Saylor’s version is rooted in collateral against Bitcoin, excess carrier overlook, rather than deducted or re-guaranteed sediment, which may appear more conservative in comparison. However, the underlying tension remains in the fact that Bitcoin is not a risk-free yield generating tool, and introducing debt-based products around it reintroducing credit, counterparty risk, and systemic vulnerabilities into a space designed to theoretically eliminate them.

If federal regulators such as FHFA ultimately approve the use of Bitcoin as a collateral qualifying for a mortgage, the traditional lending industry could be forced to adapt to new classes of assets and borrowers. Banks and government-backed companies such as Fannie Mae and Freddie Mac should develop protocols to evaluate, protect and manage digital collateral in accordance with capital requirements and consumer protection regulations. This could bring new revenue streams, borrower demographics and innovation to the mortgage sector, especially among households from young crypto origins who are blessed with traditional standards but are overexposed to digital assets. It could also promote standardization efforts, including regulatory guidance on custody, assessment methods and margin maintenance.

If the federal government establishes a clear and lucrative regulatory framework for Bitcoin-backed mortgages through agencies like FHFA, key players in the banking industry could carefully follow suit. While traditional financial institutions are generally risk averse and highly regulated, they also have a long history of adapting to government-supported policy shifts, especially when they involve guarantees and securitization mechanisms provided by Fannie Mae and Freddie Mac. The green light from federal authorities reduces legal ambiguity and provides the compliance infrastructure needed for banks to safely evaluate, detain and lend Bitcoin collateral. While some conservative agencies may be able to hesitate due to volatility concerns and reputational risks, others, especially Fintech Forward Banks and banks already seeking custody of digital assets, can view this as a competitive opportunity to leverage the growing demographics of competitive demographics and expand their lending portfolios in highly resident markets.

In an optimistic scenario, if Bitcoin-backed mortgages prove traction and resilient, the lending industry can see a wave of hybrid financial products that combine traditional underwriting and decentralized asset classes. Lenders either offer tiered products with dynamic loan and value ratios based on Bitcoin volatility metrics, or integrate Stablecoins and BTC together to balance risk. Over time, the legitimacy of Bitcoin as a financial asset class may solidify, leading to a new class of secondary markets for potentially tokenized mortgage debt or credit infrastructure. However, this vision depends on whether institutional actors can responsibly manage the volatility and cultural idiosyncraticity of Bitcoin without repeating the speculative overreach that destined for previous lending experiments in the crypto space.

]]> https://earlybirdsinvest.com/how-quickly-can-you-see-a-wide-range-of-bitcoin-mortgages/feed/ 0 44544 https://earlybirdsinvest.com/xrp-establishes-higher-range-as-in-positive-sign-of-bullish-breakout/ https://earlybirdsinvest.com/xrp-establishes-higher-range-as-in-positive-sign-of-bullish-breakout/#respond Fri, 20 Jun 2025 17:11:41 +0000 https://earlybirdsinvest.com/xrp-establishes-higher-range-as-in-positive-sign-of-bullish-breakout/

XRP is stabilizing near the top of its recent range and showing signs of bullish pressure as volatility narrows.

With strong volume-backed support at $2.14–$2.15 and multiple resistance tests at $2.18, the asset appears to be coiling within an ascending channel, setting the stage for a possible breakout.

News Background

• Middle East conflicts triggered renewed risk-off sentiment across markets, sparking liquidations across crypto. While top assets like Cardano and Solana posted over 1% declines, XRP has managed to hold ground — forming higher lows and carving out a new trading band in the $2.14–$2.18 zone.
• This resilience comes as the Federal Reserve prepares to announce its next interest rate decision. With global economic policy increasingly fragmented, crypto traders are bracing for sharp moves across digital assets.
• Despite broader caution, XRP’s recent behavior suggests underlying strength, with technical compression pointing to a potential breakout setup.
• XRP’s long-term structure remains in focus. After nearly 200 days of ranging between $1.90 and $2.90, the token is testing the upper end of a descending channel on the USDT pair, with macro resistance near $2.60.
• Analysts continue to debate whether this structure mirrors XRP’s 2017 price setup — a consolidation that preceded a 1,300% breakout.
• Meanwhile, investor behavior is shifting. Glassnode data shows rising profit-taking activity averaging $68.8 million daily, even as Bollinger Bands narrow — a classic sign of pending volatility.

Price Action

XRP traded within a 3.81% range from $2.143 to $2.182 over 24 hours, with strong buying pressure defending support at $2.143 during the 07:00 hour, where volume spiked to nearly 50 million units. Resistance was tested repeatedly at $2.179–$2.182 throughout the day but held firm.

In the final trading hour, XRP fell from a local high of $2.181 to $2.167, a 0.7% drop that formed a new short-term descending channel. Volume surged to 1.7 million as support at $2.170 was breached, but price stabilized quickly and formed a higher low, preserving the broader uptrend structure.

Technical Analysis Recap

• XRP posted a 3.81% 24-hour range, from $2.143 to $2.182.
• Support held at $2.143–$2.147 with heavy volume during early session lows.
• Resistance tested at $2.179–$2.182 multiple times, forming a clear upper boundary.
• Price action appears to form an ascending channel with higher lows intact.
• Late-session sell-off triggered by 1.7M volume spike at $2.170, but price recovered to $2.167.
• Descending micro-channel formed in the final hour; broader trend remains bullish if $2.14 support holds.
• Bollinger Bands tightening; RSI neutral at 52 suggests pending volatility.

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Bitcoin’s current bearish movements appear to have intensified as market sentiment wanes, causing the flagship asset to lose the key $104,000 price level. Despite the recent pullback, key metrics such as the BTC Realized Profits are still in a positive range.

Realized Profits On Bitcoin At A Neutral Level

Following Bitcoin’s price decline, on-chain data shows that the Bitcoin market dynamics are seeing a cool-off as BTC Realized profits remain at a key zone. The current levels of realized profit indicate that the market is functioning in a state of sound equilibrium, showing no immediate indications of overheating or undue speculation.

On-chain expert and verified author Darkfost reported the development in a recent post on the X platform. According to the on-chain expert, as Bitcoin stabilizes in the face of economic and geopolitical uncertainties, keeping an eye on on-chain activity becomes essential.

Currently, Darkfost has stated that there are no significant red flags regarding realized profits on Bitcoin within the 7-day timeframe. In the current state of the market, the expert believes that it is crucial to monitor these indicators in order to predict any changes in market structure or attitude.

Even though bearish pressure is building in the sector, this stability suggests that the market may still have the capacity to rise as investors are exercising patience rather than making hasty withdrawals.

After he analyzed the BTC Net Realized Profit/Loss metric, Darkfost revealed that realized profits are still below a $1 billion value. This level is similar to what was captured near the conclusion of the correction in October 2024, as seen on the chart.

Despite a minor increase during the most recent all-time high, realized profits were still far lower than those recorded in January 2025. Such a positioning from the metric implies that investors and traders are not concerned enough or are not seeing enough profit to spark a large-scale sell-off.

A Huge Change In BTC’s Realized Cap

Looking into Bitcoin’s Realized Cap – UTXO Age Bands by percentage, the metric shows a shift in BTC movements. Kyle Doops, a market expert and Crypto Banter Show host, noted that more BTC is currently moving to strong hands or seasoned investors after he examined the key metric.

Data from the key on-chain metric shows that the share of UTXOs held for 6 to 12 months has now doubled. According to the expert, this notable advancement marks a massive shift in market dynamics.

Following the massive shift, Kyle Doops highlighted that conviction is increasing and supply is becoming more scarce. Such a trend was observed in the past, particularly in 2024. Historically, this kind of setup has preceded a rebound in price, which suggests that the ongoing volatility may be the calm before a major run.

Featured image from Pixabay, chart from Tradingview.com

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