Crypto news

HSBC, Swift, and Ant International are transitioning tokenized deposits through ISO 20022

A Singapore fintech announced a collaboration linking Swift’s messaging network, HSBC’s Tokenized Deposit Service, and Ant International’s blockchain. The three completed a proof‑of‑concept for real‑time tokenized bank‑deposit transfers using ISO 20022 standards. Tests ran on HSBC’s Singapore and Hong Kong operations, aiming to cut delays, costs, and opacity in international payments. Ant’s in‑house blockchain was integrated with Swift’s ISO 20022 messaging to enable real‑time treasury flows. HSBC converts fiat deposits into one‑to‑one digital tokens that can move instantly between its 24‑hour locations. This common protocol could let multinational firms access tokenized services without negotiating separate bilateral agreements. ISO 20022, adopted widely only in the early 2020s, provides structured data that reduces intermediaries and speeds settlement. The solution extends HSBC’s compliance framework, including AML and sanctions checks. Executives from Swift, HSBC, and Ant highlighted the standards’ role in fostering trust, efficiency, and regulatory consistency across global payments. Separately, Ant won first place at the NeurIPS Fairness in AI Face Detection competition, detecting AI‑generated faces with 99.8% accuracy across diverse demographics. The award underscores the firm’s commitment to secure, unbiased AI that supports inclusive financial services worldwide.

Ripple writes European banking history with its AMINA Bank partnership, delivering near‑instant payments.

Ripple and AMINA Bank have teamed up to launch near‑real‑time cross‑border payments in Europe. AMINA Bank, a FINMA‑regulated Swiss crypto bank, will integrate Ripple’s licensed payments infrastructure. The alliance aims to bridge blockchain innovation with traditional banking systems. It marks the first European bank to adopt Ripple’s end‑to‑end solution. The integration connects blockchain networks to fiat rails, cutting friction and reliance on costly correspondent banks. Clients gain faster settlement, lower transaction fees, and greater transparency. Payments can be made in Ripple USD (RLUSD) and other stablecoins across multiple currencies. This improves cash‑flow management and simplifies operations for both crypto‑native firms and conventional institutions. The collaboration validates Ripple as a trusted infrastructure provider for regulated banks. It demonstrates how distributed ledger technology can meet European regulatory standards while enhancing speed and cost efficiency. The partnership sets a benchmark for blockchain adoption in mainstream finance, positioning both firms at the forefront of global payment innovation.

Itaú of Brazil proposes that allocating 1‑3% of a portfolio to Bitcoin could improve diversification and serve as a currency hedge.

Itaú Asset Management, the investment arm of Brazil’s largest private bank Itaú Unibanco, suggests allocating between 1 % and 3 % of portfolios to Bitcoin in 2025. This share aims to boost diversification and hedge currency risk. The guidance is based on Bitcoin’s low correlation with traditional assets amid global uncertainty. Bitcoin can deliver returns that are independent of stocks, bonds, or local market movements. Its distinct price behavior makes it a useful tool for risk‑adjusted portfolio construction. This quality supports its role as a diversification asset.

AAVE climbs 9% after the Fed’s rate cut—could a V4 upgrade generate further upside?

The rise in AAVE coincided with expanding leverage, while derivatives data highlighted where future pressure could develop.

New linear regression models estimate how high XRP can rise.

While XRP lagged behind the broader crypto market, it posted a strong rally in July 2025, gaining 35% and breaking the $3 threshold. The upward surge was short‑lived; in August the coin fell as much as 8.15%, dropping back below $3. Analyst EGRAG’s linear regression model continues to signal bullish long‑term targets for XRP despite the recent dip. Visit Website

The method a prohibited Russian exchange used to reconstruct a $34 million crypto pipeline

Investigators discovered that Garantex routed liquidity through major exchanges. This demonstrates that sanctioned networks still retain access to mainstream infrastructure.

XRP Slightly Undervalued on MVRV: How Do Bitcoin and Ethereum Compare?

The Market Value to Realized Value (MVRV) Ratio compares an asset’s market cap with its realized cap, reflecting investor profit‑loss balance. The 30‑day version isolates traders who entered the market within the last month. It shows whether recent entrants are in gain or loss territory. Ethereum’s 30‑day MVRV stands at +7.2%, indicating modest gains for new buyers. Bitcoin is near break‑even at +2.4%, while Chainlink is almost neutral at –0.3%. Cardano shows larger losses at –4.4%, and XRP registers the deepest decline at –6.1%, making it the poorest performer among the six assets shown. A strong negative ratio can be bullish, suggesting most profit‑takers have already exited and upward pressure may return. XRP is the only coin placed in an undervalued zone, whereas Ethereum lies in a mild overbought area. At the time of writing, XRP trades around $2.04, up 1.5% in the past 24 hours.

Analyst asserts that this legislative step is essential for XRP’s future.

Members of Congress sent a letter to SEC Chair urging implementation of President Trump’s executive order that opens the $12.5 trillion 401(k) market to alternative assets. The missive stresses coordination with the Labor Department to adjust rules for defined‑contribution plans. It highlights the need to revisit accredited‑investor and qualified‑purchaser criteria. The goal is to let nearly 90 million Americans include non‑traditional investments in retirement accounts. The directive will only permit assets that meet strict regulatory, liquidity and settlement standards. XRP is cited as aligning with these requirements through its exchange‑traded products, institutional custody via Ripple Prime, and the RLUSD stablecoin settlement layer. International regulators have been providing clearer guidance for XRP faster than for many peers. Such attributes make XRP a strong candidate for inclusion in future retirement‑plan offerings. If U.S. retirement plans can allocate even modest portions of assets to digital tokens, inflows could represent a historic structural shift. The capital would be long‑term and regulated, contrasting with speculative short‑term trades. This would dramatically expand the addressable market for compliant crypto assets. XRP holders are urged to recognize the scale and speed of this emerging opportunity.

If you still think Solana (SOL) is only for meme coins, read this.

X Finance Bull portrays Solana as moving beyond meme-driven hype to a reliable infrastructure layer. The narrative emphasizes measurable speed, low fees, and real‑world use cases rather than speculation. This positions Solana as a preferred platform for developers needing scalable solutions. Finality is typically under one second, while block times hover around 400 ms, keeping the network continuously active. Transaction fees often stay below $0.001, removing cost barriers for frequent micro‑transactions. Live throughput reaches thousands of transactions per second, with much higher theoretical limits. Solana already supports high‑volume DeFi trading, real‑time Web3 gaming, tokenized asset settlements, and cost‑effective NFT minting. Micropayment services also benefit from its rapid finality and minimal fees. These sectors demand consistent performance that Solana currently delivers. Compared with Ethereum’s throughput limits, Bitcoin’s limited scope, and still‑evolving layer‑2 solutions, Solana offers immediate consumer‑scale capacity. The post argues future users will care less about the underlying chain and more about seamless application experiences. Consequently, Solana is presented as a viable addition for portfolios targeting scalable blockchain adoption.

Ripple Manages Unusual Price Flatlining Amid Ongoing Strategic Progress

Ripple continues to grow its infrastructure, yet XRP’s price remains unchanged. Technical indicators reveal market indecision, pointing to a quiet accumulation period. The article “Ripple Navigates Curious Price Stagnation Despite Strategic Advances” was first published on COINTURK NEWS.

Bitcoin Perpetual Futures: Why the Small Short Tilt Is Important Right Now

Recent 24‑hour data from Binance, OKX and Bybit shows Bitcoin perpetual futures almost balanced but slightly bearish. Overall the long/short split is 49.88 % long versus 50.12 % short. Binance records 49.16 % long‑vs‑50.84 % short, OKX 48.49 %‑51.51 %, and Bybit 49.69 %‑50.31 %. The market is not panicking, yet it leans toward short positions. In high‑leverage crypto derivatives, even a sub‑2 % tilt can precede larger price moves. A modest short bias often serves as a contrarian indicator, prompting opposite‑direction rallies when over‑leveraged shorts liquidate. The bias is consistent across three major venues, indicating a broad, global caution rather than an isolated exchange anomaly. This collective pause suggests traders doubt the durability of recent bullish momentum. The bias may reflect hedging by large holders, expectations of sideways consolidation, or a setup for a rapid short‑squeeze if buying pressure returns. Use the data for risk management: tighten leverage, set stop‑losses, and monitor for price rises that could trigger forced short covering. Watching this sentiment helps anticipate volatility and potential upside spikes while avoiding blind herd behavior.

Florida officials seize $1.5 million in cryptocurrency from a fraud suspect.

Florida prosecutors seized about $1.5 million in cryptocurrency from a fraud suspect facing fraud, money‑laundering and theft charges. The assets included SOL, AVAX, DOGE and PEPE, marking one of the larger crypto seizures in the state. The operation demonstrates growing law‑enforcement expertise in digital‑asset investigations. Investigators exploit blockchain’s public ledger, using specialized analysis tools to follow transaction patterns to wallets. Cooperation with regulated exchanges and traditional warrants links digital addresses to real identities. When suspects cash out to fiat, additional paper trails emerge, making seizure feasible. The case signals that crypto is not beyond legal reach and deters future fraud schemes. Authorities must still contend with cross‑border transfers, varied jurisdictional rules, secure wallet custody and volatile asset values. Investors are urged to use regulated platforms, keep detailed records and report suspicious activity.

HTX Granted Approval for Cryptocurrency Exchange Registration in Pakistan

This material is supplied by a sponsor. Islamabad, Pakistan — 13 December 2025. HTX, a leading global digital‑asset exchange with over 50 million registered users, announced today that it has secured a No Objection Certificate (NoC) from the Pakistan Virtual Asset Regulation Authority (PVARA). The certificate permits HTX to commence the licensing process.

The Trump administration’s AI adviser backs the president’s initiative for federal AI regulation

President Trump signed an executive order to create a single federal framework for artificial‑intelligence regulation. The order aims to preempt a “patchwork” of state rules that the administration says hampers U.S. competitiveness, especially versus China. It calls for collaboration with Congress to develop a minimally burdensome national standard. Critics claim the move removes consumer protections without an immediate federal replacement. Silicon Valley investor David Sacks argues the order is meant to relieve companies from reporting to fifty different state regulators. He says divergent state definitions create an onerous compliance burden that could slow innovation. Sacks stresses that a unified standard will keep the United States ahead in the AI race. He emphasizes cooperation with Congress to craft the oversight framework. Several states, led by California’s Scott Wiener, label the order a federal overreach and promise litigation. Democratic Senator Brian Schatz plans legislation to repeal the order, warning that it endangers public safety. Opponents contend that states must retain the ability to protect residents while AI evolves. Legal challenges are expected from states with existing AI regulations. The White House will target only the most restrictive state rules, with Sacks highlighting Colorado’s anti‑discrimination law as “excessive.” The order also authorizes the Justice Department to sue states that impose burdensome standards. Meanwhile, officials will work with Congress on a national AI oversight bill. The strategy seeks to balance innovation with future consumer safeguards.

Could Pi Network’s price drop to a new all‑time low next week? ChatGPT issues unsettling PI predictions

PI token’s early‑October rally faltered after a brief surge from $0.23 to $0.28 amid a market crash. As the broader crypto market recovered, PI slipped toward $0.20 and now hovers just above that level. The previous momentum, driven by ecosystem updates and AI integrations, has largely evaporated. ChatGPT identifies $0.20 as the first major support, with $0.172 (early‑October ATL) as the next barrier. Falling volume indicates seller dominance and weak demand, raising volatility risk near low‑liquidity zones. Momentum indicators show oversold conditions but no clear reversal signal yet. The AI model warns a worst‑case drop to $0.16 if $0.18 support fails, potentially setting a new low. A bullish breakout above $0.21 is deemed unlikely, while a sideways range between $0.18 and $0.21 is the most probable outcome. PI’s near‑ATL position makes demand recovery crucial to avoid a prolonged bearish phase.

What 3,000 and 7,000 XRP Could Be Worth When SWIFT Corridors Transition to RippleNet

If SWIFT corridors transition to RippleNet, the XRPL‑based payment network, demand for XRP could increase, potentially pushing its price upward. In recent years, XRP supporters and financial executives have debated whether the token might eventually work alongside SWIFT or even replace the system. Visit Website

Cardano’s price could face a fresh 15% fall as open interest contracts.

The correction in Cardano’s price could deepen by as much as 15% before reaching a pivotal support trendline near $0.34. Investor sentiment has turned more negative, adding further pressure to the market.

Vanguard labels Bitcoin a digital Labubu while launching crypto ETFs that include Bitcoin, Ethereum, XRP, and Solana.

Vanguard referred to Bitcoin as a “digital Labubu,” highlighting its distinctive position among digital assets. The firm introduced cryptocurrency exchange‑traded funds that include Bitcoin, Ethereum, XRP, and Solana, broadening its investment options.

JPMorgan releases Galaxy’s tokenized commercial paper on Solana, indicating a rise in institutional on‑chain debt.

JPMorgan has launched a tokenized commercial paper program for Galaxy Digital on the Solana blockchain, settled in USDC. The issuance marks a significant milestone in the institutional adoption of on‑chain debt instruments. This tokenized USCP is among the earliest corporate debt offerings created on a public blockchain. The transaction showcases Solana’s expanding capacity to handle large‑scale financial deals with high speed and low cost. It highlights the network’s growing relevance for institutional players seeking efficient on‑chain solutions. JPMorgan’s move signals confidence in Solana’s infrastructure for future corporate finance activities.

NY murder trial reveals an encrypted cryptocurrency seed phrase discovered in Manzione’s backpack, yet no specific coin was cited as evidence in court.

During the New York murder trial, officials uncovered an encrypted cryptocurrency seed phrase hidden in Manzione’s backpack. The court records, however, did not disclose which specific digital currency the seed phrase corresponds to.

Ripple completes rail acquisition to deliver the most comprehensive end‑to‑end stablecoin payments solution.

Ripple has finalized its purchase of Rail, merging the two into a single, compliant stablecoin platform. The integration aims to simplify global B2B money transfers while boosting enterprise adoption. It also seeks to enhance real‑world utility across both digital and fiat transaction rails. The acquisition was confirmed by Ripple on its social media channels. This move broadens Ripple Payments’ reach in the enterprise stablecoin market. It positions the company to offer more seamless cross‑border payment solutions.

XRP and Cloud Mining: Claim a $100 sign‑up bonus and discover a fresh way to profit from digital assets

XRP cannot be mined because its total supply was issued at launch and it runs on a consensus protocol. Its fast, cheap transfers make it a popular funding currency on cloud‑mining platforms. Users deposit XRP, which is instantly converted into rented computing power that mines Bitcoin on their behalf. This lets XRP holders earn mining revenue without owning hardware. Fleet Mining provides cloud‑mining contracts that accept XRP deposits and award a $100 welcome bonus to new users. After registration, the deposited XRP is automatically turned into mining power and daily profits are calculated. Contracts range from $100 for a 2‑day term up to $30,000 for 45 days, with proportional daily returns. Earnings can be withdrawn or reinvested at any time. Using XRP for cloud mining offers instant deposits, low fees, and eliminates the need for equipment or electricity. The service suits both beginners and experienced crypto users seeking diversified income. Automatic activation and flexible contract levels simplify participation. Overall, XRP owners can convert holdings into automated mining profits with minimal effort.

JPMorgan's Solana debt offering marks a new era for institutional blockchain adoption

Crypto liquidations spark a $213 million shock, annihilating ETH and BTC long positions within 24 hours

In the past 24 hours crypto perpetual futures saw $213 million in forced liquidations. The majority were long positions, with Ethereum losing $114 million (≈93% long), Bitcoin $73.8 million (≈91% long) and Solana $25.2 million (≈81% long). Sharp price drops triggered automatic closures across exchanges. The event highlights a rapid bearish shift affecting leveraged buyers. Long positions suffered because leverage magnifies losses when prices fall, exhausting collateral quickly. The cascade of sales can deepen declines, creating a feedback loop. A high long‑short imbalance is a clear signal of sentiment‑driven correction. Traders can mitigate future storms by using modest leverage, placing stop‑loss orders, and monitoring funding rates for crowded longs. Maintaining adequate margin and following a risk plan reduces exposure to sudden wipes. Understanding liquidation mechanics helps preserve capital during volatile swings.