Recently, XRP has been trading sideways around $2.8, with market opinions clearly divided. On the one hand, investors are pinning their hopes on the potential approval of a spot ETF, seen as a key milestone in bringing XRP into mainstream, compliant investment channels. On the other hand, short-term price volatility and macro-market uncertainty continue to make XRP holders cautious.

Against this backdrop, many investors are turning their attention to how to diversify their risk without reducing their core holdings. Industry observers note that the compliant and transparent cloud mining model is increasingly being viewed as a complementary strategy by some XRP holders.

BAY Miner emphasizes that, amidst fluctuating market sentiment and a fading regulatory landscape, exploring cloud mining is not only a diversification strategy but also reflects investors’ desire for stability amidst volatile periods.

Diverging XRP Market Trends and Regulatory Progress

Since September, XRP has remained stable around $2.8. Some analysts believe that ETF approval will attract regulated capital inflows. However, others warn that short-term volatility is inevitable amidst tightening global liquidity and economic uncertainty.

On the regulatory front, the United States and Europe are accelerating the rollout of digital asset frameworks. Progress in ETF approvals and cross-border payment regulations has rekindled market attention regarding XRP’s long-term application value. Ripple’s position in payments and clearing has also been reiterated.

How Holders Find Balance During Volatile Cycles

XRP holders face a question not “whether to hold” but “how to allocate their holdings.” Spot trading is exposed to price fluctuations, while staking and other assets lack flexibility. To expand their options without reducing their holdings, some investors are turning to cloud mining.

Cloud mining has become a supplementary tool being considered due to its low entry threshold, transparent model, and low correlation with spot prices. BAY Miner notes that this method can provide a certain balance to a portfolio during volatile periods.

The Concept of Cloud Mining and Its Position in an Investment Portfolio

Cloud mining uses remote computing power hosting, allowing investors to participate in network block production without having to build their own equipment. With increasing regulatory compliance, it is evolving from its early obscurity to transparency and standardization.

Its value lies not in replacing spot trading but in diversification. Unlike investments directly linked to market prices, cloud mining returns are also affected by computing power, network difficulty, and operational maintenance, and their performance does not fully track the price of the coin. This provides XRP holders with an additional option during times of market uncertainty.

BAY Miner’s Positioning in the Compliance and Transparency Trend

BAY Miner positions itself as a compliance-oriented, transparent, and mobile-first platform. Through parameter disclosure and standardized processes, the platform provides investors with comprehensive information before participating and allows them to track their progress in real time.

Unlike traditional computing power services, BAY Miner emphasizes clear instructions and information disclosure rather than “zero risk” promises. Its mobile design simplifies registration, plan selection, and tracking, making cloud mining accessible to investors with a lower barrier to entry.

Simplified Process and Mobile-First Investment Experience

BAY Miner adopts a mobile-first design, making it easier for investors to enter the cloud mining market. The entire process is closer to common digital service registration rather than complex technical operations.

Investors typically go through the following steps to get started:

• Account Creation: Users complete basic registration on the platform to gain access to the system.
• Contract Selection: Investors can choose from a variety of cloud mining plans based on their investment goals and timeframe.
• Real-Time Status Tracking: After entering, users can check the computing power status and operation status at any time through the mobile interface, achieving process transparency.

This digital experience lowers the technical barrier to entry, making cloud mining more accessible to XRP holders and increasing portfolio diversification options.

Compliance-Driven and Multi-Layered Security

As the crypto market enters a regulatory framework, compliance has become a core issue. BAY Miner states that its operations are based on the principles of compliance and transparency, and that it employs security measures such as encryption, attack prevention, and system monitoring to enhance platform resilience.

This dual approach allows it to align with industry trends amidst a shifting policy landscape, and it provides a relatively stable entry point for XRP holders.

ETFs, Cross-border Payments, and the Future of Compliance

In the future, ETF development, cross-border payment applications, and regulatory implementation will continue to drive XRP’s trajectory. Ripple’s payment positioning may strengthen its long-term value, but short-term volatility will remain.

BAY Miner believes that diversification and regulatory compliance will become two major market trends. Cloud mining may become a supplementary tool for XRP holders to balance short-term and long-term interests, adding flexibility to their portfolios.

Conclusion: Exploring Diversification Amidst Uncertainty

As XRP’s long-term potential intersects with short-term volatility, holders are focusing on how to balance conviction with flexibility. BAY Miner notes that compliant cloud mining is emerging as a supplementary tool for XRP investors, adding another layer of choice in portfolio strategies.

For more information, visit the BAY Miner official website at www.bayminer.com.

Contact the team via [email protected].

Access the BAY Miner App on iOS and Android for convenient cloud mining participation in BTC, ETH, and XRP.

Author

Sujha Sundararajan

Author

Sujha Sundararajan

About Author

Sujha has been recognised as Women In Crypto 2024 by BeInCrypto for her leadership in crypto journalism.

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July 22, 2025

JPMorgan Chase is reportedly exploring lending against clients’ Bitcoin and Ethereum holdings starting next year, sources told the Financial Times. However, they cautioned that the plans are subject to change.

The move would make JPMorgan one of the largest US banks to endorse crypto into mainstream.

JPMorgan Chase CEO Jamie Dimon, who has been a vocal skeptic of Bitcoin, calling the asset a “fraud.” However, he recently said that stablecoins are “real,” adding that JPMorgan will be involved both in deposit tokens and stablecoins.

One source familiar with the matter told the FT that CEO Dimon, who once said he would fire any trader who traded crypto, has isolated some clients who dealt with crypto.

Lending against crypto would let users pledge their BTC and ETH holdings to borrow loans. Major US banks’ pivot to crypto-based services follows a bullish crypto regulatory environment under the Trump administration.

JPMorgan Already Allows Clients to Borrow Against Crypto ETFs

The NYC-headquartered bank said in June that it will allow selected clients to borrow against crypto ETFs, starting with BlackRock’s iShares Bitcoin Trust. JPMorgan said it has plans to expand access to other funds after the rollout.

The change would apply to wealthy clients, marking a shift in how cryptos are factored into credit decisions.

However, lending against the actual digital assets would be the next key step. That said, JPMorgan would need to work on resolving the technical aspects of handling crypto seized from customers who failed to repay their loans.

CEO Dimon also said that the bank will soon let clients buy Bitcoin, clarifying that it will not custody it.

Big Banks Cheer US GENIUS Act

JPMorgan plans to directly lend against cryptos arrive days after the week when crypto won big in America. President Donald Trump signed the GENIUS Act into law at the White House last Friday, creating a clear stablecoin regulation.

“The entire crypto community, for years you were mocked and dismissed and counted out,” said Trump, adding that this signing is a massive validation.

Large Wall Street banks cheered the signing of the bill, calling the move an easier way for banks to deal with crypto assets. However, JPMorgan has remained cautious, setting realistic predictions on stablecoins. The banking giant forecasted that the stablecoin market will grow to $500 billion by 2028.

The bank doubled down on the trillion-dollar forecasts, calling them “far too optimistic.”

“The idea that stablecoins will replace traditional money for everyday use is still far from reality,” the bank noted.

Tuttle Capital has filed an amendment to shift the effective date for a series of crypto and meme-related leveraged exchange-traded funds (ETFs) to July 16.

This move, first reported by Bloomberg’s ETF analyst Eric Balchunas on July 1, could signal the imminent launch of 10 new leveraged funds.

These ETFs are poised to offer double (2x) leveraged exposure to various assets, including well-known cryptocurrencies like Solana, Chainlink, Cardano, Polkadot, and Litecoin, as well as meme assets such as Trump, Melania, and Bonk.

If approved, the funds would also include assets like XRP and mark a notable expansion in the range of crypto options available to ETF investors.

However, Balchunas clarified that the amended effective date doesn’t always guarantee a launch, though it is often a strong indication that the product is imminent.

He said:

“[This] doesn’t mean they will launch but typically effective dates are when ETFs launch.”

Tuttle originally filed for these ETFs in January, catching the attention of analysts due to their aggressive design.

Unlike standard ETFs, which mirror the underlying asset’s price movement one-to-one, leveraged ETFs aim to amplify these movements, providing investors with double the exposure—both gains and losses—compared to the asset’s daily performance.

Notably, many of these assets do not yet have basic spot ETF counterparts, making Tuttle’s filings unusual.

Crypto ETF wave

The potential debut of Tuttle’s ETFs follows a broader innovation trend in crypto-related financial products.

Rex Shares and Osprey Funds are leading the drive, with a staking Solana ETF (SSK) launch scheduled for July 2. This product would give investors direct exposure to SOL and incorporate on-chain staking rewards.

Unlike the usual spot ETF product, the fund is registered under the Investment Company Act and taxed as a C-corporation. This regulatory structure means that while the US SEC didn’t officially “approve” it, there were no objections to its launch.

According to Balchunas, SSK’s debut could motivate other firms to push for more innovative product designs that face minimal regulatory resistance.

Mentioned in this article

Crypto exchange Gemini has launched tokenized Strategy (MSTR) shares for customers in the EU, marking the beginning of its rollout of tokenized U.S. equities on blockchain networks.

The offering, enabled through a partnership with tokenization platform Dinari, allows Gemini users to buy fractional shares of Strategy as on-chain tokens backed by real securities.

MSTR tokens will initially be available on Arbitrum (ARB), with plans to expand to additional networks in the near future, the exchange said in its June 27 announcement.

Gemini said the move aims to democratize access to U.S. stocks by combining traditional equities with the 24/7 liquidity and accessibility of crypto markets.

According to the exchange:

“Anyone in the world with a smartphone and an internet connection can gain access to tokenized U.S. equities like MSTR on the blockchain.”

The firm plans to add more tokenized stocks and ETFs in the coming days, positioning the product as a way to “export U.S. equities across the globe” and enable borderless financial participation.

Gemini emphasized that tokenized stocks grant the same economic rights as the underlying shares, where permitted, while providing benefits such as fractional ownership, reduced transaction friction, and direct on-chain settlement.

Tokenized stocks have emerged as an alternative gateway to U.S. equity markets for global investors facing high currency conversion costs and limited brokerage access.

Gemini said the launch is part of its broader vision to modernize financial rails by merging traditional assets with blockchain infrastructure.

Gemini is one of the first major exchanges to pursue tokenized stock offerings in compliance-focused jurisdictions. The launch comes amid increasing institutional interest in digital asset rails for traditional securities settlement and custody.

Mentioned in this article

Quant analyst PlanB is leaning bullish on Bitcoin (BTC) as the flagship crypto asset trades in a range below the all-time high reached late last month.

In a new strategy session, PlanB tells his 213,000 YouTube subscribers that Bitcoin is far away from reaching the peak of the current four-year cycle based on the stock-to-flow model.

The stock-to-flow model is a predictive tool that assumes the scarcity of a commodity drives the price.

“Bitcoin price [is] at $104,000, which is still far away from the stock-to-flow value of $500,000 based on fundamentals, scarcity fundamentals. That’s what I expect the average over this four-year cycle to be. So we’re still far away from that. But we’re also still only one year in the cycle, we have three years to go and so I think Bitcoin is very undervalued.”

According to Plan B, Bitcoin is at the “very beginning of a bull market” based on historical precedent.

“We made a fake loop in bull market territory after the January 2024 [spot Bitcoin exchange-traded funds] ETF introductions. And we’re now right back at where all the bull markets in the past have started. So it’s a very bullish signal if you ask me.”

The quant analyst says Bitcoin could skyrocket by up to approximately 860% over the course of the current cycle.

“[Bitcoin] is currently in a bull market, targeting… let’s say $250,000 to $1 million range for the average price in this cycle.”

Bitcoin is trading at $104,300 at time of writing.

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Over the past few years, the SEC was going after crypto about as often (and annoyingly) as those calls about your car’s extended warranty.

This year, tho’? Whole different vibe.

They’ve already done a lot to go from being crypto’s #1 hater to an agency that actually supports this industry. Quick recap:

• Canceled SAB 121;

• Launched a dedicated Crypto Task Force to figure out how to regulate crypto – properly;

• Withdrew a bunch of lawsuits against crypto companies;

• Confirmed memecoins aren’t securities;

• Gave broker-dealers the approval to custody both crypto securities and non-securities;

• Said they want to make it easier for companies to issue, trade, and settle tokenized securities.

And they’re not done. Here’s what they’ve been cooking lately:

1/ Case closed

The SEC’s dropping their lawsuit against Binance – one of the last big crypto cases still standing from the Biden-era crackdown.

The filing says that the agency’s new Crypto Task Force could help resolve cases like this, and that dropping it was the right decision based on current policy.

Also worth noting: they want the case dismissed with prejudice, which means the SEC can’t bring it back.

2/ Staking ≠ securities

Proof-of-Stake (PoS) networks need people to stake their tokens to help run the network. Do it right, and you earn rewards – usually new tokens or a cut of transaction fees.

And the SEC used to argue that this looked suspiciously like investing in a security.

Why? Because users aren’t running the network themselves – they’re giving their tokens to someone else and expecting to earn money without doing anything.

But that was in the past.

Now, the SEC is saying that staking usually isn’t a securities offering.

If you’re staking directly, you’re doing the work. You’re helping the network and earning rewards for it.

That’s not the same as buying a stock and waiting for the price to go up.

The takeaway: rest easier, crypto people and companies.

You’re no longer at risk of getting sued just for mumbling “crypto” in your sleep.

In fact, with all the changes, there’s a decent chance you’ll actually thrive in the new regulatory environment.

Hopefully.