IMO

Calm-Professional103

Stellar (XLM) is a utility token. IMO it is not investible. Keep only the amount you need to pay for transactions and trustlines on the Stellar Network.  XDC may have some legs as well as zkSynch. I don’t know very much about the rest

GIGAbtcHodl

People do the mistake of thinking that if they start something it has to be big. However, the pressure of going big usually stops them from doing it at all. Any small target is worth it IMO

Spl00ky

>Market cap doesn't really matter. It does in the context of the law of large numbers >There may be better assets in a short period of time (not a single altcoin outperforms Bitcoin in the long run, for example), but the superior monetary asset will always be the best choice for everyone. 99.9% of altcoins provide no value. >Totally agree with the rich, that what I was saying. Wealth gives you voting rights, though it shouldn't IMO. Then bitcoin isn't anti-establishment, nor does it solve any problems related to fiat money >Banks can hedge swings in nominal value. Even if we assumed that Bitcoin still swings that much when it's at $100m+/BTC, which I don't believe, it still is the hardest asset and counterweight to liquidity creation. Bitcoin is not the hardest asset though. I hypothetical crypto that has built in deflation would be a harder asset. The best counterweight to liquidity creation would be Milton Friedman's k-percent rule currency where a currency would be algorithmically inflated regardless of economic conditions.

Romanizer

The law of large numbers doesn't apply to gold apparently, seeing how violently it swings. Market cap doesn't really matter. The higher the better, though. There may be better assets in a short period of time (not a single altcoin outperforms Bitcoin in the long run, for example), but the superior monetary asset will always be the best choice for everyone. Totally agree with the rich, that what I was saying. Wealth gives you voting rights, though it shouldn't IMO. Banks can hedge swings in nominal value. Even if we assumed that Bitcoin still swings that much when it's at $100m+/BTC, which I don't believe, it still is the hardest asset and counterweight to liquidity creation.

McDrunkin521

Cold storage is the only way IMO. If you are not comfortable keeping you seed phrase you can send it to me and I will safely store it for you. /s

HesitantInvestor0

Just be aware that you're adding a lot of complexity and luck, and are likely to underperform buy and hold over time. Trading is pretty foolish IMO. You're essentially counting on being one of the very few who are profitable AND outperform simpler strategies.

Suspicious-Local-901

In EU? Try Relai. Works smooth and customer service is top notch. 2 important things IMO

Crazywar17

It’s not about panic the point is that crypto has already moved well beyond “mass adoption” and has weathered all the “unreasonable” volatility spikes. Still, there’s a general understanding that a single person can just as easily crash the market as they can pump it up, so experienced traders understand the risks but have grown accustomed to them. IMO.

durienb

Yes, it will. BB84 is the best known provable security algorithm that can be achieved with a quantum network. IMO quantum security upgrades don't really matter, maybe in the short term, but I think ultimately we'll replace all these one-way hard problem based algorithms with provable security.

Byro1218

Honestly look for solid project or proven crypto. Right now you need to know we are in a bear market. Best thing to do is DCA, expect down trend but continue to DCA. IMO buy Bitcoin ETH SOL and Litecoin. Once you understand the cycle and crypto better you can buy DEFi coins and use there protocols

Rare_Rich6713

Only real ones with actual usecase will make money and survive not the copycats. Basically now BTCFi that keeps BTC native like Babylon are the only one that makes actually sense IMO, the rest wrapping BTC is just copy of an actual project

SophonParticle

Yes. There’s a 50/50 chance of losing reserve currency status IMO. 

Forsaken-Welcome-709

So let's get some clarity here: \- Exchange: A place to trade one thing for another (Bitcoin for Dollars for example) \- Wallet: A digital equivalent to your leather wallet. A tool to help you secure your Bitcoin in a way that ONLY you can access it, rather than a bank account where you and your bank can access it and your bank can even restrict your access to it. Unfortunately, whenever you are dealing with FIAT (cash, dollars, pounds, whatever), if you are doing it through a business, that business legally has to jump through hoops to help the government keep tabs on its citizens and their activities. Therefore you have all of this KYC and ID checking etc. For our protection of course -- not for surveillance. Businesses are legal entities, there is nothing we can really do about that. We have \*\*decentralised exchanges\*\* (DEX for short), such as: \- Robosats (uses tor but pretty beginner friendly IMO) \- Bisq (requires downloading an app on a laptop and can feel a little overwhelming to start) \- HodlHodl (not used it) \- Others (can't remember others) There are many "crypto" DEXes, but we don't want to tempt people into all the other nonsense if you are just trying to understand Bitcoin. Plus many of them only focus on trading between cryptocurrencies because that is how they can avoid being subject to all these laws and regulations that come when you are handling or working with fiat/government money in any way. Robosats and Bisq provide a structured peer to peer technology (think BitTorrent for trading). They are not companies, they don't even do the trading. They just provide the technology, others will run the software and they can claim fees for doing it, others will volunteer as dispute resolvers and get paid for doing it, and people post their offers and others take the offers and that's the system in a nutshell. It's as peer to peer as you can get online. The key here, is that there are no businesses, so Government regulations don't apply for now which means we can all remain anonymous !!:party:!! Of course, we want some security, and that is what these tools do, they provide a way for us to find each other, and propose and enforce a sensible way for us to de-risk our interactions to avoid being scammed while respecting each other's anonymity. The government would have you believe that only through surveillance, can we expect any sort of safety, while also pretending that data leaks don't happen. Now, honestly, before we can trade Bitcoin, I recommend that you learn (if you don't know already) what Bitcoin is, how to natively handle it from wallets, and what fees to expect, the difference between custodial and non-custodial wallets, and the difference between Lightning and On-Chain bitcoin. I'll give a crash course: \- Bitcoin is often measured in BTC. \- There will never be more than 21,000,000 BTC in circulation. Ever. \- The REAL unit of bitcoin is satoshis (sats) \- There are 100,000,000 sats in 1 BTC \- A maximum total of 2,100,000,000,000,000 sats \- The core of Bitcoin is this decentralised technology that we call "on-chain". \- Users can create "transactions" that reallocate sats from one (or more) "address" to another (or many). \- Addresses are just unique identifiers that look like random unrelated serial numbers. \- We create addresses with Bitcoin wallets. This is all math, no central authority handing out IDs to people. \- If Bitcoin is allocated to an address that we created, then it is locked forever and only WE can reallocate it to someone else. \- That means that if we ask someone to send Bitcoin to an address we own. It is ours. Ours alone. No one can take it from us without physically attacking us. \- All of this actually relies on cyber security. We get a "key" when we create our wallet, and that key is stored on our devices. If the device is compromised, or if we expose our key insecurely (e.g. by taking a digital photo of it and letting it go into the cloud) then anyone who learns the key can use it to take the Bitcoin. This is the difference between absolute ownership (possession based) and legal ownership (identity based, enforced by law if you can afford it or know the right people and the law is not corrupt) \- At first, getting a few bucks or hundred bucks of Bitcoin, you can rely on your mobile phone/laptop for security, but when you are thinking of larger amounts and storing it for years, then we need to explore more advanced ways of creating and securing our wallets before sending funds to them. \- Making transactions on Bitcoin takes about 10+minutes on average and sometimes can cost a pretty penny in fees to bake into the blockchain quickly. \- This is a technical limitation, solved by a fee market. We can't confirm a billion transactions in one go for technical and sustainability reasons, and there is no way to conclusively know which order people are making these transactions without there being a "ruler" who decides that order, so the system is archaic by nature and often a higher fee will get a transaction prioritised over others. \- Some smart people devised a solution called the Lightning Network. It uses some interesting concepts, like shared addresses (multisig addresses), where an address is owned by two people in tandem. One cannot move funds without cooperating with another and vice versa. This plus some other complex things. \- Ultimately, it means that people can create wallets and when they want to spend, they don't need to create a Bitcoin Transaction for every transaction, they can use this Lightning Network technology to effectively record the payment for later. \- The system is battle tested, and hardened, so there is negligible risk that someone can steal money from you just because the transaction hasn't settled on the Bitcoin blockchain yet. The technical details are complex, so I'll leave it at that for now. \- This means that a transaction now happens in seconds, fees are often smaller, especially for smaller amounts, making it suitable for micropayments like penny tips. \- Look for "Lightning wallets", these apps will guide you through setting up a wallet that can take advantage of this technology. \- Custodial wallets are wallets that are basically just apps or interfaces to a company service.. like a bank. \- Non-custodial wallets are apps/software that interface directly with the Bitcoin or the Lightning network. \- Custodial wallets often require usernames and passwords (but sometimes don't -- be careful) \- Non-custodial wallets may provide technical support, but the support teams can't get access to your Bitcoin, so if you tell them you lost some Bitcoin, they can't get it back for you or "refund" you. \- Custodial wallets CAN usually do this under certain circumstances, but often don't anyway. \- Custodial wallets are more familiar, like opening a bank account and then its all familiar. \- Non-custodial wallets require you to understand what you are doing, they use unfamiliar terminology. It can be a little painful to understand, but doing so is WORTH IT. Again, custodial is like leaving your money with your parents and asking them every time you want to give someone money. You never actually touch the money yourself. Non-custodial is like dealing with cash, but if you drop your wallet, or someone steals from you, the consequences are final. I'd still recommend holding your own cash. When a custodian gets hacked, the consequences are often yours to bear, not theirs, and since they are big centralised companies, hackers are more likely to target them than you. You just need to learn some basic skills like "not prancing about telling everyone how much bitcoin you have and where you live" so that you aren't low hanging fruit for hackers. This was a lot. I hope some of it is useful. Good luck.

StaticAutomatic202

From what I gathered online, this is still not possible until 2029 and there is a lot of time until then to come up with quantum resistant upgrades for all blockchains. IMO the only risk here is the majority of BTC miners ignoring quantum risk, but that's unlikely to happen

Sin-City-Sinner

There is no correct answer for this, in my opinion if you got in at 65 you should not have any regrets or FOMO, if it goes down even more by more if you can, in my opinion I think there is definitely a chance it could go down to 50 K I don’t think it will go down much past that and if it does then I would start to panic, by buying in at 65 is 50% less than the ATH just about, IMO, you did real well!

HesitantInvestor0

Adding to your point, inflation does not just make things cost more. It also chips away at the value of whatever you have already saved, and I think that part gets overlooked all the time. You can be earning more every year, saving more every year, and watching your cash pile grow, and still be getting poorer in the only sense that really matters. If your money is growing at 2% but inflation is running at 5%, the number in your account goes up while the actual buying power of that money keeps falling. That is the real insidious part IMO. There comes a point where you are adding more dollars every year and still losing ground every year. Your stored value is being eaten away faster than you can rebuild it. That is why inflation is not just about cost of living. It is also a wealth destruction story, especially for anyone trying to save in cash.

semanticweb

IMO CLARITY act without yield for holding stable coins is good for Defi

Dmarine999

Bitcoin won't help with near-term day-to-day critical necessities. In fact, had these folks allocated a small portion of their income to BTC near highs, they'd be in even more dire straights. IMO, one should only stack sats with funds they won't need for at least five years, preferably, 10. But I'm very conservative.

DangerHighVoltage111

> UTXO commitments would allow everyone to run a pruned node. IMO, it solves most of the issues you mentioned The trilemma was perfect. Quick and easy to explain everyone got it and everyone stopped looking for solutions. Everything went L2 without realising: "How do all these people even get onto our L2s?"

Survivalist2

Hey man! I am new in Bitcoin too. I wanted to buy bitcoin when the price was 17.000€ . I didn’t. I invested some money into BTC last year. I think mostly because of FOMO. First purchase was totaly based on feelings and not on any research. Later, I started reading about bitcoin, listening to podcasts, watching yt videos, and it opened another world for me. You see, I invested before in other assets like ETF’s , so that means im not totaly new into this right? I was so wrong! Bitcoin is an investment on another whole level, and the whole cominity is just amazing. My advice is, buy the dips and DCA as long as you can, because IMO you won’t be able to do that in the future.

Available_Reindeer70

Chances are we will see 40k IMO. Just DCA down and up. Do not sell

djscoox

Could be. The 4-year cycle IMO is related to US 4-year presidential terms. It could also be coincidental, or even a self-fulfilling prophecy. There is nothing inherent in Bitcoin that would establish a 4-year cycle, and yet we do observe 4-year cycles. It's pretty fascinating.

BlueThor400

I’ve read where the FED wants to cut its balance sheet in half. Wouldn’t that be deflationary? And then, wouldn’t you want USD? Sounds like USD in the 1990s. BTC dead IMO on so many levels.

Boring-red

Do you need access to this money in the next 12 months? I’d probably hold most as cash. If you’re certain you won’t need this money then throw it in bitcoin IMO. Nothing is a sure thing when it comes to investing. But given the history of bitcoin I’ve very confident that we will continue to go up from current pricing when you look years in the future. That’s what I would do. Obviously it’s whatever your risk tolerance is as well. If you can’t handle seeing your investment drop 20% don’t buy bitcoin because we have no idea where the bottom is and we could still see it drop a bunch before it rebounds.

flish6760

I'm out of crypto. I feel the use case for Bitcoin was not fullfil even when the dollar was dropping. The Clarity Act will destroy crypto IMO

Rough_Union2937

I would put every cent into BTC but that's just me. The rest is a casino IMO

Electronic_Quote399

Hbar and xrp are all hype, no substance. Bitcoin is your safest bet but if you want those exponential gains, you'll need an altcoin that has a solid base and some real utility. Ethereum is #2, so, may be the same deal as bitcoin and you may not see really massive gains. Good long term hold, though. Especially right now. 2k is a great starting price. Solana is the core of my portfolio and the one I have the highest hopes for. Current prices, $80-$85 is a steal. The large majority of meme coins and meme trading platforms live here. HYPE is really hot right now, not sure if the price will dip before it rallies, but they're building some really cool stuff. They just released the first 24/7 crude oil and s&p 500 perpetuals, and a portion of all trading fees go to buyback and token burns. O have high hopes for that one too. If you want a couple moonshots, there's Keeta, Morpho, or Ethena. All of them are small enough market caps to give you massive gains if they catch on. Avalanche is great and could fit into that category as well. Dogecoin is more than a meme coin now, it just reached the status of registered security, so its a lot safer than a normal meme coin now, and is used for all kinds of payments for gig apps and stuff. People who tell you to just buy bitcoin, in my opinion, are generally just lazy about it and lost money on altcoins in the past. Bitcoin is the OG but it has no legitimate uses. Its a glorified meme coin, it gained so much popularity because it was the only coin out there for so long, and its usually what people start out with. But its got no functionality and IMO, the days of bitcoin dominance are coming to an end. I'm sure it will still run the show for a while because of its size and market dominance, but people will eventually rotate out and start moving towards functional crypto currencies.

anymonero

UTXO commitments would allow everyone to run a pruned node. IMO, it solves most of the issues you mentioned. I think Mimblewimble is the only protocol that implements it to date.

pleebent

Well done. ETF that tracks the underlying and are regulated to actually hold and buy Bitcoin is the equivalent IMO. When you buy Blackrock Bitcoin ETF, Blackrock then has to go and buy Bitcoin to match what people buy. Yes it’s like the same thing. It’s like when you buy an S&P ETF. You are buys shares of all the companies in the S&P weighted accordingly.

pleebent

Well done. ETF that tracks the underlying and are regulated to actually hold and buy Bitcoin is the equivalent IMO. When you buy Blackrock Bitcoin ETF, Blackrock then has to go and buy Bitcoin to match what people buy. Yes it’s like the same thing. It’s like when you buy an S&P ETF. You are buys shares of all the companies in the S&P weighted accordingly.

ThirdStrike00

This is the best way to maintain perspective through a bear market IMO.

Lotsavodka

The whole crypto world and stock markets get manipulated every day by people and funds who have a lot more money than us. IMO they want our BTC for cheap and by the looks of things they are getting it. Who’s selling right now? I’ll never sell it unless it’s worth so much I can retire.

No-Wrap3568

Cypherock X1 BTC only edition is the best IMO, has the maximum use cases that a cold wallet can have and the architecture is more secure than most other hardware wallets in the market

respectandmanners

No margin call is jaw-dropping, IMO

Devexperts

Online presence doesn't always tell you whether the team behind a project is legitimate or not. And neither do the whitepapers. There are good projects out there that hardly ever post anything, and bad projects with very thorough whitepapers. Non-bullish environments are the best test IMO. Projects that hunker down and improve what they're building regardless of the price action often have staying power.

Prior_Parsley3960

This is, in all honesty, a massive conversation to have...so I will try and be as brief as possible (leaving out tons, obviously). I think BTC's (or any legit crypto asset) biggest strength is for those in bad situations around the world. \-Inflation hedge: I am not talking about USA'ers complaining about 10% inflation. I am talking about people with inflation in the hundreds/thousands of % that also lack access to other currencies because of their own governments/situations. For them, BTC, the US dollar, whatever are actually appreciating assets (vs their own currency). \-Risk of seizure ("all your base are belong to us" meme): self custody helps to alleviate the risk of your own government/those in power grabbing your stuff. \-Capital Controls (in places like China): capital is not allowed to flow freely in/out (lol at people calling for China to become the world's reserve currency based solely on this); people are then forced to "invest" locally (either in a stock market they do not trust or things like property, which helps create/perpetuates the bubble they are currently experiencing). \*Then there are the second order affects from those three things: difficult to start/run a business under hose circumstances (deal with other businesses/customers, etc...which then make it difficult for a society to grow and thrive. Of course there are tons of other benefits: stocks onchain, general settlement of transactions, verifiable ledger, transmission, lowering of fees for businesses (and, hopefully, consumers), etc., but these are all secondary IMO. Anything we use as a medium of exchange (shells, beads, beanie babies, US dollar, BTC, whatever) only has value because we all say it does/believe it does. As soon as we decide otherwise, it becomes worthless. \*this excludes things that actually provide utility/are of actual use So any comment against BTC/crypto that relies upon that can just as easily be used against most any other "money"/medium of exchange. ...this should cover its "use" and "recruiting new believers" attacks I don't hold companies failing against BTC/crypto anymore than I do banks/financial institutions failing against the dollar. These are two separate things and why I am in favor of rules and regulations (medicine/drugs, food, financial institutions, etc.) It's place/position, as it relates to other assets, is beyond most any single person's ability to define. It is for the market to define. If we could predict its price action (vs other assets, when events happen, etc), we would all be billionaires. BTC being first + the way it is setup/governed/controlled (or not) does make it "unique". It is for the market/people to decide how valuable that is/is not. There are tons of things to be worried about though: quantum, security budget, mining (expense and actual energy use), people's belief in it (or any medium of exchange), etc.

dember90

Should be open sourced and audited for it to gain traction IMO

DaVirus

Oh absolutely. It would slow down adoption, put it back mostly in the hands of cypher punks and decapitalise the corporate shareholders. All of this is actually good IMO. Painful for fiat price for YEARS but would never kill it. And then governments would continue doing what they do and countries would still be bankrupt and Bitcoin would still be ther to be a fall back when shit hits the fan. The intermediate winter would still be temporary, which is the question the OP asked.

NilNow

There’s some vague language about active vs passive rewards. Maybe it’s like, you need to play a quick game on Coinbase every month to get the rewards. It may not be as bad for them as the market is assuming. Also, on behalf of broader crypto just pass the damn bill. The benefits to the industry IMO outweigh the concerns of a couple companies that basically want to just coast on a bank-lite business model. Coinbase and Circle are flexible companies that spin up new products pretty quickly - can they really not pivot here?

clemain

Tangem 3 cards it’s the most convenient IMO

anymonero

Technically yes, but I don't see why. Nobody is selling cryptocurrency because of a chicken shortage in Serbia but they do because of Trump's tariff threats. IMO, both have the same amount of relevancy to the value of cryptocurrency.

ThreeTonChonker

1. Low transaction and long time to settle are assuming that BTC is being used for millions of transactions daily like a credit card. If it’s used like a store of value, then it’s no problem. Either way it’s a a question of whether the scaling is needed. Right now if BTC addresses this problem, it would be addressing it as a theoretical problem, not an actual one. IMO the bigger question is how you even get the masses to use BTC as a currency and getting tax laws to play along. 2. Power consumption has always been the lamest FUD. Eventually the human race will be constructing Dyson spheres around the sun to fuel space travel. Right now BTC is a blip on the power consumption radar, especially compared to AI data centers. The real problem here is that the cost of upgrading electrical grids is being put upon taxpayers instead of the companies causing the increased demand. This is because states ultimately want the business and income from whatever company needs the increased power supply. They know if they say, “fine we will upgrade our infrastructure if you pay for it” then there’s going to be another state that was planning to upgrade anyway and wouldn’t charge any extra.

Hairy_Purple9672

transactions would be to expensive IMO. I mean ETH main net loses a lot to Base for how cheap it is, and SOL is just way to cheap also. If they could get the gas fees down somehow it would be great!

word-dragon

Hot wallets are all unsafe, IMO. I use BlueWallet as a read-only wallet, with an air gapped signing device to do transactions with. Keys stay off the net, where DragonSword can’t find them.

KateR_H0l1day

With the STRC success, and Strategy buying BTC in volume, many investors are happy to get a steady income stream thanks to BTC. This is giving valuable support to BTC, that’s not been seen before in the downturn, the normal cycle has been disrupted by ETF’s and BTC-TC’s. This is not to say there won’t be another leg down, because I think it will go down again, but not to levels many are predicting! Just IMO of course 🤷‍♀️

kokoricky

If you mean by marketcap no. I think bitcoin is up there for a lot of abstract reasons (first mover, store of wealth, years of stability, symbolic meaning of missing founder). By can it give eth and solana a run for their money? IMO it’s the best contender for that job. If it can do that then it might have a shot at giving bitcoin a blackberry moment.

Timstertimster

agree theoretically but in practical terms it's not up to snuff. it's still really slow and really costly. SOL isn't that much better in the scheme of things but it's an improvement. IMO we will one day see a genuinely useful smart co tract platform but it sure as hell ain't gonna be open source nor decentralized.

semanticweb

IMO Bitcoin ecosystem will be quantum resistant eventually. Due to its decentralized nature things are moving slow. This NEWS is a proof that things are moving.

Trade_Logic_

I think the institutions buying onto Bitcoin changes everything. Most people are still trading Bitcoin like it’s 2017. But structurally, Bitcoin has changed, It used to be a 90–100 vol asset today it’s closer to 40–50 vol. That shift changes everything. Early Bitcoin cycles were violent. 2011 → -94% 2013–2015 → -86% 2017–2018 → -84% 2021–2022 → -77% Huge upside… but catastrophic downside, that was the cost of an immature market. As Bitcoin matured, volatility compressed. Approx ranges: 2011–2014 → 90–120% vol 2015–2018 → 80–100% 2019–2021 → 60–80% Today → \~40–60% This is what asset maturation looks like IMO

micskeens

IMO Ronin $RON is a sleeping giant , it’s a crypto gaming chain with tons of Play 2 earn crypto games on its network , Def worth doing some research on !!!

Express_Smile6163

IMO, we're still in a local uptrend up to 80k max, but likely to reverse back under 60k. Cheaper price is what I want.

samkb93

Best wallets IMO are trezor and keystone 3 pro but ledger is the most widely natively integrated

Gloomy_Dependent_985

I’m not him but IMO the recent rise was mostly a bull trap accelerated by saylor buying around 3 billion in bitcoin. I don’t think the fundamental pattern has changed, but there’s more of a safety net to catch the price from going too low. Saylor has effectively removed 750,000 bitcoin from the active trading pool (estimated at 4 million btc), which is actually very significant. Instead of seeing lows of around 35,000-40,000 we might be closer to 50,000. Then of course the bull run will also be accelerated as the supply squeeze will be stronger than ever before.

bjjfan23113

IMO, demo trading is genuinely underrated for building discipline before going live. Bitget's demo is probably the most beginner friendly right now realistic feeds and easy to switch to live when you're ready. One thing worth thinking about alongside the trading side though is what you do with holdings you're not actively trading. Been keeping the idle stuff on Nexo, earns yield while it sits fr. Keeps the non trading portion working rather than just dormant and I'm not that stress anymore like before lmao.

BaconGreaseShot

IMO BTC is the solution through the crisis phase of this fourth turning. You're spot on with your observations.

FractalEnemy

I used to frequent this sub but the mods became trigger happy with deletions and bans. It wouldn't surprise me if they are actually no-coiners. To your question, if the bear market pattern repeats then the price should dip below the 200w moving average before establishing a bottom. That hasn't happened yet. IMO there is another leg down, but the timing is unclear. Many are calling for an October bottom, but Bitcoin has a habit of bucking consensus.

KateR_H0l1day

Therefore, a good time to enter the market, rather than chasing through FOMO. Just IMO of course 🤷‍♀️

Rare_Rich6713

Yeah I get it, that's why there is a testnet coming up soon, that should do IMO.

Ok-Vegetable-8900

If you’re coming from stocks and thinking long-term, I’d stick mostly to majors and only take small bets on smaller caps. My core watchlist right now: Bitcoin – still the cleanest macro bet. It’s basically becoming digital gold with strong institutional flows and ETF demand. Ethereum – backbone of DeFi and smart contracts. Upgrades are improving scalability and keeping it relevant long term.  Solana – higher risk but strong growth in apps, trading, and user activity. Feels like the “high beta” play in this cycle.  For smaller caps, I’d only look at projects with real infrastructure use cases (like oracles, DeFi rails, etc.), not hype narratives. IMO the edge isn’t picking the perfect coin, it’s position sizing and not overexposing to speculative stuff. Most people lose by going too far down the risk curve too early.

isaacvictory

ETH and SOL are pretty solid picks IMO. The others you listed still have active ecosystems, but like all alts they depend a lot on market cycles and adoption, so I’d treat them as higher-risk plays and diversify rather than going heavy on one. Been checking CoinDepo lately 24% annual interest looks solid. On top of that, they’re giving up to $15 bonus per $100 in new assets, and they roll out new offers pretty often. If you’re holding coins anyway, stuff like that can be a decent way to earn while you decide your long-term positions.

Reyeslgdr

I think it depends on what people are actually buying. Find a platform like fomo family that lets you copy trades of the people making the biggest moves or to just watch out for the trending ones. IMO It's a more honest way of tracking what's trending that isn't hype listening.

user_name_checks_out

> IMO BTC growth & adoption acceleration would be best served by converting to measuring in Satoshi. IMO there is no need to grow or accelerate the adoption of bitcoin. Bitcoin already serves its purpose perfectly well. Everyone buys bitcoin at the price they deserve.

TridentTradingTech

Crypto is helping the unbanked people of Nigeria and that leads adoption there IMO.

3DigitIQ

Again a thing blockchain was going to change, just to bad it's gone this way IMO. Nearly indistinguishable from the stock market and it's shenanigans.

Romanizer

Basically, yes. That's why it's not really applicable here. Intrinsic value comes from said cash, while cash doesn't have any intrinsic value on itself. That argument doesn't really lead anywhere, IMO.

word-dragon

I’m always amazed when people want to take simple problem and make it complicated. One bank box for $1000 per decade is much simpler to manage than 2 law practices (which may retire and pass you on to another one), IMO. And safer, too, I think. KISS is always my path,

Romanizer

Since stablecoin yield is offered, Bitcoin grew at an average of 37% p.a. Stablecoins yield up to 10% through combination with lending. However, you could also lend your Bitcoin for 6-7%, both very risky IMO. Therefore my point stands, holding Bitcoin is better than holding stablecoins even at maximum yield.

AutisticGayBear69

You’re not missing anything IMO. It’s a thing for many North Americans though.

KateR_H0l1day

No, I don’t mean as a currency, in my way of thinking we mainly buy for the future where we can increase the value of what we bought. Whether we sell it, leave it as part of our inheritance to others of our choice, we are at the end of it all basically looking to improve our financial position. Yet among this mentality there are some things that we can obtain, use and enjoy, while simultaneously increasing the value. I like a new car every so often, my husband refuses to buy a new car, we use them virtually daily, my car has lost value every year, my husband’s car has gained $20K in value over the last two years. It’s like buying art, it can be an investment and something you can visually appreciate every day. But, of course not all art goes up in value, nor do people tend to sell, it often becomes part of that inheritance, but you can have had years of enjoyment from it before that happens. I’m not comparing BTC to things like cars or art, but there’s lots of things beyond currency and hard assets like gold. Some people invest as a means to get a second home or a larger home due to children for example. I’m only comparing it as a means to an end, we each individually have our own end goal. But, what I do know is that if I look at the value of currency, say the USD 5 years ago it’s actual value has gone down every year. I think I can accurately predict that it’ll go down for the next 5 years, so I know I have to live with that as a fact of life. There are so many things we can choose to do to help protect ourselves from this fact, most come with risk, it’s a question of risk assessment. But, I firmly believe it’s about looking to the future today, in regard to what I can do about continually loosing value every year. And, I don’t believe BTC will ever be a real currency in my lifetime. But, of course that’s just IMO 🤷‍♀️

GIGAbtcHodl

Would not care that much on the timing in your case. The important thing is that you DCA, that's the only important thing IMO

Romanizer

Hey OP, I have summarized a few points you could use for that discussion, all bearish on XRP: 1. Heavy dependence on a single company: Ripple still holds a large share of XRP supply and releases tokens from escrow periodically. This creates the perception that XRP is not fully independent but economically tied to one company. Critics argue that a “corporate-adjacent” asset contradicts the decentralization narrative many crypto investors expect. 2. Questionable tokenomics: All 100 billion XRP were created at launch. Unlike Bitcoin, there was no mining process distributing coins gradually. The large founder allocation and ongoing escrow releases create a persistent supply overhang that some investors see as structurally bearish. 3. Ripple’s success does not necessarily require XRP: Ripple provides multiple payment and infrastructure products. In several cases, institutions can use Ripple’s network without actually using XRP. This leads to the criticism that Ripple the company could succeed while XRP the asset does not capture proportional value. 4. Bank adoption narrative vs. actual usage: For years XRP has been promoted as a global bridge asset for banks and cross-border payments. Skeptics argue that if this thesis were truly dominant, XRP would already be an unavoidable part of global payment infrastructure. 5. Regulatory history damaged credibility: The long SEC lawsuit reinforced the perception that XRP’s original distribution model sits in a regulatory gray area. Even though Ripple achieved partial legal victories, the case left a reputational scar. 6. Missing early ledger history (biggest trust issue, IMO): The XRP Ledger lost its first 32,569 ledgers early in the network’s history. While the network still functions technically, this creates a permanent gap in the earliest transaction history. Critics argue that a financial ledger missing its earliest records undermines the “trustless” blockchain narrative. 7. Persistent centralization concerns: Ripple’s large token holdings, its influence over the ecosystem, and the strong branding overlap between the company and the token lead critics to argue that XRP is less decentralized than many other major crypto assets. 8. Strong competition in the payments narrative: Stablecoins, faster banking rails, and other blockchain networks are competing for the same cross-border payment use case. If stablecoins dominate global settlement, the need for a volatile bridge asset like XRP becomes less clear. In Summary: The core criticism is that XRP sits in an unusual middle ground, not fully decentralized like Bitcoin, but also not a traditional equity stake in Ripple. For skeptics, that creates a structural question about whether the token truly captures long-term value.

islandfool

Because it has been proven that people with insider knowledge are making millions though the site. If you want to gamble - cool. I even like the idea of a site where you can gamble on random and benign stuff. But once we get to wars and some of these particular bets, then the platforms should be shutdown IMO. It’s like Roblox - you let the predators go unchecked and now it’s a huge hunting ground for underaged children. No one has to agree obviously. I just think that if patterns start to show themselves and go unchecked over and over then maybe these platforms need to be shut down, even temporarily.

homeless9uy

Bitcoin before institutions… fluid. After institutions… hyperbolic. The largest amount of whales are located where? The USA… all republican related organizations. “Shell companies”… yeah, how about putting your bitcoin into the hands of a larger corporation with mass amounts of extremely hard to audit trails of money. Let alone allow it to be on etf’s and 24 hour trading through multiple unregulated exchanges. IMO… it’s run by the elite right and the plan is to continue tanking the dollar… and then bring those funds back to the USA after foreign countries value has shrunken and we coerce them into take Pennie’s on the dollar in debt from us. Then BAM those digital assets are sent back into the funnel for the elites to prop the dollar up again. Let’s just see if their plan works… THE FOURTH TURNING. if you haven’t read it, then you don’t know what Steve bannon had already advised Trump on as a strategy. Makes chaos look pretty planned to me

OrangePillar

A bitcoin business isn’t more susceptible to this risk than a cash-based one, IMO.

KateR_H0l1day

It’s almost impossible to time the market bottom and top, if you get one of them, you’re extremely lucky. Your plan is good, having a strategy to critical IMO, however you need to do “what if’s”. For example, what if we’ve already seen the bottom, what if it only goes down to $55K. What will you do in those circumstances, will you be missing out and buying nothing? Is your plan to buy with a lump sum, or have you allocated a portion of your salary for weekly or monthly buys? If lump sum, is it an amount you’d be willing to lose, do you have other investments outside crypto, if so, what percentage of BTC do you want to own compared to TradFi? What is your risk level at, for example are you buying BTC from an Exchange/DEX, where will you hold it, do you have a cold wallet already. Or, are you buying an ETF, which one, why, you could buy MSTR with more risk, and bet on it beating BTC, or buy STRC, less risk, get 11% now rotate monthly earnings directly into BTC/MSTR, so many options to decide on!! I don’t think from your OP, or comments, that you have a plan/strategy, you have an idea, but you need to take it further and flesh out the strategy to achieve the desired goals 🤷‍♀️ I honestly don’t think we will drop into the $40K band, that’s my idea, and I’ve built a strategy around that, which is in place today. But good luck 🍀whatever you do

seand26

That's not greed. That's common sense IMO. What's everyone's take on tokenization? I do have concerns about the "you will own nothing" aspect of it. Coupled with the Save Act's digital ID, the runway is set for that mass surveillance system.

never_safe_for_life

IMO, the real concern is counterparty risk. For instance, Coinbase Lend is through a 3rd party company and I don't know jack all about them. Could be the next Alex Machinsky running that shit and spending my Bitcoin on yachts. Said product required an 85% reserve, meaning I'd have to put quite a bit of Bitcoin in their wallet to pull out enough to ride through this bear market. Just not worth the risk.

ChillerID

$QRL. It's built entirely on NIST-standardized post-quantum cryptography, already running in production. It also provides financial-grade digital signatures and audit trails that remain secure even when quantum computers break today’s encryption. Great potential IMO.

BlubberWall

Bitcoin, projects come and go in this space but BTC is king. Getting a nice base of it built up before considering other projects is the way to go IMO

heyheyshinyCRH

We are making our way to send a pin through or close above the daily 50 EMA, currently sitting at 73.2. If we snap up to it now then there will be more downside IMO. Ideally price will pull back before we tap that EMA and we don't touch it until it gets into the 60s. When that happens we usually will blast right through it so hopefully we range from high 50s to low 60s before that happens, that would be a good sign for a legit reversal

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Post is by: absurdcriminality and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1rp2h67/the_coinbase_premium_index_has_flipped_back_above/ I ran into this fact while reading a Bitmex [blog post](https://www.bitmex.com/blog/3-trades-5-March) about trading, and it seemed worth sharing. That’s also not the only positive indicator. Spot ETF flows are in the green as well. >Spot ETF flows have rebounded to more than $1 billion over the past week. BlackRock’s IBIT leads this with daily inflows above $275 million (Feb 24–26), reversing prior cumulative outflows. Even though the charts don’t look very good, indicators are slowly starting to signal a possible reversal IMO. What do you guys think? *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.*

FilmDazzling4703

IMO there seems to be two categories of meme coins. First being hype projects that are trying to ride a wave, either a popular meme or like this a public figure who is getting attention. It seems like this is the majority of the meme coin space and I’m not surprised they burn fast and bright. The second are pure belief assets. Not claiming to have any use case as p2p cash or future utility. Just purely about collective power of individuals and conviction. There are less of these projects, and most of them don’t find a hold in the zeitgeist well enough to establish themselves. But imo the ones that do like SPX6900 are the best options in the meme coin space

minorthreatmikey

The idea is, the interest you pay is less than bitcoin’s average yearly appreciation. Mathematically it makes sense, but mentally, most people won’t be able to do it in practice. IMO, these loans are still WAYYYY too high of an APR. If you take out a loan and the loan is over-backed by your bitcoin, you should be paying 1 or 2% as there is essentially no risk to the lender. However we are not there and Bitcoin isn’t considered prestige collateral yet. That could change over the next decade, just keep stackin for now.

Many_Income_2212

Aside from scammers, if you don’t know how to do it, you **will ** get hit by AML - anti money laundering laws going on in almost every country right now. Meaning you won’t see that 100k. Better off going via a crook and a 10/15% cut IMO

Decentralization-God

Yep … Full agreement on this. Memecoins, Trump coins, Saylor madness, I think crypto or Web3 suffered some heavy reputational hits. It again is mainly Charles who openly talks about how retail people were screwed … Who else is talking like that? I mean critics to its own industry. This is a sign of authenticity and also builder mindset. But if Vitalik somehow restarts Ethereum then sure, I wish him all good too. 2026 and 2027 will be IMO decisive years for this industry. It will either step up or collapse …

wetokebitcoins

I hope she can get this done before she retires. IMO the deminimis is a REQUIREMENT for bitcoin to grow into the role of currency.

planetpluto3

You investment horizon is too short and adds risk. At 3+, it becomes almost risk less. But you have to stomach being in the red for some of that time. IMO, the bear market isn’t done. If you plan to buy and hold for longer, feel free to DCA. The “perfect” lump sum day isn’t here yet.

KateR_H0l1day

Yes it will, but there’s a choice of when to buy and at what price to maximize profit, because the buy in price is always the most critical point in any investment. The Preferred’s offer an alternative now, many are seeing this as an easy low risk at this moment in time, but that will change for many. But, many who don’t like volatility and risk will just keep going for the steady “guaranteed” returns. I personally believe that having this choice was an excellent move by Strategy, financial engineering where it wasn’t known, impressive move! Just IMO of course 🤷‍♀️

KateR_H0l1day

It’s the 🐻market driving people to STRC, once it starts turning 🐂, people will sell and buy BTC/MSTR directly. Just IMO of course 🤷‍♀️

BlackDog990

IMO the cycle exists (in some form) at this point because people think it does. Basically a self fulfilling prophecy at this point. Technically the halvings really don't matter a ton anymore since most btc has been mined. It's all about how traders behave.

roswellralph

HUT has a 10GW total pipeline capacity and is about to start building a 1 GW location in Texas. There is a lot of volatility, but the company is still wildly undervalued for the long term IMO.

Professional-Push680

Hold on tho - what if their situation isn't contextualized as you assume? It could be that he should thank his lucky stars she hasn't run for those same hills. Spending = an action that reveals one's priorities. IMO, everyone should get some personal, private funds to spend at their discretion, but what if he's burned thru that, they're close to broke, and their cats need fed? Bet you didn't think about that, did ya?

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Post is by: jvictor118 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1rmhsun/all_these_ai_trading_agents_are_either_bad_or_a/ I've been building software in fintech for about a decade (sold a trading infra company to Coinbase a few years back) and the current wave of "AI trading agents" is making me lose my mind. Every week there's a new bot promising autonomous trading powered by "proprietary AI." Of course most of them are just if/then rules hitting an exchange API with a ChatGPT skin on top. The industry even has a name for it now - "agent washing" - and it's gotten bad enough that the SEC started filing enforcement actions for people hocking fake agents. They charged two investment advisers in March 2024 for straight up lying about their AI capabilities, and by 2025 they'd set up an entire unit ("CETU") with AI washing as a priority. A founder raised $42M claiming his app used AI when it was literally contractors doing the work manually. The ArtificialIntelligence sub landed on a pretty good litmus test that I think everyone here should apply before touching any of these tools: 1. Does it take initiative, or does it wait for every instruction? If you have to tell it exactly what to do every time, it's a script with a chat UI. 2. Does it handle unexpected situations, or does it crash and need re-prompting? A real agent adapts when the plan breaks. A wrapper just fails. 3. Does it use external tools (APIs, data sources, code execution) or does it only generate text? Most "AI trading bots" are just generating text responses about markets. That's a chatbot, not an agent. 4. Does it remember context across a multi-step task without you repeating yourself? If every interaction is stateless, you don't have an agent. You have autocomplete. The reliability math alone should scare people. Carnegie Mellon built a benchmark (TheAgentCompany) that tested agents on realistic multi-step tasks. The best model they tested completed 24% of tasks autonomously. That's the best one!! And if you assume even 95% reliability per step, a 20-step workflow has about **a 36% chance of finishing without error**. Can't imagine trusting that with my portfolio. Meanwhile at Consensus Hong Kong this year, Bitget's CEO said the quiet part out loud: current AI trading bots are trained on limited historical data and fall apart when markets do something genuinely unfamiliar - like the 10/10 liquidation cascade. In these cases, the ones where your whole P/L is decided, human intervention is still fully required. **Here's what I think almost everyone in this space gets wrong:** They're trying to build agents that make trading decisions. IMO, that's the wrong problem to automate. The decision is the hard part. It's the part that requires judgment, risk tolerance, conviction, and context that no model actually has about your specific situation. Delegating that to an agent is how you get blown up. The right problem to automate is everything around the decision. The research, the monitoring, the risk math... the pattern recognition across your own trade history. The stuff that a serious trader does (or should be doing) but that takes hours and is brutally tedious to maintain manually. **Think about what a firm like Bridgewater does.** They don't have a magic algorithm. They have investment theses that research analysts refine over time and pressure-test against current conditions. A risk desk optimizing risk-return profiles. Analysts providing inputs to all the above based on their reading of current events. It's not a crystal ball - it's disciplined analysis compounding over time. That's the gap agents should be filling. Not replacing your judgment - augmenting your operation so you can make better calls with less manual overhead. Decision support, not decision making. It's not about a super-smart agent, it's about how smart you could be if you had the resources of a group at Citadel. **So I've been experimenting with this kind of thing over the past few months.** I have a multi-agent setup where each agent has a narrow, well-defined job - monitoring on-chain activity, running quantitative checks against my positions, watching for news and sentiment shifts in my specific holdings, tracking risk metrics I've defined myself. They share a common data layer so they're all working from the same picture of my portfolio. None of them execute trades. They surface information, flag anomalies, and make sure I'm not missing something obvious at 2am when I'm not looking at charts. It's early and I genuinely don't know yet whether this will meaningfully improve my returns or just be a simple way to feel informed. But so far it's been working really well - I regularly find myself acting on information I probably would never have noticed before. And the architecture feels right in a way that "autonomous trading bot" never did to me. The agents pass the 4-question test above - they use real tools, maintain context, adapt when data changes - and more importantly, I'm still the one making the call, just with a much better picture of what's actually happening. Curious whether anyone else has landed in a similar place - using agents for the support layer rather than trying to close the loop on execution. Or if the consensus here is still that the only valid use of automation in trading is fully systematic strategies with tight parameters, that it's really not algo trading if the algorithm doesn't do everything. I could see arguments either way. *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.*

Ok-Significance-1399

I like to be open minded, so I can partially agree with you. However, we have to compare, motorola was the first mover for handheld phones. IBM made the first smart phone. They are still alive but behind the competition for providing phones nowadays. If Bitcoin came first, and that is literally it. Then I cannot convince myself that it won't turn out to be like motorala or IBM, aka outdated. I don't think Bitcoin will be outdated, I think there is more to bitcoin than being the first of it's technology. Yes, it has the benefit of the network effect, but a new born in the 2026, will eventually grow up make money and buy bitcoin in the future, that has more to do with the first mover tech, or network effect. Bitcoin will last longer than motorola or IBM IMO, so I had to justify it in a philosophical way, which tech guru's and economists hate, a monetary behavioral phenomenon.

LoveSexDraems

You don’t stat trading with crypto IMO. Good luck!

HesitantInvestor0

It depends on the pathway and the reason. If Bitcoin shot up to 250k this year in a wild run where the macro was tepid, I'd likely sell half my stack. If it took a more gradual path, or if the macro picture changed substantially, I'd probably hold. I don't think it's smart to have only a number in mind. The number doesn't give you enough information IMO.

AkimboPiccolo

Just more fuel for the fire IMO, hope they get eviscerated obviously.

ConfidenceNo6318

Ease of use, air gapped, connects just by holding to back of phone, comes with a back up..extremely safe IMO

FrankSlipHelp

>\\\*\\\*Consider what we know:\\\*\\\* Ok I’ll expect credible sources then. >1. How it’s used to conduct cross-border payments Plenty of info direct from Ripple on this. >2. Ripple owns the majority of shares, primarily (IMO) so they can control the price Coins, not shares. XRP is not a share of stock of Ripple, Ripple did not issue XRP, XRP ownership does not transfer to Ripple ownership. How would owning a majority of coins control price? Look at the daily, weekly and monthly trading volume and explain what price control Ripple’s monthly escrow or other OTC sales could possibly happen. The math doesn’t math. Ask your favorite AI agent to do the math for you. >3. The goal is worldwide adoption/to replace SWIFT Credible source on this? Ripple has stated that they expect to take some marketshare from Swift due to the nature of the technology and banks wanting to have faster cheaper payments without holding nostro vostro accounts, but nowhere have I ever read that the software RipplePayment’s was intended to replace swift. Swift is a secure messaging platform, Swift does not move value, RipplePayments moves value, it is also a secure messaging platform. >How will smaller and mid-size banks adopt the technology if they can’t afford to buy the large amount of xrp needed in their reserve to conduct transactions? They don’t need to hold XRP in reserve, RipplePayment’s is a software suite and when ODL (on demand liquidity) is used no nostro / vostro accounts are needed. >XRP is intended to represent an amount, the amount of money being sent, as I understand it. It would be stupid if it was worth $50 where the dollar is worth $1, right? No. This post is from David Schwartz. >It can’t be dirt cheap. That doesn’t make any sense. If XRP costs $1, they’d need a million XRP which would cost $1 million. If XRP cost a million dollars, they’d need one XRP which would, again, cost $1 million. >Except that higher prices make payments cheaper. Right now, you can buy a million dollar house with bitcoins. When bitcoins where $300, it would move the market too much and be too expensive to be practical. So higher prices make payments cheaper. ~ David Schwartz recently retired CTO of Ripple and co-creator of the XRPL and XRP ~ https://x.com/joelkatz/status/932748963526066178?s=61 Slippage is real, and why moving the market makes payments more expensive, in order to not do that a higher value coin helps with keeping payments cheaper. >Does ripple control the price because THEY HAVE TO in order to KEEP IT LOW to operate as intended? Ripple does not control the price. Let’s use critical thinking here. If this was the case, wouldn’t that have been discovered during the 5 years that the SEC had full access to every financial document Ripple had? Wouldn’t that have been a ‘gotcha’ for the SEC? No, and they know what you don’t, Ripple does not control the price, has no means to control the price, and there is no evidence they have controlled the price. >Is xrp essentially a “hybrid” version of a stable coin (I know it’s not one technically). But it just seems like it has to remain stable or it can’t function as it’s intended. Your logic used here is false, it may ‘seem’ this way to you, but I don’t know where you derive your assumptions from, but from what I have read from you i’d say you need to get info from the source and not 3rd party. XRP is a country neutral crypto currency that has no central authority, stable coins are issued by companies and under regulation by the jurisdictions they are used in. >CAN SOMEONE PLEASE TELL ME IM AN IDIOT AND EXPLAIN WHAT IM MISSING? Not an idiot, but you don’t know what you don’t know. Same for everyone until due diligence is done and even then there is always more to discover about what you don’t know and learn.

Fro3en_Cornchip

OP I think you have missed the boat to take profits when it bounced to 97. I think we can expect more rallies now after a few red months but probably lower highs. Forget your profits this year and just hold and stack more. Right now your DCA amount should be at max chickens IMO and be prepared for some aggressive buying if we hit the 50s and 40s. I’m not sure why people think a multi year bear market. The cycle is still playing out so no reason to think it’s any different. Meh at the end of the day all our opinions don’t mean shit anyway.