Here's a sobering reality: most Americans are still struggling to get the basics of personal finance right. Fresh data on financial literacy reveals that the average adult scores below 50% on a national financial literacy test—and sadly, this score hasn't budged for years.
Why does this matter? Because in a world where you're expected to manage your own investments, understand crypto assets, and make smart wealth decisions, financial illiteracy becomes a real liability. When people don't grasp fundamental concepts like interest rates, risk management, or asset allocation, they're vulnerable to

The EU's latest Crypto Asset Tax Transparency Directive DAC8 will officially come into effect on January 1, 2026. According to this directive, exchanges, brokers, and other crypto asset service providers will be incorporated into a new regulatory framework, requiring them to collect and report user identity information and transaction data to their respective national tax authorities.
This reported data will not be confined to a single country—information sharing will occur between EU member states to fill long-standing tax reporting gaps in the crypto economy. In simple terms, it aims to make

Think about this for a moment.
One person crossed the finish line at 21, then spent six years searching for what comes next. Another had zero formal training but stacked their first million by 25. Someone else built a $5M portfolio by 28—then watched half of it vanish in the next five years. And that guy who finally got his dream car at 30? He totaled it.
Different people. Different speeds. Different outcomes.
The thing nobody tells you: there's no arrival time that's universally correct. Your 22 isn't someone else's 22. Your breakthrough at 35 isn't late—it's just yours.
In crypto and investi

US equities wrapped the session in the green as momentum carried through a holiday-shortened trading day. Both the Dow Jones and S&P 500 hit fresh record closes, marking another leg up in the broader rally. The strength across traditional markets often sets the tone for risk appetite—worth keeping on your radar as macro conditions continue to shift. When equities run hot like this, it typically signals healthy investor sentiment that can ripple into alternative assets.

The S&P 500 just hit a fresh intraday record—and it's no accident. The rally's being driven by growing bets that the Fed might finally ease up on rates. Lower interest rates typically mean cheaper borrowing costs across the board, which historically tends to boost risk assets. For crypto traders, this matters. When traditional markets are riding this kind of momentum and liquidity is flowing, it often creates a ripple effect across digital assets. The question now: will these rate cut expectations hold, or is this just another head-fake? Either way, macro conditions are worth watching closely

As the S&P 500 and gold continue climbing to fresh all-time highs—riding the wave of the Santa Claus rally that's blessed traditional markets—crypto traders are dealing with a completely different script. While equities and commodities celebrate, the digital asset space remains under pressure, painting a sharp contrast between mainstream finance euphoria and the crypto market's ongoing struggles. It's a tale of two markets right now: one basking in record territory, the other grinding through headwinds.

Someone is using Circle's name to cause trouble. A fake press release has recently been circulating online, claiming that Circle has launched a platform called "CircleMetals," which allows users to exchange USDC for supposedly tokenized gold (GLDC) and silver (SILC). Even more outrageous, this fake press release impersonates Circle's CEO Jeremy Allaire and other executives, quoting their statements.
Circle has officially confirmed to the media that this is completely false. A spokesperson clearly stated that the press release "is not genuine." This tactic of using the name of a major company t

Let's talk about the interesting disconnect we're seeing across different chains right now. While Bitcoin and Ethereum are capturing headlines with their price swings, there are some solid Layer 1 and Layer 2 ecosystems quietly gaining traction based on actual usage metrics and developer activity. The question isn't just which chain looks good on the price charts—it's which ones are attracting real transaction volume, growing their developer communities, and delivering tangible improvements even when the broader market is sideways or under pressure. Some chains are proving resilient through bu

While the S&P 500 keeps breaking records as the year-end "Santa Claus rally" kicks into gear, crypto isn't getting the same holiday cheer. Bitcoin and major altcoins are lagging behind traditional equity gains, marking another year where digital assets struggle to ride the coattails of traditional market momentum.
It's a familiar pattern we've seen play out before—when traditional markets rally hard, especially during seasonally strong periods, crypto often gets left holding the short end of the stick. The S&P's new highs are pushing headlines and retail attention toward stocks, while sentimen

Auto loan delinquencies just hit their highest level ever recorded. We're seeing Americans struggle more than ever to keep up with vehicle payments, signaling real stress in household finances. According to economists, this surge reflects broader economic pressures—rising costs, stagnant wages, and tighter credit conditions all playing a role. When consumer debt stress peaks like this, it typically ripples through spending patterns and investment behavior. For those watching market cycles, these metrics matter: financial pressure on regular consumers often precedes shifts in risk appetite and

The S&P 500 just hit an intraday record high, riding the wave of growing rate cut expectations. The market's betting on looser monetary policy ahead, which is giving equities a serious boost. This kind of macro shift typically ripples across asset classes—when traditional markets like large-cap stocks are rallying on dovish signals, it often signals broader appetite for risk assets. Crypto traders should pay attention to these Fed policy signals and interest rate trajectory, as they've historically influenced capital flows into alternative investments and shaped market sentiment.

Here's the core tension in current economic policy: can pro-growth moves like deregulation and tax cuts really compensate for the drag from tariffs? Because let's be real—tariffs are basically a different kind of tax, hitting consumers and businesses. So the bet is that you'll gain more from releasing regulatory constraints and letting companies keep more cash than you'll lose from higher import costs. Interesting thought experiment though: what if we ditched the tariff part of the equation? Where would growth be then? That's the question everyone in markets should be asking right now, especia

By 2025, many new tokens have already emerged, and their performance varies greatly. Some have surged to impressive prices, while others have a quite substantial FDV—this difference reflects the market's evaluation logic of different projects.
From the price trend perspective, among the early-listed tokens, there are strong performers as well as those with mediocre performance. Even more interesting is the FDV (Fully Diluted Valuation) data—some projects, although not particularly outstanding in price, have a lot of room for valuation. This indicates that the market is still gradually digestin

Recently, there has been an interesting phenomenon. A leading exchange just launched Lighter($LIT), and shortly after, a wave of betting on the prediction market platform emerged regarding "what the FDV will be 24 hours after the project launches."
The results are quite fascinating—data shows a clear divergence.
Among the bettors, over 85% believe the FDV will surpass $2 billion. That sounds strong, but looking further up the data reveals something interesting: only 23% are willing to bet it can break $4 billion. The 14 percentage point gap between these figures actually reflects the market's

The ECB's recent signals are worth paying attention to. For months, European central bankers maintained their aggressive stance, but lately there's been subtle pushback—especially as we head into the holiday season. The question isn't whether they'll pivot entirely, but whether they're finally acknowledging the economic headwinds.
When major central banks cool their rhetoric, it ripples through asset markets. Higher interest rate expectations had kept traditional markets volatile, which indirectly affects crypto sentiment. If European policymakers are genuinely reconsidering their aggressive t

Japan's Tokyo Electric Power Company (TEPCO) is set to bring its massive nuclear facility back online on January 20th. The plant, recognized as the world's largest nuclear power station, will resume operations in phases. This development carries broader implications for the region's energy landscape and electricity costs moving forward. The restart addresses Japan's long-standing energy supply challenges and marks a significant shift in the country's post-Fukushima energy policy. Observers note that stable, affordable power infrastructure remains crucial for data centers and computational netw

Holiday shopping report shows Visa payment volumes grew 4.2% during the first seven weeks of the season, but growth momentum is noticeably weaker compared to the same period last year. This deceleration in retail spending could signal shifting consumer behavior and tighter discretionary budgets. Such slowdowns in traditional consumption often correlate with changes in investment flows—when mainstream retail spending cools, capital allocation patterns tend to shift, potentially affecting how investors view alternative assets. The data suggests economic headwinds may be impacting household purch

The number of initial jobless claims in the United States for the week ending December 20th was 214,000, below the expected 224,000. This data exceeds market expectations and may ease concerns about a US economic recession, providing short-term positive momentum for risk assets and the cryptocurrency market.

Recently, regulatory agencies issued risk warnings to investors, exposing a suspicious investment product called "Victory" Sauce Aroma Original Liquor (VSFOLT) and its associated RWA tokens.
The scheme of this product is as follows: promoters claim that there are physical liquor assets and shares of a Hong Kong-listed company backing the tokens, inducing investors to believe that they can share in the profits when the product matures. It appears to be a logical scheme, but in reality, it is a typical case of false asset endorsement.
Why is this a special reminder? Because these "asset tokeniza