Traders are watching $0.127 as near-term support, with $0.137 now the key level DOGE must reclaim to stabilize.
Newrez plans to treat eligible cryptocurrency holdings as qualifying assets in its mortgage underwriting process, a move that could broaden access to home loans for crypto holders.
The change is expected to take effect in February across the lender’s non-agency products, covering home purchases, refinancings and investment properties. While borrowers can already use assets such as stocks and bonds in underwriting, crypto holders have typically been required to sell their positions.
At launch, Newrez said it will recognize Bitcoin (BTC), Ether (ETH), spot exchange-traded funds (ETFs) backed by those assets, and US dollar-backed stablecoins. The crypto assets must be held with US-regulated crypto exchanges or fintech platforms, brokerages or nationally chartered banks, the company said.
Under the policy, cryptocurrency holdings considered in underwriting may have valuations adjusted to reflect market volatility, while borrowers would still be required to cover closing costs and make mortgage payments in US dollars.
Newrez chief commercial officer Leslie Gillin said about 45% of Gen Z and Millennial investors own cryptocurrency, adding that the policy is aimed at broadening access to homeownership among younger buyers.
US regulators weigh crypto’s role in mortgage underwriting
The move by Newrez follows policy discussions in the US over whether digital assets should be considered in mortgage risk assessments.
In June 2025, the US Federal Housing Finance Agency (FHFA) instructed Fannie Mae and Freddie Mac to develop proposals examining how to consider cryptocurrencies as assets in single-family mortgage risk assessments without conversion to US dollars.
Less than two months later, Wyoming Senator Cynthia Lummis introduced the 21st Century Mortgage Act, which would codify the FHFA directive.
Lummis said the bill addresses housing affordability challenges for younger Americans, adding that “the American dream of homeownership is not a reality for many young people” and that the legislation reflects the growing number who hold digital assets.
The bill was read twice in the Senate and referred to the Committee on Banking, Housing and Urban Affairs, where it has not advanced further.
Although limited in scope, a market already exists for crypto-backed home financing, allowing borrowers to use BTC or ETH as collateral.
Mauricio Di Bartolomeo, co-founder of Ledn, told Cointelegraph in June that some Bitcoin holders have used their assets to finance real estate purchases without liquidating them.
Magazine: Here’s why crypto is moving to Dubai and Abu Dhabi
Cointelegraph is committed to independent, transparent journalism. This news article is produced in accordance with Cointelegraph’s Editorial Policy and aims to provide accurate and timely information. Readers are encouraged to verify information independently. Read our Editorial Policy https://cointelegraph.com/editorial-policy
Key takeaways
- XMR has hit an all-time high price of $716 after adding 4% to its value in the last 24 hours.
- The rally comes as privacy tokens have been recording gains since the start of the year.
XMR continues its rally, hits an ATH of $716
Monero (XMR) continued its excellent start to the year after hitting a new all-time high. The coin has added more than 4% to its value in the last 24 hours to hit an all-time high of $716 a few hours ago.
At press time, XMR has slightly retraced to now trade at $708 per coin. The rally means that XMR has added more than 50% to its value in the last seven days, outperforming other cryptocurrencies in the top 20.
Thanks to the ongoing rally, Monero is now the 12th-largest cryptocurrency, with a market cap close to $13 billion.
However, crypto analytics platform Santiment has warned investors that the rising FOMO surrounding Monero could be risky. According to Santiment, XMR’s social dominance peaked on Sunday, while development activity has declined.
“If you are looking for an entry point, consider doing so after social hype and FOMO wears off slightly,” Santiment added.
The coin is currently facing a retracement after hitting the all-time high price.
XMR could rally higher amid growing FOMO
The XMR/USD 4-hour chart is bullish and efficient thanks to Monero adding 50% to its value in the last seven days. The coin is trading at $708 per coin and could rally higher in the near term.
The momentum indicators are in the overbought region, which could result in Monero undergoing a correction.
The Relative Strength Index (RSI) of 84 shows that XMR is overbought, signaling heightened bullish momentum. Overbought conditions in the RSI often lead to a short-term correction, as evidenced by XMR’s recent moves.
The MACD lines are also in the bullish zone, adding more confluence to the market conditions.
If the rally continues, XMR could hit an all-time high of $750 or more in the near term. However, if the market undergoes a correction, the leading privacy coin could retrace towards the support level at $601.
Joerg Hiller
Jan 11, 2026 14:41
Recent analyst forecasts suggest AAVE could rally 18-25% from current levels, with technical indicators showing mixed signals as the token trades at $167.02. AAVE Price Prediction Summary • Short-…
Recent analyst forecasts suggest AAVE could rally 18-25% from current levels, with technical indicators showing mixed signals as the token trades at $167.02.
AAVE Price Prediction Summary
• Short-term target (1 week): $185-196
• Medium-term forecast (1 month): $186-214 range
• Bullish breakout level: $169.61
• Critical support: $162.57
What Crypto Analysts Are Saying About Aave
While specific analyst predictions from major crypto influencers are limited in recent hours, several research firms have published bullish AAVE price predictions for January 2026. According to recent analysis from blockchain.news, Rebeca Moen highlighted on January 3rd that “AAVE price prediction shows bullish reversal potential with targets at $185-195 over next 3-4 weeks, supported by oversold RSI recovery and positive MACD momentum.”
CoinCodex’s technical models suggest even higher upside potential, forecasting that “Over the next five days, Aave will reach the highest price of $196.08 on Jan 13, 2026, which would represent 18.68% growth compared to the current price.” This aggressive Aave forecast aligns with similar projections from Changelly, which estimates January targets between $186.71 and $213.53.
The consensus among these analysts points to significant upside potential, with most AAVE price predictions clustering around the $185-200 range for the immediate term.
AAVE Technical Analysis Breakdown
Current technical indicators present a mixed but cautiously optimistic picture for AAVE. The token is trading at $167.02, sitting above its 20-day SMA of $158.86 but below the 7-day SMA of $168.14, suggesting short-term consolidation.
The RSI reading of 50.31 places AAVE in neutral territory, indicating neither overbought nor oversold conditions. This provides room for movement in either direction without immediate technical constraints. However, the MACD histogram at 0.0000 suggests bearish momentum has stalled, potentially setting up for a reversal.
Bollinger Band analysis reveals AAVE is positioned at 0.73 within the bands, closer to the upper band at $176.45 than the lower band at $141.28. This positioning suggests upward pressure, though traders should watch for potential resistance near the upper band.
The Average True Range (ATR) of $8.28 indicates moderate volatility, providing sufficient price movement for tactical trading opportunities while maintaining relative stability.
Aave Price Targets: Bull vs Bear Case
Bullish Scenario
In the bullish case, AAVE faces immediate resistance at $168.32, followed by strong resistance at $169.61. A clean break above $169.61 would likely trigger momentum toward the $185-196 targets identified by analysts. The upper Bollinger Band at $176.45 represents an intermediate target that could provide temporary resistance.
For the bullish scenario to materialize, AAVE would need to maintain support above the current pivot point of $166.09 and demonstrate sustained buying volume. The neutral RSI provides ample room for upward movement without hitting overbought conditions.
Bearish Scenario
Should selling pressure intensify, AAVE’s immediate support sits at $164.80, with stronger support at $162.57. A breakdown below $162.57 could expose the lower Bollinger Band around $141.28, representing a significant 15% decline from current levels.
The bearish case would be confirmed by a breakdown below the 20-day SMA at $158.86, particularly if accompanied by increasing volume and deteriorating momentum indicators.
Should You Buy AAVE? Entry Strategy
Based on current technical levels, conservative buyers might consider entering near the immediate support at $164.80, with a stop-loss below the strong support at $162.57. More aggressive traders could enter at current levels around $167, using the pivot point of $166.09 as their stop-loss reference.
For those seeking confirmation, waiting for a breakout above $169.61 with volume could provide a higher probability entry, albeit at a higher price point. This approach would target the analyst-projected levels of $185-196 while managing downside risk.
Risk management remains crucial given AAVE’s volatility profile. Position sizing should account for the $8.28 daily ATR, and traders should be prepared for intraday swings of 5-7% in either direction.
Conclusion
The AAVE price prediction consensus points to significant upside potential over the next 2-4 weeks, with targets ranging from $185 to $196 representing 11-18% gains from current levels. Technical indicators support this Aave forecast, showing neutral RSI conditions and potential for momentum reversal.
However, immediate resistance at $169.61 must be cleared for the bullish thesis to materialize. Current support levels provide reasonable risk management parameters for position entry around $164-167.
Disclaimer: Cryptocurrency price predictions are speculative and subject to high volatility. This analysis is for informational purposes only and should not be considered financial advice. Always conduct your own research and consider your risk tolerance before making investment decisions.
Image source: Shutterstock
Australian cryptocurrency exchange DAEX has stopped trading and entered voluntary liquidation, with the liquidator urging creditors to come forward. This development has left investors uncertain about the recovery of their funds, causing concern within the Australian crypto investment community.
DAEX, a cryptocurrency exchange based in Australia, has decided to cease its trading activities and proceed with voluntary liquidation. The decision was announced recently, prompting the appointed liquidator to call on creditors to register their claims. This move has sparked apprehension among investors as they await clarity on the fate of their investments.
The liquidator has emphasized the importance of creditors stepping forward as soon as possible. This step is deemed crucial for the liquidation process, as it will clarify the obligations and assets of DAEX. The process aims to distribute any recoverable assets to creditors, but the extent of recovery remains unclear.
Cryptocurrency exchanges, like DAEX, facilitate the buying, selling, and trading of digital currencies. In recent years, these platforms have garnered significant attention as digital currencies such as Bitcoin have grown in popularity. However, the volatile nature of the crypto market, coupled with regulatory challenges, has posed significant risks to these businesses.
In general, a voluntary liquidation occurs when a company decides, often due to financial difficulties, to cease operations and liquidate its assets to pay off debts. In the case of crypto exchanges, the complexities are amplified due to the digital and sometimes opaque nature of assets involved.
Regulatory bodies often scrutinize cryptocurrency exchanges for their compliance with financial regulations, including measures for custody and market integrity. Effective surveillance-sharing agreements and comprehensive disclosures are typically required to protect investors and ensure market transparency. These regulatory frameworks aim to mitigate risks such as fraud and market manipulation.
In recent years, large financial institutions have begun exploring cryptocurrency-related products, driven by increasing client demand and the potential for new revenue streams. These products offer a way for traditional investors to gain exposure to digital assets while navigating the intricate regulatory environment.
Bitcoin, as the largest cryptocurrency by market capitalization, remains a key focus for such products. Solana, known for its smart-contract capabilities, is another emerging digital asset, providing a platform for decentralized applications.
The risks associated with cryptocurrency products are multifaceted. Volatility remains a significant concern, with prices subject to rapid and unpredictable changes. Liquidity conditions can also vary, impacting the ease of buying and selling assets. Operational risks include technological failures or security breaches, while tracking errors and fees can affect the performance of investment products.
The competitive landscape in the cryptocurrency exchange market is marked by numerous participants and frequent product filings. Approval processes can be lengthy, with amendments and negotiations often required. As such, timelines for new product launches or regulatory approvals remain uncertain.
Looking ahead, the liquidation of DAEX will undergo a standard process involving a thorough review of assets and liabilities. Creditors will be closely monitoring announcements from the liquidator, who may issue requests for comments or updates on the proceedings. The outcome will likely depend on the liquidator’s ability to efficiently manage and resolve DAEX’s obligations.
As the situation unfolds, stakeholders will be focused on potential recovery outcomes and the broader implications for the Australian cryptocurrency exchange sector. The response from regulatory bodies and the impact on investor confidence will be closely watched in the coming months.
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Stretch (STRC), the perpetual preferred equity issued by Strategy (MSTR), the largest corporate holder of bitcoin
STRC last traded at that level between Nov. 4 and Nov. 13, before falling to a low near $90. The return to par allows Strategy to issue shares through at-the-market (ATM) offerings tied to the product.
The equity is branded as short-duration, high-yield credit. It currently pays an 11% annual dividend, distributed monthly in cash. The dividend rate is reset monthly to encourage trading around the $100 par value and to help reduce price volatility.
Since inception, STRC has risen 16% and offers an effective yield of roughly 11%. The annualized yield is calculated as the current dividend divided by the STRC share price.
MSTR raised the dividend rate on STRC to 11% at the start of the year, marking the fifth dividend increase since the product was introduced in July. The company’s common stock is up 4% in pre market trading to $165, while STRC is up 0.03% at $100.
Stablecoin transfer volume on Ethereum surpassed $8 trillion in the fourth quarter of 2025, marking a new all-time high, Token Terminal reported on Monday.
The $8 trillion milestone is almost double the transfer volume figure for the second quarter, which was just over $4 trillion, according to Token Terminal’s chart.
Stablecoin issuance on Ethereum increased by around 43% in 2025 from $127 billion to $181 billion by year’s end, according to BlockWorks.
“This isn’t speculation. This is global payments happening on-chain,” commented “BMNR Bullz” on X. “This is before SWIFT-style integrations, full RWA tokenization, and institutional rails going live.
“The rails are already built. Adoption is catching up,” they added.
Ethereum transactions and addresses peak
The milestone coincided with an all-time high in total daily transactions on the Ethereum network, which hit 2.23 million in late December, according to Etherscan. Ethereum daily transactions are currently up 48% since the same time last year.
Token Terminal reports that Ethereum active monthly addresses hit an all-time high of 10.4 million in December.
Related: Ethereum added $1B of stablecoins almost every day last week
There was also an increase in the daily number of unique addresses that were active on the network as senders or receivers, which topped a million in late December.
Ethereum remains king for RWA tokenization
The Ethereum network remains the primary settlement layer for stablecoins and real-world asset tokenization, with around 65% market share of total RWA on-chain value, which is around $19 billion, according to RWA.xyz.
That market dominance increases to over 70% when layer-2 and EVM networks are included.
Ethereum currently has a 57% market share of all stablecoins issued, with the Tron network in second place with a 27% share.
Tether (USDT) remains the market leader in issuance with $187 billion, equating to 60% of the entire stablecoin market, and more than half of that is on Ethereum.
Magazine: Kain Warwick loses $50K ETH bet, Bitmine’s ‘1000x’ share plan: Hodler’s Digest
- Cardano price was up 10% to above $0.38 as Bitcoin crossed $90,200.
- ADA is eyeing a potential breakout to $2.
- Bulls will look to ride key catalysts in 2026.
Cardano’s ADA token rose more than 10% to trade above $0.38, after buyers pushed the price back above the closely watched $0.35 level that analysts have long identified as a key support zone.
The move comes alongside a broader upswing in the cryptocurrency market.
Bitcoin advanced about 2% to trade above $90,000, providing a supportive backdrop for risk appetite across digital assets.
Major altcoins also recorded strong gains, with Ethereum climbing above $3,100 and XRP jumping to around $1.95, helping lift sentiment toward Cardano.
Elsewhere, memecoins led the day’s advances, posting double-digit increases as Pepe and Shiba Inu rallied sharply.
Hedera also traded higher, adding to the broader altcoin strength.
Cardano reclaims key $0.35 level
Strong buying activity has underpinned ADA’s recent advance, with more than $770 million worth of the token changing hands over the past 24 hours.
Trading volume was up about 34% on the day, pointing to renewed market participation.
Cardano’s price has now moved above its 50-day simple moving average, a level often watched for signs of shifting momentum.
On-chain data also shows improvement in decentralized finance activity, with total value locked on the Cardano network rising about 7% to roughly $231 million, according to DeFiLlama.
While the increase signals fresh inflows, TVL remains well below previous peaks of $544 million in August 2025 and more than $865 million in December 2024.
From a technical perspective, analysts note that ADA had been tightly compressed between the $0.35 and $0.38 levels in recent weeks, creating a fragile setup.
The push above $0.35 is seen as a potential break from that range and could undermine the prevailing bearish pattern if sustained.
If this latest upside momentum holds, short-term targets include $0.42, with potential rally to $0.50.
While risks like a drop below $0.34 persist, Cardano price could rally beyond $0.54 to see bulls eye 2025 highs of $0.73 hit in October. Above that lies the critical $1 level.
In the medium term, crypto analyst Javon Marks says ADA price could target $2.9 with a seven-fold upside potential.
Cardano regains top 10 market cap rank
Cardano extended gains on Thursday, rebounding after briefly slipping out of the top 10 cryptocurrencies by market capitalisation at the start of the year.
ADA has moved back above Bitcoin Cash, with the recovery above the $0.35 level helping restore its position among the largest digital assets.
The rally has lifted Cardano’s market capitalisation to about $13.6 billion.
The move comes alongside broader stability in the crypto market, with Bitcoin trading back above $90,200.
Strength across major altcoins has also supported sentiment, as Ethereum climbed to around $3,100 and XRP advanced about 5% to near $1.95, reinforcing the bullish tone around Cardano.
Peter Zhang
Dec 31, 2025 11:15
VanEck’s Emerging Markets Bonds team explores the implications of gold replacing the US dollar as the reserve standard, estimating its valuation between $39k and $184k per ounce.
In a recent analysis by VanEck’s Emerging Markets Bonds team, the potential of gold replacing the US dollar as the global reserve standard was examined. The report suggests that if central bank money liabilities were matched to gold reserves, the precious metal could be valued between $39,000 and $184,000 per ounce, according to VanEck.
Gold’s Valuation and Economic Implications
The valuation of gold at such high levels underscores its potential as a stable financial asset amidst economic uncertainties. The study by VanEck considers the global monetary supply and central bank gold purchases as key indicators for this valuation model. The SGLDWDUQ Index, which measures global gold demand based on central bank net purchases, and the Global M2 CIX Index, which assesses the global M2 money supply, were utilized to support their findings.
Potential Impact on Global Financial Systems
Should gold become the reserve currency, it would represent a significant shift in the global financial landscape. Such a change could affect international trade dynamics, monetary policies, and economic stability worldwide. The transition to a gold standard could also influence foreign exchange markets and the valuation of global currencies.
Risks and Considerations
While the idea of gold as a reserve currency presents intriguing possibilities, it is not without risks. Gold investments are subject to market fluctuations and geopolitical influences, which can significantly affect their value. Moreover, investments in gold-related securities involve exposure to various risks, including those related to emerging markets, currency fluctuations, and political instability.
Broader Market Implications
The potential revaluation of gold could have widespread effects on financial markets, impacting commodities, currencies, and investment strategies. Investors and policymakers would need to consider these dynamics when planning for economic growth and stability. As with any investment, the possibility of loss remains, and diversification strategies may not fully mitigate these risks.
VanEck’s analysis highlights the importance of considering alternative financial standards in a rapidly evolving global economy. While the future of gold as a reserve currency remains speculative, the discussion prompts further exploration into the role of precious metals in financial systems.
Image source: Shutterstock
Solana spot exchange-traded funds (ETFs) made a notable entrance into the financial market, rapidly garnering investor interest and capital. This quick traction highlights a burgeoning confidence in Solana-based financial products as a viable addition to the ETF landscape. As these funds gained momentum with substantial early inflows and increased liquidity, their introduction marks a significant development for investors looking towards new digital asset opportunities. The rise of Solana ETFs could alter the dynamics of cryptocurrency investment, challenging existing players and expanding choices for portfolio diversification.
The launch of Solana ETFs, despite occurring late in the year, quickly captured the attention of market participants due to the combination of strong brand recognition and the increasing popularity of blockchain technology. Solana, known for its fast transaction speeds and low-cost fees, offers an attractive alternative to Ethereum, making its ETFs a compelling option for investors seeking exposure to the cryptocurrency market. The ETFs experienced a robust inflow of capital, underscoring investor confidence in Solana’s potential to deliver promising returns. According to market analysts, this rapid uptake may signal a broader acceptance of cryptocurrency ETFs as mainstream investment vehicles.
The emergence of Solana ETFs fits into a larger trend of growing adoption of cryptocurrency-based investment products. Over the past few years, Bitcoin and Ethereum ETFs have paved the way, gradually building investor trust and regulatory acceptance. Solana’s entry into the ETF market leverages the groundwork laid by its predecessors, benefiting from the increasing institutional interest in digital assets. The entry of Solana ETFs could further democratize access to cryptocurrency investments, providing a regulated and simplified method for investors to gain exposure to Solana without directly purchasing the asset.
Despite the promising start, Solana ETFs face certain challenges that could impact their long-term success. Regulatory scrutiny remains a significant concern as financial authorities continue to grapple with the implications of cryptocurrency products. The Securities and Exchange Commission (SEC) and other global regulators are likely to maintain a close watch on these funds to ensure compliance with established financial norms and investor protection standards. Any regulatory changes could alter the landscape for Solana ETFs, potentially affecting their accessibility and appeal.
Moreover, competition within the ETF market is fierce. With established ETFs backed by Bitcoin and Ethereum already securing significant market shares, Solana ETFs must differentiate themselves to attract sustained investment. The competitive pressure may drive fund managers to innovate and develop unique features or strategies to capture investor attention, such as offering lower fees or enhanced exposure mechanisms. As the ETF market evolves, Solana ETFs will need to navigate these competitive and regulatory challenges to maintain their growth trajectory.
Market participants are keenly observing the performance of Solana ETFs as they enter 2026. Analysts anticipate that their success could pave the way for more diversified cryptocurrency ETF offerings, encouraging other blockchain projects to explore similar financial products. The forthcoming months will be crucial in determining whether Solana ETFs can maintain their initial momentum and establish a lasting presence in the market.
Looking ahead, the potential expansion of Solana ETFs hinges on several key factors. Investors and fund managers will closely monitor regulatory developments and their impact on the broader cryptocurrency ETF market. Additionally, the ongoing adoption and technical advancements of the Solana blockchain itself will play a crucial role in supporting the funds’ credibility and attractiveness. As the financial landscape becomes increasingly digital, Solana ETFs represent a pivotal moment in the evolution of cryptocurrency investments, offering both opportunities and challenges as they seek to redefine traditional investing paradigms.
In summary, the late 2025 debut of Solana spot ETFs marks a significant milestone in the ongoing integration of digital assets into mainstream financial markets. With strong initial demand and the potential for broadening acceptance, these funds are positioned to influence the future of cryptocurrency investments. However, their journey is fraught with regulatory challenges and competitive pressures that will require strategic navigation by fund managers and stakeholders. As the world of finance continues to evolve, Solana ETFs will be an important development to watch, promising both innovation and complexity in the intersection of technology and investment.
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