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16 hours ago
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3 Predictions for Stablecoins by 2030
Key Points Stablecoins are becoming a key financial technology. That means they'll be displacing certain other technologies. It also means that regulators will seek to control them further. 10 stocks we like better than USDC › The original promise of stablecoins sounded almost boring. Peg a token's value to that of a fiat currency like the dollar, and the crypto market gets "digital dollars" that behave like dollars, just as advertised. In practice, they're a bit more interesting. Regulators eye them as systemic risks or threats to the integrity of their own currencies, criminals use them as easily disabled getaway cars, and investors treat them as the closest thing to cash that blockchains can offer. Stablecoins will only become more important within the financial system over the next five years. Here are three of my predictions for developments that every long-term investor should expect with them before 2030. 1. Governments will lean on the freeze button more often Governments like to control money, and stablecoins are no exception. Stablecoins already include an off switch. Assets such as USDC (CRYPTO: USDC) and Tether (CRYPTO: USDT) can freeze any wallet address in seconds, and they do. Circle, USDC's issuer, froze 75,000 USDC in addresses tied to Tornado Cash within hours of U.S. sanctions on that organization in 2022. A year later, Tether iced 32 wallets allegedly linked to terrorism financing, bowing to law enforcement pressure without fanfare. Washington just made its power over stablecoins more explicit and expansive. The Genius Act, signed into law on July 18, 2025, requires that every foreign or domestic stablecoin issuer prove it can carry out lawful orders as compelled by the U.S. government, including asset freezes and seizures, as a condition of market access. Expect other jurisdictions to use that same language when they write their own rulebooks. The trend is clear. By 2030, I predict that freezing and clawing back stablecoins will feel as routine as a bank's fraud alert today, and it'll be a routine form of asset seizure as part of criminal investigations. Investors who prize censorship resistance thus need to understand that stablecoins are, on average, edging closer to traditional banking controls. And, unfortunately, it is practically guaranteed that governments will use their powers over stablecoins against dissidents so as to prevent them from accessing them as a form of money. 2. At least one major stablecoin will blow up and go to zero Stablecoins maintain their value via financial engineering that remains under the hood relative to investors. Sometimes that engine breaks down catastrophically. Recall TerraUSD. In 2022, it experienced a death spiral that vaporized $60 billion in wealth and showed how quickly confidence can evaporate when reserves are thin or poorly constructed. Even fully backed coins wobble sometimes. USDC slipped to $0.88 during the 2023 Silicon Valley Bank crisis before recovering. Stablecoins now hold roughly $257 billion in circulation. As balances swell, incentives to cut corners or chase yield with reserve assets grow, too. All it takes is one audit gap, custody hack, or bad bond trade to spark a run. Therefore, I predict that at least one major stablecoin will blow up and go to zero within the next five years. Long-term investors should hold only the most transparent, fully audited options and avoid holding their life savings in any single coin. 3. Stablecoins will start eating SWIFT's lunch Once you're set up on the blockchain, stablecoins are a very fast and very convenient way to transfer money across borders without incurring the usual delays and high fees involved with legacy money transfer systems. Legacy payment systems rely on messaging networks like SWIFT. Those solutions cost tens of dollars, and take a few days for transactions to clear. Stablecoins are smaller in raw volume at the moment, but are obviously sprinting forward. On-chain transfers now exceed $20 trillion per year, growing by an order of magnitude in just four years. If the current pace of growth persists, or, more likely, accelerates, I predict that stablecoin corridors will surpass SWIFT for person-to-person transfers well before 2030. For investors, that shift favors blockchains and custodians positioned as low-cost bridges between digital dollars and traditional banks, so invest accordingly. Should you invest $1,000 in USDC right now? Before you buy stock in USDC, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the for investors to buy now… and USDC wasn't one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you'd have $653,427!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you'd have $1,119,863!* Now, it's worth noting Stock Advisor's total average return is 1,060% — a market-crushing outperformance compared to 182% for the S&P 500. Don't miss out on the latest top 10 list, available when you join Stock Advisor. See the 10 stocks » *Stock Advisor returns as of August 4, 2025 Alex Carchidi has positions in Circle Internet Group. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy. 3 Predictions for Stablecoins by 2030 was originally published by The Motley Fool
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2 days ago
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Crypto analyst has a shocking prediction on Dogecoin
Crypto analyst has a shocking prediction on Dogecoin originally appeared on TheStreet. The crypto market has slowly been recovering from the aftermath of President Donald Trump's tariff announcement, with Dogecoin rising around 3.5% over the last 24 hours. Though the meme coin has had its ups and downs over the past few months, popular crypto analyst Ali Martinez is eyeing a historic breakout moment. Martinez, known as @ali_charts on X, shared a DOGE price analysis chart on Aug. 7. As per the chart, Dogecoin is trading within a long-term ascending channel in which the upper line acts as the resistance and the lower one as the support. It is characterized by a price action lying within upward-sloping parallel lines with higher highs and higher lows over a long highlighted in the chart, 2017 and 2021 were historic touchpoints that led to two massive bull runs for DOGE. The first one led to the meme coin rising more than 9,000% to trade at $0.01857 toward the end of January 2018. The second one led to it soaring more than 13,000% to $0.73355 in May 2021. In fact, DOGE hit an all-time high (ATH) of $0.7376 during the May 2021 bullish cycle. Now, there is another historic touchpoint, argues Martinez. "Dogecoin $DOGE is trading within a historically strong buy zone, which has repeatedly triggered major bull runs in past cycles!" A pioneer of sorts, Dogecoin is the largest meme coin, which has a market cap of $34 billion. At press time, it was trading at $0.2263. Crypto analyst has a shocking prediction on Dogecoin first appeared on TheStreet on Aug 8, 2025 This story was originally reported by TheStreet on Aug 8, 2025, where it first appeared. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
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2 days ago
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XRP Leads Double Digit Altcoin Rally as Cardano, Chainlink and SUI Surge
Altcoins such as XRP, Stellar (XLM), and Chainlink (LINK) rallied on Friday as crypto markets celebrated the formal end of the SEC and Ripple Labs's appeals and much-anticipated end of the five-year legal battle. XRP rocketed 10.5% to $3.32, XLM jumped 14.6% to $0.46, and LINK surged 14.0% to $19.22 in the past 24 hours, according to CoinGecko. Altogether, the global crypto market cap has gained 1.2% in the past day, rising to $3.89 trillion. Other major altcoins followed suit, with Sui (SUI) climbing 8.1% to $3.79, Cardano (ADA) rising 7.2% to $0.79, Hyperliquid (HYPE) gaining 7.0% to $40.54, and Solana (SOL) rising 7.9% to $0.22. Ethereum (ETH) joined the rally, posting a 4.6% gain to $3,892.83, while Solana gained 3.5% to $175.37. The recent market resurgence has 85% of Myriad Market users confident that ETH will be able to surpass $4,000 before the end of the month—a steep uptick from yesterday, when 54% of users thought it would happen. (Disclosure: Myriad is a prediction market and engagement platform developed by Dastan, parent company of an editorially independent Decrypt.) The rally comes after both the SEC and Ripple filed to dismiss their respective appeals in the Second Circuit Court, with the $125 million penalty now transferring to the U.S. Treasury. The 2023 split ruling remains intact. The judge found that institutional XRP sales violated securities laws, while public exchange sales did not. SEC and Ripple End Appeals, Closing Landmark Crypto Case as XRP Soars "The crypto market saw a rapid change in sentiment driven by multiple factors, not just the end of SEC and Ripple's appeals removing a major hurdle for XRP," Illia Otychenko, Lead Analyst at told Decrypt. "Momentum primarily surged after Trump signed an executive order allowing crypto in 401(k) retirement plans," he said, noting additional catalysts including the SEC's clarification that certain liquid staking activities are not securities. The SEC's Wednesday statement confirmed that staking protocols such as Ethereum's Lido and Solana's Jito are not considered securities. The analyst noted, "this rapid change sparked local FOMO, amplified speculation on social media, and pushed the Fear & Greed Index back into the greed zone." SEC Exempts Liquid Stakers Like Ethereum's Lido, Solana's Jito From Securities Laws Mal Zane, Regional Director at crypto exchange CoinEx, told Decrypt about XRP's technical breakout potential, saying "a breakout above $3.33 could pave the way toward $3.65 in the coming days." "If positive news flow and liquidity inflows persist, medium-term targets are estimated at $5.00–$5.50 over a 1–1.5-month horizon," Zane added. 'A break of $3.10' could pause XRP's run, Zane said, with downside likely toward $2.80.
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3 days ago
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XRP Leads Double Digit Altcoin Rally as Cardano, Chainlink and SUI Surge
Altcoins such as XRP, Stellar (XLM), and Chainlink (LINK) rallied on Friday as crypto markets celebrated the formal end of the SEC and Ripple Labs's appeals and much-anticipated end of the five-year legal battle. XRP rocketed 10.5% to $3.32, XLM jumped 14.6% to $0.46, and LINK surged 14.0% to $19.22 in the past 24 hours, according to CoinGecko. Altogether, the global crypto market cap has gained 1.2% in the past day, rising to $3.89 trillion. Other major altcoins followed suit, with Sui (SUI) climbing 8.1% to $3.79, Cardano (ADA) rising 7.2% to $0.79, Hyperliquid (HYPE) gaining 7.0% to $40.54, and Solana (SOL) rising 7.9% to $0.22. Ethereum (ETH) joined the rally, posting a 4.6% gain to $3,892.83, while Solana gained 3.5% to $175.37. The recent market resurgence has 85% of Myriad Market users confident that ETH will be able to surpass $4,000 before the end of the month—a steep uptick from yesterday, when 54% of users thought it would happen. (Disclosure: Myriad is a prediction market and engagement platform developed by Dastan, parent company of an editorially independent Decrypt.) The rally comes after both the SEC and Ripple filed to dismiss their respective appeals in the Second Circuit Court, with the $125 million penalty now transferring to the U.S. Treasury. The 2023 split ruling remains intact. The judge found that institutional XRP sales violated securities laws, while public exchange sales did not. SEC and Ripple End Appeals, Closing Landmark Crypto Case as XRP Soars "The crypto market saw a rapid change in sentiment driven by multiple factors, not just the end of SEC and Ripple's appeals removing a major hurdle for XRP," Illia Otychenko, Lead Analyst at told Decrypt. "Momentum primarily surged after Trump signed an executive order allowing crypto in 401(k) retirement plans," he said, noting additional catalysts including the SEC's clarification that certain liquid staking activities are not securities. The SEC's Wednesday statement confirmed that staking protocols such as Ethereum's Lido and Solana's Jito are not considered securities. The analyst noted, "this rapid change sparked local FOMO, amplified speculation on social media, and pushed the Fear & Greed Index back into the greed zone." SEC Exempts Liquid Stakers Like Ethereum's Lido, Solana's Jito From Securities Laws Mal Zane, Regional Director at crypto exchange CoinEx, told Decrypt about XRP's technical breakout potential, saying "a breakout above $3.33 could pave the way toward $3.65 in the coming days." "If positive news flow and liquidity inflows persist, medium-term targets are estimated at $5.00–$5.50 over a 1–1.5-month horizon," Zane added. 'A break of $3.10' could pause XRP's run, Zane said, with downside likely toward $2.80. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
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4 days ago
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Solana's $6bn ‘dark' exchanges make trading more efficient — but at a cost
HumidiFi, an exchange on the Solana network, processed nearly $3 billion in trades last week and made up some 15% of the blockchain's entire trading volume. There's just one problem. The identity of the project's creator is a mystery. Two people involved in running rival exchanges told DL News they didn't know who was behind it, while dozens more scratched their heads on social media. In recent months, a growing portion of the trading volume on Solana is being sent to more than half a dozen so-called dark exchanges — or automated market makers. These platforms operate behind the scenes to execute billions in token swaps. They accounted for over $6 billion worth of volume on the blockchain last week, about 30% of all trading, according to data from Blockworks Research. 'The rise of proprietary AMMs marks a shift in trader priorities,' Amir Hajian, a researcher at crypto market maker Keyrock, told DL News. 'Better execution is winning out over transparency.' In other words, much of the trading on Solana is going dark. Automated market makers, code on blockchains that let users swap tokens without the need for a middleman, have long been a staple of the DeFi landscape. Dark AMMs are often able to outcompete conventional decentralised exchanges because they're able to actively manage their liquidity. They're also able to better defend against trading bots looking to profit at their expense. This lets them offer users cheaper prices on swaps, so exchange aggregators like Jupiter send more trades their way. DL News was unable to contact the people behind HumidiFi. Going dark Proponents of blockchains have long touted that they help to create a more open financial system compared to the closed garden of traditional finance. But that promise could be fading as dark AMMs increasingly outcompete their more open counterparts. Those running dark AMMs often choose to remain hidden because they only deal with aggregators, not the traders directly. In addition to HumidiFi, the creators of other prominent dark AMMs, including ZeroFi and GoonFi, have also kept their identities hidden. Some have opted for transparency, though. Market maker Wintermute confirmed to DL News that it runs Tessera V, a dark AMM, which handled $735 million worth of trades last week. In May, Solana DeFi developer Ellipsis Labs publicly claimed credit for developing SolFi, one of the biggest dark AMMs whose creators were previously unknown. Fierce competition Unlike other decentralised exchanges, dark AMMs don't have a website, and they don't let users pool their liquidity and earn fees when other users swap through them. Instead, they typically rely solely on the liquidity provided by their creators, and only accept trades routed to them through aggregators, like Jupiter. Aggregators, as their name suggests, bundle various decentralised exchanges into a single interface. So much of the volume on Solana goes through Jupiter that it gives room for dark AMMs to provide liquidity to the aggregator directly, a source involved in running a dark AMM told DL News. This situation has ignited fierce competition. When a user places a trade through an aggregator, it sends the request to all integrated exchanges and presents the user with the exchange that offers the best price. If dark AMMs can shave off even a fraction of a percent on a trade, Jupiter will pick them over their competitors. And the more trades dark AMMs fulfil, the more money they make from fees. 'If I'm a Solana engineer looking to compete purely on my technical prowess, dark AMMs are the most interesting game right now,' Edgar Pavlovsky, a Solana DeFi developer, said on X. Active management Dark AMMs can offer better prices on trades because they actively manage their liquidity, increasing efficiency. This means constantly updating bids and offers for tokens, and making sure prices are accurate by referencing them against offchain data. The problem with conventional AMMs is that their liquidity is passive, meaning prices are only updated when users trade through them. This means liquidity providers can lose money during sudden price swings as bots arbitrage price differences, an effect called loss-versus-rebalancing. What's more, conventional AMMs are incentivised to drive volume, even if that means attracting aggressive or toxic flow that ends up hurting passive liquidity providers, Keyrock's Hajian said. Because bots aren't cutting into their profits, dark AMMs can often offer better trade prices. The better the prices they offer, the more likely aggregators like Jupiter are to pick them to fulfil trades. And the trend looks set to continue. Dark AMMs already dominate stablecoin trading volume on Solana, according to data compiled by Benedict Brady, founder of crypto data platform Meridian. '[It's] probably only a matter of time before active liquidity entirely outcompetes passive liquidity,' Brady said. Tim Craig is DL News' Edinburgh-based DeFi Correspondent. Reach out with tips at tim@ Sign in to access your portfolio
