FX

coinfeeds-bot

tldr; Robinhood Markets Inc. has tokenized nearly 500 U.S. stocks and ETFs on the Arbitrum blockchain, targeting European Union users. This initiative allows 24-hour trading of synthetic assets mirroring U.S. securities, compliant with MiFID II regulations, with a low FX fee and €1 minimum investment. The platform's tokenization efforts align with its broader crypto strategy, including acquisitions, micro futures for cryptocurrencies, and advocacy for a unified U.S. tokenization framework, aiming to expand access to global markets. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

rgnet1

>My biggest lack of understanding is not how to get money in, but how to get money out how do I get back to fiat cash. It seems so complicated. Um? Go to Coinbase. Link bank account. Deposit $100 by ACH. You now have $100 in your Coinbase account. Place market order for $100 worth of bitcoin. You now own bitcoin, albeit it's in Coinbase's custody. Just like Etrade has custody of your stock in Tesla. Now place market order to sell all your bitcoin. Assuming no big price movement, and after fees and spread, you will probably have $97 cash in your account. Withdraw $97 by ACH back to your bank. I'm glad to add one lesson to your 25 years of experience on EXIT STRATEGY. I'd say it goes without saying, but with you that's probably not true, you would be incredibly stupid to buy and sell immediately. Just like with any stock, FX, or other instrument - you instantly lose value on fees. Also, the fee example for Coinbase can be mitigated heavily by doing maker-only trades directly on their order book.

ryryrocco

Property Price in Bitcoin at All Time Lows https://share.google/uLQ1z4NHVp9FX1bt1

ryryrocco

Property Price in Bitcoin at All Time Lows https://share.google/uLQ1z4NHVp9FX1bt1

infinit3_err0r

Some institutional derisking this last week treasuries were super bid today 10y back below 4 and a lot of leverage gets flushed out of the market. Still no reason not to be bullish on bitcoin. My first boss who taught me to trade FX would always say remember things never go one way. Keep your DCA gotta buy the dips for everything to work out especially during these technical sell offs. The debasement trade is more in the spotlight than ever and this is really the moment bitcoiners have been waiting for. Also trump owns a billion bucks you know he’s going to do anything he can to keep gas in this market during his presidency. 

coinfeeds-bot

tldr; Central banks are increasingly turning to gold as a monetary policy anchor, with record purchases from 2022-2024 driven by countries like China, Turkey, and Poland. This trend reflects a desire for financial autonomy amid sanctions risks and FX volatility. Gold supply remains constrained due to plateaued mine output and refining bottlenecks. Tokenized gold, valued at $1.5 billion by 2024, offers transparency and accessibility, potentially reshaping financial systems. Policymakers and institutions are urged to integrate gold strategically as programmable working capital in a fragmented global economy. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Natural-Heat-7010

I never deal crypto. But from my experience in FX and stocks, your chart is suggesting a disaster.

Background_Event4584

I’ve been doing that on **AvaTrade**. It’s not ideal for high-frequency crypto trading, but for swing trades it’s great. I can monitor BTC and FX pairs from one place without juggling exchanges.

HeadtouristYoutube

I split them completely. I run my FX/crypto trades on AvaTrade, while stocks stay in my long-term account. It keeps my decision-making cleaner and helps avoid burnout.

Affectionate-Lie6644

Scammers always have a good background story to tell you to make you invest in their platforms. I lost over 260k to FX TRADE I was confused in life and thought i have lost it all until my friend told me about COIN HACK I reached out to COIN HACK and they helped me get my money back within 24 hours. So, If you have ever been scammed or you know someone that has been scammed, coinhackrecovery@gmail. com will get the money back. They are a recovery team that specialize in funds recovery and they are very reliable.

SeaworthinessFast161

I don’t like being leveraged in currency trading, whether FX or crypto. Currencies don’t have the same “safety” as equities, although those are pretty volatile too. My main thinking is that with equities, you can predict share price using certain catalysts - releases, announcements, partnerships, earnings etc. not trying to rub your nose in it - you took a risk, and this one just didn’t work out. No worries. But I think just DCA for BTC, personally.

juniz

That vision is already close. I use Ready, an onchain neobank with a self-custody metal card that spends USDC, no FX worldwide, up to 10% cashback during boosts, and BTC 7% and ETH 2.6% staking. They're doing all this while maintaining self-custody... something Coinbase will struggle to achieve.

juniz

I’ve been loving Ready’s metal card. Self-custody, spends USDC, no FX fees worldwide, and up to 10% cashback with boosts. Also no transaction fees and one-click DeFi. Perfect for holding and spending digital dollars.

No-Airline-9672

Nice, I actually used Fly Fairly to book with BTC too.. worked smoothly! As for on-the-ground stuff in Southeast Asia, here are a few crypto tips I picked up: * Thailand: Bitrefill works great if you need mobile top-ups or Airbnb gift cards. Some cafes and hostels in Chiang Mai are crypto-friendly too. * Vietnam: Not super crypto-forward, but you *can* use things like Binance P2P if needed to swap to local currency quickly. * Malaysia: Gonna be mostly fiat, but I’ve seen some GrabPay hacks using prepaid crypto cards. Also worth grabbing a card like [**Crypto.com**](http://Crypto.com) or **Wirex \~** lets you tap to pay with crypto balance, even if the shop doesn’t accept BTC directly. Just be mindful of fees and FX rates. Safe travels and hope you stack more sats than you spend!

Still-Combination717

Damn, taxing you on FX gains is daylight robbery. Kraken might work, but check fees and region rules before wiring. Gemini is similar—good if your bank clears it. Cheers Buddy! Give it a try.

Still-Combination717

Honestly, I feel your pain. Gov takes 40–60% and calls it “gains” just because of FX? That’s robbery. Short-term: try using stablecoins (USDT/USDC) through something like Kraken or Gemini—they’re better with wires. Long-term: check out projects like **Digitap-Presale ($Tap Presale)**. They’re building an app that blends fiat + crypto so you don’t need five middlemen to move money. Exactly the kind of tool that would’ve saved you here. Let me know your thoughts on this!

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Post is by: ig_hawkeye_op and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1nwq1k5/managing_fx_crypto_in_one_account/ I want one platform for both FX and crypto. Worth it or should I split? I want one platform for both FX and crypto. Worth it or should I split? *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.*

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Post is by: Miserable_Concern670 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1nwpkk2/forex_broker_vs_crypto_exchange_swing_trading_btc/ I prefer managing BTC on one platform with FX trades instead of using multiple exchanges. Anyone else do this? *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.*

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Post is by: ConsiderationFit2353 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1nw754z/for_multiasset_traders_separate_accounts_or_one/ I used to think keeping FX, crypto, and stocks on separate accounts was the smart move. Cleaner, less noise, fewer excuses to overtrade. But honestly, it backfired, because I never saw the whole picture. A couple of times I realized way too late that I was basically stacking the same bet across different markets. Thought I was diversified, but really I was just leveraged in disguise. Now I’ve been testing a setup where everything sits on one screen. Makes it harder to lie to myself about risk. I use Bitget for that since it shows multiple markets together, but I feel like the bigger point is just having visibility. So what do you guys do? Keep everything siloed for discipline, or consolidate and face the risk reality? *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.*

Glittering-Radio8298

I try TA on alts as well, but it’s tough with how fast news hits. FX Leaders gives me another perspective, but I always take it lightly.

InterestingLion9711

I try TA on alts as well, but it’s tough with how fast news hits. FX Leaders gives me another perspective, but I always take it lightly.

kyuronite

Try sending a wire transfer. Takes 1-5 business days, probably more if you're going onto another continent, possibly even 2 weeks. Sometimes multiple intermediary banks are required due to the number of hops. Each one will take their own slice of the pie. Now, imagine if something somehow goes wrong in the middle of it, could be a mispelling of a name or address isn't quite right. It bounces. Guess what, now for those hops through intermediary banks, there may be FX conversion applied. You won't know when it get's there until the money shows up in the destination account. Had an error once. Money disappearead for almost 2 months. Nobody could tell me where the funds were. Once it showed back in my account with 80% of the funds of what i originally sent, the bank was able to order a trace to be done to figure out what happened. Bitcoin, transparent (not sending a black box), verifiable, and within 10 minutes, no hassle.

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Post is by: No-Sun-2086 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1npcdh9/revolut_usdc_fees/ How much does Revolut charge (any spread or FX) to buy USDC in GBP in the UK? Do international crypto platforms require that you FX into USD before purchasing USD stablecoins? *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.*

wwholelottared

I have traded BTC and ETH on [Avatrade](https://www.avatrade.com) with my FX pairs like USD/JPY. It is not as liquid as Binance or  Bybit so if you are scalping, spreads are much wider and order execution isn't as fast. But for swing trading or holding a position for a couple of days, it's perfectly fine. The great thing is that I don't have to split funds, my FX + crypto is all on one dashboard

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Post is by: Equivalent_Cover4542 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1nnmmd9/proscons_of_btc_on_forex_brokers_vs_exchanges/ My friends mostly use Binance or Bybit, and I honestly like the idea of keeping everything on one account with my FX trades. Any of you actually trade BTC/ETH on a forex broker? How does that compare to an actual exchange? *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.*

Freshly_Bake0611

I’ve tried TA on alts and it helps a bit, but it’s not always reliable. News and hype move them so fast. I still look at indicators, and I like checking FX Leaders for another view, but I take everything with a grain of salt.

coinfeeds-bot

tldr; The FX Pip & Lot Calculator is a free app designed for forex traders to simplify risk management and position sizing. Key features include pip value calculation in various currencies, accurate lot size determination, support for multiple trading instruments, and a user-friendly interface. It caters to traders of all levels, from beginners to professionals, and ensures precise and confident trading. The app does not collect user data and includes updates like a new Metals tab and minor improvements. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

coinfeeds-bot

tldr; The FX Pip & Lot Calculator is a free app designed for forex traders to simplify risk management and position sizing. It calculates pip value, lot size, and risk per trade for various instruments like forex, gold, silver, indices, and crypto. Key features include multi-currency support, auto pip value calculation, and a user-friendly interface. The app is suitable for traders of all levels and ensures precise and confident trading decisions. The latest version includes a new Metals tab and minor improvements. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

russ_west45113

I’ve had problems with shady brokers in the past where withdrawals were delayed or they’d suddenly ask for extra documents after profits. That’s why I was nervous mixing BTC + FX pairs on one account. But on AvaTrade, so far I haven’t seen that. I’ve done deposits and a couple withdrawals usually clears in 2 - 3 business days, which is about what I expected. Not lightning fast, but at least it’s consistent.

Ancient-Stock-3261

Yeah, that’s not exaggerated - some offshore FX brokers get real sketchy once you mix BTC with fiat pairs, especially on big withdrawals. If you’re gonna trade both, stick with a well-regulated broker or keep crypto flow separate. Last thing you want is profits locked up in broker purgatory.

burger_hoon

I’ve traded BTC and ETH on AvaTrade alongside my FX pairs like USD/JPY. It’s not as liquid as Binance or Bybit for scalping spreads are wider, and order execution isn’t as fast. But for swing trading or holding positions for a couple of days, it’s been totally fine. The upside is that I don’t need to split funds across multiple platforms, so my FX + crypto are all in one dashboard.

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Post is by: Cha_Ariola and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1nhiehp/trading_btc_on_forex_brokers_vs_exchanges_proscons/ Most of my friends stick to Binance or Bybit, but I kinda like the idea of managing everything in one account with my FX trades. Anyone here actually trading BTC/ETH on a forex broker? How does it compare to using a pure exchange? *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.*

rhalp21

I run BTC/ETH on AvaTrade alongside FX. Not as quick as Binance for scalping, but for swings it's been fine.

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Post is by: suhail_saifi789 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1ng3b8r/anyone_here_trade_btc_on_a_forex_broker_instead/ Most people I know stick to exchanges, but I’m curious about using a multi-asset broker so I can trade FX + BTC in one place. Anyone tried this? How’s liquidity/execution compared to exchanges? *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.*

OkPickle366

Some points but let’s dial back the doomerism. XRP’s not a house of cards in 2025. Bank CEOs on the board? Nah, Ripple’s execs are fintech vets like CEO Brad Garlinghouse and CTO David Schwartz, no revolving door from JPMorgan. The Board has economists and ex-Treasurer Rosie Rios for cred, not capture.   Partnerships? 300+ institutions, with 12 banks (Santander, PNC, SBI) using XRP for ODL—$1.3T volume this year alone, slashing FX costs 40-70%.   That’s not ‘enriching jobs’—it’s real utility. Single point of failure? XRPL’s consensus needs 80% validator agreement (150+ nodes), tolerating 20% downtime without collapse. Decentralizing fast with tokenized RWAs (Dubai pilot) and Ethereum bridges. California economics? Sure, losses from SEC BS ($200M fees), but H2 2025 flipped to profit via RLUSD and 80% Japan bank adoption. Newsom even put Ripple on the state’s blockchain board—CA’s not hating.   XRP’s up 400% YTD, this ‘💩’ company’s valued at $15B. Glass ball says partnerships build the future, not just protect jobs. What’s your take on ODL’s trillion-dollar run? Keep yappin’ with facts next time. 🚀”

Commercial_Green1305

[Bleap is the best crypto card](https://bleap.finance/) ever. **- 2% cashback on every purchase worldwide** \- Zero FX fees or hidden markups, transparent 1:1 conversions. \- Withdraw cash at any ATM, anywhere with no extra cost. \- Multi-wallet connection in one app, fully non-custodial. \- Up to 15% savings opportunities through integrated DeFi protocols. \- Instant on-ramp/off-ramp between fiat (EUR, USD) and stablecoins. \- Borderless account for cross-border spending. \- Completely free account: no monthly fees, no surprise charges. I'm really enjoying the platform, it has a simple UX

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Post is by: Cute_Conversation464 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoTechnology/comments/1na8lw3/fxprous/ Has anybody heard about this FS Pro account—not the one from London, but another one called FX Pro US? It’s supposed to let Americans and Canadians exchange cryptocurrency and trade. They sent me this email. FX Pro in London told me they are not associated with that other website. Has anyone dealt with FX Pro Exchange US? *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.*

Grand-Tip-6512

I have about 8 different assets (bitcoin being one) I like to buy opportunistically. It's really not for everyone, but I work in Finance and watch markets (equities, bonds, FX, rates, crypto) every day. It's worked out for me, but I wouldnt necessarily reccomend it. I have my mom on a DCA plan, buying every single day of the week on Robinhood.

GayCaterpillarlolol

Honestly, starting with $10 is good for learning but u’ll really spot growth with a few hundred,something like $500 to $1k if you can swing it and only what you can afford to lose. If you want more structure, SilverBulls FX offers some free BTC setups you can test with, just to get a rhythm going before you risk more. Don’t rush, everyone’s tempted!

Talk-Q

Thoughtful questions. First, the **4.2 MB/year** figure is merely the header-first replication cost; it's the cost to have Mars remain aware of Earth's MTP and fork choice, a rough estimate of **80 B × 52,560 blocks ≈ 4.2 MB/yr (\~1.07 bps)**. Compact filters are paid for independently at a conservative **\~1.05 GB/yr (\~267 bps)**, and transactions/compact blocks are asked for as needed. Nothing in the paper assumes "free Internet": it explicitly anticipates commercial/operational relays, allowlisted relay keys, DNSSEC-anchored manifests, and a federated governance group co-signing checkpoints/CRLs between domains. **Who "pays"?** Operators of such links, like ISPs/satellite providers, pay expenses in relay, watchtower, and peg services fees; miners' fees do not pay for the deep-space transport per se. In "who is in charge," the design avoids the one-switch solution: it promotes administrative diversity, path diversity, and time-beacon audits, and permits receivers/watchtowers to reject policy-compliant-but-not-compliant evidence (policy profile PoTT-M2). Nevertheless, PoTT does not conceal bounds: it improves accountability, not liveness—relays may censor or drop traffic, which is why the paper employs multipath and treats censorship as auditable but not unachievable. Second, regarding the **"Mars-only currency"** idea: the paper's intention is to keep Bitcoin L1 on Earth unchanged but enable Mars to operate locally with 1:1-pegged assets via a secure federation (temporary) or blind-merge-mined commit chain (if adopted). That alternative is precisely not to require a Martian mining sector but to have the colony operate if interplanetary links break: local Lightning + local settlement, and cross-planet settlement alone ceases, markets are briefly segmented with FX-type spreads until connectivity resumes. The architecture acknowledges the link of communications as a potential point of congestion and recommends **header-first replication, timelocks with latency awareness, PoTT receipts (kilobytes/bundle), and policy checks** to make any interference noticeable and to degrade rather than fail miserably. Even if Mars independently had a chain of its own, the Earth–Mars exchange link would be the bottleneck for trading, and hence **the proposal is focused on cutting back on dependence (small constant-state budgets) and distributing trust rather than assuming away the link**.

DardMiner1982

You’re right that block subsidy still dominates miner revenue, but markets already influence Bitcoin more than it seems. Liquidity cycles, dollar strength, and ETF flows shape demand, which feeds directly into miner economics. Over time, as subsidy halves and fees grow in relevance, I agree the structure will evolve. But to say markets have no effect yet overlooks how much BTC trades like a global risk asset alongside equities, bonds, and FX.

El-Grande-

What?? Aren’t EMI supposed to be cheap?? I’ve legit saved tens of thousands in FX fees using Wise for some big purchases.

Open_Acanthaceae_950

 Hunt is back and even stronger

Patrick_Atsushi

This is their new casino after FX.

solidstatepr8

Stablecoin issuance is at all time highs too. Being the next global FX market sounds like a big catalyst to me

Ryan1188

https://youtu.be/fw3WkySh_Ho?si=wTK4Uu5bXXtc0FX_ Trust me, this video is well worth your time for the question you've presented.

LearnedToe

Copy and pasting my comment above: Since you didn’t get an explanation, I’ll give you some bullet points on Chainlink: • ⁠First mover advantage, proven track record (secure, no downtime, accurate, etc), and very little (if any) actual competition. • ⁠They’re the infrastructure of crypto (think roads and bridges), which is essential but not sexy. Because of that and the historical tokenomics, price action was fairly muted. They’ve flipped the switch with the Payment Abstraction and Chainlink Reserve. • ⁠Core Services to support infrastructure idea: 1. ⁠Data Feeds (Price Oracles): Provide tamper-resistant price data (e.g., ETH/USD, BTC/ETH, commodities, FX). 2. ⁠Proof of Reserve: Gives real-time audits of collateral backing assets (like stablecoins, wrapped tokens, or real-world asset tokens). 3. ⁠Verifiable Random Function: Provides provably fair randomness on-chain. Used in gaming, NFTs, lotteries, and any application needing trustless randomness. 4. ⁠Cross-Chain Interoperability Protocol (CCIP): A messaging and token transfer standard that enables secure communication between different blockchains and traditional systems. Seen as a key bridge for institutions and enterprises to connect with Web3. • ⁠Their partnerships are second to none (Swift, ICE, DTCC, PayPal, Google, AAVE, etc): https://www.chainlinkecosystem.com/ecosystem • ⁠Payment Abstraction: Link has recently become Chainlink’s Universal Gas Token, so all payment (ETH, fiat, etc) for Chainlink services is now converted to Link. This will generate demand for Link. • ⁠Chainlink reserve: Link converted via Payment Abstraction is transparently placed in a reserve once a week, which will decrease circulating Link supply. Source: https://metrics.chain.link/reserve

Maitome68

Why not buy it monthly? You will be paying FX fees and service fees daily lol.

Ask369Questions

Can you school us on this when you have time? From what I know, basically, the banks are trying to blackball XRP at this time because some important people said no thank you to their "offers and invitations," if you will. The average person isn't going to know about this, but something to do with BRICS and Gold. I don't remember the exact details. Look up Cynthia Petion. They tried to get her and she had to flee the country and is still hiding. Something to do with her company Nova Tech FX. On the superficial side of things, can you say something about HBAR and why you have this stance on XRP?

Ask369Questions

As you can see, I am conspiratorial, and have very strong reasons to believe that XRP is the future, based on the activity and information of world banks and a targeted powerful lady named Cynthia Petion regarding the future of cryptocurrency. I have my hands in very many cookie jars, and am just getting my feet wet. XRP, XLM, XDC, HBAR, Cashflow Enterprise, and Phoenic coin are the future. XRP is being kept under the radar and has the attention of all of the banks. I don't think this, I know this. They tried to go after this woman. She owns Nova Tech FX.

Rix0n3

Unfortunately its not looking profitable for Australians, the average electricity price generally ranges from 25 to 35 cents per kilowatt-hour (c/kWh), based my calculations off Western Australias rates. 💰 Electricity Cost in AUD 288 kWh/day × AUD 0.3237 = AUD 93.22/day Add Synergy daily supply charge: AUD 1.16 Total daily cost: AUD 94.38/day 💵 Revenue in AUD Income: USD $51.49/day 1 BTC = USD $118,990.38 → FX rate approx 1 USD = 1.55 AUD AUD revenue: $51.49 × 1.55 = AUD 79.81/day 📉 Final Daily Profit (AUD) Revenue: AUD 79.81 Electricity + supply: AUD 94.38 Net daily profit: AUD –14.57 (loss) Monthly loss: –$14.57 × 30 = AUD –437.10 Yearly loss: –$14.57 × 365 = AUD –5,317.05 Calculations might be more appealing if you you access business energy plans with lower kWh rates, Off-grid Solar + Battery or you could place your rig in a country or facility with lower energy costs.

Existing_Muscle_4219

RWA hype’s been running hot for years but actual use cases? Pretty light. StrikeX + CMC Markets are quietly building the real deal infrastructure to own a big chunk of that market once adoption pops off. CMC just went all-in, grabbing majority control and stacking STRX tokens, while StrikeX’s platform can handle everything from slow private equity to quick FX moves — all wrapped in legit compliance. When RWAs blow up, these two won’t just be playing — they’ll be running the game. Anyone else think STRX is the sleeping giant here? 👀

Dizzy-Emergency-191

Ive messed around with a few crypto cards so here’s my quick thoughts. Nexo is a credit card backed by your BTC or ETH. You don’t sell your coins, you borrow against them. Cashback in BTC or NEXO. Pretty smooth app, FX rates are fine. Rewards get better if you hold more NEXO but it’s not mandatory. CDC Prepaid debit card. Good cashback if you stake CRO but you need to lock quite a bit for the better tiers. Easy to top up, works fine for day to day. Binance Card has straightforward, low fees, cashback in BNB. You just have to set which coins it spends from in the app. Rizon is new player that launched this year. Lets you spend USDC or USDT straight from a non-custodial wallet using a Visa card. Works with Apple Pay and Google Pay, fees are transparent, and you don’t have to convert to fiat first. Super handy if you mostly hold stables. On taxes, most places treat spending crypto as selling, so it can trigger capital gains. Nexo avoids that since it’s borrowing, but check your local laws before going all in. If you want the easiest way to spend stables without converting, Rizon’s pretty good. If you’d rather keep your stack and borrow against it, Nexo’s solid.

Rude-Breadfruit3093

Both exchanges stink. Both have huge spreads, will screw you on any FX exchange and charge fees. On top of that they will ask you again and again what you are doing with your own money. SELF CUSTODY.

OwlPay_Wallet_Pro

That’s true. Our team is about to launch Stablecoin Checkout, a seamless way for your customers to pay with USDC at checkout while you receive settlements in USD. For example, if you run a hotel booking platform, you can offer your guests the option to complete their payment in USDC. We handle the conversion and settle the funds in USD directly to your account. This means For customers, no worries about exchange rates For platforms, no headaches from FX fees

SixtAcari

Any macro / FX / politics. You just follow relevant news portals that's all

BioRobotTch

>I want to move my money cheaply. I want to move my money quickly. I want it settled instantaneously. Spot on! That is what any consumer of FX services wants too from the Banks to your average retail consumer. OOPs point was that Algorand does all of these things better than XRP so why does XRP have a higher market cap than algorand. One thing I know is a free market will eventually correct pricing mistakes.

BioRobotTch

The ISO20022 stuff is just a messaging standard anyway. Actual settlement is performed by CLS Bank , who describe themselves as the biggest bank you have never heard of. At one point the handled 70% of all foreign exchange. Since a blockchain is a settlement system if you want to capture that market then being CLS Bank is a better target then trying to be SWIFT. \>Now, you as 'algorand' holder, may laugh at it, but the EXACT same joke applies to you. Well not me, I've worked with SWIFT standards since before they published ISO20022 standard all the way back to the FIN messaging days. Consumers using FX in future will care about exactly the same stuff in the future as now. Costs, Settlement times and High Availability/Low Barrier of Entry will be the main factors in the future too.

FoldFold

yeah most europeans are gonna eat the FX risk. And anyway, I don't see why you'd want to hold stablecoins so long you'd start EATING that fx risk. Also, why do you need to hold stablecoins long enough to EAT that fx risk -- the yield isnt so much better unless you assume quite a bit of risk why is it so? most trading pairs, collateral, and borrowing demand are in dollars, why borrow or market-make in EUR? little demand this may change in the future

FishUnlikely3134

That would be a landmark move if Indonesia actually puts Bitcoin on its balance sheet—central banks normally stick to FX and gold, so this could spark a real wave of crypto diversification. Given the rupiah’s volatility and dependence on USD reserves, a small BTC allocation might hedge inflation, but those price swings are no joke. I’d expect them to pilot it with a 1–2% tranche and set up a rock-solid multisig custody solution before scaling up. Anyone else think this could pressure other emerging markets to follow suit?

Lumpy_Summer_4081

Hey guys - If I buy a coin in Phantom using Solana and that coin stays the same price but the price of Solana halves, how will that affect my P&L? Do i get extra solanas or do I lose the “FX” money?

SlowTree4191

It all comes down to which market is easier to manipulate. You can't speculate on BTC in crypto pairs, but you can with altcoins. Therefore, FX is more reliable. [https://www.youtube.com/@fixzonetv](https://www.youtube.com/@fixzonetv)

Current_Attention_92

American Express Banco Rendimento Bank of America (testing Ripple solutions for payment systems) Santander (uses Ripple's xCurrent in its One Pay FX app for faster transactions) SBI Holdings (Japan) and SBI Remit (uses XRP as an intermediary for payments through its MoneyTap service) Standard Chartered (involved with Ripple since 2015) Canadian Imperial Bank of Commerce (CIBC) Kotak Mahindra Bank (India) IndusInd Bank (India) RAKBANK (UAE) SEB (Sweden) Siam Commercial Bank (SCB) (Thailand) Krungsri (Bank of Ayudhya) (Thailand) BNY Mellon (selected to hold reserves for Ripple's RLUSD stablecoin) Itaú Unibanco (deploys RippleNet) Bitso (significant ODL partner in Latin America) Cuallix (early adopter of ODL) MoneyTap (Japan) BeeTech (Brazil) InstaReM (Singapore) ZipRemit (Canada) LianLian Pay (China) IFX Payments (UK) TransferGo (UK) Currencies Direct (UK) Airwallex (Australia) MoonPay Tranglo Bank of Thailand (BOT) Saudi Central Bank (SAMA) Royal Monetary Authority of Bhutan (RMA) AMC Theatres APMEX (precious metals) Auragentum GmbH (precious metals) Jomashop (luxury watches, handbags) Ledger (hardware crypto wallets) Marc Gebauer Lifestyle GmbH (luxury watches) Namecheap (domain registration, hosting) Newegg (computer hardware, gadgets) O'Gara Coach (luxury automobiles) PacSun (clothing) Play-Asia.com (entertainment products) Scan Computers (electronics) Sharps Pixley (bullion broker) Stacks Bowers (rare coins and currency) Hublot (luxury watches) Prepaid Gamer Online Hawk Host Inc. Ace Jewelers CryptoTurismo Gamesplanet HOSTKEY B.V. HJT Crypto: A platform that allows users to use XRP to remotely launch Bitcoin, seeing a surge in users. Dubai Land Department + Ctrl Alt: Partnered with Ripple to tokenize real estate on the XRP Ledger. Hidden Road (pending acquisition by Ripple): A global prime brokerage firm expected to bring post-trade clearing, FX services, and liquidity directly onto the XRP Ledger. World Bank: Evaluates Ripple's potential in development finance. BlackRock: Reportedly exploring XRP-focused Exchange Traded Funds (ETFs), which could significantly increase institutional interest. Various Firms applying for XRP ETFs: Indicating growing institutional interest and demand for regulated exposure to XRP. Individual Users: The XRP network sees significant daily address creation, indicating a growing retail user base. Ripple's stablecoin, RLUSD, is also gaining traction among retail users despite its initial enterprise focus.

Bybit-official

Hey! Great questions — happy to clarify: Bybit Card works anywhere Mastercard is accepted, but it's currently available to users in the EEA (European Economic Area). For full details on fees, FX rates, and supported countries, check here: [https://www.bybit.com/en/card/](https://www.bybit.com/en/card/) Giveaways tied to the card or certain promos may be region-specific due to regulations. Always check the terms ,some are EU-only, others are global.

cleoharrison875

Yeah, Coinbase fees can really add up, especially if you're doing smaller trades. I’ve started comparing platforms more and looking at overall costs before making a move. I usually use FX Leaders to get a feel for market direction first helps me plan better and avoid making too many trades.

Bytewyre3

Crypto.com is just said don't go there...if you like FX try Trading.com they give you a free $100 like for real

slaybrownbeast

From gemini pro, prompt without preference: asking gemini to tell the cold hard truth ; Excellent question. The analysis you've provided is a sharp, coherent, and widely held articulation of the fundamental challenge facing XRP. It correctly identifies the core tension between its intended utility as a high-velocity bridge asset and the requirements for long-term price appreciation. It is not wrong; however, it is incomplete. Here is the cold, hard, objective analysis that adds the necessary counterpoints and nuance. The Analysis is Correct, But Its Premises are Too Simple The provided text frames the situation as a binary choice: either XRP works as a bridge, or stablecoins/CBDCs do the job better, rendering XRP a purely speculative token. The reality of the global financial system is far messier, and this is where the counter-argument lies. The "paradox" is real, but it's better described as a classic network adoption problem—a "chicken and egg" scenario that all platform technologies face. The core of the objective counter-argument rests on three points the original text under-emphasizes: * The unstated but significant frictions and risks of a stablecoin-centric system. * The functional necessity of a higher XRP price if its utility thesis is ever proven at scale. * The strategic value of a neutral, jurisdiction-agnostic bridge asset in a world of competing, politicized digital currencies. 1. The Cold Hard Truth About Stablecoins The provided text presents stablecoins as a near-perfect solution. They are not. For an institution like a bank or large payment processor, which operates on a timescale of decades and must price in tail risk, stablecoins present their own set of profound challenges: * Massive Counterparty Risk: A dollar-pegged stablecoin like USDC is a liability on its issuer's (Circle's) balance sheet. Its value is entirely dependent on the solvency of that single entity and the verifiable quality of its reserves. A "bank run" on Circle, a regulatory freeze of its assets, or an accounting scandal could render billions in USDC worthless or inaccessible overnight. XRP, for all its volatility risk, has no central issuer in this sense. It is a bearer asset whose primary risk is market-driven, not institutional. For a risk manager at a global bank, this is a night-and-day difference. * The "Last Mile" Liquidity Nightmare: The text correctly identifies the need for pre-funded liquidity. But it underestimates the severity of this problem. A stablecoin model requires a liquid USDC <> Thai Baht market, a liquid USDC <> Brazilian Real market, a liquid USDC <> South African Rand market, and so on for every corridor. Each of these requires local banking partners, regulatory approvals, and market makers. This creates a fragmented system where liquidity is siloed. The promise of XRP is to pool this liquidity into Fiat_A <> XRP <> Fiat_B. Instead of needing thousands of individual trading pairs, you only need liquid pairs against a single, highly efficient bridge asset. * The Coming Stablecoin Wars: We are not heading toward a world with one stablecoin; we are heading toward a world with many. There will be a USDC (US), a EUROC (Europe), a PYUSD (PayPal), Ripple's own RLUSD, and eventually, government-sanctioned CBDCs. Will a bank in Japan want to settle a transaction with a Brazilian bank using a stablecoin regulated by the United States? This re-introduces jurisdictional and FX friction. A truly neutral, non-sovereign bridge asset could become the preferred intermediary to swap between these competing stablecoins and CBDCs—a "Switzerland" for digital currency. 2. Solving the "Paradox": Price as a Functional Prerequisite The text claims that if nobody holds XRP, its price won't appreciate. This misses a critical point. For XRP to function as a bridge for transactions of significant value, the price of XRP must be high. Imagine Ripple's On-Demand Liquidity (ODL) needs to facilitate a $100 million cross-border payment. If the price of XRP is $0.50, moving that value would require 200 million XRP tokens. A transaction of that size would exhaust the order books on most exchanges, causing massive price slippage and rendering the transfer non-viable. Now, imagine the price of XRP is $10. The same $100 million transfer would only require 10 million XRP. The impact on market liquidity would be far smaller, making the transaction faster and cheaper. Therefore, price appreciation is not merely a speculative byproduct; it is a functional prerequisite for the network's utility at scale. If you believe ODL will capture even a tiny fraction of the multi-trillion dollar daily FX market, you must necessarily believe that the price of XRP will be orders of magnitude higher than it is today to support the value flowing through it. The speculators and LPs holding the token are betting on this future utility, which requires a higher price to function. 3. The Bottom Line: It's an Execution Risk, Not a Logic Flaw The bearish analysis you provided is a perfect articulation of what happens if Ripple fails to achieve scaled adoption. If ODL does not become a critical piece of financial plumbing, then yes, XRP's value will be untethered from utility and will remain purely speculative, vulnerable to being chipped away by more straightforward solutions. However, the objective counterpoint is that the alternative "simpler" solutions have their own severe, understated complexities. * XRP's success does not depend on stablecoins failing. It depends on stablecoins not being the perfect, one-size-fits-all solution for every type of global payment. * The investment case for XRP is a high-risk bet on institutional adoption. It's a bet that global banks and payment providers will eventually conclude that the risks of a fragmented, counterparty-heavy stablecoin system are greater than the market volatility risk of a neutral bridge asset. * Ripple’s legal clarity in the U.S. is a non-trivial advantage. In a world where regulation is the biggest existential threat to crypto, having a degree of legal clarity for institutional use is a powerful, bank-friendly asset. The cold, hard truth is that the future of finance will be a hybrid system. Stablecoins will dominate certain corridors and use cases. But for the complex, high-value, and exotic cross-border settlements that are the lifeblood of global trade, the case for a neutral, efficient, and sufficiently liquid bridge asset remains powerful. The question is not whether the logic holds, but whether Ripple can execute on its vision before competitors solve their own inherent problems.

blockhead92

Stellar for me is a clear winner: •Near zero fees •Fast •Interoperable with other chains on popular bridges •DeFi with very competitive yields paid in USDC (10%+), with additional incentives in native toke that have upside •Off-ramp to cash basically anywhere with direct integration using MoneyGram and no fees besides FX spread if in another country •Off ramp to banking being rolled out via several avenues in the short term

LexxM3

Market? For money? I mean there are FX markets, but this isn’t the stock or commodity market. Who cares who owns what? Decentralization is about control, not “markets”, and Bitcoin is controlled by miners and verification nodes, not owners. This made up speculation mindset always confuses people. SMH.

XapoBank

hmmm, Bitcoin was projected to reach prices between **$100,000 and $288,000** in the years following the 2024 halving (which occurred in April 2024). For the **end of 2025**, based on the classic S2F model, Bitcoin’s forecast is typically: * **Original S2F model**: \~$100K–$150K range * **S2FX model**: Up to \~$288K So somewhere up to 288k? NFA!

XapoBank

If you’re trying to spend Bitcoin without the usual headaches, you want something that actually works day to day low friction, no hidden fees, and ideally not some unregulated middleman. The Xapo Bank card lets you spend BTC by automatically converting to USD at the point of purchase. You don’t have to pre-sell or shuffle funds, it just works where Visa does. You also get a USD account alongside your BTC account, so you can choose how and when to use either. No hidden FX markups. Just a clear spread at the time of conversion, and it’s accepted almost everywhere. Not for everyone, but if you're living on Bitcoin or looking for a cleaner setup with optionality, it's a solid option.

ukpdkf

https://youtu.be/k001JX-D-dA?si=MXn932FX1qbcXeL-

DarvasLivermore

Bitcoin is the definition of a speculative asset. It has no native utility, no smart contracts, no real world asset integration, and burns more electricity than some countries just to move value slower than a fax machine. Its valuation is built entirely on hope and scarcity, not utility. Meanwhile, XRPL settles transactions in 3 seconds, has sub-cent fees, and is already being used by banks, governments, and fintech firms for tokenization, FX, and settlement all without mining or wasting energy. The ECB chose XRP Ledger as the primary platform to pilot the Digital Euro across 500 European financial institutions. That’s not speculation. That’s regulated adoption at scale. Bitcoin is a 15 year old asset with zero mainstream adoption outside of holding. That’s the real overbought and overhyped play. Keep coping.

ecrane2018

Which makes sense since crypto trading is very much like the FX markets

Direct_Recording_768

Time Weighted Avg Price TWAP and VWAP V=volume trades.  Common in FX trading

DarvasLivermore

That’s actually incorrect multiple banks are actively using XRP via the XRPL mainnet, not just “testing” xRapid (now On-Demand Liquidity, or ODL). 1. SBI Shinsei Bank LIVE since Jan 2025. Actively using XRPL through SBI Remit to send real remittances from Japan to the Philippines. This isn’t a test. It's public. 2. Santander — Their app **One Pay FX** runs on RippleNet/XRPL and is LIVE in Spain, UK, and U.S. Has been since 2018. Millions in daily volume. 3. PNC Bank — First U.S. bank to go live with RippleNet using XRPL rails for corporate cross-border payments. Active since 2019. 4. Tranglo + SBI Remit — Facilitating real-time settlements across Asia using XRPL for ODL. Transactions confirmed on-chain. The reason you can’t trace all their wallets like BlackRock’s ETH wallet is because most institutions use enterprise-level custodians or settlement hubs like Bitstamp, Tranglo, or Coins.ph — not retail-level hot wallets. You’re asking for ETH-style transparency in a very different B2B payment structure. XRPL doesn’t need wallets labeled “Bank of America” to be valid — the transactions are still settled on-chain using XRP. Respectfully, this isn’t speculation it's already happening. Happy to provide full TX hashes if needed. Let's move the convo forward with facts 🔍

BlackjointnerD

Bruh how do you even go back 6 years on somebody's comments 😂😂 When XRP moons very obviously, people like you are going to go into a depression. There will be no excuses. You saw them sit at the table with everybody important and still somehow faded it. You will hate yourself forever. You literally don't understand traditional finance. There's a reason why the nostro Vostro point is made because it is OBSOLETE. It makes zero sense for it to exist when crypto and stablecoins are around. YOU DON'T NEED MARKET MAKERS ANYMORE. You just issue your own stablecoins from your reserves on the public blockchain and create liquidity pools for both ends to generate yield from your own transactions that auto route through XRPL They actually solved the liquidity management problem for interbank markets and such. Being an international business making payments in 160+ currencies no longer has to have all that complexity and cost versus programmatic FX conversion and real time settlement which enables real time accounting. Ripple seriously only needs to capture a small percentage of the interbank settlements markets to make XRP flip BTC with major integration as a neutral intermediary asset. No more specialized central counter parties that market make for hedging and settlement. XRP has no counterparty. So cash settled FX futures and contracts are done with counterparty and settlement risks. Same with cash equivalent corporate debt and retail securities. With Ripple trades happen instantly and programmatically versus convoluted multi day schemes to manage risk like netting positions within the same asset class, using payment-versus-payment systems, and clearing derivatives through a central counterparty.

OkSeries5363

Gains for active fx traders are often treated as ordinary income (so no CGT discount) There are also specific exemptions for personal use (like money for a holiday) and for small balances that do not exist for crypto. While that would be great crypto that isn't going to help if your holding/investing/trading crypto. According to Section 988(e) of the Internal Revenue Code, there is a $200 de minimis exemption for gains on personal foreign currency transactions. Over this you need report, and FX traders would need to report all.

OkSeries5363

With capital gains taxes and comparing forex traders with bitcoin, currently taxed very simialr, forex traders pay tax on profit/capital gains too. Although there a two main differences, forex trading has specific tax provisions that can override CGT. 1. Gains for active fx traders are often treated as ordinary income (so no CGT discount) 2. There are also specific exemptions for personal use (like money for a holiday) and for small balances that do not exist for crypto. While that would be great crypto that isn't going to help if your holding/investing/trading crypto. According to Section 988(e) of the Internal Revenue Code, there is a $200 de minimis exemption for gains on personal foreign currency transactions. Over this you need to reporting gains, and FX traders would need to report all.

AllCredits

Yeah globalization is bad. Who cares about black mondays, 90% of the stock markets are owned by the ultra wealthy. Ultra fast FX of today doesn’t have to pay any economic input to manipulate the markets, crypto solves this via gas/economic cost to transact

The_Realist01

Thank you, couldn’t recall the IRC regarding FX. El Salvador thank you.

6biz

Check market sentiment with a question not to scrape it?) According to your other post I see you’re waiting for it… Got much invested? IMO crypto markets are evolving exactly like FX did, the history is just slowly but surely repeating itself as in FX, same tools, same moves, same volatility which eventually evens out and becomes more solid. Of course with assets that have no RW utilisation or value it is all about being “tied” to some other asset, but I’d expect some reduction in correlation between certain ALTs and the Mammoths. I don’t know what will happen, but I’m getting ready for less volatile markets, so we will be seeing less and less range of movement on all the assets unless of course they are small enough to be affected by masses and whales or banal pump and dump barbarian tribes. From own trading, which is range trading, I’ve been seeing ranges narrowing down, we probably have time of the year in play as well as Summer is a bit more chill for many people around the world, so they won’t engage in SO much trading, but we just have to wait and see.

Spacemonkeysmind

" the history of money, the story of power". By Steven zarlenga printed by the American monitary institute. You will understand why everytime the dollar goes down, the markets go up. You will also understand how the FX is rigged and how to trade in a circle. The silk road is still alive and well.

OkSeries5363

False, FX traders pay capital gains too? CGT applies to assets denominated non-USD currency and non-USD currency itself all the same

OkSeries5363

Unfortunately thats just how capital gains work for all investors/traders, otherwise all capital gains could be avoided and very simply. Have you ever traded shares or property or gold, wouldn't be very fair if crypto traders were treated differently to other currency traders. There is no issue with the USD layer being gone it is irrelvant to calculating the gain/loss, you simply use the market price. That's like saying I should be able to sell investment property tax free if I trade it for gold and not USD? Or not pay captial gains on my shares becuase I traded it for other shares? I think you confused about Capital gains. It does not matter if the an asset denominated in a non-USD currency or literally non-USD currency itself. Captial gains occur on any currency swap/assest swap, think about it, wouldn't be very fair FX traders didnt have pay capital gains but people who trade shares do? Flucations against the USD promt a capital gains event all the same. It works the same for all traders doesnt mater if you trade property, crypto, equities. \-If you buy $100 EUR for $100 USD and in 1 year you sell the $100 EUR for $120 USD, you have realised a $20 USD gain on the disposal of 100 EUR. \-If you buy $100 EUR for $100 USD and in 1 year you sell the $100 EUR for $110 GBP. You would realised a gain or loss on the disposal of EUR againt your local currency USD. The market price it simply use to caculate. Your capital and the now realised gain were used to buy the GBP. In both senarios purchased 100 EUR (cost 100 USD), disposed of 100 EUR, so you caculate the market value of 100 EUR in USD at the time you sold, the difference is your gain. You cost new basis for the 120 GBP is simply whatever 120 GBP equals in USD at the time of purchase. There is actually a different issue with crypto taxes that needs to be resolved but it would extremely challenging to resolve/potentially impossible for the IRS to fully resolve. Currently depositing your ETH in a defi loan in a platfrom like AAVE is considered a dispoal so in that sense you have realised a phantom gain as you still hold/control the same amount ETH but depositng into defi pool must force a disposal and the "cost/vaule" reciept token is you new cost basis. Oviously this doesnt mean you pay more tax as it simply moves your cost basis up but having to pay more now for less later isnt always optimal. The tax treatment also encourages the use of CeFi over DeFi as with a CeFi lending this is avoided, your 12-month clock for the Capital Gains Tax (CGT) discount is crucial and will also be reset. The challenges of implementing rules like "No Disposal" safe harbour provisions and Like-Kind rules in Defi lending and yeild farming are quite large concerns, given implementing them open up a massive issue and loophole and has large implcations for taxation as whole. Why should cryto traders get special safe harbour rules. Equities traders could argue the same thing, same with currency traders. You could consider swapping a tech ETF for another tech ETF with the same assests is same as swapping LP token with the same assests inside. This could also remove a current defi loophole as holding a receipt token that grows in vaule via rewards means it gets taxed as a capital gain, in CeFi platfroms rewards would be considered taxable under income so you miss out the capitals gains discounts.

XapoBank

There may be another way... 👀 Totally hear you, this is exactly the kind of friction that motivated us to build Xapo Bank in the first place. We’re Bitcoiners ourselves, and we know how exhausting it can be dealing with traditional banks, especially when you’re moving larger amounts or living outside the major banking corridors. Constant freezes, unexplained holds, invasive calls, it’s why so many people are turning to crypto. At Xapo Bank, we do have rigorous onboarding, not gonna lie. But that’s *exactly* why we’re able to offer more freedom and flexibility once you’re in. We take the time upfront to understand your profile, activity, and how you move funds, so we’re not second-guessing every transaction later on. You get: • A full-reserve USD and Bitcoin account • BTC custody with no rehypothecation • Global payments via SWIFT, SEPA, Faster Payments & Lightning • A debit card you can use globally with no FX fees • Daily interest on both USD and BTC And most importantly, **we’re structured for people who actually use their Bitcoin**. This isn’t a “buy and hold and forget it” place. It’s built for active users, digital nomads, high-volume movers, and long-term thinkers. If you’re tired of banks not getting it, you might find we do. Happy to answer any questions you’ve got.

XapoBank

Fair question, and thanks for following up. The increase from $150 to $1,000 reflects how Xapo Bank has evolved from a niche offering into a premium service that combines regulated banking with dedicated Bitcoin features and international financial access. Remember we were a wallet first, we have come a long way from 2013. Membership now includes: • Access to a licensed private bank (full reserve) and a separate, regulated Bitcoin custody platform • Daily interest on USD (3.9% APY) and BTC (0.5% APY, up to 5 BTC) • A globally accepted debit card with no FX fees and up to 1% cashback in BTC • Institutional-grade BTC custody with no rehypothecation • USD, GBP, EUR, BTC transfers, via SWIFT, SEPA, Faster Payments, and Lightning • Borrowing against your Bitcoin (up to $1M) without needing to sell • 24/7 expert support and enhanced service for higher-net-worth clients Also, we have more products coming soon We understand it’s not for everyone, but for those who want both traditional and digital asset services in one place, built for long-term use, we’ve designed something unique. Always happy to answer more questions or hear feedback, we’re here to have the conversation, not avoid it.

dpthew

That’s great. Would you be interested in sharing how you’re able to completely avoid banks as a FX DayTrader, I considered it basically impossible until I saw this post. Is it just possible with Swissquote?

mm34505

You know banks risk volatility now by holding foreign capital? Most stablecoins are on specific chains (USDC on Ethereum, USDT on Tron), which creates fragmentation, not interoperability. They still require counterparty trust — you’re relying on Circle, Tether, or a bank to hold reserves and redeem. Cross-border still needs a bridge asset to handle FX conversion — stablecoin ≠ instant global liquidity. Banks might use stablecoins in closed environments, but they still need something like $XRP to bridge currencies, networks, and liquidity pools in real-time, without trust assumptions. That’s the piece most people miss.

mm34505

Let’s say Bank of America wants to send $5 million to a client at Mizuho Bank in Japan. Right now, that payment has to jump through hoops: 1. Different systems: BofA uses the U.S. banking rails (like Fedwire or SWIFT); Mizuho runs on Japan’s domestic system (Zengin-Net). These systems don’t natively “talk” to each other. 2. Intermediary banks: The payment routes through 2–3 correspondent banks, each taking a fee, adding time, and increasing counterparty risk. 3. Pre-funded accounts (nostro/vostro): BofA may need to pre-fund yen in Japan days ahead of time, locking up capital and creating FX exposure. 4. Settlement delays: The transaction can take 1–3 days, even if it's “initiated” instantly. --- Now compare that to using XRP as a bridge: No pre-funded accounts Near-instant settlement (3–5 seconds) Global liquidity from a neutral asset Dramatic cost savings This is exactly the inefficiency XRP was designed to solve — not just for one bank, but for the entire global settlement layer.

jacky4566

These are like the FX exchange at the airport, your going to pay a big margin.

BioRobotTch

EU and the USA have both made non-mad laws about how stable coins should be treated. This means FX id going to be on-chain in future.

j-dot-b

summary of key facts and figures on regulated institutional investment in the crypto space from approximately 2020 to mid-2025 Regulated Institutional Investment in Crypto: Key Facts & Figures (2020 - Mid-2025) | Metric | 2020 - 2021 (Early Adoption/Growth) | 2022 - 2023 (Market Correction/Building) | 2024 - Mid-2025 (Mainstream Integration/ETFs) | Key Insights & Trends | |---|---|---|---|---| | Overall Institutional Exposure | Cautious exploration, primarily by crypto-native funds, some family offices. Limited direct access for traditional institutions. | Growing interest despite "crypto winter" and major platform collapses (FTX, Terra). Due diligence and regulatory clarity became paramount. | Significant surge post-Spot Bitcoin ETF approvals (Jan 2024). <br> - 86% of surveyed institutions have existing exposure or plan allocations in 2025 (EY/Coinbase Jan 2025). <br> - 84% of institutions increased digital asset allocations in 2024 (EY/Coinbase Jan 2025). <br> - Over 60% of institutional investors globally had some crypto exposure (Fidelity Digital Assets 2024). | Institutional adoption has shifted from niche to mainstream. The approval of regulated products (especially ETFs) has been a game-changer, providing a secure and compliant pathway for traditional finance. Growing confidence in long-term value and diversification. | | Primary Investment Vehicles | Private crypto funds, direct spot purchases (less regulated), public companies with BTC holdings. | Continued use of private funds, growing interest in regulated futures products. | Spot Bitcoin ETFs: <br> - >$65 Billion in global AUM (as of April/May 2025). <br> - BlackRock's IBIT & Fidelity's FBTC leading with significant net inflows. <br> Bitcoin Futures ETFs: (e.g., BITO, launched late 2021) provided earlier regulated access. <br> Increasing interest in Ethereum ETFs. <br> Venture Capital: Continued significant investment in blockchain startups. | ETFs are now the dominant regulated entry point, addressing critical issues like custody and compliance for traditional institutions. This shift signifies a maturation of the market and increased comfort for fiduciary-bound entities. | | Allocation by Asset Type | Predominantly Bitcoin. Some exposure to Ethereum and a few larger altcoins. | Bitcoin and Ethereum remained primary. Some cautious diversification. | Bitcoin (BTC): Remains the core asset. Market cap growth 124% in 2024. <br> Ethereum (ETH): Second most popular. Market cap growth 46% in 2024. Anticipation of Spot ETH ETFs. <br> Stablecoins: New ATH of $222 Billion MC (Feb 2025), used for yield, transactions, FX. <br> Altcoins: 73% of institutions hold one or more altcoins beyond BTC/ETH (EY/Coinbase Jan 2025). XRP and Solana cited as popular. | Bitcoin maintains its "digital gold" status for institutions. Ethereum's ecosystem and potential for future ETFs drive strong interest. Stablecoins are gaining traction for operational efficiency. Diversification into a broader range of altcoins indicates growing sophistication and risk appetite. | | Exposure Percentage of AUM (Where Data Available) | Typically <1% for most traditional institutions. | Remained low due to market conditions and regulatory uncertainty. | 59% of surveyed institutions plan to allocate >5% of their AUM to digital assets in 2025 (EY/Coinbase Jan 2025). <br> Average institutional allocation still below 1% for spot BTC ETFs (Q1 2025). | A clear upward trend in planned allocation, moving crypto from a fringe asset to a strategic portfolio component. The current "under 1%" in Bitcoin ETFs suggests significant room for further institutional inflows. | | Drivers for Investment | Search for high returns, innovation. | Long-term value proposition, potential diversification. | Higher Returns (59%), Innovation (49%), Inflation Hedge (41%), Diversification (36%), Yield Generation (35%) (EY/Coinbase Jan 2025). <br> Regulatory Clarity: Top catalyst for industry growth. | The perceived benefits have broadened, with inflation hedging and diversification becoming more prominent. Regulatory clarity is now seen as the primary enabler for institutional adoption, indicating a maturing market. | | Key Concerns/Barriers | Regulatory uncertainty, volatility, custody challenges, security. | Market volatility, regulatory uncertainty, security, operational complexities (e.g., custody). | Volatility and Regulatory Risks remain. However, the perception of regulatory risk has shifted from a "barrier" to a "catalyst" as frameworks emerge. <br> Security threats (platform hacks). | While volatility is inherent, increased regulation is mitigating some of the previous "wild west" concerns. The focus has shifted to building robust, compliant infrastructure. | | DeFi Engagement | Very limited direct institutional engagement. | Cautious exploration by some crypto-native funds. | Only 24% of institutions currently engage directly with DeFi, but projected to triple to 75% within two years (EY/Coinbase Jan 2025). <br> DeFi TVL (Total Value Locked) grew from $1 billion (2020) to >$83.72 billion (August 2024). | DeFi is the "next frontier" for many institutions, moving beyond just holding assets to actively participating in decentralized financial protocols for yield and services. This indicates a deeper integration into the crypto ecosystem. | | Corporate Bitcoin Holdings | MicroStrategy began significant accumulation. | MicroStrategy continued, others remained cautious. | Corporate Bitcoin holdings (non-ETF) grew from 1.68M BTC (early 2025) to 1.98M BTC (mid-May 2025), an ~19% increase. | Some public companies are increasingly adopting a "MicroStrategy model" for balance sheet diversification and potential value appreciation, showcasing another form of institutional interest outside of traditional investment vehicles. |

DmitryParker

General questions deserve more than general answers — so let’s flip the script. TradFi’s crypto adoption isn’t about "embracing innovation". It’s about quietly building escape tunnels from a failing system. The silent globalization shift: First, "stocks to crypto" isn’t just a portfolio play — it’s geographic arbitrage. Pension funds buying BTC? They’re hedging against local inflation. US bonds yield 5%? Argentinians or Turks would laugh. For them, 15% yield in stables isn’t greed — it’s survival. At CryptoIndex, we see emerging market users overweight stablecoin indexes not for speculation, but preservation. Second, the real endgame is invisible infrastructure. TradFi won’t scream "WE LOVE CRYPTO!" They’ll tokenize Kenyan tea farms to trade as RWA indexes in Singapore. Pay Brazilian freelancers in USDC to bypass 10% FX fees. Your pension? Might soon be partially backed by tokenized Tokyo apartments. Crypto becomes the plumbing — not the headline. But the risk everyone ignores: This "smooth transition" relies on crypto becoming boring. No moonshots. Just regulatory passports (like MiCA in Europe bridging Singapore and UAE), indexes as compliance tools (KYC’d baskets over wildcat coins), and standardization. Fail that? Fragmented liquidity creates walled gardens. So where’s the opportunity? In building the boring stuff: - Indexes tracking RWA yields (6% beats bonds) - Compliance-friendly "passport" portfolios (EU-approved tokens) - Inflation-neutral baskets (BTC + tokenized gold equivalents) TradFi’s crypto move isn’t ideological — it’s the new tax haven. Globalization 2.0 runs on-chain. Heh.

RererevengeOfThaChee

SilverBulls FX. not a “crypto project” per se, but it’s actually the only group I’ve stayed in. Started for the free signals but stayed for the energy, no egos, mods actually reply, even the team posts full breakdowns and shows up daily. They treat it like a crew not just a product.

No-Resolution9863

SilverBulls FX. they send way less but higher quality setups, with breakdowns that actually teach you something. signals are free if you register on their site and win rate’s been 75-80% weekly since I joined. massive upgrade.

FreakyForexFTW

Been in crypto 2 yrs now. Biggest shift for me was learning to treat it like a system not vibes. I trade short-term setups now using crypto signals from SilverBulls FX. Clean levels, clear invalidation points. Not financial advice, but they helped me quit revenge trading for good.

tron1977

The API integration isn't very hard at all, in general. A friend once intergraded the price into the interface of Maya (3D FX software) for me in a few minutes. That said, integrating it into Reddit is probably not possible on a subreddit basic by the mods.

Inside-Definition-42

Locks you into Local v USD currency FX risk. While BTC is primarily priced in USD, you buy in local currency and sell back to local currency. Recent BTC ATH in USD has not surpassed ATH in many currencies due to wider USD losses. Or if you’re in Turkey, Argentina etc BTC price can be flat, or declining but still making ATH every month.

devCheckingIn

A currency loses value by inflation of its supply, not by the DXY which is just a comparison of the USD against a bunch of other currencies. The dollar lost a lot of its purchasing power over the past four years after QE and high inflation. When you're looking at FX, the dollar going down makes US exports more competitive and imports to the US less competitive. You don't necessarily want the strongest currency on the block.