🛑 SEC Commissioner Critiques Meme Coin Guidance as a Risky Loophole

🚨 SEC Commissioner Caroline A. Crenshaw has expressed serious concerns about new guidance from the Division of Corporation Finance regarding meme coins. She argues that this guidance misrepresents the agency's jurisdiction and suggests that meme coins may fall outside SEC oversight. In her statement on February 27, Crenshaw criticized the lack of a clear legal definition for meme coins, stating:

The guidance offers no clear definition from law or even a basic dictionary.

💰 Among the popular meme coins are the TRUMP and MELANIA tokens, launched by former President Donald Trump and First Lady Melania Trump. The TRUMP token debuted in January with a market capitalization of approximately $15 billion, followed by the introduction of the MELANIA token.

⚖️ Crenshaw, who has consistently advocated for stricter regulation of cryptocurrencies, emphasized that many crypto assets function as securities under the Howey test and should be subject to SEC oversight. She rejected the SEC's guidance that suggested meme coins might not be securities, stating that promoters often profit at the expense of retail investors.

🔍 Additionally, Crenshaw challenged the guidance's claim that meme coin prices are determined solely by market sentiment. She pointed out that issuers often manipulate supply, use buybacks, and make promises about future developments to attract buyers.

Fraudulent schemes such as pump-and-dump tactics and rug pulls further demonstrate that meme coins are not necessarily distinct from other crypto assets,

she noted.

📊 The commissioner also questioned the thoroughness of the SEC's analysis, stating:

Among the hundreds of self-proclaimed meme coins in the market, there is no doubt a continuum of offers and sales, some of which may be offers and sales of securities and some of which may not.

She wondered how many such coins were examined to draft the generalized denoscriptions set out in the guidance.

Cryptocurrencies Price Prediction: Other Cryptos That May Make Trump’s Crypto Strategic Reserve List 📊

Cryptocurrencies price surge as Trump names BTC, ETH, XRP, SOL, and ADA for a strategic reserve. Other cryptos may also join. Let's uncover

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🪙 Building a Strategic Bitcoin Reserve: Five Key Methods for the U.S. Government

💼 The U.S. government could swiftly establish a strategic bitcoin reserve under the Trump administration by employing five key strategies: seizing assets, accepting tax payments, direct purchases, selling federal assets for BTC, and borrowing bitcoin through loans or bonds.

🔒 Seizures and tax collection are already in play, with the Department of Justice (DOJ) holding 198,109 BTC from criminal investigations. This method avoids market volatility by utilizing bitcoin confiscated from illegal activities. Additionally, accepting bitcoin for federal taxes could encourage corporations and wealthy individuals to liquidate their crypto holdings in a tax-efficient manner.

🛒 Direct market purchases could be made by the Treasury or Federal Reserve through public exchanges or private over-the-counter (OTC) deals. Major exchanges like Coinbase and Kraken facilitate large trades, while OTC desks allow for discreet bulk purchases to prevent price spikes.

💰 The government could also sell federal assets for BTC. With $1.6 trillion in real estate and $400 billion in gold reserves, auctioning these assets exclusively for bitcoin would attract crypto-savvy buyers. For example, gold-for-BTC swaps could appeal to investors optimistic about bitcoin's long-term value.

📈 Bitcoin-backed borrowing is another option. The Treasury could borrow bitcoin from institutional holders by offering low-interest loans repayable in USD or BTC. Issuing bitcoin-denominated bonds would allow investors to deposit BTC in exchange for interest-bearing securities.

🔗 Combining these methods creates synergies: seizures and taxes provide steady inflows, while purchases, asset sales, and borrowing enable bulk acquisitions. For instance, seized BTC could be used as collateral for loans, with borrowed funds reinvested into market purchases.

🌍 The path to a bitcoin reserve for the U.S. government relies on leveraging its legal authority, financial infrastructure, and asset portfolio. While seizures and tax policies lay the groundwork, direct purchases, asset sales, and borrowing offer rapid pathways to accumulation. As bitcoin's role in global finance solidifies, these strategies could position the U.S. as a competitive holder of the world's largest cryptocurrency.

🛑 U.S. Senators Push to End Politically Motivated Debanking with FIRM Act

🚨 U.S. senators are advocating for the cessation of politically motivated debanking, asserting that regulators have misused their authority. The Financial Integrity and Regulation Management (FIRM) Act aims to ensure equitable financial access.

📅 On March 6, the U.S. Senate Committee on Banking, Housing, and Urban Affairs announced that Chairman Tim Scott (R-S.C.) is spearheading an initiative to eliminate the use of reputational risk in banking regulations through the FIRM Act. This legislation, which has the backing of all Republican committee members, seeks to prevent federal banking agencies from considering reputational risk as a supervisory factor when assessing financial institutions.

🗣 Scott stressed the urgency of addressing debanking, stating:

As Chairman of the Senate Banking Committee, I have made addressing debanking a top priority. This discriminatory and un-American practice should concern everyone … It’s clear that federal regulators have abused reputational risk by carrying out a political agenda against federally legal businesses.

He further added,

This legislation, which eliminates all references to reputational risk in regulatory supervision, is the first step in ending debanking once and for all.

🔍 Scott has prioritized debanking in his leadership, conducting hearings to investigate instances where regulators pressured financial institutions to cut ties with certain clients. In a recent Senate Banking Committee hearing, he confronted Federal Reserve Chair Jerome Powell on this issue, prompting Powell to commit to collaborating with the committee to address it.

📜 The FIRM Act mandates the removal of reputational risk from regulatory supervision, prohibits federal agencies from implementing related policies, and requires agencies to report to Congress on compliance. Scott and his Republican colleagues argue that the bill is essential to prevent financial regulators from using their authority to enforce political agendas under the guise of regulatory oversight.

🚫 Several senators condemned what they perceive as an abuse of regulatory power, particularly targeting industries or individuals based on political considerations. Senator Cynthia Lummis (R-Wyo.) criticized financial regulators, stating:

Federal banking agencies have brazenly abused their power, strangling legitimate businesses through politically motivated ‘reputational risk’ designations while hiding behind a façade of independence.

She added,

Americans deserve a transparent regulatory framework that fosters innovation in digital assets instead of smothering it with government overreach.

⚖️ Other senators, including Bill Hagerty (R-Tenn.) and Katie Britt (R-Ala.), argued that the legislation would restore fairness by ensuring regulators base decisions on objective financial risks rather than political preferences. Senator Tillis emphasized that the FIRM Act would

stop this political weaponization and ensure regulators focus on real financial risks, not personal or political agendas.

Crypto Market Crash: Here’s Why BTC, ETH, XRP & Others Face $685M Liquidation

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💰 Fold Holdings Expands Bitcoin Treasury to Over 1,485 BTC

🚀 Fold Holdings, a bitcoin-native financial services firm, has recently increased its bitcoin treasury by adding 475 BTC, bringing its total holdings to 1,485 BTC, valued at nearly $130 million. This significant 50% increase was achieved through the issuance of a convertible note with a conversion price of $12.50 per share, which is more than double the company's closing share price on March 5.

🔝 This strategic move positions Fold among the top 10 U.S. public companies with the largest bitcoin reserves, alongside industry giants like Microstrategy and Tesla.

We believe bitcoin will play a key role in the foundation of a new financial era, and Fold will help lead the way,

said Will Reeves, Fold's CEO. He emphasized that maintaining a significant bitcoin treasury not only drives value for shareholders but also strengthens the company's ability to support the next generation of financial services built on bitcoin.

📈 Since its Nasdaq debut in February under the ticker FLD, Fold has also distributed over $20 million worth of BTC to users through various services, including its debit card and insured accounts. As global interest in bitcoin as a strategic reserve asset continues to grow, Fold is positioning itself at the forefront of bitcoin-centric finance. Its expanding treasury reflects a strong belief in bitcoin's potential as a foundational element for future financial infrastructure.

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📝 Turkey's New Cryptocurrency Regulations: CMB Takes Charge

🇹🇷 Turkey has implemented new cryptocurrency regulations that grant the Capital Markets Board (CMB) complete oversight of crypto platforms. These regulations outline the obligations that crypto asset service providers (CASPs) must fulfill before starting operations, including the requirement to insure users' crypto assets.

📜 The announcement of a Communique on digital asset regulations follows a statement by Turkish Finance Minister Mehmet Simsek over a year ago, indicating that the CMB would oversee crypto firms. This move was part of Turkey's efforts to remove itself from the Financial Action Task Force (FATF) gray list, which highlighted the need for a regulatory framework for cryptocurrencies.

🚫 Previously, Turkey's lack of crypto regulations hindered its ability to monitor digital asset flows, leading to exploitation by criminals for money laundering and funding illicit activities. The absence of laws contributed to a rise in crypto scams within the country.

🔍 Under the new legal framework, founders aiming to operate as CASPs must meet specific criteria, including financial integrity and a clean legal record. Failure to comply may result in the CMB denying an operating permit. Additionally, CASPs are required to meet capital requirements, which must be paid in cash.

The establishment capital must not be less than the amount to be determined by the Board, provided that it is not less than the minimum capital amount foreseen in accordance with the Board’s regulations regarding the capital adequacy of crypto asset service providers, its entire capital must be paid in cash and its equity capital must not be less than this amount

the Communiqué states.

⚖️ The new regulations empower the CMB to impose penalties for violations or misconduct by CASP operators. Penalties can range from revoking operating permits to disqualifying individuals from holding positions within a CASP.

📉 Peter Schiff Warns of Bitcoin Collapse Amid Nasdaq Downturn

⚠️ Economist Peter Schiff has issued a dire warning about the future of bitcoin, suggesting that a prolonged downturn in the Nasdaq could lead to a significant decline in the cryptocurrency's price. In a recent post on social media, Schiff pointed out that the Nasdaq is currently down 12% and stated,

If this correction turns out to be a bear market, and the correlation where a 12% decline in the NASDAQ equates to a 24% decline in bitcoin holds, when the NASDAQ is down 20%, bitcoin will be about $65K.

📉 However, he cautioned that bear markets often result in much larger declines. He referenced past market downturns such as the Dot-com bubble and the 2008 financial crisis, stating,

If the NASDAQ goes into a bear market, history shows that the decline will be much larger.

Schiff projected that if the Nasdaq experiences a substantial decline, bitcoin could face an even steeper collapse. He warned,

If this bear market bottoms with just a 40% decline, that would put bitcoin at about $20K. However, my bet would be that a drop of that magnitude would accelerate bitcoin’s collapse to much lower levels.

📈 Schiff has long advocated for gold as a superior hedge against economic uncertainty, arguing that bitcoin lacks the same historical resilience. He predicted that a divergence between gold and bitcoin could further damage bitcoin's credibility.

Given that such a divergence will likely end the pretense that bitcoin is a store of value similar to gold, there will clearly be no justification for the U.S. government or any state government to keep any bitcoin in a strategic reserve,

he claimed.

💔 Despite Schiff's pessimistic outlook, many in the industry remain optimistic about bitcoin's future. Tim Draper maintains his $250,000 forecast for 2025, while Tom Lee expects bitcoin to be the year's top-performing asset. Standard Chartered projects a $500,000 valuation, and Michael Saylor envisions $13 million by 2045. Recent developments such as the White House Crypto Summit and President Trump's pledge for a strategic bitcoin reserve signal a shift towards favorable regulation for the cryptocurrency.

🔥 How High Can XRP Price Go as Ripple Trademarks “Downloadable Software” 🚀

Discover how high XRP price can go after Ripple filed a trademark for downloadable software to custody crypto assets.

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🚨 Breaking: US SEC Officially Drops Ripple Lawsuit ⚖️

After five years of a long-running legal battle, the US Securities and Exchange Commission has dropped the Ripple Lawsuit.

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🪙 Dubai Launches Tokenization Regulatory Sandbox for Investment Products

🏦 The Dubai Financial Services Authority (DFSA) has introduced the Tokenisation Regulatory Sandbox to assist companies developing tokenized investment products within the Dubai International Financial Centre (DIFC). This initiative highlights the DFSA's dedication to promoting innovation while upholding regulatory standards.

📅 The sandbox will operate in two phases: an Expression of Interest period for firms to indicate their intent, followed by an Innovation Testing Licence (ITL) Tokenisation Cohort for selected firms to test their products in a regulated environment. The DFSA invites applications from firms involved in tokenization activities such as issuance, trading, and settlement of tokenized investments like equities and bonds. However, crypto and fiat crypto tokens are excluded from this initiative.

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📰 DOJ Uncovers Crypto Market Manipulation Scheme by Gotbit Consulting

🚨 The U.S. Department of Justice (DOJ) revealed on March 21 that Gotbit Consulting LLC and its founder Aleksei Andriunin pleaded guilty to wire fraud and conspiracy charges related to a long-standing cryptocurrency market manipulation scheme. The 26-year-old dual national of Russia and Portugal was arrested abroad in October 2024 and extradited to the U.S. in February.

💰 As part of the resolution, Gotbit agreed to cease operations and forfeit approximately $23 million in seized cryptocurrency. The plea agreement recommends a sentence of up to two years in prison for Andriunin.

📈 Between 2018 and 2024, Gotbit employed wash trading strategies to inflate trading volume and prices of various digital tokens, misleading investors and platforms. The firm utilized multiple accounts to evade detection while promoting client tokens like Robo Inu and Saitama, which are now under separate investigation. Andriunin had previously admitted to creating custom software for these activities in a 2019 interview.

Gotbit is the third market maker to resolve criminal charges relating to wash trading in the cryptocurrency industry,

the DOJ stated. It also noted that Mytrade's founder pleaded guilty in October 2024 for providing unlawful wash trading services, and CLS Global FZC LLC did the same in January 2025 for offering illegal 'volume support' services.

⚖️ The charges carry severe penalties. Wire fraud can result in a sentence of up to 20 years in prison, while conspiracy to commit market manipulation and wire fraud can lead to a sentence of up to five years. Both charges also include provisions for supervised release, fines, restitution, and forfeiture.

💣 Bitcoin Price Set To Explode as Global Liquidity Z Score Flashes Buy Signal 🌐

Explore if Bitcoin price is ready to explode as Global Liquidity Index flash a buy signal after Z score dips to -3.

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📈 XRP's Market Resilience and Potential Upswing

📊 XRP is making a notable comeback with a current price of $2.47, which is a 27% decrease from its all-time high of $3.40. The cryptocurrency has a market capitalization of $143 billion and a 24-hour trading volume of $3.13 billion.

📈 In the short-term 1-hour chart, XRP shows a strong uptrend from $2.38 to $2.50, supported by bullish candles and increased green-volume activity. The price remains above key Fibonacci retracement levels, particularly the 0.382 level at $2.456 and the 0.500 level at $2.441, indicating strong buyer interest. A pullback to the $2.44–$2.45 range may offer scalping opportunities. However, momentum suggests a potential push beyond $2.505, with a short-term price target set between $2.55 and $2.60.

📈 On the 4-hour chart, XRP recently broke out from $2.22 to $2.59 before entering a consolidation phase. The previous downtrend from the $2.59 high to $2.35 appears to have reversed, as indicated by rising lows and higher closes. Volume contraction during pullbacks and expansion on green candles support the bullish outlook. The price action is approaching the 0.236–0.382 Fibonacci resistance zone ($2.451–$2.505), and a sustained breakout above this level could signal mid-term upside toward $2.70.

📈 The daily chart reveals a broader bullish accumulation pattern following a sharp impulse near $3.00, which was met with profit-taking. However, a strong support base around $1.90 has held firm, with the current structure showing higher lows and consolidation near the 0.500 Fibonacci level of $2.45. Volume surges at key support zones indicate strategic accumulation, with breakout potential above $2.60.

📈 Turning to oscillators, market sentiment remains broadly neutral. The relative strength index (RSI) is at 53.09557, indicating balanced momentum. The Stochastic at 76.66354 also suggests a neutral trend, avoiding overbought territory. Meanwhile, the commodity channel index (CCI) is positioned at 76.37764 and the average directional index (ADX) at 13.73979, both reflecting weak directional strength.

📈 Analyzing moving averages (MAs), the bullish tilt is more prominent. The exponential moving average (EMA) and simple moving average (SMA) across 10, 20, 30, 50, 100, and 200 periods show predominantly bullish signals. The 200-period EMA and SMA confirm a long-term bullish structure.

📈 In conclusion, XRP is exhibiting a structurally bullish setup across all timeframes. If price action maintains above key Fibonacci levels and breaks through $2.60 with volume confirmation, XRP could be primed for a rally toward $2.90 and a potential retest of the $3.00 threshold. However, despite the optimistic structure, XRP remains 27% below its all-time high and faces notable resistance near the $2.60 zone.

📉 Inflation Concerns Impact Bitcoin as Core PCE Index Surges

📊 The U.S. Bureau of Economic Analysis (BEA) reported a surprising increase in the core personal consumption expenditures (PCE) price index, which excludes the volatile food and energy sectors. This index rose by 0.4% in February, reaching 2.8%, surpassing analysts' expectations of a 0.3% increase. In contrast, the “all-items” PCE price index, which includes food and energy, only increased by 0.3%, aligning with predictions.

📉 Following this news, Bitcoin (BTC) experienced a significant drop, falling below $85,000. At the time of reporting, it was trading at $84,274.18, reflecting a 3.37% decline over the past 24 hours, although it remained up 0.29% for the week. The cryptocurrency showed increased volatility, trading between $84,145.77 and $87,702.17 as traders reacted to the economic data.

📈 Bitcoin's 24-hour trading volume surged by 17.10% to $31.03 billion, indicating heightened market activity likely driven by the PCE inflation report. However, its market capitalization fell by 3.47% to $1.67 trillion amid rising selling pressure. Despite this, Bitcoin's market dominance increased slightly by 0.23% to 61.93%, suggesting that altcoins may have experienced greater losses.

📉 On the futures market front, there are signs of caution. BTC futures open interest decreased by 1.88% to $56.18 billion, indicating that traders are scaling back on leveraged positions. Additionally, total liquidations in the last 24 hours reached $22.34 million, predominantly from long positions, highlighting that bullish traders were caught off guard by the sudden price drop.

🔮 Looking ahead, Bitcoin's short-term outlook remains uncertain as macroeconomic factors continue to influence investor sentiment. The unexpected inflation data raises questions about the Federal Reserve's future actions, which will be crucial in determining Bitcoin's direction. If inflation persists, markets may prepare for a prolonged period of tight monetary policy, potentially hindering Bitcoin's upward momentum.

Gold Price Prediction XAU/USD Hits New ATH as Crypto Markets Sink

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🇬🇭Ghana's Blockchain Initiative for Gold Tracking

🌍 Ghana is set to revolutionize its gold sector with a blockchain-based tracking system aimed at curbing illegal exports. Sammy Gyamfi, the acting Managing Director of the Precious Minerals Marketing Company (PMMC), highlighted that this initiative is linked to the Gold Board Bill currently under parliamentary review.

📜 The proposed system will register all licensed miners in a national database, assign unique digital codes to production batches, and record transactions on a blockchain. The new Gold Board is expected to oversee purchases from small-scale miners, regulate pricing, and address smuggling issues.

💰 This move could potentially help Ghana recover an estimated $2 billion lost annually to illegal trade while also boosting revenue, stabilizing the cedi, and ensuring fair pricing for miners. An anti-smuggling task force is also planned to enforce compliance.

📊 Pilot projects have shown promising results, and if approved, this system would represent one of Ghana’s first large-scale applications of blockchain in its mineral sector.