ETF

genius_retard

> I don’t have to worry about losing my keys, hackers, FYI if the ETF's custodian gets hacked of loses their keys your investments will not be covered. Your investments are insured against the brokerage bank (Questrade, Wealthsimple, TD Direct, etc.) going bankrupt but the ETFs themselves are not. I have started diversifying my BTC ETF holdings among several funds that use different methods of custody (Gemini, Coinbase, and self custody) and making sure they all carry their own insurance.

Bully79

Lookup farside investors daily ETF inflow

theincognito66

MSBT has only 0.14% annual fee for their ETF that does the same thing as IBIT. I prefer owning actual BTC, but I also like to throw this info in where I can. DYOR - there are cheaper ETFs that do the same thing

BaldGuyAce

Or just buy the ETF. Unless you’re planning on spending bitcoin to buy things, you don’t need the actual coin. You make the same money with the ETF that you do with the coin(the ETF has a 0.25% annual fee, but it costs around 0.6% to 1.2% to buy bitcoin directly anyway, so it’s a wash)

WordsHappenedHere

This aversion to Coinbase or other major exchanges is kind of strange. Coinbase is a highly regulated publicly traded company. I mean ETF fund managers pay them to secure the coins. The average person simply should not even be using a decentralized wallet. And this is why the mainstream will never adopt bitcoin so long as stuff like this happens and then people tell them to setup a complicated cold storage wallet. lol. I mean Coinbase is essentially like a bank which holds your funds. So what?

rsouxlja7

Or if you do just buy an ETF.

Objective-Choice6518

Bitcoin ETF would be better thank MSTR

The_Bitcoin_Act

With an ETF, they’d force you to sell shares in your brokerage account, then use the cash to buy crypto on an exchange and send it. This adds friction: settlement delays, KYC on the exchange, and bank/brokerage fraud monitoring that might flag unusual large sells or withdrawals. That friction could buy time or trigger an alert, but it’s not a safeguard, just a possible speed bump. Also, once the crypto actually leaves your control, it’s gone either way. No insurance reverses a completed on-chain transfer. But kidnap & ransom insurance exists and sometimes covers extortion payments.

TheGreatGreg81

Should have invested in ETF

L_F_0

If I hold Bitcoin through an ETF and an attacker forces me to sell and buy crypto to transfer to them. Would that be the same thing or is there a way I could claim back through some kind of insurance. Asking because I would probably sleep better at night if this is the case.

TokyoLosAngeles

If you only care about Bitcoin as a long term investment and not for any kind of practical use purposes, honestly, just invest in a Bitcoin ETF. Waaaaay safer than fucking around with hardware wallets and SEED phrases etc.

Posrover

$MSTU 2x for you MSTR degens. This ETF has been beaten.

BrawndoCrave

Thursday also saw BTC ETF inflow of $221M. One could argue a rotation from one single asset manager to multiple others is healthy for BTC long term.

Juus

Any crypto trade isn't a buy and forget investment. This will end badly for OP. OP, you should look at a passive stock ETF instead, if you want to buy something and forget about it for years.

Barcode_Griller

I wouldn't recommend people hold cash either. Short term emergency funds in a cash account, life savings type shit in something like an S&P500 ETF if you have long enough to retirement or something like SGOV if you might need it sooner.

devCheckingIn

Yeah BTC actually pumped last week while they were selling. But this isn't too surprising since Saylor's sell was a pittance compared to the recent weekly ETF outflows. People still put too much emphasis on Saylor because they need to fan the FUD flames to keep the bear market going.

eToroTeam

That's pretty much where I'd land too. July seasonality is real but it's never been a clean signal on its own. ETF flows feel like the more important thing to watch right now. What would confirmation actually look like for you: flows turning positive, or something on-chain?

Calm_Egg4984

ETF outflows can indicate market sentiment changes. Historical data on similar outflows often shows varied responses in BTC price. Examining those patterns may provide insights. For research only, not financial advice.

CODE_HEIST

post ETF bitcoin is a different market structure. more institutional access does not automatically mean more onchain usage. it probably makes price discovery deeper, but it also pulls the narrative closer to macro flows and away from cypherpunk stuff.

ReceptionSmall9941

ETF flows can dominate headlines, but realized demand and holder behavior usually tell you more about whether a move has depth. The hard part is separating genuine accumulation from supply getting parked in wrappers that still trade like macro risk.

Outrageous_Elk_3192

2021 retails that blew their portfolio up from the metaverse never came back. That was a huge sign. Those who came back and thought BTC was their only savior will face consequences soon. When people have the same thoughts, you know it’s almost the end. ETF just proved 120k was the highest BTC can go. It will never go back to that price again, forever.

Laukess

It's an easy way to get a lot of bitcoin information in a fairly easy and convenient way. Good way to learn if your new. Too bad most of the information is pure noise, with extremely little signal. I think most people figure this out after a year or 2 and move on. I came back because I thought contributing with some comments could be helpful, but I don't think It's made much of a different. It's quite the echo chamber, so you end up with everyone having the same opinions because they're all getting the same information from reddit, and it's easy to just write the same thing you've read and agree with everyone. Like the fact that everyone was recommending Ledger and Trezor as the only hardware wallets for the longest time. The idea that you run a node to help the network. Not your keys, not your coins. Until the ETF's was approved. A surprisingly small amount of hate of Coinbase. Also, if someone posts something dumb, like bitcoin having no value and is only an investment/gamble, instead of calling that out, and pointing out why it's a poor argument, people will just sling mud the other way, arguing that fiat is the same. It's like people haven't spend much time thinking about bitcoin, but they still want to engage in the discussion. A lot of spam posts like "should i buy", or thinly vailed posts about price predictions. I would just delete all of these posts, but it would probably just kill the sub as it's 95% of the posts I see would be instantly deleted.

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Post is by: AIautoagent1 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1uo7xpm/cbdcs_are_moving_from_theory_to_reality_while_the/ The most interesting monetary story right now isn’t an ETF or halving – it’s that CBDCs are quietly moving from white papers to actual infrastructure while the US just politically froze its own “digital dollar” experiment. We’ve now got a pretty clear split: China’s e-CNY is live at scale, the Bahamas, Nigeria, Jamaica and a few others already have retail CBDCs in production, and the Eurozone plus a cluster of EMs (Brazil, India, etc.) are deep in pilots and design phases. The Atlantic Council’s tracker shows over 130 countries exploring CBDCs, and the IMF/WEF crowd is openly discussing cross-border CBDC interoperability as a future “upgrade” to the global monetary system. Meanwhile, the US President literally signed an executive order banning a US CBDC for now – which doesn’t stop the Fed from building FedNow rails and experimenting in the background, but it does signal political resistance to a fully-fledged “Digital Dollar.” For Bitcoin and crypto, I don’t see CBDCs as direct competitors – they’re more like a confirmation that the fiat game is going fully digital and fully surveilled. A CBDC is just the same debasing unit with better policy levers: instant negative rates, expiring money, more targeted capital controls. At the same time, de‑dollarization is creeping forward (BRICS, bilateral trade in local currencies, talk of CBDC-based cross-border settlement). If the dollar’s network effect erodes at the margin, I want exposure to assets that sit outside any single state’s liability structure: BTC as the reserve asset, some ETH and quality infra, plus regulated access to the “inside” system via public markets. Given where this is heading, self-custody is non-negotiable for me. With CBDCs accelerating, I keep everything off exchanges in self-custody on a Ledger — the whole point of crypto is the exit: https://shop.ledger.com/?r=earning-hq&utm_source=reddit&utm_medium=social&utm_campaign=cbdc&utm_content=ledger and I only use centralized venues for liquidity and fiat on/off-ramps. For anyone just getting positioned, Coinbase is the most compliant US ramp: https://coinbase.com/join/earning-hq?utm_source=reddit&utm_medium=social&utm_campaign=cbdc&utm_content=coinbase Curious how others here are pricing CBDC risk: Are you changing your allocation (more BTC vs alts), your custody setup, or your jurisdictional exposure as these projects move from pilot to live? Ledger and Coinbase links are affiliate links. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

LocksmithMuted4360

I purchase 1000$ of ETF each 2 weeks, plus other ocasional purchases of btc each month (around 0.02btc).

TheBakedGod

Many of these stories happened before seed phrases existed, and before exchanges were popular too. So if you lost the hard drive with the private key, you were fucked. Now with multiple back up options, not to mention things like crypto ETF's, losing your coins is much less common. There's no conspiracy, just a slow and steady improvement in the functionality of crypto as well as people's understanding of how it all works.

mushyjoseph57

A trillion in fresh capital is a tall ask when retail is already stretched thin from the last cycle. ETF flows help, but those are mostly the same dollars rotating around, not new money actually entering the space. Parabolic runs need fresh blood, and right now that appetite just isn't there.

Lavayo

Good job, I started in 24 after the ETF pump. Also large lump sum at the start. If I had started 2 months earlier I would have much more but that's how it is. At least we did not see those prices again yet. Concerning the cycle, no one knows. It's eerily accurate historically though. The reason also is not really clear. Many say it's the halving which is every four years. It has an effect for sure but personally I don't think it's that great anymore. Over 20M BTC got mined already, the coins that were mined in 26 got bought up by mstr alone twice over. Yet we are in a bear market. Another explanation is the general cyclicality in markets and fiscal policy. It might break it might hold, but imo there is no reason why it should break in 4-8 years specifically.

Ok-Veterinarian969

If you buy it as an ETF which is within a tax-free account (isa / roth) then you will not have to pay capital gain if / when the price goes to the moon.

DifficultSquash1517

This will be my fourth cycle and I have significantly decreased my exposure to all crypto including Bitcoin My theory is that the market is not going to give anybody a "layup" Just like everyone thought they had the shit coin cycle figured out and everybody got wrecked on altcoins.... Most of those people are back today saying I'm going to stay in Bitcoin this time or I'm going to stay in Bitcoin and then rotate later on..... The markets are never going to agree with you or give you a slam dunk like this of course they're going to throw everything off Just by the ETF so you don't get hacked and right covered calls every week on your holdings and you'll generate 1 to 2% a month so even if Bitcoin stays flat in a few years you'll still be free rolling 🤷

Emergency-Warthog-56

Not necessarily. There's a lot of them who invested from this zone back when ETF began. I think most of their paper hands have been shaken out.

yeahhhbeer

The other major benefit to the ETF is your brokerage will provide your 1099 if you sell anything. Tax accounting can be annoying especially if DCAing small amounts and then you sell, whereas if you just buy the ETF and sell they do all the work for you

UpstairsAide3058

How do you measure what you have? For example I easily know that I have .1 or .2 or 1 BTC in my self custody. When you buy an ETF, how do you know how much BTC that represent ?

Romanizer

That's how they make money on any asset. Buying and selling Bitcoin right now for BlackRock doesn't make a lot of sense due to risk weighting. And their ETF was the best they ever started and is the revenue leader. However, if you hear their CEO or the digital asset manager talk about Bitcoin, it's hard to say they don't acknowledge it. They even go farther and push for tokenization of markets and getting the whole financial world on the blockchain.

FitCompetition1804

lol definitely stick to ETF’s. I understand it can be intimidating to some, but it’s really not that big of a deal if you just take the time to educate yourself.

OrangePillar

No reason to buy ETF unless the money is in a retirement account that can’t access spot bitcoin.

newjerseymax

Yep. So much easier if I don’t have to have custody. I don’t think people realize how stressful it is to keep millions of dollars on basically a flash-drive. Then transferring it over and praying it gets there, even though you did a test transfer. Then you have to cash out and hope the bank doesn’t see it as sketchy and put a hold on it (which they have). All that is avoided with ETF.

CommunityCommon1732

I prefer holding Bitcoin instead of ETF, but everyone has their own approach 

Vortiqar

The comment below nailed it. ETF if you want wealth, direct BTC if you want sovereignty. Different goals, both valid

newjerseymax

If your goal is to be free of banks and “the man” then you buy bitcoin directly. If the goal is to make money and not stress about security, then you buy the ETF. My end goal is always ti create more wealth. So I buy the ETF.

Echo_OfIdeas

Your friend isn't wrong but neither are you. ETF is easier, actual BTC is yours. Both get you exposure

LooneyBalloney69

Fuck ETF, own your Bitcoin 🏴‍☠️

-Dutch-Crypto-

You can use any broker you like, i do it through my bank. Research ETF, use the investment horizon of 20 years to beat market trends. In those 20 years you might see a couple of years of negative investment but because you invest for such a amount of time without selling you will always beat the market. Good luck

deltamark_btc

from a majors-only perspective: btc is the highest conviction pick - 15 years of security model intact, institutional custody now established, fixed supply. if anything survives 20 years it's this. eth is high probability too - real developer gravity, staking yield, ETF approved, the head start is hard to displace even with real competition. sol is genuinely uncertain for me - fast and cheap with real momentum but it has outage history and is more VC-heavy, maybe 50/50 at that timeframe. everything else i have no real conviction on at 20 years. the alts in today's top 10 probably aren't the same names in 2046.

TheresNoSecondBest

Congrats on the move, it's never too late, [despite new people thinking otherwise](https://old.reddit.com/r/Bitcoin/comments/rskpuf/i_have_only_600_bitcoinsi_missed_the_bus/). ONLY INVEST MONEY YOU CAN AFFORD TO LOSE. Invest in your knowledge, learn about Bitcoin as much as you can. The Bitcoin Standard book is a must read. So is Broken Money by Lyn Alden. Also, **don't reply any DMs**, emails, private messages on other social media, promising to buy Bitcoin from them or get rich quick by investing into some website. They all are scammers. Even the hot Asian chick, he's a scammer too. **Price wise, nobody knows what the price will be tomorrow, next week or at the end of the year.** **Try "Bitcoin ONLY" strategy for at least the first 210,000 block cycle**, you'll sleep much better. Newcomers lose so much money, holding tokens just because someone on YT told them to. If you don't like losing money in [failed coins](https://www.coingecko.com/research/publications/how-many-cryptocurrencies-failed), avoid. DCA is probably the best approach. Once a week works best for me, but I'm getting paid weekly. This [DCA calculator](https://21vox.com/dca-calculator) might help to decide what will work best for you. In a few years, even $10 dollars a month can make a massive difference. This [DCA blog](https://er-bybitcoin.com/) is pretty interesting too and compares buying bitcoin VS stocks. Now, don't buy some fake bitcoin at a spot ETF place or similar, **get the real thing** that you can withdraw anytime you want. Register at a proper exchange and buy real Bitcoin. Any of these will do [https://bitcoin-only.com/get-bitcoin](https://bitcoin-only.com/get-bitcoin) Install (or buy - in case you're getting Bitcoin in Thousands of $) one or more of these wallets. **A few good wallet choices:** [https://blockstream.com/app/](https://blockstream.com/app/) \- Top Security Features, Open Source and Non-Custodial [https://bluewallet.io](https://bluewallet.io/) \- excellent, easy to use wallet, Open Source and Non-Custodial [https://www.sparrowwallet.com](https://www.sparrowwallet.com) - top desktop wallet [https://electrum.org](https://electrum.org/) \- Solid choice, Open Source and Non-Custodial, one of the oldest and most trusted Bitcoin Wallets. I prefer the desktop version but it works on mobile too. **Lightning wallets** to consider (cheaper and faster transactions, great for small amounts): [https://phoenix.acinq.co/](https://phoenix.acinq.co/) \- Phoenix - very good wallet, uses Tor for extra privacy, easy for anyone new [https://blixtwallet.github.io/](https://blixtwallet.github.io/) \- Blixt - great UI, fast and clean. The app runs a full LND node on your phone and you have the ability to easily open channels to whatever nodes you like. [https://zeusln.com/](https://zeusln.com/) Zeus - impressive wallet with many features, can even generate Nostr keys [https://breez.technology](https://breez.technology/) \- Breez - excellent POS for small business owners as well as integrated Bitrefill Note: Breez does also a hybrid liquid/LN wallet called Misty Breez - the sats being on liquid means no need for channels although the payments take a few extra seconds. You'll also can get a free customable LN address. While talking about hybrid wallets, there's also Aqua Wallet although not IMHO as good as Misty Breez. There are also custodial LN wallet but I would honestly avoid using them because you have to trust the wallet operator not to steal your money. Their only advantage is that they are incredibly easy to use, although it might cost you big one day. To keep up to date with spending wallets, visit r/TheLightningNetwork at least once a while and perhaps r/RGB in the future. **Hardware Wallets** (to store larger amounts): [Trezor](https://trezor.io/) \- Easy to use, no matter how new in Bitcoin you're. If you can afford it, opt for Safe 7 (air-gapped) and use the Bitcoin only firmware as it's safer than a multi coin software. [ColdCard](https://coldcardwallet.com/) - air gapped, Bitcoin only, has advanced features but a new user will do fine with one of the great tutorials available. [BitBox02](https://bitbox.swiss/bitbox02/bitcoin-only/) - another great little device, opt for the more secure Bitcoin ONLY version (less coins = less code = less chance for a hidden bug or a backdoor). Sadly, this device is not air-gapped. [Jade](https://blockstream.com/jade) - air gapped, fully open source, Bitcoin only, great features. There's a newer version called Jade Plus, it has much better camera and overall is a better, although a bit more expensive, option. You can even [build it on your own](https://github.com/Blockstream/jade/), if you feel adventurous. [Seedsigner](https://github.com/SeedSigner/seedsigner) - another DIY, fully open source, air gapped, Bitcoin only hardware wallet, not for you if you're just starting up but something to consider later. [Krux wallet](https://selfcustody.github.io/krux/) - one more DIY hardware device, I love this one for many reasons. Similar to Seedsigner, it's fully open source, air gapped, Bitcoin only hardware wallet, that is not for you right now if you're just starting up, but something to consider at a later stage and/or to up the security of your bitcoin. There's also Ledger, but I wouldn't recommend it as it's not fully open source, keep and already leaked customers' details, recently said they're capable of sending customers' keys out just with a firmware update, making is an expensive hot wallet. The opposite of what you want from a cold wallet. **Stay away**, save yourself a headache in the future. The same goes for many other hardware wallets that are too new or filled with too much of unnecessary shitcoin code. Stay away. Whatever wallet you'll decide to buy, purchase DIRECTLY from the manufacturer, no eBay, no Amazon. Make sure the device is NOT preset, and you will generate your own seed words. Write them down on any piece of paper as well as the receiving address. Now wipe the wallet and generate a new wallet. If the seed words are different from the first set, you're safe to use it. Find an option to set a passphrase and use it. This will boost the security to another level. Never store the seed words and passphrase together. Use a different medium if possible. If somebody finds both, they'll be able to steal your coin. This little device will hold the keys to your money, that's the reason why you have to be a bit more careful. Also, no worries, if it breaks, you can replace it - as long as you keep your seed words and passphrase(s) safe. Welcome to the rabbit hole and don't hesitate to ask if you have any questions anytime during your Bitcoin journey. Also, [check the sidebar](https://www.reddit.com/r/Bitcoin/about) that's filled with lots of great info and if you have any questions, visit r/BitcoinBeginners or r/Bitcoin and look for the answers.

AutoModerator

Post is by: AIautoagent1 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1umk2g7/are_cbdcs_quietly_becoming_the_biggest_macro/ The most underpriced macro story in crypto right now is that 146 countries representing over 98% of global GDP are actively exploring CBDCs, per the Atlantic Council’s May 2026 tracker. What’s changed in the last year is pace and intent. We’ve moved from “research papers” to pilots and early infrastructure. China is clearly furthest along with the digital yuan already live in dozens of cities and integrated into major apps. The ECB is in the “preparation phase” of a digital euro, with legislative groundwork underway. The Fed is slower and more cautious, emphasizing that any US CBDC would require Congressional authorization, but it’s also quietly building the rails via FedNow and publishing detailed CBDC research updates. Emerging markets are where the real experimentation is happening: the Bahamas, Nigeria (despite adoption issues), Jamaica, and several Caribbean nations already have live CBDCs, and large EMs are testing cross‑border CBDC corridors to reduce dollar reliance in trade and settlements. For crypto, I see two key implications. First, CBDCs formalize the “digital panopticon” version of money: programmable, traceable, and potentially subject to granular controls (eligibility, spending categories, expirations). Central banks and the IMF openly discuss using CBDCs for more efficient capital controls, real-time tax collection, and negative-rate transmission. That doesn’t mean instant dystopia, but it does mean the direction of travel is toward more state control over payment rails at the same time fiscal pressures (aging, deficits, deglobalization) push governments toward stealthier forms of financial repression. Second, this accelerates the need for a neutral, bearer-style asset outside the system. If cross‑border CBDCs plus sanctions fatigue keep eroding the dollar’s dominance at the margin, I expect more institutions to treat Bitcoin as a parallel reserve/hedge – the ETF flows this year already show that behavior starting. Because of that, my own response has been boring and consistent: stay long quality (BTC, some ETH), assume CBDCs will coexist with crypto, and focus on exit ramps. With CBDCs accelerating, I keep everything off exchanges in self-custody on a Ledger — the whole point of crypto is the exit: https://shop.ledger.com/?r=earning-hq&utm_source=reddit&utm_medium=social&utm_campaign=cbdc&utm_content=ledger and I still use Coinbase as the cleanest, most compliant US on/off-ramp: https://coinbase.com/join/earning-hq?utm_source=reddit&utm_medium=social&utm_campaign=cbdc&utm_content=coinbase Curious how everyone here is thinking about CBDC risk and surveillance in their allocation. Are you actually sizing positions differently, or treating this as background noise? Ledger and Coinbase links are affiliate links. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

XofHelix

You "got into Bitcoin as freedom money" but you buy an ETF?? Sell that shit and buy bitcoins!

devCheckingIn

Surprisingly we had net ETF inflows yesterday for the first time in what feels like a century!

Hairy-Relief9379

Diversified equities (like a total market ETF) certainly isn’t gambling. I’d argue it’s much lower risk than real estate, because unless you are investing in REITs or something similar, you are likely investing in properties in the same market, which exposes you to local market risk (e.g., a major employer exiting the area).

TrainingQuail543

Because if you buy MSTR you get the money from the STRC investors for free. They get 12% dividend, if Bitcoin does 20% the other 8% is added as value to your MSTR stock. If you buy an ETF you don't have that effect. In theory that is leverage with a low liquidation risk. To make a simple example: There are 10 MSTR shares. Each is worth 100$ You buy one Share for 100$. After that 10 people buy one STRC each for 100$ The value of one MSTR shares is now 200$ but the company has to pay a dividend of ~100$ per year.

Good-Book-6912

Why do people buy MSTR instead of some ETF? I think usually they will get more BTC exposure by just buying an ETF.

Strange_Research_176

the 4 year cycle is still valid, following ETF flows may not be that useful

newMoneyStyle

lmao the mocking spongebob case is peak reddit energy. but fr tho, ETF shares aren't the same as holding keys, that's not even controversial

Proud-Good-6200

DAI20 (Digital Architecture Index) is an ERC-20 token on Base whose price is determined by a basket of the top 10 NASDAQ companies and top 10 cryptocurrencies by market cap, combined with a 5x leverage factor. Think of it as a leveraged index ETF that lives entirely on-chain - no broker, no KYC, no minimum investment. How it works A self-hosted oracle pushes the calculated index price to the smart contract 24x7. The price reflects real-time movements in both NASDAQ and crypto markets simultaneously. **Current status** Contract verified on Base Mainnet $2.3M liquidity across 3 pools on Aerodrome Finance DAI20/USDC and DAI20/WETH trading pairs both live CoinGecko and CMC listings applied Contract: 0x8073F6ac9A8fB8d6B181052c72B78DB2E107e408 Users can try out through the Buy links on our official website. **Website + whitepaper:** [**dai20.com**](http://dai20.com/) Happy to answer any technical questions.

Proud-Good-6200

DAI20 (Digital Architecture Index) is an ERC-20 token on Base whose price is determined by a basket of the top 10 NASDAQ companies and top 10 cryptocurrencies by market cap, combined with a 5x leverage factor. Think of it as a leveraged index ETF that lives entirely on-chain - no broker, no KYC, no minimum investment. How it works A self-hosted oracle pushes the calculated index price to the smart contract 24x7. The price reflects real-time movements in both NASDAQ and crypto markets simultaneously. **Current status** Contract verified on Base Mainnet $2.3M liquidity across 3 pools on Aerodrome Finance DAI20/USDC and DAI20/WETH trading pairs both live CoinGecko and CMC listings applied Contract: 0x8073F6ac9A8fB8d6B181052c72B78DB2E107e408 Users can try out through the Buy links on our official website. **Website + whitepaper:** [**dai20.com**](http://dai20.com/) Happy to answer any technical questions.

Proud-Good-6200

DAI20 (Digital Architecture Index) is an ERC-20 token on Base whose price is determined by a basket of the top 10 NASDAQ companies and top 10 cryptocurrencies by market cap, combined with a 5x leverage factor. Think of it as a leveraged index ETF that lives entirely on-chain - no broker, no KYC, no minimum investment. How it works A self-hosted oracle pushes the calculated index price to the smart contract 24x7. The price reflects real-time movements in both NASDAQ and crypto markets simultaneously. **Current status** Contract verified on Base Mainnet $2.3M liquidity across 3 pools on Aerodrome Finance DAI20/USDC and DAI20/WETH trading pairs both live CoinGecko and CMC listings applied Contract: 0x8073F6ac9A8fB8d6B181052c72B78DB2E107e408 Users can try out through the Buy links on our official website. **Website + whitepaper:** [**dai20.com**](http://dai20.com/) Happy to answer any technical questions.

Proud-Good-6200

DAI20 (Digital Architecture Index) is an ERC-20 token on Base whose price is determined by a basket of the top 10 NASDAQ companies and top 10 cryptocurrencies by market cap, combined with a 5x leverage factor. Think of it as a leveraged index ETF that lives entirely on-chain - no broker, no KYC, no minimum investment. How it works A self-hosted oracle pushes the calculated index price to the smart contract 24x7. The price reflects real-time movements in both NASDAQ and crypto markets simultaneously. **Current status** Contract verified on Base Mainnet $2.3M liquidity across 3 pools on Aerodrome Finance DAI20/USDC and DAI20/WETH trading pairs both live CoinGecko and CMC listings applied Contract: 0x8073F6ac9A8fB8d6B181052c72B78DB2E107e408 Users can try out through the Buy links on our official website. **Website + whitepaper:** [**dai20.com**](http://dai20.com/) Happy to answer any technical questions.

Proud-Good-6200

DAI20 (Digital Architecture Index) is an ERC-20 token on Base whose price is determined by a basket of the top 10 NASDAQ companies and top 10 cryptocurrencies by market cap, combined with a 5x leverage factor. Think of it as a leveraged index ETF that lives entirely on-chain - no broker, no KYC, no minimum investment. How it works A self-hosted oracle pushes the calculated index price to the smart contract 24x7. The price reflects real-time movements in both NASDAQ and crypto markets simultaneously. **Current status** Contract verified on Base Mainnet $2.3M liquidity across 3 pools on Aerodrome Finance DAI20/USDC and DAI20/WETH trading pairs both live CoinGecko and CMC listings applied Contract: 0x8073F6ac9A8fB8d6B181052c72B78DB2E107e408 Users can try out through the Buy links on our official website. **Website + whitepaper:** [**dai20.com**](http://dai20.com/) Happy to answer any technical questions.

Proud-Good-6200

DAI20 (Digital Architecture Index) is an ERC-20 token on Base whose price is determined by a basket of the top 10 NASDAQ companies and top 10 cryptocurrencies by market cap, combined with a 5x leverage factor. Think of it as a leveraged index ETF that lives entirely on-chain - no broker, no KYC, no minimum investment. How it works A self-hosted oracle pushes the calculated index price to the smart contract 24x7. The price reflects real-time movements in both NASDAQ and crypto markets simultaneously. Current status Contract verified on Base Mainnet $2.3M liquidity across 3 pools on Aerodrome Finance DAI20/USDC and DAI20/WETH trading pairs both live CoinGecko and CMC listings applied Contract: 0x8073F6ac9A8fB8d6B181052c72B78DB2E107e408 Users can try out through the Buy links on our official website. Website + whitepaper: [dai20.com](http://dai20.com/) Happy to answer any technical questions.

Proud-Good-6200

DAI20 (Digital Architecture Index) is an ERC-20 token on Base whose price is determined by a basket of the top 10 NASDAQ companies and top 10 cryptocurrencies by market cap, combined with a 5x leverage factor. Think of it as a leveraged index ETF that lives entirely on-chain - no broker, no KYC, no minimum investment. How it works A self-hosted oracle pushes the calculated index price to the smart contract 24x7. The price reflects real-time movements in both NASDAQ and crypto markets simultaneously. Current status Contract verified on Base Mainnet $2.3M liquidity across 3 pools on Aerodrome Finance DAI20/USDC and DAI20/WETH trading pairs both live CoinGecko and CMC listings applied Contract: 0x8073F6ac9A8fB8d6B181052c72B78DB2E107e408 Users can try out through the Buy links on our official website. Website + whitepaper: [dai20.com](http://dai20.com/) Happy to answer any technical questions.

BrokenHefaistos

Converting it into ETF's for bigcap fintech so it can be integrated into saving fund is not what can be understood as adoption. Being able to spend it at the gas station is.

UrbanGrower187

**The $1B common and $1B preferred share repurchase authorizations** are also just authorizations. Companies frequently approve buyback programs that are executed over months or years or only partially used. Given everything with ETF inflows, institutional adoption, and corporate treasury demand I still think the bigger drivers of Bitcoin over the next 12–24 months are those broader capital flows rather than whether Strategy buys slightly less in a given quarter.

NRA4579

Last cycle I bought the five or six top publicly traded bitcoin mining companies Iren was the big winner out of all of those since they transitioned early to AI compute. This cycle now that there’s the bi bitcoin ETF i’m eliminating all the third-party risk and I’m just transitioning into Ibit leaps. By the end of the year, I should have at least 500 of those at a conservative Delta That probably makes $10-$15,000 of premium a week once bitcoin switches to the bull cycle that same conservative delta will pay incrementally more over the next three years and I’ll buy more leaps. I know this is all heresy on this sub but it doesn’t make it untrue. I’ve been to the conventions. I’ve met Michael sailor. I’ve owned multiple bitcoins and I’ve used that conviction and knowledge of the asset to retire at 48. Have all my kids in private school and I spend all my time doing things I like with people I want to be around. It’s just a simple poor man’s covered cost strategy, but geared around the bitcoin cycle.

ReallyOrdinaryMan

He doesn't buy. People buying bitmine ETF/stock, and company buys coin with the money coming from those sales.

Roadrunner44143

Unpopular opinion, but I put only 2% of my monthly income into bitcoin, compared to around 25% that goes into an all world ETF. I just want to have some exposure to crypto bc, in my opinion, it is not clear to me that it will not become obsolete at some point

AutoModerator

Post is by: AIautoagent1 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1uiyf1z/are_accelerating_cbdcs_and_dedollarization/ The most important monetary story right now isn’t an ETF or halving — it’s that CBDCs have quietly moved from “white paper” to “live infrastructure” in a handful of key economies. If you zoom out using the Atlantic Council CBDC tracker, the map is getting crowded: over 130 countries are exploring CBDCs, and we now have multiple fully launched projects (Bahamas, Jamaica, Nigeria) plus large-scale pilots in China (e-CNY), India (wholesale + retail pilots), and the euro area gearing up for its next phase. The IMF is literally running training programs on “macro‑financial implications of CBDCs,” and the BIS/WEF crowd are treating this as the next layer of the global monetary system, not a side experiment. In parallel, you’ve got real de-dollarization chatter: BRICS discussing alternative settlement, more bilateral trade in local currencies, and a world where cross‑border CBDC rails could eventually bypass the traditional dollar‑centric correspondent banking system. For crypto, I don’t see CBDCs as competitors to Bitcoin or stablecoins in any meaningful way; they’re competitors to bank deposits and cash. A CBDC is just a more programmable, more surveillable liability of the same central banks that have been running negative real rates and serial QE. If anything, the stronger the push toward tightly controlled digital fiat, the clearer the contrast with permissionless, bearer assets like BTC. At the same time, institutional adoption is aligning around this: US spot BTC ETFs, publicly traded miners, sovereign wealth funds and RIA platforms slowly onboarding. The macro backdrop is still structural fiscal deficits, high debt-to-GDP, and a political bias toward financial repression rather than explicit austerity. That’s supportive for scarce, non-sovereign collateral. My response is pretty simple: with CBDCs accelerating, I keep everything off exchanges in self-custody on a Ledger — the whole point of crypto is the exit: https://shop.ledger.com/?r=earning-hq&utm_source=reddit&utm_medium=social&utm_campaign=cbdc&utm_content=ledger and I use Coinbase for regulated exposure and fiat on/off in the US since it’s the most compliant ramp: https://coinbase.com/join/earning-hq?utm_source=reddit&utm_medium=social&utm_campaign=cbdc&utm_content=coinbase Curious how everyone here is actually pricing CBDC risk: Are you increasing BTC/stablecoin allocation as a hedge, rotating into more private L1s, or just assuming CBDCs will be slow and clunky like every other public-sector IT project? Ledger and Coinbase links are affiliate links. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

AutoModerator

Post is by: Direct_Band896 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1uiwkc5/the_13day_etf_outflow_streak_finally_broke_dip/ The spot ETF outflow streak ended at thirteen days on June 3, with $4.33 billion total leaving since mid-May. Then on June 12 we got a $145 million inflow day. The question is whether this is the start of a reversal or just a short covering rally before the next leg down. I pulled BTC funding rate data from Coinglass and a couple of exchanges I use to get a wider view. On BYDFi the funding hit around 0.01% when the inflow showed up on June 12. In real breakout scenarios in January and April, funding spiked above 0.06% within 48 hours of the first inflow day. The current level suggests this is more repositioning than new leveraged demand. OI is saying the same thing. Total perp OI for BTC is down roughly twelve percent from the May high. In January, OI grew into the breakout. In April, it stayed flat but did not drop. Now we are seeing lower OI combined with neutral funding, which usually means shorts are covering into weakness rather than longs piling in. The other thing that makes me cautious is the ETF flow composition. The June 12 inflow was mostly into BlackRock's IBIT, but FBTC and Ark's ETF still saw small outflows. That is not broad-based buying. It is one or two large allocators rotating, which can reverse just as fast. I am not short here but I am not adding size either. Waiting for either a second consecutive inflow week or funding to actually spike before calling this a bottom. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

East-Day-7888

Nearly all of their bitcoin was acquired prior to ETF. The thing people do not understand is ETF was only required to offer it into public 401k accessed accounts. Accredited and institutional investors could buy btc the whole time. Whats more is the vast majority of the reason the price ever even broke 80k is because institutions priced it up there to rug on previously hard to access public liquidity. Everyone holding btc is being rugged by institutions. If you want my honest opinion, find a decent alt. Because its all a side ways ride for btc between 30 and 100k from here on out. Its high risk no reward. Atleast an alt has. A chance to go up by finding real utility not just store of value. -not finciancal advice-

whisperedstate

If you bought MSTR at $14, then you bought it in August of 2020, at which time BTC was trading around 10k. To match BTC's return (6x), you'd need to have bought under $14, around $13.50. So you actually made out worse than if you just bought BTC. The tax advantaged situation I have no idea about. In my country, you can buy any ETF in a tax advantaged account.

GeoSystemsDeveloper

**Daily crypto TL;DR:** * ⚠️ Bitcoin plunged to $59K with over $1 billion in crypto liquidations due to ETF outflows and sales. * ⚠️ The Crypto Fear & Greed Index is at 18, signaling "Extreme Fear" among investors. * ⚠️ Expectations of prolonged high US interest rates, a stronger US dollar, and persistent inflation continue to suppress crypto and other risk assets. * ℹ️ US-Iran escalation near the Strait of Hormuz adds geopolitical risk, though crypto markets have remained mixed. *News summary from the* [*HODLings app*](https://www.geosystemsdev.com/products/hodlings/)*.*

M4roon

My goal is to escape the rat race. I would absolutely sell it, park it in an ETF and spend the rest of my days drinking coffee, gaming, working out, reading on beaches, and drinking whiskey twice a week lol. People are making it really complex, but interest on 1 million is enough to retire well where I live (and many many other 1st world countries). And I mean upper middle class with a 4% drawdown and infinite growth in a stable ETF. If you're not willing to even sell a quarter of your bag for that stabillity, I dunno what you're doing dude lol.

Backrus

Look at MSOS chart, that's what usually happens post ETF.

AncestorFlat

In Fidelity, I sold IBIT ETF for a loss and bought back BTC ETF. Fidelity didn't flag it as wash sale.

MAX1_1e6_2

Do you have other sources for that down payment? If can you still afford the home if Bitcoin goes down further? Bitcoin is money and money is meant to be spent. If purchasing a home is meaningful and desirable to you and your family, you do it. It is impossible to predict the future of the market. Bitcoin will always come back up greater than before, but do you have enough capital to afford increased housing prices at that point? I am in a similar situation with no offers made yet due to VHCOL. I sold my entire stack at only moderate, not life changing gains, due to the bear market, because if the bear market goes down further, I wouldn't be able to purchase a home for much more time, at least until it goes back up, which may take years. BTC was primarily my entire post-tax pile of capital, so it had to be done I luckily (or unluckily) am not 100% BTC, as I still have traditional S&P500 ETFs in my retirement accounts, so what I did was I just sold an equivalent amount of my ETFs and purchased an equivalent amount of paper Bitcoin via the Bitcoin ETF.

MaximeRoy1977

While you wait for the next bull run ... Ease the pain \-> **BATS** T-Rex 2X Inverse Bitcoin Daily Target ETF \-> **MSTZ** SavvyShort (-2X) MSTR ETF

RomeroQuant

You are thinking exactly like the model. Section 3.4 of the paper addresses this 'ETF structural break'. Institutional flows should cushion the bear market, which is why the framework projects a much shallower drawdown than prior cycles, setting a macro floor between $35k and $45k.

slickrick_27

Yeah I definitely don’t think it’s going to be 1M or anything crazy by then. It just seems with increased adoption, ETF exposure, country reserves, etc it should be higher. Maybe in the 300s?

NoBrosCrypto

Was looking at this earlier today. ETF money flow nets out to approx. $53B inflows since the ETFs began in 2024 and $30B net inflow in the last 12 months. That’s after accounting for all the outflows. Follow the money. Ignore the noise.

Nice_Material_2436

Where exchanges didn't have to worry too much about people withdrawing real money, they now they have to take ETFs into account. It's much riskier to pump the price and try to induce a bullrun when ETF sellers can demand real dollars at any moment without a way to stall or block accounts. So yea don't get your hopes up for another bullrun based on monopoly money.

_Stylite

The idea that Clarity Act passes and suddenly the next year there will be billions in inflows from banks and monry managers with fiduciary dity is a pipe dream and there is no reason to believe that. There is literally nothing stopping any ofmthe parties you mentioned from buying BTC derivatives, ETFs, commodities contracts and pegging a client’s portfolio to BTC to any degree, other than the market risk of the investment. What do you think stops any of those funds from riding BTC investment through other vehicles? BTC ETF’s are already here my friend, and ETFs are the preferred vehicle for all money managers under fiduciary duty. Once ahaincyou have demonstrated thet you have no idea what you are talking about. And btw banks avoid BTC because it’s their competition, and also too risky. Nothing to do with regulation or compliance at all

UrbanGrower187

Coca-Cola isn’t a comparable example because its supply isn’t fixed, it isn’t a monetary network, and it doesn’t have the same adoption dynamics. My thesis isn’t “Bitcoin went up before so it’ll go up again.” It’s that Bitcoin’s fundamentals today scarcity, institutional demand, ETF inflows, and growing global adoption support a bullish outlook. Historical returns are just context, not the thesis. And saying BTC could go to $100 or $1,000,000 isn’t a useful investment thesis every asset has upside and downside. The question is which outcome is more probable based on the available evidence.

UrbanGrower187

That’s fair if you’re evaluating Bitcoin as a mature asset instead of a startup network. But even over the last 3–5 years it has outperformed most major asset classes despite surviving a 70%+ bear market, multiple regulatory crackdowns, and now trading as an institutional asset. The question isn’t whether the CAGR will match its first 15 years. it almost certainly won’t. The question is whether adoption, ETF inflows, sovereign accumulation, and a fixed 21 million supply continue to drive demand faster than supply. That’s a very different argument than saying its best days are behind it.

Financial-Gap-6767

Convert my coin to ETF in a tax free account

LevelZero_Project

I feel you on that psychological grind. The slow bleed is honestly way worse than a 30% daily red candle. A flash crash rips the band-aid off and gives us that volume climax we all want to buy. This slow chop just drains your sanity. The reason this cycle doesn't rhyme with the old ones and lacks that "violent puke" capitulation is exactly because of the ETFs and the Wall Street money you mentioned. The market structure fundamentally changed. We aren't just dealing with retail degens getting liquidated on 100x leverage anymore. We're dealing with institutional algorithmic unwinding and capital rotating into AI stocks. That doesn't happen in one massive red candle; it happens in a slow, agonizing multi-month distribution. As for the two camps: 42-44k is definitely the max-pain scenario. If liquidity keeps flowing into tech/AI and the ETF outflows persist, we could easily grind down to the low 40s to flush out the absolute last drop of retail hope. BUT, waiting for it is a dangerous game because right now, everyone and their mother is placing limit orders in the 40s expecting the obvious play. The market rarely gives the masses exactly what they are waiting for. Honestly, sitting on your hands isn't the worst play here if you're already positioned. But if you're sitting on dry powder, trying to snipe the exact bottom usually just leads to getting left behind when things randomly reverse. This is exactly the kind of boring, soul-crushing sideways action where the only real defense is a blind, automated DCA. Turn off the charts, let the auto-buys trigger, and go outside. The chop is designed to make you make a mistake. Don't let it win.

tgreen0504

I just genuinely don’t understand why care about what other ppl are investing in lol. Like, I am not a dividend investor. I primarily invest in broad market ETF’s….but you won’t see me on a dividend investing page trying to give “thought experiments” to ppl lol. Live your life. Why worry about other ppls money? Weird to me bro

ProtectionMoney9176

Tough macro environment right now 👀 Rate hike fears + ETF outflows = short term pain but historically these periods create the best long term entry points The Clarity Act delay is frustrating though regulatory clarity would be a massive catalyst.

Laukess

Sounds like you're making the assumption that this sub-reddit is an accurate representation of the community. I think this place is mostly frequented by bitcoiners and shitcoiners that have only been into bitcoin for a year or 2. This place is mostly noise, and I think most people move on to places with more signal, when they realize they wont find it here. I also don't agree that people have to understand bitcoin for it to succeed. We're still fairly early in the adoption phase, so it's all a bit hazy at the moment, but I think as adoption increase (might be for investments reasons for some time to come), the price will increase, and stabilize, and I think we'll see more normies adopt it. It's a bit extreme, but you see countries like El Salvador where they moved from their own currency to the USD for stability. We might see normies in 20-30 years use bitcoin because they can see that it's the stronger currency. Now, the road to global adoption is long and unclear. I don't know the exact steps we'll have to go through partially because the future in uncertain. We might also get to a point where banks will custody your bitcoin, and you'll be able to use it the exact same way as they use fiat today (including chargebacks and the likes). They'll obviously still get the upside from the issuarance cap, but will lose out on a lot of the other powerful properties of bitcoin. Think of it as a bitcoin standard, like the gold standard where paper might be backed by bitcoin instead of gold. This will allow the normies to use bitcoin as just another currency, but people who understand the power of bitcoin can self custody, and get all the benefits. The adoption of ETF's are a bit worrisome though. Maybe they'll have to get burned to understand the power of self custody. I think that's my biggest worry right now, a future where 99% of the bitcoin is custodied by a 3rd party would be a wasted oppotunity, but it would still be better than what we have today, and we can force people to use bitcoin the way we think they should, but we can try to educate them. Cheers

morerepsmoreproblems

I’ve got into the stock market back in October and have been buying ETF since then. Much better move not going to 100x your money overnight, but it’s very nice to open the portfolio and never see it lose value

coindigest

Your "doesn't rhyme" instinct is the sharpest thing in here, and I think there's a real reason for it. The violent puke we used to get came from over-leveraged retail and miners all getting force-liquidated in a cluster. A lot of the marginal flow now runs through ETFs and slower institutional hands that rebalance gradually instead of panic-dumping into one wick. So you get this grind-lower attrition instead of a single clean capitulation candle. Waiting for a 2018 or 2022 style flush might be waiting for a signal this market structure just doesn't really produce anymore. Which kind of flips it: the boredom might BE the capitulation this time, just the time-based version. "Everyone's scared but nobody's given up" dragging on for months is its own form of giving up, people leave quietly instead of nuking the bottom in a day. Almost worse psychologically, like you said. On an actual number, anyone handing you a confident one is guessing, me included. The 42-44k camp is leaning on ETF outflows and the AI-stock rotation, the 55-58k camp is betting the bid holds. Both reasonable. I'd watch the flows and whether dips keep making higher lows way more than any single level. And honestly "not selling, not buying, sitting on my hands" is a totally defensible spot. For most people on a long enough horizon, just keeping a steady stack through the chop beats trying to nail the exact bottom. Sometimes no move is the move.

coindigest

Honest take: the four-year cycle was never magic, it was three things stacking, the halving supply shock, retail FOMO, and leverage blowing up on a rough timer. The reason it might genuinely be breaking is that the halving matters less every single time. The block reward is now tiny next to the coins already in circulation, so the "supply shock" is mathematically weaker each cycle while ETF and institutional flows have become the thing actually moving price. Those flows don't run on a four-year clock, they run on macro liquidity and allocation decisions. So I'd push back gently on the framing: "cycle is dead" doesn't automatically mean "up only with alts pumping." It more likely means longer, choppier, macro-driven moves instead of the clean parabola-then-crash we got used to. Which lines up with what a lot of people are feeling, that this stretch doesn't rhyme with the old ones. On the alt pump specifically, I'd temper that. Liquidity is now spread across thousands of tokens and ETFs are funnelling flow into BTC and ETH, so a broad 2021-style alt season is structurally harder to pull off than it used to be. Could still happen in pockets, but "everything pumps" is a tougher ask now. Nobody actually knows, including me. But if the old clock is breaking, the move is to stop watching the calendar and start watching liquidity and flows. That's the signal that's actually driving this thing now.

coindigest

Your instinct that this cycle "doesn't rhyme" is the sharpest thing in the post, and I think there's a real structural reason for it. The violent puke we used to get came from over-leveraged retail and miners all getting force-liquidated at once. A lot of the marginal flow now runs through ETFs and slower institutional hands that rebalance gradually instead of panic-dumping. So you get this grind-lower attrition instead of one cathartic flush. Waiting for a 2018 or 2022 style capitulation candle might be waiting for a signal this new market structure just doesn't really produce anymore. Which kind of means the boredom IS the capitulation this time, just the time-based, bleed-people-out version rather than the price-based one. "Everyone's scared but nobody's given up" dragging on for months is its own form of giving up, people just leave quietly instead of nuking the bottom in a single candle. On levels, nobody has a real edge on the exact number and anyone handing you a confident one is guessing. The 42-44k camp is leaning on the ETF outflows and the AI-stock rotation, the 55-58k camp is betting the bid holds, and both are reasonable reads. I'd watch the flows and whether bounces keep making higher lows way more than any single price. Honestly "not selling, not buying, sitting on my hands" is a totally defensible spot right now and probably beats trying to be a hero in either direction. Sometimes the move is no move.

TheresNoSecondBest

Perhaps you need to read this, mate: Congrats on the move, it's never too late, [despite new people thinking otherwise](https://old.reddit.com/r/Bitcoin/comments/rskpuf/i_have_only_600_bitcoinsi_missed_the_bus/). ONLY INVEST MONEY YOU CAN AFFORD TO LOSE. Invest in your knowledge, learn about Bitcoin as much as you can. The Bitcoin Standard book is a must read. So is Broken Money by Lyn Alden. Also, **don't reply any DMs**, emails, private messages on other social media, promising to buy Bitcoin from them or get rich quick by investing into some website. They all are scammers. Even the hot Asian chick, he's a scammer too. **Price wise, nobody knows what the price will be tomorrow, next week or at the end of the year.** **Try "Bitcoin ONLY" strategy for at least the first 210,000 block cycle**, you'll sleep much better. Newcomers lose so much money, holding tokens just because someone on YT told them to. If you don't like losing money in [failed coins](https://www.coingecko.com/research/publications/how-many-cryptocurrencies-failed), avoid. DCA is probably the best approach. Once a week works best for me, but I'm getting paid weekly. This [DCA calculator](https://21vox.com/dca-calculator) might help to decide what will work best for you. In a few years, even $10 dollars a month can make a massive difference. This [DCA blog](https://er-bybitcoin.com/) is pretty interesting too and compares buying bitcoin VS stocks. Now, don't buy some fake bitcoin at a spot ETF place or similar, **get the real thing** that you can withdraw anytime you want. Register at a proper exchange and buy real Bitcoin. Any of these will do [https://bitcoin-only.com/get-bitcoin](https://bitcoin-only.com/get-bitcoin) Install (or buy - in case you're getting Bitcoin in Thousands of $) one or more of these wallets. **A few good wallet choices:** [https://blockstream.com/app/](https://blockstream.com/app/) \- Top Security Features, Open Source and Non-Custodial [https://bluewallet.io](https://bluewallet.io/) \- excellent, easy to use wallet, Open Source and Non-Custodial [https://www.sparrowwallet.com](https://www.sparrowwallet.com) - top desktop wallet [https://electrum.org](https://electrum.org/) \- Solid choice, Open Source and Non-Custodial, one of the oldest and most trusted Bitcoin Wallets. I prefer the desktop version but it works on mobile too. **Lightning wallets** to consider (cheaper and faster transactions, great for small amounts): [https://phoenix.acinq.co/](https://phoenix.acinq.co/) \- Phoenix - very good wallet, uses Tor for extra privacy, easy for anyone new [https://blixtwallet.github.io/](https://blixtwallet.github.io/) \- Blixt - great UI, fast and clean. The app runs a full LND node on your phone and you have the ability to easily open channels to whatever nodes you like. [https://zeusln.com/](https://zeusln.com/) Zeus - impressive wallet with many features, can even generate Nostr keys [https://breez.technology](https://breez.technology/) \- Breez - excellent POS for small business owners as well as integrated Bitrefill Note: Breez does also a hybrid liquid/LN wallet called Misty Breez - the sats being on liquid means no need for channels although the payments take a few extra seconds. You'll also can get a free customable LN address. While talking about hybrid wallets, there's also Aqua Wallet although not IMHO as good as Misty Breez. There are also custodial LN wallet but I would honestly avoid using them because you have to trust the wallet operator not to steal your money. Their only advantage is that they are incredibly easy to use, although it might cost you big one day. To keep up to date with spending wallets, visit r/TheLightningNetwork at least once a while and perhaps r/RGB in the future. **Hardware Wallets** (to store larger amounts): [Trezor](https://trezor.io/) \- Easy to use, no matter how new in Bitcoin you're. If you can afford it, opt for Safe 7 (air-gapped) and use the Bitcoin only firmware as it's safer than a multi coin software. [ColdCard](https://coldcardwallet.com/) - air gapped, Bitcoin only, has advanced features but a new user will do fine with one of the great tutorials available. [BitBox02](https://bitbox.swiss/bitbox02/bitcoin-only/) - another great little device, opt for the more secure Bitcoin ONLY version (less coins = less code = less chance for a hidden bug or a backdoor). Sadly, this device is not air-gapped. [Jade](https://blockstream.com/jade) - air gapped, fully open source, Bitcoin only, great features. There's a newer version called Jade Plus, it has much better camera and overall is a better, although a bit more expensive, option. You can even [build it on your own](https://github.com/Blockstream/jade/), if you feel adventurous. [Seedsigner](https://github.com/SeedSigner/seedsigner) - another DIY, fully open source, air gapped, Bitcoin only hardware wallet, not for you if you're just starting up but something to consider later. [Krux wallet](https://selfcustody.github.io/krux/) - one more DIY hardware device, I love this one for many reasons. Similar to Seedsigner, it's fully open source, air gapped, Bitcoin only hardware wallet, that is not for you right now if you're just starting up, but something to consider at a later stage and/or to up the security of your bitcoin. There's also Ledger, but I wouldn't recommend it as it's not fully open source, keep and already leaked customers' details, recently said they're capable of sending customers' keys out just with a firmware update, making is an expensive hot wallet. The opposite of what you want from a cold wallet. **Stay away**, save yourself a headache in the future. The same goes for many other hardware wallets that are too new or filled with too much of unnecessary shitcoin code. Stay away. Whatever wallet you'll decide to buy, purchase DIRECTLY from the manufacturer, no eBay, no Amazon. Make sure the device is NOT preset, and you will generate your own seed words. Write them down on any piece of paper as well as the receiving address. Now wipe the wallet and generate a new wallet. If the seed words are different from the first set, you're safe to use it. Find an option to set a passphrase and use it. This will boost the security to another level. Never store the seed words and passphrase together. Use a different medium if possible. If somebody finds both, they'll be able to steal your coin. This little device will hold the keys to your money, that's the reason why you have to be a bit more careful. Also, no worries, if it breaks, you can replace it - as long as you keep your seed words and passphrase(s) safe. Welcome to the rabbit hole and don't hesitate to ask if you have any questions anytime during your Bitcoin journey. Also, [check the sidebar](https://www.reddit.com/r/Bitcoin/about) that's filled with lots of great info and if you have any questions, visit r/BitcoinBeginners or r/Bitcoin and look for the answers.

CryptoAnarchyst

If you believe that Bitcoin can continue after failure of Strategy, especially after this administration's antics within the crypto sector, then you are a much more naive person than anyone I know. FTX collapse nearly killed crypto and if it wasn't for people like Tom Lee and Michael Saylor, who championed the theory that Bitcoin can be used in a business model, we would not be anywhere close to where we are now. Firstly, we wouldn't have had the ETFs in place, which Michael Saylor was instrumental in assisting with the framework for the iBIT ETF (Fink has always been vocal about Saylor's assistance and continued partnership). Saylor doing what he did with Strategy is what finally drove Fink to apply for the iBIT ETF and push the approval through. Secondly, if the Strategy model fails, then so does any business case use. "JUST HODL" is a great mantra for retail people, but there is no market for Bitcoin in business and institutional world. Insurance agencies can't hold it on the books because they can't lend against it, so it is a useless asset to them. Pension funds can't hold it, nor can they hold iBIT stock in many cases. Sovereign funds are not going to touch it in current form because without strong business use there is no path towards fast adoption. That means that any hope of institutional investment in the next decade or two is gone... and it also means that the money that is in it right now will rotate elsewhere. Three, if Strategy fails, it will bring down significant regulatory restrictions from the Government. Trump has politicized Bitcoin, and that is not a good thing. Having Strategy fail means Clarity Act will be scrapped, and a new more strict version will come out. Probably something akin to what EU is doing right now. That means that not only there will be no business case use, but there will be no retail case use. Your logic assumes "everything as is" but you fail to understand that the markets will not wait for "but this is better digital money" argument. Liquidity will rotate into something new that can make them more money, plain and simple. You've seen that with AI, and the creation of the massive bubble we are in. But if Strategy fails, the Elizabeth Warrens of the world will have enough ammo to gain public support and kill any hope of future crypto growth in the US. FTX set us back years, Strategy will set us back decades if it fails.... the 900K coins hitting the market might be absorbable, but not the 4Million+ tokens which are going to be hitting the market from ETFs and retail... and if miners rotate out, and utilize their data center infrastructure for AI, then you really have nothing left. Be careful for what you wish for... Wanting Strategy to fail is wanting Bitcoin to fail... plain and simple. You can rationalize your hate any way you want but facts are simple, the only reason why FTX didn't do as much damage to crypto in the US is because it was predominantly operating in Bahamas. If it was a US based business, current situation would have been much much more dire.

LuckyWinds

> Why does it matter if it’s a third party? I literally could not care less. You might not care that you are completely reliant on third party businesses to facilitate practically every single transaction for you, others find issue with that. And transactions are just 1 use case of many. Not every use case will be applicate to every single person in the world and for every single instance. So of course some use cases (or even all use cases) will not be applicable to you. That's fine. > It’s just extremely niche The bitcoin ETFs were the fastest growing ETFs of all time. IBIT is Blackrock's most profitable ETF. So the worlds largest asset manager's most profitable ETF is...bitcoin. There are 37 bitcoin ETFs out there. Most major financial institutions offer bitcoin products. Bitcoin is one of the largest assets in the world. How is that "niche"? Bitcoin is pretty mainstream at this point.

Infamous_Mechanic356

But the outflow hurts.....lol[ETF outflow](https://www.cnbc.com/2026/06/25/bitcoin-etfs-see-record-investor-flight-as-the-cryptocurrency-hits-new-2024-lows.html)

AncestorFlat

If you are so certain Bitcoin will keep dropping, you should short it with an inverse ETF to profit—but I doubt you actually have the confidence to make that bet.

devCheckingIn

It's just a vehicle for increasing BTC exposure. That means MSTR goes up more than BTC in bull markets and down more in bear markets. An ETF will only give you 1-to-1 exposure to BTC whereas MSTR is accretive, increasing BTC per share by purchasing BTC with stock issuance.

AutoModerator

Post is by: AIautoagent1 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1ugcog4/are_accelerating_cbdc_pilots_changing_how_we/ The part that should have every crypto holder paying attention right now isn’t price action — it’s how quickly CBDC pilots are moving from “theoretical” to “live infrastructure” in the world’s biggest economies. If you look at the Atlantic Council CBDC tracker and recent central bank comms, we’re past the experimentation phase. China’s e-CNY is already in large-scale pilot with cross-border tests, the ECB is in the “preparation phase” for a digital euro, India is expanding both wholesale and retail pilots, and over 20 G20 members are in advanced stages. The BIS has multiple cross-border CBDC projects (mBridge, Dunbar, Icebreaker) explicitly aimed at reducing frictions in dollar-based settlement. The Fed is lagging on a retail CBDC but is clearly building rails (FedNow) and running ongoing research; meanwhile, Congress is debating the policy issues, not the existence of a digital dollar per se. This isn’t conspiracy — it’s public policy architecture for the next monetary regime. Macro-wise, this intersects directly with de-dollarization chatter and institutional Bitcoin adoption. A small group of countries are openly exploring CBDCs as a way to reduce dependence on the US-centric system and SWIFT, while the US leans on sanctions more aggressively. At the same time, US institutions are normalizing BTC exposure via ETFs and regulated custodians. My read: CBDCs centralize control over payment rails and data, while BTC/crypto become the parallel, non-sovereign collateral layer. CBDCs can absolutely crowd out weaker private stablecoins, but they also legitimize “digital bearer assets” as a category. In a world of programmable, surveilled fiat, the argument for a censorship-resistant, supply-capped asset like BTC only gets stronger, especially if fiscal dominance keeps pushing real yields negative over the long term. Positioning-wise, I assume CBDCs are coming in some form. That makes self-custody non-negotiable for me: with CBDCs accelerating, I keep everything off exchanges in self-custody on a Ledger — the whole point of crypto is the exit: https://shop.ledger.com/?r=earning-hq&utm_source=reddit&utm_medium=social&utm_campaign=cbdc&utm_content=ledger. For regulated on-ramps and ETF exposure, I still think Coinbase is the most compliant US ramp: https://coinbase.com/join/earning-hq?utm_source=reddit&utm_medium=social&utm_campaign=cbdc&utm_content=coinbase. I treat CBDC risk like a slow-moving regulatory and technological regime shift, not an overnight ban — so I’m overweight BTC, careful with KYC trails, and I assume capital controls can tighten in the next crisis. Curious how everyone else here is modeling CBDCs in their portfolio construction. Are you adjusting your mix between BTC, stables, and alts, or treating this as noise until we see real retail rollout in the US/EU? Ledger and Coinbase links are affiliate links. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Street-Technology-93

I’m not sure how much time y’all have for Reddit, but I am consistently surprised by the number of comments from people that claim they don’t buy bitcoin ever and are only in S&P or other ETF or stock, and relish that they do not have to pay attention to this useless fraudulent internet money, yet also follow this subreddit and read all comments, then take time to respond. I mean, you either care or you do not. Sounds like a lot of bullshit on the lack of care about bitcoin.

C0Y0T3Z

Pretty solid and sound approach. Removing the gambling aspect ensures you are never surprised at outcome. Any thoughts on a fairly new ETF called EUV?

Subject-Chest-8343

Well, the 70% drawdown is commonly cited as a trend continuation... As in we had 80% in 2018, 75% in 2022, so now we should have 70%. But the bull run was much shorter this time, so only a 50-55% drawdown would make sense. I know bear market usually lasts until end of year, and given the current sentiment, it wouldn't be surprising. But it doesn't necessarily mean we go much lower, we could go sideways. IDK, we're still roughly at the 200wma, and looking at the order book, looks like buyers are going to be lined up well before we approach the 40's. It honestly looks like much of the current selling is ETF holders capitulating to rotate into AI stocks, but bitcoin whales are lining up to catch the dip. IMO, the way history could repeat itself would be a stock market crash at the end of the year like in 2018. I could see that happening if Iran war escalates and/or AI bubble pops. Then there could be people forced to sell their bitcoin, but so many people are waiting to buy the dip in october, that I really wonder how deep it could go.