Login Signup
TheDinarian
News • Business • Investing & Finance
? The Dinarian on Locals brings you the latest in news, interviews, in-depth conversations, and stories from across the blockchain and global communities—within and beyond cryptocurrency ?. Experts delve into how blockchain technology is reshaping industries, enhancing business networks ?, transforming transaction workflows, and advancing distributed ledger systems ??. We also explore intriguing topics that may venture into the realm of conspiracies—and so much more!
Interested? Want to learn more about the community?

Show me more content first
Gary Gensler Remarks before the Atlanta Federal Reserve Financial Markets Conference

So the story goes, in 1871, Mrs. O’Leary’s cow kicked over a lantern. Her barn was enflamed. The fire spread quickly through the wooden buildings of Chicago, and 2,100 acres burned.[1]

In the following years, Chicago rebuilt itself with new rules and an upgraded fire department to limit the risk of flames raging across the city.[2] Those Chicagoans understood this wasn’t just a simple accident of a cow and a lantern. It was about building materials and incentives related to the city’s infrastructure. It was about fire prevention and firefighting equipment.[3] Building codes and fire departments, though they come at a cost and need for updates, have made the community more resilient for 150 years.

Finance, too, has seen fires starting in one barn that go on to engulf entire communities.

Finance

Finance is about the pricing and allocation of money and risk throughout the economy. There are those who have money who want to invest it. Others need money to fund good ideas, buy a house, or help get through life’s inevitable challenges. There are those who have risk but don’t want to bear it, and others willing to take on that risk.

Finance sits in the middle, like the neck of an hourglass whose grains of sand are money and risk. Finance is a network that relies on trust.

Since antiquity, finance has tended toward centralization, concentration, and economic rents—whether the Medici family back in the 15th century or J.P. Morgan a century ago. That’s because financial intermediaries benefit from scale, network effects, and access to valuable data.

Such intermediaries don’t just sit passively passing the sand through the hourglass. They become important market participants themselves. They retain and transform money and risk. They seek profits from arbitraging differences in pricing of money and risk. They create forms of money, whether it be deposits, money market funds, or funding in the repurchase (repo) markets. They retain risks related to valuations, rates, credit, funding, liquidity, maturity transformation, leverage, correlations, operations, and many others. Such intermediaries also tap the capital markets, and in times of stress, may lose funding if counterparties and investors question their market-based solvency.

This is the nature of finance. Just as we can’t repeal the laws of physics and nature, risk in finance always will be there. As Treasury Secretary Bob Rubin used to say, “Markets go up, markets go down.”[4]

Financial Fires through Time

History is replete with times when fires in one corner of the financial system or at one financial institution spread to the broader economy. When this happens, the American public—bystanders, like the Chicagoans who saw their homes burn—inevitably gets hurt.

Such fires, though too many to name, have started from both the banking and nonbanking sectors.

It is said that the Chicago fire along with another in Boston helped fuel a bank run, possibly contributing to the Panic of 1873.[5]

Decades later, the Panic of 1907 ultimately led to President Wilson’s reforms to establish the Federal Reserve with authorities both as a building code regulator and as a form of a fire department.[6]

The 1929 Crash and ensuing Great Depression led President Roosevelt and Congress to set up the Federal Deposit Insurance Corporation[7] and Securities and Exchange Commission.[8]

In the early 1930s, in the town of Bedford Falls, NY, there was a run on Bailey Bros. Building and Loan. George Bailey explained to the panicked crowd, “The money’s not here. Your money's in Joe's house... and a hundred others.” Fortunately, Jimmy Stewart saved the day, as told in It’s a Wonderful Life.[9]

The financial fires of 2008 led to more than eight million Americans losing their jobs, millions of families losing their homes, and small businesses across the country folding. This led to updates in building codes and fire departments for finance in the Dodd-Frank Act.

Fires and Resiliency

Economists have written extensively on the causes and contagion of financial fires. Such financial stability literature highlights herding, network interconnectedness, and regulatory gaps.[10]

Herding is when multiple individual actors make similar decisions. In times of stress, otherwise uncorrelated actors can suddenly become correlated, like those cows stampeding in City Slickers.[11] Given that greed and fear both are basic emotions in markets, herding occurs for both bulls and bears. Whether it be breakdowns in risk management, such as in the subprime mortgage market prior to the 2008 crisis, or breakdowns in confidence, such as in bank runs, herding has contributed to many a financial fire.

Finance is a complex, interconnected, global network, with many transmission channels by which financial fires might spread. During the financial crisis, Andy Haldane, then the head of financial stability at the Bank of England, compared the financial network to tropical rainforests, at the same time robust and fragile.[12]

The Great Chicago fire of 1871 also exposed regulatory gaps, both in building codes and fire preparedness.

Finance, time and again, also has seen regulatory gaps lead to fires. Such gaps can occur when financial regulations don’t treat like activities alike. Market participants may then arbitrage such differences here in the United States and between countries. Gaps also emerge when technologies provide new ways of intermediating, transforming, or creating risk and money. In these instances, regulators often fail to keep pace.

The SEC’s Role in Financial Stability

The SEC was established as a direct result of a financial fire. Congress gave us a mandate to protect investors and promote the public interest. In so doing, they understood we also had to oversee those intermediaries at the neck of the hourglass, such as stock exchanges, clearinghouses, broker-dealers, investment advisers, and transfer agents.

Congress enhanced our authorities in the wake of subsequent financial market fires, from government securities,[13] clearinghouses,[14] advisers to private funds,[15] auditing,[16] security-based swaps,[17] and credit rating agencies.[18]

Promoting financial resiliency goes to the core of the SEC’s three-part mission. It’s the essence of fair, orderly, and efficient markets. In normal times, it helps promote trust in capital markets. In times of stress, it protects investors and issuers alike.

Thus, given ever-changing technology and business models, I’m proud that the SEC has taken up a number of projects to enhance the resiliency of our capital markets.

Treasury Markets

First, in the spirit of building codes, let me start with the foundation of our entire capital markets—the $24 trillion Treasury markets. Over the decades, we’ve seen jitters in these markets, from the failures of a dozen government securities firms in the early 1980s to challenges in the 1990s to repo problems in 2019 and the dash for cash in 2020. Just this March, we saw the Treasury markets experience the greatest volatility in 35 years.[19]

Such jitters matter, as the Treasury markets are interconnected to the entire market. They are embedded in money market funds and the short-term funding markets and are integral to the implementation of monetary policy. They are how we as a people fund our government.

Further, many hedge funds are receiving the vast majority of their repo financing in the non-centrally cleared market.[20] This might create greater risk in times of stress, particularly when large, interconnected hedge funds achieve high leverage from banks and prime brokers in the Treasury markets.

Thus, working with the Department of the Treasury and the Federal Reserve System, the SEC has put forth a number of reforms in these markets. These projects include broadening central clearing, registering dealers, regulating trading platforms, and promoting greater transparency.[21]

Clearing

Second, speaking of central clearing, clearinghouses have helped lower risk in our markets since the 19th century. Given that they sit in the middle of the capital markets, though, it’s imperative that we continually look to update rules regarding clearing and clearinghouses themselves.

Thus, earlier this year, we finalized rules to cut in half the settlement cycle in securities markets.[22] We’ve proposed rules to strengthen clearinghouse governance and use of service providers.[23] This Wednesday, we’re considering proposals regarding the contents of a covered clearing agency’s recovery and wind-down plan.[24]

Private Funds

Third, given the fire of 2008 and earlier sparks at Long-Term Capital Management, Congress understood the importance of shining a brighter light of transparency on a significant and growing part of the nonbank market.[25] Private funds, now $25 trillion in gross assets,[26] surpass the $23 trillion U.S. banking sector.[27] Private funds participate in nearly every sector of our capital markets and are connected through the use of leverage provided by banks and broker-dealers.

Thus, we recently adopted rules requiring, for the first time, private fund advisers to make current reports of events that may indicate significant stress or otherwise signal for systemic risk and investor harm.[28] In addition, working with the Commodity Futures Trading Commission, we proposed enhanced periodic reporting for large hedge funds.[29]

Money Market Funds and Open-end Funds

Fourth, in times of stress, we’ve also seen financial stability sparks emanating from money market funds and open-end bond funds. In 2008, one money market fund “broke the buck.” If it weren’t for extraordinary fire department action—I mean federal government intervention—things could have gotten a lot worse. We saw related issues during the onset of the Covid-19 pandemic.

Money market funds and open-end bond funds, by their design, have a potential liquidity mismatch—between investors’ ability to redeem daily on the one hand, and funds’ securities that may have lower liquidity.[30] Thus, we’ve put out proposals intended to address these structural issues and enhance liquidity risk management for both money market and open-end funds.

Cyber

Fifth, nearly 40 years before that cow and the lantern, it may not surprise any of you that the first known cyber hack related to finance.[31]

Almost two hundred years later, the financial sector increasingly relies on complex, interconnected, and ever-evolving information systems. Those who seek to harm these systems have become more sophisticated as well: in their tactics, techniques, and procedures.

Thus, the Commission has made a number of proposals to enhance cybersecurity practices and incident reporting of financial sector market participants.[32]

Risks on the Horizon

Before I close, I want to address risk on the horizon, some in the near term, some possibly further out in the distance.

The economy is adjusting to a rise in interest rates more significant than in decades and ongoing geopolitical risk. With such a transition of inflation and rates, it’s appropriate to stay alert to financial stability issues. As the Federal Reserve’s recent Financial Stability Report noted, areas of concern include “vulnerabilities related to valuation pressures, borrowing by businesses and households, financial-sector leverage, and funding risks.” It also noted that “hedge fund leverage remained elevated.”[33]

Further, it might go without saying, but there would be quite a raging fire if the U.S. Treasury were to default on the debt.

Looking further out on the horizon, I would briefly note three things: moral hazard, the digital economy, and artificial intelligence.

There are tradeoffs of governmental interventions in the markets to forestall the spread of a financial fire. Moral hazard arises when official sector support in times of stress potentially incentivizes greater risk taking by individual actors in the private sector. Further, generally not all the costs to the economy of any individual market participant’s failure are borne by that particular participant. Thus, risk appetites and management may change in a way that’s adverse to financial stability.

As it relates to the rise of the digital economy—and I’m not talking about the generally noncompliant crypto markets—we’ve already seen the effects of fintech and social media on significant parts of consumer finance and investing. It’s possible, particularly in light of the higher rate environment, that we might see consequential changes to the deposit and banking landscape.

Looking further out, the use of predictive data analytics and artificial intelligence might be the most transformative technology of our time. This transformation is happening throughout our economy, and finance is no exception.

AI already is being used for call centers, account openings, compliance programs, trading algorithms, sentiment analysis, robo-advisers, and brokerage apps. Such applications can bring benefits in market access, efficiency, and returns.

It also has the potential to heighten financial fragility as it could increase herding, interconnectedness, and expose regulatory gaps.[34]

Existing financial sector regulatory regimes—built in an earlier era of data analytics technology—are likely to fall short in addressing the systemic risks posed by broad adoption of deep learning and generative AI in finance.[35]

Conclusion

Financial history tells us sparks will fly from time to time. One never knows when a cow may kick over a lantern or go rogue—or risk in one financial institution may burn through the system.

The SEC has an important role to help protect for financial stability and promote markets that are more resilient to fires.

This is why the SEC’s resiliency projects are so important. We are focused on strengthening the building codes of finance to better protect our clients, the American public.

00:02:09
Reply
Interested? Want to learn more about the community?

Show me more content first
What else you may like…
Videos
Podcasts
Posts
Articles
thedinarian@thedinarian
5 hours ago
🚀 Big XRPL-AXELAR News! 🌉

DeFi builders are innovating on XRP Ledger.

Interoperability enables seamless asset swaps and open finance across networks—fueling growth in decentralized applications and driving global adoption.

🚀 Big News! 🌉

We’ve officially integrated @squidrouter on XRiSE33 – powered by
@axelar! Now you can effortlessly bridge assets from 80+ chains directly into the XRPL EVM—no extra steps required. 🔁

🔥 Try it now at https://xrise33.com/bridge and experience zero friction DeFi!

00:00:44
Reply
thedinarian@thedinarian
August 02, 2025
BNY Mellon , @ripple Custody Partner, Q2 2025 Earnings Call😉
00:03:01
Reply
thedinarian@thedinarian
August 02, 2025
👀Dr. Robert Malone says RFK Jr. receive👽

Dr. Robert Malone says RFK Jr. received a classified briefing on UFOs, UAPs, and whether they could be interdimensional beings or time travelers.

Malone claims a federal investigator told him "alien encounters" are ramping up—and confirms they’re real.

OP: Shadowofezra

00:02:02
Reply
thedinarian@thedinarian
October 31, 2024
👉 Coinbase just launched an AI agent for Crypto Trading

Custom AI assistants that print money in your sleep? 🔜

The future of Crypto x AI is about to go crazy.

👉 Here’s what you need to know:

💠 'Based Agent' enables creation of custom AI agents
💠 Users set up personalized agents in < 3 minutes
💠 Equipped w/ crypto wallet and on-chain functions
💠 Capable of completing trades, swaps, and staking
💠 Integrates with Coinbase’s SDK, OpenAI, & Replit

👉 What this means for the future of Crypto:

1. Open Access: Democratized access to advanced trading
2. Automated Txns: Complex trades + streamlined on-chain activity
3. AI Dominance: Est ~80% of crypto 👉txns done by AI agents by 2025

🚨 I personally wouldn't bet against Brian Armstrong and Jesse Pollak.

👉 Coinbase just launched an AI agent for Crypto Trading
Reply
thedinarian@thedinarian
August 02, 2025
📈The Psychology Of A Market Cycle 📈

It's no where near over folks, I see hope.. 😉

post photo preview
Reply
thedinarian@thedinarian
1 hour ago
👀Live Feed Of PYTH Tracking XRP/USD

Check it out live: 👇

https://insights.pyth.network/price-feeds/Crypto.XRP%2FUSD

👉 On the top right hit the "CTRL K" and start typing any ticker, pretty awesome, for a crypto geek like me anyway. 😉

post photo preview
Reply
thedinarian@thedinarian
1 hour ago

Pyth is bringing the price of everything to the Global Market Alliance 🔮

Pyth Network is excited to join @OndoFinance's expanding network of financial infrastructure partners, including wallets, exchanges, and custodians, to accelerate the development of on-chain capital markets.

https://x.com/PythNetwork/status/1947690188702159076

Reply
thedinarian@thedinarian
August 02, 2025
post photo preview
Understanding the Crypto Alt Season

The next altcoin season is poised to ignite the crypto market, promising to turn savvy investors' portfolios into goldmines. As Bitcoin's dominance wanes, a new era of blockchain innovation is dawning—are you ready to ride the wave?

Market behavior often exhibits distinct patterns and cycles. One such phenomenon that has captured the attention of traders and investors alike is the "Alt Season"—a period when alternative cryptocurrencies, or "altcoins," outperform Bitcoin and experience significant price surges.

The concept of market cycles and seasonality is not unique to crypto; it's a well-established principle in traditional financial markets. However, in volatile crypto space, these cycles can be more pronounced and occur with greater frequency.  

In this article, we’ll try to cover these and other topics: 

  1. The nature and characteristics of Alt Seasons
  2. The importance of recognizing market cycles in cryptocurrency trading
  3. Alt Season indicators and how to interpret them
  4. Predictions and speculatins about the next potential Alt Season

What Is Crypto Alt Season?

Crypto Alt Season, short for "Alternative Cryptocurrency Season," refers to a period in the cryptocurrency market when alternative cryptocurrencies (altcoins) significantly outperform Bitcoin in terms of price appreciation. During an Alt Season:

  1. Many altcoins experience rapid price increases.
  2. The market share of altcoins grows relative to Bitcoin.
  3. Trading volume for altcoins typically increases.
  4. Investor attention shifts from Bitcoin to various altcoin projects.

An Alt Season can last anywhere from a few weeks to several months. It's often characterized by increased risk appetite among investors, who are willing to allocate more capital to smaller, potentially higher-risk crypto projects in search of higher returns.

Is Crypto Season the Same As Crypto Alt Season?

While related, Crypto Season and Crypto Alt Season are not exactly the same:

  1. Crypto Season:
    • Refers to a broader bullish period in the entire cryptocurrency market.
    • Typically includes price appreciation for both Bitcoin and altcoins.
    • Can be longer in duration, sometimes lasting for many months or even a year or more.
    • Often starts with a Bitcoin rally, followed by increased interest in the broader crypto market.
  2. Crypto Alt Season:
    • Specifically focuses on the outperformance of altcoins compared to Bitcoin.
    • Can occur within a broader Crypto Season but is more narrowly defined.
    • Generally shorter in duration than a full Crypto Season.
    • May happen towards the latter part of a broader Crypto Season, as investors seek higher returns in smaller cap coins.

Key Differences:

  • Scope: Crypto Season encompasses the entire market, while Alt Season focuses on altcoins.
  • Duration: Crypto Seasons are generally longer than Alt Seasons.
  • Market Dynamics: In a Crypto Season, Bitcoin often leads the rally, while in an Alt Season, altcoins outperform Bitcoin.

It's important to note that these terms are not officially defined and can be subject to different interpretations within the cryptocurrency community. However, understanding the distinction can help investors and traders better analyze market trends and potential opportunities in different segments of the crypto market.

What Is Alt Season Indicator?

The Alt Season Indicator is a tool used by cryptocurrency traders and investors to gauge whether the market is entering or currently in an "Alt Season" — a period when altcoins are outperforming Bitcoin. While there isn't a single, universally accepted Alt Season Indicator, several metrics and tools are commonly used to assess the likelihood of an Alt Season. Here are some key aspects of Alt Season Indicators:

Bitcoin Dominance

One of the most widely used indicators is Bitcoin Dominance, which measures Bitcoin's market capitalization as a percentage of the total cryptocurrency market cap.

  • Calculation: (Bitcoin Market Cap / Total Crypto Market Cap) * 100
  • Interpretation: A declining Bitcoin Dominance often signals a potential Alt Season, as it indicates that capital is flowing from Bitcoin into altcoins.
  • Threshold: Some traders consider Bitcoin Dominance below 50% as a potential indicator of an Alt Season.

Altcoin Market Cap Ratio

This indicator compares the total market capitalization of altcoins to Bitcoin's market cap.

  • Calculation: Total Altcoin Market Cap / Bitcoin Market Cap
  • Interpretation: An increasing ratio suggests growing strength in the altcoin market relative to Bitcoin.

Top 10 Altcoins Performance

This indicator tracks the performance of the top 10 altcoins by market cap (excluding Bitcoin) compared to Bitcoin over a specific period.

  • Calculation: Average percentage gain of top 10 altcoins vs. Bitcoin's percentage gain
  • Interpretation: When a majority of top altcoins consistently outperform Bitcoin, it may indicate an Alt Season.

Alt Season Index

Some crypto data platforms offer a proprietary Alt Season Index, which combines various metrics to provide a single score indicating the likelihood of an Alt Season.

  • Scale: Often presented as a percentage or a 0-100 score
  • Interpretation: Higher scores (e.g., above 75%) suggest a higher probability of an ongoing Alt Season

Trading Volume Ratios

This indicator compares the trading volumes of altcoins to Bitcoin's trading volume.

  • Calculation: Total Altcoin Trading Volume / Bitcoin Trading Volume
  • Interpretation: An increase in this ratio may indicate growing interest in altcoins, potentially signaling an Alt Season.

Important Considerations:

  1. No single indicator is foolproof. Traders often use a combination of indicators for a more comprehensive analysis.
  2. Market conditions can change rapidly, and past patterns don't guarantee future results.
  3. Different traders may use different thresholds or interpretations of these indicators.
  4. The crypto market's evolving nature means that indicators may need to be adjusted over time to remain relevant.

Understanding and effectively using Alt Season Indicators can help traders and investors make more informed decisions about allocating their resources between Bitcoin and altcoins. However, it's crucial to combine these indicators with broader market analysis and risk management strategies.

Alt Seasons: Historical Perspective, Current Situation, and Future Predictions

Previous Altcoin Seasons

In crypto, two periods stand out as particularly significant for altcoins. These "alt seasons" saw unprecedented growth and interest in cryptocurrencies beyond Bitcoin, reshaping the landscape of digital assets.

The 2017-2018 Alt Season

Duration: December 2017 to January 2018

Context:

  • Bitcoin (BTC) experienced its most remarkable bull run to date, reaching nearly $20,000 in December 2017.
  • This surge in Bitcoin's price and public interest created a ripple effect throughout the crypto market.

Key Developments:

  1. Proliferation of New Coins: The success of Bitcoin catalyzed the launch of numerous new cryptocurrencies.
  2. Investor Frenzy: Buoyed by Bitcoin's success, investors eagerly sought the "next Bitcoin," pouring capital into various altcoins.
  3. ICO Boom: This period saw a surge in Initial Coin Offerings (ICOs), with many projects raising millions in a matter of hours or days.
  4. Market Expansion: The total cryptocurrency market cap reached unprecedented levels, briefly surpassing $800 billion in January 2018.

Notable Altcoins: Ethereum (ETH), Ripple (XRP), and Litecoin (LTC) saw significant price increases during this period.

The 2020-2021 Alt Season

Duration: December 2020 to April 2021

Context:

  • Bitcoin broke its previous all-time high, surpassing $60,000 in March 2021.
  • The COVID-19 pandemic had accelerated digital adoption and increased interest in alternative investments.

Key Developments:

  1. DeFi Explosion: Decentralized Finance (DeFi) projects gained massive traction, with many tokens seeing exponential growth.
  2. NFT Boom: Non-Fungible Tokens (NFTs) entered the mainstream, driving interest in blockchain-based digital assets.
  3. Institutional Adoption: Major companies and institutional investors began adding cryptocurrencies to their balance sheets.
  4. Technological Advancements: Many altcoins introduced innovative features, scaling solutions, and use cases.

Notable Altcoins: Ethereum (ETH) reached new highs, while projects like Binance Coin (BNB), Cardano (ADA), and Polkadot (DOT) saw remarkable growth.

Comparative Analysis: Both alt seasons shared some common characteristics:

  • They were preceded by significant Bitcoin price rallies.
  • New projects and tokens gained rapid popularity and valuation.
  • Retail investor participation increased dramatically.
  • The overall cryptocurrency market capitalization reached new heights.

However, the 2020-2021 alt season was marked by greater institutional involvement and a broader range of technological innovations, particularly in DeFi and NFTs.

Is It Alt Season?

Based on the indicators discussed above, it's not currently an altcoin season. The Altcoin Season Index at 41 and Bitcoin's market dominance at 61.3% both suggest that Bitcoin is still the dominant force in the crypto market at this time.

When Is Alt Season?

Based on the information we could gather from various experts, we can analyze the predictions for the next altcoin season as follows:

  • Based on the latest analysis from experts and on-chain data, here’s what we know about the next altcoin season:

     

    Current Status (August 2025):

     

    • The altcoin season index—a metric that signals how many altcoins outperform Bitcoin—currently sits around 37. For a “full-blown” alt season, it typically needs to rise above 75.

    • Bitcoin dominance is approximately 61-62%. Historically, dropping below 60% often coincides with a rapid rotation into altcoins and the start of alt season.

     

    Key Indicators to Watch:

     

    • Altcoin Season Index (ASI): Above 75 signals a true altcoin season.

    • Bitcoin Dominance: A move below 60% usually marks the transition; sub-50% dominance is associated with peak alt season inflows.

    • Market Activity: Increasing volumes in major altcoins and Layer 1s, meme coin rallies, and spikes in DeFi activity are early warning signs.

    • Ethereum Outperformance: When ETH surges relative to BTC, this historically precedes broader altcoin rallies.

     

    Expert Predictions for 2025:

     

    • Analysts point to a pivotal window for alt season starting as early as August 2025 and extending through the fall, with many expecting true acceleration of altcoin gains if Bitcoin’s price consolidates and capital rotates further into alts.

    • There is strong consensus that macroeconomic catalysts, such as potential U.S. interest rate cuts and ongoing Bitcoin ETF momentum, could fuel a major altcoin rally in late 2025 if positive conditions persist.

    Summary Table: Key Factors & Targets

    SignalAlt Season TriggerStatus (Aug 2025)
    Altcoin Season Index (ASI)>75 ~37
    Bitcoin dominance<60% ~61–62% (near trigger)
    Altcoin trading volumeSustained surge across many alts Rising, but not explosive
    Ethereum outperformanceETH/ BTC breakout, >$3,700 Near, ETH ~$3,500
    Market narrativesAI, DeFi, meme coins, new L1 inflows Strengthening
     

    Bottom Line:
    Most analysts agree the groundwork for altcoin season in 2025 is building. We are currently in a transition phase: if Bitcoin dominance continues to fall and the Altcoin Season Index rises above 75, a full-fledged alt season could ignite during the second half of 2025. Monitor these key indicators to stay ahead as market momentum shifts from Bitcoin into a broader range of altltcoins.

Key Factors to Consider

  • Technology: Look for coins with innovative solutions to existing blockchain challenges.
  • Adoption: Consider projects with growing partnerships and real-world use cases.
  • Market Position: Established coins with room for growth may offer a balance of stability and potential returns.
  • Tokenomics: Understanding supply dynamics can help predict potential price movements.

It's crucial to conduct thorough research before investing. The cryptocurrency market is highly volatile, and past performance doesn't guarantee future results. Always invest responsibly and within your risk tolerance.

How to Win in Next Alt Season?

Capitalizing on the next altcoin season requires a strategic approach. Here's how to maximize potential gains:

  • Research and Diversification: Thoroughly research potential investments, analyzing both fundamentals and technical aspects to identify promising altcoins. Diversify your holdings across different projects to mitigate risk and maximize potential returns. Don't put all your eggs in one basket.
  • Strategic Timing: Utilize technical analysis tools like support/resistance levels and RSI to pinpoint optimal entry and exit points. Monitor market sentiment and price trends to make informed decisions. A clear entry and exit strategy is crucial for managing risk and maximizing profits during volatile periods.
  • Newer Projects: Consider participating in newer altcoin projects. This provides early access to potentially high-growth projects at discounted prices. Research upcoming defi projects with use cases, focusing on innovative projects with strong potential. Investing early can yield substantial returns as the project develops.

Conclusion

In summary, an altcoin season, marked by significant price increases in non-Bitcoin cryptocurrencies, may be on the horizon.  This potential surge could be driven by investors seeking higher returns in smaller-cap cryptocurrencies, technological advancements in altcoin projects, increased blockchain adoption, and the transition of projects from speculative ventures to real-world applications. 

Remember, while the potential for significant gains exists during an altcoin season, the cryptocurrency market remains highly volatile. Always invest responsibly.

Source

🙏 Donations Accepted 🙏

If you find value in my content, consider showing your support via:

💳 PayPal: 
1) Simply scan the QR code below 📲
2) or visit https://www.paypal.me/thedinarian

🔗 Crypto – Support via Coinbase Wallet to: [email protected]

Read full Article
Reply
thedinarian@thedinarian
July 28, 2025
post photo preview
PYTH: We'll Always Have Coldplay

Welcome back to The Epicenter, where crypto chaos meets corporate cringe.

But surprisingly, crypto has not been the most chaotic corner of the internet as of late.

That honor goes to the startup Astronomer, whose CEO’s cheating scandal broke the web in a glorious meme-fueled media frenzy. The company’s damage control? Hiring Gwyneth Paltrow as a “temporary spokesperson.” Do we think they’re grasping at straws or setting a new standard for PR?

Meanwhile, the markets didn’t blink. BTC is still flexing near its all-time highs. Michael Saylor’s bringing a bitcoin-adjacent money-market product to Wall Street. A pharma company just earmarked $700M to stack BNB, and analysts are calling time of death on the four-year crypto cycle. It’s a steady boom now, kittens.

A few things that are also worth noting: Winklevoss vs. JPMorgan, Visa’s take on stablecoins, and Robinhood’s Euro drama that defies the chillness of eurosummer.

Let’s get into it 👇

⛓️ The On-Chain Pulse: What’s Happening on the Front Lines of Finance

This week’s biggest news in crypto and all things digital assets

🗣️ Word on the Street: What the Experts are Saying

Stuff you should repost (or maybe even cough reword and take credit for)

Meme of the Week

🏦 Kiss my SaaS: What’s Changing the Game for Fintech

Things you should care about if you want to impress your coworkers

Closing Thoughts

From meme-fueled PR stunts to Bitcoin-backed money-market funds, this week reminded us that markets move fast—and headlines move faster. With Wall Street automating itself, fintechs beefing with banks, and even your smartphone becoming a miner, anything is possible. Stay curious, stay cynical, and as always—stay sharp and stay liquid. We’ll see you back here in two weeks.

— The Epicenter, powered by Pyth Network

 

🙏 Donations Accepted 🙏

If you find value in my content, consider showing your support via:

💳 PayPal: 
1) Simply scan the QR code below 📲
2) or visit https://www.paypal.me/thedinarian

🔗 Crypto – Support via Coinbase Wallet to: [email protected]

 

Read full Article
Reply
thedinarian@thedinarian
July 27, 2025
post photo preview
4 Fintech Companies 💸& Things To Know About 🤔

The fintech revolution is reshaping the way we manage, invest, and move money, breaking down traditional barriers and empowering individuals worldwide. As financial technology continues to evolve at a rapid pace, a select group of innovative companies are leading the charge by offering groundbreaking solutions that redefine banking, payments, and digital assets. Whether you’re a savvy investor, an industry professional, or simply curious about the future of finance, discovering these trailblazing fintech companies is essential to understanding today’s dynamic financial landscape.

 

  1.  Alina Invest - The AI Wealth Manager for GenZ Women

Alina is aimed at women under 25 who identify as beginner investors. They're an SEC-registered investment advisor that charges $120/year for membership. The service "buys and sells for you" and gives up notification updates of recent transactions like a wealth manager would.

👉 Getting people to invest early is crucial to building long-term wealth. One thing that holds them back is a lack of confidence and experience. Being targetted "for beginners" and people who live on TikTok should appeal. I love the sense of "we're buying and selling for you." Funds always do that, but making it an engagement mechanic is very smart. The risk here is that building a wealth business will take decades for the AUM to compound. But the next generations, Wealthfront or Betterment, will look something like Alina.

2. Blue layer - The Carbon project funding platform

Bluelayer allows Carbon project developers to take from feasibility studies to issuing credits, tracking inventory, and managing orders. Developers of reforestation, conservation, direct air capture, and other projects can also directly report to industry registries. 

👉 Carbon investing and tax credits are heavily incentivized but need transparent data. By focusing on the developers, Bluelayer can ensure the data, reporting, and credits lifecycle is all managed at the source. This is smart.

3. Akirolabs - Modern Procurement for enterprise

Akiro is a "strategic" procurement platform aiming to help enterprise customers identify risks, value drivers, and strategic levers before issuing an RFP. It aims to bring in multiple stakeholders for complex purchasing decisions at multinationals. 

👉 Procurement is a great wedge for multinational corporate transformation. Buying anything in an enterprise that uses large-scale ERPs is a nightmare of committees and spreadsheets. Turning an oil tanker-sized organization around is difficult, but the right suppliers can have a meaningful impact in the short term. That only works if you can buy from them. Getting people on the same page with a single platform is a great start.

4. NeoTax - Automated Tax R&D Credits

NeoTax allows companies to connect their engineering tools to calculate available tax advantages automatically. Once calculated, the tax fillings are clearly labeled with supporting evidence for the IRS.

👉 AWS and GCP log files and data are a goldmine. Last week, I covered Bilanc, which uses log files to figure out per-account unit economics. Now, we calculate R&D tax credits. The unlock here is LLM's ability to understand unstructured data. The hard part is understanding the moat, but time will tell.

In an era where technology and finance are increasingly intertwined, these four fintech companies stand out as catalysts for positive change. By driving progress in digital payments, asset management, lending, and decentralized finance, they are not only making financial services more accessible and efficient—they are also paving the way for a more inclusive and empowered global economy. Staying informed about their innovations can help you seize new opportunities and take part in the future of finance.

 

👀Things to know 👀

 

PayPal issued low guidance and warned of a “transition year.” The stock is down 8% in extended trading despite PayPal reporting a 9% growth in revenue and 23% EBITDA. Gross profit is down 4% YoY. PayPal's total revenues were $29Bn for the year

Adyen reported 22% revenue growth and an EBITDA margin of 46% for the full year. Adyen's total revenues were $1.75bn for the full year. The margin was down from 55% the previous year, impacted by hiring ahead of growth.

🤔 PayPal’s Braintree (unbranded) is losing market share in the US, while Adyen is winning it. eCommerce is growing ~9 to 10% YoY, and PayPal’s transaction revenue grew by 6.7%. The higher interest rate environment meant interest on balances dragged up the total revenue figure. Their core business is losing market share. Adyen is outgrowing the market by ~12%.

🤔 The PayPal button (branded) is losing to SHOP Pay and Apple Pay. The branded experience from Apple and Shopify is delightful for users; it’s fast and helps with small details like delivery tracking. That experience translates to higher conversion (and more revenue) for merchants.

🤔 The lack of a single global platform hurts PayPal, but it helps Adyen. In the earnings call, the new CEO admitted their mix of platforms like Venmo, PayPal, and Braintree are holding them back. They aim to combine and simplify, but that’s easier said than done.

🤔 Making a single platform from PayPal, Venmo, and Braintree won’t be easy. There’s a graveyard of payment company CEOs who tried to make “one platform” from things they acquired years ago. It’s crucial if they’re going to grow that they get their innovation edge back. Adyen has one platform in every market.

🤔 PayPal’s UK and European acquiring business is a bright spot. The UK and EU delivered 20% of overall revenue, growing 11% YoY. Square and Toast don’t have market share here, while iZettle, which PayPal acquired in 2018, is a strong market player. Overall though, it’s yet another tech stack and business that’s not part of a single global platform.

The two banks provided accounts to UK front companies secretly owned by an Iranian petrochemicals company. PCC has used these entities to receive funds from Iranian entities in China, concealed with trustee agreements and nominee directors. 

🤔 This is the headline every bank CEO fears. Oof. Shares of both banks have been down since the news broke, but this will no doubt involve crisis calls, committees, appearing in front of the regulator, and, finally, some sort of fine.

🤔 The "risk-based approach" has been arbitraged. A UK company with relatively low annual revenue would look "low risk" at onboarding. One business the FT covered looked like a small company at a residential address to compliance staff. They'd likely apply branch-level controls instead of the enterprise-grade controls you'd see for a large corporation. 

🤔 Hiring more staff won't fix this problem; it's a mindset and technology challenge. In theory, all of the skill and technology that exists to manage risks with large corporate customers (in the transaction banking divisions) are available to the other parts of a bank. In practice, they're not. Most banks lack a single data set and the ability for compliance officers in one team to see data from another part of the org. Getting the basics right with data and tooling is incredibly hard and will involve a multi-year effort. 

🤔 These things are rarely the failure of an individual or department; the issue is systemic. While two banks are named in this headline, the issue is everywhere. Banks need more data and better data to train better AI and machine learning. That all needs to happen in real-time as a compliment to the human staff. Throwing bodies at this won't solve the visibility issue teams have.

 🙏 Donations Accepted 🙏

If you find value in my content, consider showing your support via:

💳 PayPal: 

1) Simply scan the QR code below 📲
2) or visit https://www.paypal.me/thedinarian

🔗 Crypto – Support via Coinbase Wallet to: [email protected]

Or Buy me a coffee: https://buymeacoffee.com/thedinarian

Your generosity keeps this mission alive, for all! Namasté 🙏 Crypto Michael ⚡  The Dinarian

 

Read full Article
Reply
See More
Available on mobile and TV devices
google store google store app store app store
google store google store app tv store app tv store amazon store amazon store roku store roku store
Powered by Locals