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XRP Price Could Soar to $50 if Ripple Secures Bank License, Analyst Predicts

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XRP, the native cryptocurrency of Ripple Labs, could see a significant price surge to as high as $50 if Ripple obtains a U.S. banking license, according to a prominent crypto analyst. The prediction stems from the belief that a bank license would allow Ripple to fully integrate into the traditional financial system, opening the door to new liquidity pathways and broader institutional adoption.

Ripple has long positioned itself as a bridge between traditional finance and blockchain technology, offering cross-border payment solutions that aim to improve the speed and cost-efficiency of international money transfers. If Ripple were to acquire a banking license, it would be able to offer services typically reserved for traditional banks, such as custody, lending, and issuing financial products. This could place Ripple in a unique position within both the crypto and traditional finance ecosystems.

The analyst claims that such a move would enhance market confidence, attract more partnerships with financial institutions, and potentially drive XRP demand sharply upward. While XRP currently trades under $1, the $50 target represents an ambitious 50x increase. However, market experts caution that such predictions are speculative and hinge heavily on regulatory developments and broader market conditions.

Securing a bank license would also signal a high level of regulatory compliance, which could be a game-changer for Ripple, especially as it continues to navigate its ongoing legal battle with the U.S. Securities and Exchange Commission (SEC).

For now, investors are watching closely, with any news related to licensing or regulatory clarity likely to have a major impact on XRP’s price trajectory. Disclaimer: This article is for informational purposes only and does not constitute financial or investment advice. Cryptocurrency markets are highly volatile, and all investments carry risk. Readers should conduct their own research or consult with a qualified financial advisor before making investment decisions.

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Crypto Currency

Zcash Drops 4% as the Privacy Coin Rally Finally Cools Off

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Zcash’s 4% pullback over the past 24 hours isn’t a sign of panic — it’s what typically happens when a token that just delivered a 10x rally hits a pause in a Bitcoin-led, low-momentum market. With no fresh catalyst pushing traders to chase higher, ZEC simply became the latest high-flyer to take a breather.

Zcash Leads the Privacy Surge — Then Takes a Healthy Pullback

The biggest context behind ZEC’s decline is how far it had already climbed. Privacy coins have been one of the strongest crypto sectors since October, fueled by tightening surveillance rules in Europe and renewed excitement around zero-knowledge technology. Coverage of Midnight Network’s NIGHT token even emphasized that Zcash kicked off the entire trend, jumping tenfold between early October and mid-November.

After that explosive move — plus another 16% gain this past week — ZEC entered “extended” territory on higher timeframes. In environments like that, even mild profit-taking or market cooling can create sharper percentage pullbacks, especially when there’s no new Zcash-specific development to keep momentum running. The sector is hot, but ZEC wasn’t riding a new upgrade, governance shift, or listing this week. It’s behaving like the senior leader of a narrative, not a coin with a fresh trigger.

Macro Conditions Made Profit-Taking the Easy Choice

Zoom out, and the broader market tone made chasing ZEC less appealing. Derivatives commentary shows traders widely expected a 25 bps Fed cut — typically supportive for risk assets — yet analysts still projected a range-bound December. Altcoins have been lagging, and CoinMarketCap’s altcoin-season indicator sitting near 16/100 underscored that we’re still in a “Bitcoin season.”

Meanwhile, Bitcoin is struggling near resistance around $94,000, and Fed Chair Jerome Powell remains cautious about inflation and future cuts. With no green light for full risk-on positioning, it’s hard for a niche, high-volatility sector like privacy coins to maintain vertical momentum. In a market defined by “Bitcoin leads, altcoins follow,” a 10x mover like ZEC becomes the first place traders lock in gains.

Price Action Shows Rotation, Not Panic

ZEC slid from about $440.97 to $421.05 over the 24-hour period — a 4.24% pullback — but still holds a strong +16.64% seven-day performance. Intraday action also supports the idea of routine rotation rather than capitulation. ZEC dipped into the $390s early on before rebounding above $420 — a standard “selloff and partial recovery” pattern.

Volume cooled during the decline, dropping from above $1 billion to the mid-$800 million range, then climbing back toward $955 million near the close. That’s consistent with profit-taking and fresh dip-buying, not an accelerating exit.

No Zcash-Specific News Behind the Decline

There have been no major headlines in the past day involving Zcash upgrades, security issues, exchange news, or major governance events. Recent commentary focuses mostly on ZEC being the original privacy coin that sparked the sector’s breakout, with newer tokens like NIGHT currently refreshing the narrative. Without a coin-specific catalyst, ZEC simply traded in line with broader sector cooling and macro hesitation.

A Natural Pullback After Extraordinary Gains

ZEC’s 4% drop is best read as a normal correction for a privacy-sector leader that just enjoyed a massive, multi-week rally. With Bitcoin dictating market flow, altcoins underperforming, and no ZEC-exclusive developments in play, traders who profited from the run took the opportunity to rotate out — while dip buyers stepped in near $400.

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Crypto Currency

Cardano Blast: 10% Bullish Breakout Targets $0.50 and Beyond

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ardano’s ADA has ignited fresh excitement across the crypto market after shattering a multi-month downtrend on the 4-hour chart. The token surged 10% to $0.47, backed by a strong spike in trading volume that confirms growing institutional interest. This abrupt breakout comes as the ecosystem gears up for the highly anticipated launch of Midnight, Cardano’s privacy-focused sidechain, which founder Charles Hoskinson calls the project’s “biggest milestone to date.” Adding to the momentum, a new 70 million ADA treasury allocation aimed at infrastructure growth signals accelerated expansion in DeFi and enterprise sectors.

A Long-Awaited Breakout Signals a Trend Shift

ADA’s recent surge marks a dramatic reversal from its months-long consolidation. The token climbed from lows near $0.42 to $0.47 within hours, making it the top performer among the leading 10 cryptocurrencies. A widely shared 4-hour TradingView chart highlights the breakout clearly: ADA had been locked inside a descending channel since late October, with a dominant red trendline repeatedly rejecting upward moves. That changed on December 9 when ADA broke above the resistance zone at $0.43–$0.44, forming a powerful bullish engulfing candle. Rising volume and a recovery in RSI to near 60 confirm strengthening momentum without the threat of immediate overbought conditions.

Key Levels to Watch: $0.50 Resistance and $0.40 Support

Traders now set their sights on the crucial $0.50 resistance, a psychological and historical ceiling that could determine ADA’s next leg upward. Should Bitcoin maintain stability above $90,000, ADA’s tight correlation suggests further upward spillover that could expand Cardano’s $17 billion market cap. However, analysts caution that failure to hold above the breakout trendline may attract early profit-taking, potentially dragging ADA back toward $0.40 support.

Midnight Sidechain Fuels Fundamental Strength

Beyond the charts, Cardano’s fundamentals are entering a transformative phase. Hoskinson has spotlighted the upcoming Midnight sidechain—launching first on Binance Alpha—as a breakthrough moment for Cardano. Midnight integrates zero-knowledge proofs with Cardano’s scalable PoS design, delivering confidential smart contracts that appeal to DeFi innovators and enterprise clients alike. In parallel, the approved 70 million ADA treasury injection strengthens tooling, infrastructure, and developer incentives. With decentralized governance now fully active under the Voltaire era, Cardano is positioning itself as a formidable rival to Ethereum’s smart-contract dominance.

Trading Strategies Around the Breakout

Short-term traders are watching for a confirmed push above $0.50 to validate continuation toward higher targets. Swing traders may look to retests of the breakout zone for entries, while long-term holders see this move as a reaffirmation of Cardano’s slow-but-steady development philosophy. As Midnight attracts developers and Total Value Locked rises on platforms like Minswap and SundaeSwap, the broader narrative of Cardano’s resurgence is gaining renewed confidence.

Why This Matters for ADA’s Future

This breakout isn’t just technical—it reflects years of groundwork finally converging. With privacy integration, governance maturity, and infrastructure funding all aligning, Cardano’s ecosystem is entering a pivotal growth phase. In a year defined by regulatory clarity and emerging AI-blockchain synergies, ADA’s momentum feels both overdue and well-timed, reinforcing its status as a key asset in diversified portfolios.

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Crypto Currency

GoTyme Launches Crypto Trading in a Philippine Banking First

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GoTyme Bank has officially rolled out its integrated cryptocurrency service, becoming the first digital bank in the Philippines to allow users to buy and hold crypto directly inside their banking app. The move marks a major leap forward for local digital finance and could accelerate mainstream crypto adoption across Southeast Asia.

Crypto Trading Built Directly Into Banking

Through a partnership with U.S. fintech firm Alpaca, GoTyme now lets customers trade 11 major cryptocurrencies—including Bitcoin (BTC), Ethereum (ETH), and Binance Coin (BNB)—without needing a separate exchange account. Everything happens inside the GoTyme mobile app, allowing users to check balances, move funds, and buy digital assets within one regulated interface.

Because GoTyme operates under the Bangko Sentral ng Pilipinas (BSP), the new crypto feature carries the same compliance and security standards as traditional banking services.

A Major Convenience Upgrade for Filipino Crypto Users

The integration solves several long-standing pain points in the local crypto space:

  • No more switching between apps: Bank deposits, cash-ins, and crypto purchases happen in one place.
  • Bank-grade security: Assets benefit from GoTyme’s authentication and encryption systems.
  • Lower barriers to entry: New investors can access crypto without dealing with complicated onboarding or third-party platforms.
  • Institutional trust: Many Filipinos remain wary of independent crypto exchanges; GoTyme’s banking framework reduces that friction.

Why the Alpaca Partnership Matters

Alpaca provides the backend crypto brokerage technology, enabling GoTyme to meet international standards for digital asset trading. This reflects a growing global trend: banks are increasingly integrating crypto instead of competing with standalone Web3 platforms.

For GoTyme, the partnership ensures the service is scalable, compliant, and capable of evolving as crypto regulations mature.

Regulatory and Market Challenges Ahead

While innovative, the service launches amid a cautious regulatory environment. The BSP maintains strong oversight of crypto activity, requiring strict anti-money laundering monitoring. Volatility also remains a core risk, particularly for first-time investors.

GoTyme’s regulated structure may, however, help set a responsible precedent for Philippine banks exploring digital asset services.

A Boost for Financial Inclusion

By offering digital assets through an accessible platform, GoTyme could help introduce investing to a wider population—especially younger, tech-savvy Filipinos. The move positions the Philippines as a regional fintech innovator and may push other local banks to explore similar offerings.

A New Era for Digital Finance in the Philippines

GoTyme’s crypto service marks a turning point for the country’s financial ecosystem. By merging traditional banking with digital assets, the bank is democratizing access, improving convenience, and breaking down barriers for millions of potential crypto participants.

As Southeast Asia’s crypto landscape grows, this launch could influence how Filipinos—and eventually neighboring countries—interact with digital assets in their everyday financial lives.

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