Pi Coin has struggled since late November. After peaking near the end of the month, the price has dropped roughly 28%, erasing most of its earlier gains. Over the past seven days alone, Pi Coin is down about 8.6%, and over the past three months, losses now exceed 40%.

Despite that weakness, the latest chart data shows something new forming beneath the surface. Momentum pressure is starting to shift, raising the question of whether the correction may be nearing a pause. Will the pause lead to a rebound or a complete reversal? Time to find out!

Momentum Pressure Is Easing, But Buyers Are Still Hesitant

On the daily chart, Pi Coin has formed a hidden bullish divergence between November 4 and December 11. During this period, price made a higher low while the Relative Strength Index made a lower low. RSI measures momentum by tracking the speed of buying and selling. When price holds higher levels while momentum weakens, it often signals that selling pressure is starting to fade.

Want more token insights like this? Sign up for Editor Harsh Notariya’s Daily Crypto Newsletter here.

This type of divergence usually appears near the end of sharp dips. It does not confirm a reversal by itself, but it often precedes rebound attempts when sellers begin to lose control.

However, momentum alone is not enough. The Chaikin Money Flow, which tracks whether large buyers or sellers are dominating volume, is still flashing caution. CMF remains close to testing its descending trend line (connecting lower lows) and is also trading below the zero line. This shows that big money flows have not turned supportive towards Pi Coin, yet.

In simple terms, selling pressure looks weaker, but the big buyers are not fully committed. That keeps the rebound setup fragile. Until money flow improves, upside attempts are likely to face resistance. And if the CMF breaks below the trendline, the rebound (not reversal) setup for the Pi Network coin might get invalidated, completely.

Pi Coin Price Levels That Decide What’s Next

The PI price chart now sits at a decision point. For the rebound structure to gain traction, Pi Coin needs to reclaim the $0.222 area. A sustained move above this level would mark roughly a 7% advance and signal that buyers are willing to defend higher prices again. If that happens, the price could extend toward $0.244 and possibly $0.253, provided broader market conditions stabilize.

Only a price move above $0.284 (late November high) could signal a reversal attempt. That point seems to be far off now.

Support remains just below current levels. The $0.203 zone is critical. A daily close below $0.203 would weaken the rebound case significantly and expose the downside again. If that level fails, Pi Coin could retest lower areas and push the correction into a new leg.

The rebound setup only strengthens if the price moves higher while the CMF begins to rise toward zero. Without that confirmation, upside attempts risk stalling quickly.

The post Pi Coin Price Falls 28% From November Highs — Do Charts Now Hint At Reversal? appeared first on BeInCrypto.

The Zcash price has seen a sharp run this cycle, up over 700% in three months, followed by a healthy pause. After rallying strongly through the last week, the price is now pulling back, raising questions about whether momentum is fading or simply resetting.

While short-term price action looks undecided, on-chain and volume data suggest buyers may still be quietly in control. The next move depends on whether Zcash can turn consolidation into continuation.

Buyers Still Control Structure Despite Cooling Volume

Zcash price is currently trading inside a tightening triangle pattern, which reflects short-term buyer and seller indecision rather than outright weakness. Importantly, the price continues to respect the rising trend line that has guided the uptrend this cycle. As long as that structure holds, the broader setup remains constructive.

Volume behavior adds key context. Using Wyckoff-style volume color analysis, blue bars indicate buyer-led activity, while yellow and red bars reflect increasing seller control.

Although buyer volume has cooled recently, blue bars are still dominant. A similar slowdown occurred after October 17, when buying pressure briefly weakened, before Zcash went on to rally by more than 300%.

Cooling volume alone did not end that trend. As long as the blue bars dominate, the rally is likely to remain strong, despite any pullbacks.

Want more token insights like this? Sign up for Editor Harsh Notariya’s Daily Crypto Newsletter here.

Spot flow data reinforces this picture. Spot flows track whether coins are moving onto or off exchanges.

Inflows suggest potential selling, while outflows signal accumulation. On December 12, Zcash recorded roughly $14.26 million in spot inflows, meaning coins moved onto exchanges.

By December 13, that flipped sharply to around $17.34 million in net outflows, showing coins being pulled off exchanges instead.

That shift matters. Exchange outflows reduce immediate sell pressure and often reflect spot buyers stepping in during pullbacks rather than distributing into strength.

Despite a mild pullback of about 2.5% over the past 24 hours, Zcash remains up roughly 20% over the past week and more than 700% over the past three months. The trend has not broken. It is consolidating.

Zcash Price Levels That Define the Next Move

For the bullish structure to continue, the Zcash price needs to break out of the triangle. The key level to watch is $511, a 24% move from current levels. A clean daily close above this level would confirm a bullish resolution and signal renewed buyer control.

If that breakout occurs, the first upside target sits near $549, followed by $733, which capped rallies earlier in the cycle. Higher resistance zones exist near $850 and $1,190, though reaching those would require sustained momentum and supportive broader market conditions.

Downside risk remains clearly defined. If the Zcash price loses $430, the triangle structure weakens. Strong support sits near $391, and a deeper breakdown could open the door to $301 if risk-off pressure spreads across the market.

The post Zcash Buyers Pull $17 Million Off Exchanges as Price Pauses — What Comes Next? appeared first on BeInCrypto.

Itaú Unibanco Holding SA, Latin America’s largest private bank, has advised clients to allocate up to 3% of their portfolios to Bitcoin for 2026.

The bank framed the cryptocurrency not as a speculative asset, but as a hedge against the erosion of the Brazilian real.

Why Itau Wants Clients’ Funds in Bitcoin

In a strategy note, analysts at the Sao Paulo-based lender said investors face a dual challenge from global price uncertainty and domestic currency fluctuations. They argued that these conditions necessitate a new approach to portfolio construction.

The bank recommends a Bitcoin weight of 1% to 3% to capture returns uncorrelated with domestic cycles.

“Bitcoin [is] an asset distinct from fixed income, traditional stocks, or domestic markets, with its own dynamics, return potential, and — due to its global and decentralized nature — a currency hedging function,” the bank wrote.

Itau emphasized that Bitcoin should not become a core holding. Instead, the bank framed the asset as a complementary allocation calibrated to an investor’s risk profile.

The objective is to capture returns that are not closely tied to domestic economic cycles and to provide partial protection against currency depreciation. It also aims to preserve exposure to long-term appreciation.

The bank pointed to the relatively low correlation between Bitcoin and traditional asset classes. It argued that an allocation of 1% to 3% can enhance diversification without overwhelming overall portfolio risk.

The approach, the note said, requires moderation, discipline, and a long-term horizon, rather than reactions to short-term price swings.

“Attempting ‘perfect timing’ in assets like Bitcoin or other international markets is risky — and often counterproductive,” the bank warned.

Itaú’s 3% ceiling places it squarely in line with the most forward-looking global guidance, narrowing the gap with US counterparts.

Notably, major US banks such as Morgan Stanley and Bank of America have recommended that their clients allocate up to 4% of their assets to the flagship digital asset.

For Brazilian investors, however, the stakes are different.

Itaú said that in a world of shortening economic cycles and more frequent external shocks, Bitcoin’s “hybrid character” sets it apart from traditional assets.

The bank described the flagship cryptocurrency as part high-risk asset and part global store of value. It argued that this combination offers a form of resilience that fixed income can no longer guarantee.

The post Brazil’s Largest Private Bank Advises 3% Bitcoin Allocation For Clients appeared first on BeInCrypto.

The Commodity Futures Trading Commission (CFTC) is quietly laying the plumbing for a market structure where US Treasuries and cryptocurrencies could eventually live side-by-side.

On December 12, the CFTC approved an expansion of cross-margining for US Treasuries.

How CFTC’s New Order Impacts Crypto

This change allows certain customers, not just clearing members, to offset margin requirements between Treasury futures cleared at CME Group. CME Group is one of the largest crypto derivatives trading platform in the US.

It also applies to cash Treasuries cleared at the Depository Trust and Clearing Corporation’s Fixed Income Clearing Corporation.

“Expanding cross-margining to customers will provide capital efficiencies that can increase liquidity and resiliency in US Treasuries, the most important market in the world,” Caroline Pham, CFTC’s Acting Chair, said.

Cross-margining allows firms to reduce total collateral by netting correlated positions within a portfolio. Extending that mechanism from dealer balance sheets to end customers in Treasuries represents a significant structural shift.

Market participants view it as a practical test of risk models. Those frameworks could eventually support portfolios holding Treasuries, tokenized funds and crypto assets within a single clearing ecosystem.

For crypto derivatives traded on CME, the orders could have significant market implications.

If Treasuries and Treasury futures can be cross-margined at scale, similar frameworks could eventually support more complex portfolios. Those portfolios could include tokenized Treasury bills and spot Bitcoin backing positions in CME Bitcoin and ETH futures, all governed by unified margin and risk controls.

Meanwhile, this order’s timing places it squarely within a broader crypto regulatory effort that spans both the CFTC and the Securities and Exchange Commission (SEC).

It also echoes the SEC’s parallel work on market structure and clearing reform, as regulators assess how tokenized securities and digital collateral might fit within established settlement and custody frameworks.

Notably, the Pham-led Commission recently unveiled a Digital Asset Collateral Pilot. The initiative permits Bitcoin, Ethereum and USDC to be used as margin in CFTC-regulated derivatives markets.

These moves reflect a regulatory focus on capital efficiency and risk management across asset classes that increasingly blur the line between traditional and digital markets.

The post CFTC’s Treasury Reform Paves Way for Crypto Market appeared first on BeInCrypto.

The entire category featuring Made in USA coins has traded almost flat over the past week, even as broader crypto volatility picked up. That lack of movement stands out heading into Christmas, when thin liquidity often exposes which projects are quietly building pressure.

Several US-based tokens are now sitting at clear technical decision points, where small moves could shift the short-term trend. This piece lists three such Made in USA coins to watch before Christmas 2025, led by improving price structures, rising breakdown risks, and setups that could move sharply in either direction.

Cardano (ADA)

Cardano is one of the Made in USA coins that traders could be watching ahead of Christmas 2025. It is down around 3.5% over the past 24 hours, extending its monthly losses to over 27%.

The recent Midnight upgrade failed to shift sentiment, and downside pressure has returned as the broader market weakens.

On the daily chart, Cardano has broken down from a bearish continuation structure — the bearish pole-and-flag. The prior consolidation resolved lower, confirming sellers remain in control.

This keeps the broader downside projection active, which still points to a potential drop of nearly 39% from the earlier breakdown zone.

Want more token insights like this? Sign up for Editor Harsh Notariya’s Daily Crypto Newsletter here.

The first level that matters now is $0.370. This area has acted as strong support in recent weeks, but the price is already drifting toward it. A daily close below $0.370 would increase downside risk and bring $0.259 into focus, which aligns with the full bearish projection.

For the Cardano price to stabilize, selling pressure must ease near $0.370. To invalidate the bearish setup and regain momentum, Cardano needs to reclaim $0.489, followed by $0.517. Those levels mark key Fibonacci resistances and would signal buyers stepping back in.

Until then, Cardano remains vulnerable into Christmas, especially if weakness across the Made in USA category continues.

Stellar (XLM)

Stellar sits at an important decision point among Made in USA coins ahead of Christmas, as price action begins to test whether long-term adoption can still support value in the short term.

XLM is down around 2.5% over the past 24 hours, extending its monthly decline to nearly 18%. That caution becomes clearer when looking at adoption data.

While the number of RWA holders on Stellar has increased sharply over the past month, the total value of assets on the network has declined.

The price chart reinforces that message. Between December 3 and December 9, Stellar formed a hidden bearish divergence. Price made a lower high while the RSI made a higher high. RSI, or Relative Strength Index, tracks momentum. Since that divergence appeared, XLM has continued drifting lower, confirming that the broader downtrend remains intact.

The key level now is $0.231. This zone has acted as short-term support during recent pullbacks. Holding above it would suggest sellers are slowing, especially into the thin Christmas trading period. A daily close below $0.231 would expose $0.216 next, opening the door to further downside if market weakness persists.

For the bearish structure to break, Stellar needs to reclaim $0.262. That level has capped every rally attempt since mid-November.

A move above it would require roughly a 10% push and would signal that buyers are finally willing to defend higher prices again. Some hope of reclaiming that level remains as analysts on X highlight XLM flashing a buy signal.

The last time the TD Sequential flashed a buy signal around these levels, Stellar $XLM jumped 95%. pic.twitter.com/KZYIAbOQME

— Ali (@alicharts) December 11, 2025

Until then, Stellar remains a Made in USA coin where the trend still favors caution, making this support test especially important heading into Christmas.

Litecoin (LTC)

Litecoin is one of the few Made in USA coins showing relative stability heading into Christmas.

LTC is up around 1.5% on the week, making it an outlier among Made in USA coins. At the same time, it has remained down roughly 19% over the past month. This mixed performance lines up with recent fundamentals. Reports show institutions and funds have quietly accumulated around 3.7 million LTC, even as retail interest stayed muted.

That accumulation has not translated into immediate upside, but it helps explain why Litecoin has avoided deeper breakdowns compared to peers. For Made in USA projects, that kind of steady demand matters more than short-lived hype, especially into year-end.

On the price chart, Litecoin is forming an inverse head-and-shoulders pattern, which is typically bullish. This structure reflects the fading of selling pressure over time, followed by buyers slowly regaining control. The pattern attempted a breakout on December 9 but failed to hold, pushing the price back into consolidation rather than triggering a reversal.

The structure remains valid as long as Litecoin holds above $79.63. A drop below this level would weaken the setup and delay any upside attempt. A deeper move below $74.72 would invalidate the pattern entirely and shift the outlook back to bearish continuation.

For confirmation, Litecoin needs a clean daily close above the neckline near $87.08. That break would signal the pattern is active again and open a path toward $97.95 first, with $101.69 as the full measured target.

Until that happens, Litecoin remains a US-based project (token) at a decision point, where steady institutional interest contrasts with still-cautious price action ahead of Christmas 2025.

The post 3 Made in USA Coins to Watch Before Christmas 2025 appeared first on BeInCrypto.

The US banking industry has mounted a coordinated challenge to the Office of the Comptroller of the Currency’s (OCC) approach. The pushback targets the regulator’s efforts to integrate cryptocurrency firms into the federal banking system.

On December 12, OCC issued conditional approval of national trust charters for five digital asset firms, including Ripple, Fidelity, Paxos, First National Digital Currency Bank, and BitGo. The bank regulator stressed that the crypto applicants underwent the same “rigorous review” as any national bank charter applicant.

US Banking Industry Challenges OCC’s Move

However, the American Bankers Association (ABA) and the Independent Community Bankers of America (ICBA) argue that the OCC’s actions create a two-tier banking system.

Just released – ABA statement on @USOCC’s announcement regarding national trust charters: https://t.co/OqGgUtPAyd pic.twitter.com/NH6RevliRX

— American Bankers Association (@ABABankers) December 12, 2025

Their central claim is that fintech and crypto firms are being granted prestigious national charters without carrying Federal Deposit Insurance Corp. (FDIC) coverage or meeting traditional capital and liquidity standards required of full-service banks.

The groups contend that this structure encourages what they describe as regulatory arbitrage at the federal level.

By securing a national charter, the crypto firms can benefit from federal preemption of state money transmitter laws. At the same time, they avoid many of the compliance obligations that apply to insured depository institutions.

ABA President Rob Nichols said the approvals “blur the lines” of what constitutes a bank. He further argues that this erosion of definitions risks weakening the integrity of the charter itself.

In his view, expanding trust powers to firms that do not perform traditional fiduciary duties creates a class of institutions that resemble banks in name and scope but lack comparable oversight.

Meanwhile, their concern extends beyond competition.

Banking groups warn that consumers may struggle to distinguish between insured banks and national trust institutions holding large volumes of uninsured crypto assets.

They argue that the OCC has not adequately explained how it would manage the failure of such an entity, particularly if it were holding billions of dollars in digital assets outside the traditional safety net.

ICBA Wants the Charters Halted

The ICBA also directly challenged the OCC’s statutory authority to issue the charters.

We oppose the OCC’s conditional approval of five national trust bank charter applications from nonbank fintechs. We have repeatedly said the OCC lacks statutory authority to expand trust powers and that the sudden influx of applications threatens consumers and the financial…

— Independent Community Bankers of America (@ICBA) December 12, 2025

The group focused its criticism on Interpretive Letter No. 1176. This guidance enabled trust banks to engage in non-fiduciary activities such as custody of stablecoin reserves.

ICBA President Rebeca Romero Rainey described the move as a “dramatic policy change” that stretches the national trust charter beyond its historical purpose.

“The OCC’s dramatic policy change under Interpretive Letter #1176 is a departure from the role of conventional trust companies and allows for an inconsistent regulatory framework that threatens financial instability — requiring the agency to change course,” Rainey added.

The group argues that the OCC is allowing non-bank fintech firms to effectively borrow the credibility of the US banking system while avoiding the “full scope” of regulations imposed on insured institutions.

Considering this, both trade groups have called for an immediate pause and rescission of the approvals.

They warn that the current framework could produce institutions that the OCC is “not equipped to resolve in an orderly way.” According to them, such a failure could leave traditional banks and the broader financial system exposed.

The post US Banks Warn OCC Crypto Charters Could Weaken The Banking System appeared first on BeInCrypto.

XRP price has rebounded from recent lows, rising nearly 4% from yesterday’s bottom and stabilizing after a modest pullback. While the broader trend remains cautious, a new metric suggests downside momentum may be fading.

With the XRP issuer recently moving closer to regulated-banking status, the focus now shifts to whether large holders continue to step in to confirm a real trend change.

Bullish Divergence Forms as Largest Whales Begin Adding

On the daily chart, the XRP price has flashed a bullish divergence between December 1 and December 12. During this period, price made a lower low, while the Relative Strength Index (RSI) formed a higher low. RSI measures momentum, and this pattern often appears when selling pressure weakens before a rebound.

Want more token insights like this? Sign up for Editor Harsh Notariya’s Daily Crypto Newsletter here.

This setup has already triggered a bounce, but what makes it more compelling is whale behavior. The two largest XRP holder groups have already started responding.

Wallets holding more than 1 billion XRP increased their holdings from 25.36 billion on December 9 to 25.42 billion. At the same time, wallets holding between 100 million and 1 billion XRP reversed their selling trend, rising from 8.08 billion on December 11 to 8.15 billion at press time.

In total, these two cohorts added roughly 130 million XRP. At the current price, that equals about $265 million in net accumulation. This confirms that the biggest holders are not just watching the divergence, they are acting on it.

The timing also matters. Ripple recently moved closer to securing a US banking license, reinforcing its long-term institutional narrative. That regulatory backdrop gives added weight to whale interest at these levels.

XRP Price Levels That Decide If the Reversal Holds

For the bullish divergence to stay valid, the XRP price needs follow-through. The first level that matters is $2.11. A daily close above it would mark a 3.72% move from current levels and confirm that buyers are regaining short-term control. XRP has not held above $2.11 since early December.

If that level breaks, the next resistance sits at $2.21. Only a sustained move above $2.21 would shift the structure bullish and reopen the path toward $2.58 or higher.

On the downside, risk remains clearly defined. If the XRP price falls below $1.96 while RSI weakens, the bullish divergence would be invalidated. That scenario would expose $1.88 first, followed by $1.81 if selling accelerates.

Right now, the setup is constructive but unfinished. Momentum indicators show improvement, and whales have already responded once. For this reversal to fully play out, those large holders need to keep adding support, not just react briefly.

The post Largest XRP Whales Are Making a Move – Will Price Respond? appeared first on BeInCrypto.

A dispute over revenue sharing has erupted between the community governing DeFi lender Aave and its primary development firm, Aave Labs.

The conflict centers on Aave Labs’ recent decision to integrate CoW Swap as the underlying infrastructure for trading on the protocol’s primary website. The switch replaced ParaSwap, a previous integration that generated referral fees for the Aave DAO treasury.

DAO Members Question Economic Fallout From Interface Update

Governance delegates say the change has cut off a revenue stream of about $200,000 per week. On an annualized basis, they estimate the impact at roughly $10 million, shifting value away from token holders.

Marc Zeller, founder of the Aave Chan Initiative, criticized the move, calling it a “stealth privatization” of brand assets.

Extremely concerning.

The stealth privatization of approximately 10% of Aave DAO's potential revenue, leveraging brand and IPs paid for by the DAO, represents a clear attack on the best interests of the $AAVE Token holders.

We will prepare an official response with @AaveChan. https://t.co/opoG3I7x7s

— Marc ”七十 Billy” Zeller (@Marczeller) December 12, 2025

Zeller argued that Aave Labs unilaterally altered the economic arrangement without seeking approval from the DAO, which governs the underlying smart contracts.

“Aave Labs, in the pursuit of their own monetization, redirected Aave user volume towards competition. This is unacceptable. By doing this integration, the Aave protocol lost two revenue streams that cannot be easily replaced,” he wrote.

Zeller warned that the lack of communication raises concerns about how future upgrades will be handled.

He pointed specifically to the upcoming V4 upgrade and questioned whether other “accessory features” could also be ring-fenced from the DAO.

“It is important to consider the picture as a whole to define if Aave Labs breached its expected fiduciary duty towards the Aave DAO and the AAVE token holders, and what we should expect from V4 in general,” Zeller concluded

Aave Labs Defend Moves

In a detailed response, Stani Kulechov, founder and CEO of Aave Labs, defended the integration, rejecting the characterization of the lost funds as stolen revenue.

Kulechov argued that the previous fees from ParaSwap were a “discretionary surplus” rather than a mandated protocol fee.

“It was never a fee switch, its been a surplus that we donated to the DAO,” he stated.

He also drew a sharp line between the Aave protocol, the DAO-governed decentralized smart contracts, and the front-end interface. He described the interface as a private product funded and maintained by Aave Labs.

Kulechov said Aave Labs bears the costs of engineering and security for the website. He added that the DAO does not subsidize ongoing product development expenses.

Consequently, the firm asserts the right to monetize the interface to ensure its sustainability.

“It’s also perfectly fine for Aave Labs to monetize its products, especially as they don’t touch the protocol itself,” he said.

The development firm also restated Kulechov’s position, acknowledging a failure to communicate the change effectively.

The firm said it switched to CoW Swap to deliver better execution prices and stronger protection against MEV (maximum extractable value), rather than to generate additional revenue.

The post Aave Governance Conflict Widens Over $10 Million Revenue Dispute appeared first on BeInCrypto.