Group 1: Silver Market Activity - Silver experienced extreme volatility on January 26, with nearly $2 trillion in market cap changing hands within 14 hours [1] - During the session, silver's market value increased by approximately $500 billion from 9:00 AM ET to 1:00 PM ET, followed by a drop of about $950 billion, and then a recovery of another $500 billion by 10:30 PM ET [1][2] - Spot silver prices surged to record levels, trading between $110 and $117 per ounce, driven by a weaker US dollar, global tensions, and broader market stress [3] Group 2: Bitcoin Market Performance - Bitcoin lagged behind silver during the same period, declining about 3% over the past week and remaining below the key $90,000 level, with its current market cap around $1.76 trillion [4] - The market cap of Bitcoin reached $2.49 trillion during an early October 2025 rally but has since decreased [4] Group 3: Investment Insights - Over a 20-year span, investors holding gold and silver would have earned approximately 10.6% per year, while silver's return was only 4.5% last year, which has since improved [5] - Metals and cryptocurrencies often experience significant gains in short bursts, indicating that investors should exercise patience [5] Group 4: Market Focus - The trading community is focused on January 28, referred to as "Super Wednesday," with attention on U.S. crude oil inventory data and the Federal Reserve's rate decision, which could impact inflation expectations and overall market risk appetite [6] - WTI crude futures were last traded at $60.73 per barrel, down 0.72% on the day, with a notable decrease in open interest [6][7]

Group 1 - Silver prices are experiencing a decline, while gold prices continue to rise, indicating a divergence in the performance of these precious metals [1] - The liquidity in the market may be influencing the price movements of silver and gold, suggesting that market conditions are a significant factor [1]

1/ BREAKING NEWS: avnu is the best liquidity & trading layer on the market.On Starknet, it’s the default execution and routing engine for everything trading-related.If you’re a spot trader, or a builder looking to 10x your app’s UX, just use avnu 🧵 https://t.co/vfd93tsW6c ...

Hyperliquid founder Jeff posted his first tweet of 2026, claiming Hyperliquid has “quietly” hit a major milestone by becoming the most liquid venue for crypto price discovery globally. He shared a screenshot comparing BTC perpetual liquidity on Binance and Hyperliquid. Jeff also noted that, driven by the HIP-3 team, Hyperliquid has become one of the most liquid platforms for TradFi-asset perpetuals. https://t.co/EpRDuvAsIw ...

RT Seamless Protocol (@SeamlessFi)We like charts that go up.Seamless TVL is on the rise with new LTs launching on @ethereum.Yes, there are caps. We're always *monitoring the situation*As more liquidity flows to these markets, cap increases are consistently evaluated!Higher. ...

Core Insights - The financial landscape for homeowners in 2026 has shifted, with higher mortgage rates making paying off debt more attractive compared to investing in the stock market [3][4][9] - The decision to pay off a mortgage or invest depends on various factors including mortgage rates, expected returns on investments, inflation, tax situations, and personal financial discipline [3][5][9] Mortgage Payment Dynamics - In 2026, average mortgage rates are significantly higher than in the 2010s, making early loan repayment yield a higher guaranteed return by avoiding high interest payments [4][10] - Paying down principal reduces total interest paid over the loan's life and shortens the loan term, providing substantial savings [6][7] Guaranteed Returns vs. Investment Risks - Paying down mortgage principal offers a guaranteed return equal to the mortgage interest rate, which is risk-free compared to the uncertain returns from investing [8][19] - The opportunity cost of choosing between paying off debt and investing is crucial, especially when mortgage rates are high [18][19] Tax Considerations - The mortgage interest deduction has diminished in relevance due to the increased standard deduction, affecting the true cost of loans for many homeowners [11][12] Investment Growth Potential - Historically, diversified portfolios like the S&P 500 have outperformed mortgage costs, but current market conditions make the comparison more complex [13][14] - Inflation impacts the decision-making process, as fixed-rate mortgages benefit from debt erosion, but the slower inflation rate in 2026 weakens this argument [15][16] Liquidity and Cash Access - Paying down mortgage principal is less liquid compared to investments, which can be quickly converted to cash for emergencies [20][21] - Maintaining liquidity is essential for financial risk management, especially for those without sufficient emergency savings [21] Behavioral Finance Factors - Personal financial habits significantly influence the decision to invest or pay down debt, with mandatory mortgage payments acting as a form of forced savings [22][23] - Individuals prone to panic selling during market downturns may benefit more from focusing on debt reduction [23] Short-Term Options and Strategy - New low-risk savings options are available, offering higher interest rates than before, which may temporarily compete with mortgage payoff benefits [24][25] - A combined strategy involving emergency savings, retirement contributions, and careful comparison of mortgage rates with expected investment returns is recommended [26][27][29] Conclusion - There is no one-size-fits-all answer for homeowners in 2026 regarding whether to pay down mortgages or invest, as the best choice depends on individual risk tolerance and financial health [31][32]

6/ Ammalgam treats liquidity as the source of truth and prices risk from inside the system.If a protocol can only liquidate at prices its own liquidity supports, should it rely on prices it can’t execute on?What’s your take? https://t.co/H4qA7DAV0F ...

3/ To do this, Ammalgam derives prices internally.Prices are formed from:→ the actual token balances in the pool.→ per-block reserve updates.→ short and mid-term geometric averages.This creates a bounded price range that can only move as liquidity moves. ...

2/ Instead of asking “What does an oracle say this asset is worth?” the system continuously asks:🔹 If this position closed now, what would it sell for?🔹 How much liquidity backs it?🔹 What loss would that sale create?Those answers determine what’s safe to borrow. https://t.co/AM7emjsYIQ ...

RT Remora Markets (@RemoraMarkets)Much demand for rMetals over the weekend!More liquidity coming onchain once markets open 🤝 https://t.co/Fx9OfqD9Cl ...