America’s retirement landscape is undergoing a fundamental transformation as millions approach retirement age, shifting focus from accumulation to distribution. Vanguard’s groundbreaking ‘How America Retires’ report reveals advisors must adapt to serve the massive wave of retirees needing income strategies, with over 4 million Americans turning 65 in 2025 and more than 100 million participating in defined contribution plans. This demographic shift represents both an urgent challenge and significant opportunity for financial professionals navigating the complex transition from saving to spending.
about Vanguard: Retirement Shift from Saving to Spending
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Posts generated last weekBitwise CEO: Bitcoin Bear Market Nearing End, New Cycle Ahead
Bitwise CEO Hunter Horsley suggests Bitcoin’s six-month bear market may be concluding as new market dynamics emerge. With Bitcoin ETFs and institutional adoption reshaping the landscape, traditional four-year cycles may no longer apply. Industry leaders point to stronger fundamentals despite recent price declines toward $94,500 and correlated drops in crypto-linked stocks.
about Bitwise CEO: Bitcoin Bear Market Nearing End, New Cycle AheadWeb3 Security Crisis: Why DYOR Fails Against Crypto Scams
As cryptocurrency adoption accelerates, the foundational principle of ‘Do Your Own Research’ is proving dangerously inadequate against sophisticated Web3 threats. Advanced scams leveraging AI deepfakes, address poisoning, and sophisticated malware are creating an environment where stolen digital assets become permanently irrecoverable, forcing the industry to confront the urgent need for security solutions that protect users without compromising decentralization.
about Web3 Security Crisis: Why DYOR Fails Against Crypto ScamsCoinbase Slams Banks’ ‘Unamerican’ Stablecoin Reward Ban Push
Coinbase has launched a fierce counterattack against major US banking associations seeking to ban merchant rewards for stablecoin payments, calling the proposal “unamerican” and warning it would stifle competition and consumer choice. The clash centers on how regulators should implement the GENIUS Act’s restrictions on stablecoin interest payments, with banking groups pushing to extend prohibitions to third-party benefits while Coinbase argues this overreach would protect banks’ $180 billion in annual card fees at consumers’ expense.
about Coinbase Slams Banks' 'Unamerican' Stablecoin Reward Ban PushInvestors Split on December Fed Rate Cut Prospects
Investor expectations for a December interest rate cut have diverged significantly, with CME Group data showing nearly 67% probability while sentiment surveys reveal only 46% anticipation. This disconnect comes amid declining market optimism and cryptocurrency market weakness, creating uncertainty around Federal Reserve policy as major banks project multiple rate cuts in 2025 despite current hesitation.
about Investors Split on December Fed Rate Cut ProspectsBIT Narrative Reshapes Solana with iGaming Meme Tokens
The BIT movement is quietly transforming Solana’s infrastructure by merging meme culture with real iGaming utility. This emerging narrative is creating asset-backed tokens with millions of active users and direct DeFi integrations. Analysts see this as the next evolution of sustainable meme economics on the blockchain.
about BIT Narrative Reshapes Solana with iGaming Meme TokensBinance Accepts BlackRock’s BUIDL as Trading Collateral
In a landmark move for institutional crypto adoption, Binance has begun accepting BlackRock’s USD Institutional Digital Liquidity Fund (BUIDL) as off-exchange collateral, bridging traditional finance with digital asset trading. This integration allows institutions to maintain custody of their assets while using tokenized Treasury products to support trading positions on one of the world’s largest cryptocurrency exchanges. The partnership represents a significant advancement in the adoption of real-world assets (RWA) as collateral within centralized trading platforms, while simultaneously expanding BUIDL’s utility beyond Ethereum to BNB Chain.
about Binance Accepts BlackRock's BUIDL as Trading CollateralRipple Skips IPO Despite $40B Valuation After SEC Win
After securing a landmark legal victory against the SEC declaring XRP not a security, Ripple is making a surprising strategic decision. The $40 billion crypto company confirms it has no plans to go public, bucking industry trends and revealing deeper tensions between crypto firms and traditional markets.
about Ripple Skips IPO Despite $40B Valuation After SEC WinXRP ETF Launch: $10 Price Target or Market Joke?
Market commentator Robert Ledferd has issued a stark warning about XRP’s future as multiple ETF filings hit the market. He argues that if XRP fails to reach double-digit prices despite institutional backing, it risks becoming what he calls the ‘joke of the year.’ The comment highlights the high stakes for XRP as it transitions from speculative asset to institutionally-supported cryptocurrency, with the first US Spot XRP ETF from Canary Capital already trading on Nasdaq since November 13, 2025.
about XRP ETF Launch: $10 Price Target or Market Joke?Bitcoin Breaks Key Support, Risks Losing 2025 Gains
Bitcoin has plunged below critical support levels, signaling potential deeper losses ahead as the cryptocurrency risks closing below its 50-week moving average for the first time since 2023. Current price action suggests the two-year uptrend that has supported Bitcoin’s bull market may be breaking down, with BTC now dangerously close to erasing all its 2025 gains.
about Bitcoin Breaks Key Support, Risks Losing 2025 Gains