Strategy Inc (NASDAQ:MSTR) is one of the stocks on Jim Cramer’s radar recently. A caller asked Cramer’s one-year performance projection for the stock, and here’s what he had to say: “Well, look, let’s leave it like this, they call it now Strategy, but I like Bitcoin and I think you should just own Bitcoin. I don’t want any derivative of Bitcoin. I just want Bitcoin.” Bitcoin, mining Photo by andre-francois-mckenzie on Unsplash Strategy Inc (NASDAQ:MSTR) provides investors with exposure to Bitcoin throu ...

Core Viewpoint - The US banking industry is challenging the OCC's efforts to integrate cryptocurrency firms into the federal banking system, arguing that it creates a two-tier banking system that undermines traditional banking standards [1][2][3]. Group 1: OCC's Conditional Approval - The OCC has granted conditional approval for national trust charters to five digital asset firms, including Ripple, Fidelity, Paxos, First National Digital Currency Bank, and BitGo, emphasizing that these firms underwent a rigorous review process similar to traditional banks [1]. Group 2: Concerns from Banking Associations - The American Bankers Association (ABA) and the Independent Community Bankers of America (ICBA) argue that the OCC's actions allow fintech and crypto firms to obtain national charters without the necessary FDIC coverage or meeting traditional capital and liquidity standards [2]. - These groups claim that the new structure promotes regulatory arbitrage, allowing crypto firms to benefit from federal preemption of state laws while avoiding compliance obligations that apply to insured banks [3]. Group 3: Implications for Banking Definitions - ABA President Rob Nichols expressed concerns that the approvals blur the lines of what constitutes a bank, potentially weakening the integrity of the banking charter [4]. - There is a fear that expanding trust powers to non-traditional firms creates institutions that resemble banks but lack adequate oversight [4]. Group 4: Consumer Protection Concerns - Banking groups warn that consumers may find it difficult to differentiate between insured banks and national trust institutions that hold large amounts of uninsured crypto assets [5]. - They argue that the OCC has not sufficiently addressed how it would manage the failure of such entities, especially if they hold billions of dollars in digital assets outside the traditional safety net [5].

Group 1 - Most investors do not seek the thrill of risk in cryptoassets, yet many experience it unintentionally, especially with mainstream cryptocurrencies like XRP and Cardano [1] - XRP is a fintech platform designed by Ripple for cheaper and faster cross-border money transfers compared to legacy systems like SWIFT, routing both stablecoins and XRP [3][4] - XRP has a market cap of approximately $120 billion, indicating a large-cap status and a significant holder base, although it is not immune to market downturns [4] Group 2 - Ripple has expanded XRP's economic base to enhance its appeal for financial institutions, launching a U.S. dollar stablecoin in late 2024 with a market cap exceeding $1 billion [5] - The stablecoin is integrated into Ripple Payments for cross-border settlements, allowing institutions to streamline treasury operations [6] - Despite its institutional focus, XRP faces risks from crypto market cycles, potential policy changes, and competition from other fintech platforms [7] Group 3 - Cardano aims to establish itself as a new web-based transaction settlement layer, contrasting with XRP's focus on bank adoption [9] - Cardano is a general-purpose smart contract chain but lags in decentralized finance (DeFi) activity and app ecosystem compared to leading chains [10]

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Core Insights - XRP has expanded its multichain capabilities with the launch of wXRP, a regulated wrapped asset that is 1:1 backed by XRP, issued and custodied by Hex Trust [1][2] - The introduction of wXRP allows for safe cross-chain transactions and integration into DeFi, eliminating the need for risky third-party bridges, and it has debuted with over $100 million in total value locked [2][3] - Ripple has received conditional approval from the OCC to charter Ripple National Trust Bank, marking a significant regulatory milestone for stablecoin compliance [4] Group 1 - wXRP will be usable on multiple networks including Solana, Optimism, Ethereum, and HyperEVM, facilitating trading, liquidity provision, rewards, and secure cross-chain transfers [2][3] - The rollout of wXRP enhances the liquidity pairs available for XRP and extends its presence in the DeFi space beyond the XRPL [3] - Ripple's CTO emphasized that the expansion of XRP ecosystems contributes to real utility, with XRPL serving as a secure anchor for the entire ecosystem [5] Group 2 - Industry experts envision a future where crypto ecosystems collaborate rather than compete, focusing on advancing beyond the traditional financial system [6] - Recent market activity included significant whale selling of approximately 280 million XRP, with analysts identifying key resistance and support levels at $2.17, $1.96, and $1.78 [6]

As market news today continues to puzzle investors, the very same question dominates every social media. Why is crypto down just as the US market opens? The timing feels almost scripted. Bitcoin’s sudden $2,000 drop in just 35 minutes wiped nearly $40 billion off its market cap, while $132 million in long positions were liquidated within an hour. The jeetery events like this naturally revive concerns about crypto manipulation, especially when traditional assets remain relatively stable. When we ask why c ...

Regulatory Approval - Pakistan Virtual Assets Regulatory Authority (PVARA) has issued NOCs to Binance [1] - This allows Binance to begin AML registration, set up a local entity, and work toward full Virtual Asset Service Provider (VASP) licensing [1] Industry Impact - This is a major milestone for Pakistan's crypto landscape [1] - The move accelerates the evolution of the crypto ecosystem in Pakistan [2] - It is a huge step toward regulated, secure, cross-border crypto services under Pakistan's framework [2]

Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Developing nations risk losing their financial sovereignty as stablecoin adoption grows, the International Monetary Fund has warned. Stablecoin adoption could lead to “currency substitution,” the IMF said in a report last week, adding that it could reduce the ability of central banks to manage monetary policy. The IMF said developing countries with unstable currencies and high inflation were particularly ...

Core Viewpoint - Circle Internet Group (NYSE: CRCL) experienced a highly successful IPO, but is now facing challenges that could impact its stock performance and profitability [1][2]. Group 1: IPO Performance - Circle went public on June 5, marking the most oversubscribed crypto IPO in decades, with the stock surging approximately 250% in the first two trading days, the largest two-day IPO increase since 1980 [1]. - The surge was driven by strong institutional demand and optimism regarding stablecoin regulation following the passage of the GENIUS Act [1]. Group 2: Analyst Downgrades and Stock Performance - Wolfe Research downgraded Circle to "sell" on December 2, setting a price target of $60, citing several headwinds affecting the stock [2][4]. - Circle's stock has declined by 21.18% over the past six months, trading at approximately $83.92 at the time of reporting [3]. - The downgrade implies a potential downside of about 33% from the recent stock price of $83.98 as of December 13 [4]. Group 3: Revenue and Profitability Concerns - Circle generates over 96% of its revenue from interest income related to reserves backing its USDC and EURC stablecoins, making it sensitive to interest rate changes [5]. - Wolfe projects that Circle will generate more than $2.75 billion in revenue by 2025, but lower yields on reserves could pressure profitability [6]. - Circle's third-quarter earnings report showed earnings per share of $0.64, exceeding forecasts, with revenue of $740 million, up 66% year over year [7]. - Mizuho analyst Dan Dolev expressed concerns over higher costs and weaker fourth-quarter revenue trends, maintaining a 'sell' rating with a price target of $70 [7].

Registration No. 333-289870 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 As filed with the Securities and Exchange Commission on December 12, 2025. __________________________________ Approximate date of commencement of proposed sale to the public: As soon as practicable after this Registration Statement is declared effective. AMENDMENT NO. 2 TO FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 | Delaware | 2085 | 83-4558219 | | --- | --- | --- | | (State or other ju ...