Crypto World
On-chain mortgages will start in the Gulf
Disclosure: The views and opinions expressed here belong solely to the author and do not represent the views and opinions of crypto.news’ editorial.
Few places in the world have advanced as quickly as the Gulf. It’s a place filled with skylines that rise almost overnight, governments that execute on their promises, and an appetite for innovation. This same environment is turning the Gulf into one of the few places where real-world assets, specifically tokenized real estate, are emerging as live, investable projects, not just ideas that only exist on conference stages.
Summary
- The Gulf has the regulatory speed and digital land infrastructure to pioneer on-chain mortgages, turning tokenized property into programmable credit markets.
- Mortgages aren’t broken — the rails are: Paper-heavy, multi-ledger systems create opacity, delays, and risk that tokenization can structurally reduce.
- Dubai’s RWA momentum creates a first-mover advantage: With land registries digitized and regulated asset frameworks in place, the Gulf can set the global template.
Across developed markets, progress in tokenized real estate has been constrained by existing securities and market infrastructure built decades ago, with broad adoption still out of reach. Take Germany, for example. BaFin, the financial regulator, stated clearly that a security token offering will require a full prospectus unless the issuer qualifies for a specific exemption, adding time, money, and months of runway before anything can launch at scale.
The West likes to say innovation has to wait for the rulebook, but the Gulf is proving that the rules can evolve into systems that work. In recent months, the Dubai Land Department has begun converting real estate assets into on-chain digital tokens, effectively tokenizing title deeds and reshaping how property is owned, traded, and accessed.
But the transformation isn’t just tokenizing property; it’s tokenizing credit. Once ownership is on-chain, the next obvious step is to bring mortgages on-chain too. Home loans stop being static, bank-held contracts and become investments that are easier to track, distribute, and finance across a broad investor base.
On-chain mortgages are an opportunity the Gulf can’t ignore, and a chance to introduce a better model to the world. If the region doesn’t take the lead, the whole world risks remaining stuck in an outdated cycle, with slow, opaque processes prone to repeating the same mistakes that have held markets back for generations.
What’s broken in today’s traditional mortgage market
Globally, crypto has struggled to break out of its speculative phase. The Gulf, though, is moving in a different direction. Recent projections estimate that Dubai’s tokenized RWA real-estate market, for example, could exceed $16 billion in market value by 2033.
Yet, mortgages in the Gulf, like mortgages elsewhere, run on systems that haven’t kept up with how people actually live or move money today.
The root of the issue is the “multi-ledger” process. The modern mortgage process itself is manual and paper-based, filled with weeks of document chasing, repetitive form-filling, appraisal, and title checks. Much of it happens in silos, with back-and-forth communication between brokers, banks, insurers, and registries. This creates latency, hefty administrative costs, and risk.
And in the Gulf, the stakes are amplified by the market’s global nature, which includes cross-border capital, international buyers, and fast-moving transactions. When the admin layer is slow, the whole process becomes fragmented, especially when investors don’t always operate under the same banking norms.
Even the property record itself presents weaknesses. While documents are essential for proving ownership and securing mortgages, the infrastructure behind them leaves room for errors, manipulation, and gaps in data integrity. The risk isn’t just theoretical. According to the National Association of Realtors, 63 percent of real estate professionals reported deed or title fraud in the past year.
On-chain mortgages aren’t a magic fix, nor do they eliminate the basic responsibilities of a loan. What they do is replace rigid, opaque processes with something better suited to the financial realities of digital economies, especially in the Emirates.
The mortgage upgrade we’ve needed for decades
Mortgages are far from a broken idea. What’s broken are the systems beneath them. When loans are bundled into opaque securities, it becomes harder for outsiders to see performance, ownership, and risk with clarity. The lesson of the 2008 financial crisis wasn’t that mortgages shouldn’t exist, but that the infrastructure around them can obscure reality at scale.
Tokenization is the infrastructure fix mortgages desperately need. By representing loan exposure digitally, mortgages become easier to track, transfer, and administer, giving investors globally the chance to hold smaller slices of risk with greater visibility into what they own and how it’s performing.
Still, this infrastructure will only work if the inputs are legitimate. Better rails only matter if they’re anchored to credible inputs such as title, liens, and valuations. That’s where the Gulf has an advantage. Regulators have already been digitizing land registries and transaction data, laying down the foundation for verified pricing and pricing history. With that foundation in place, oracle-based pricing tools can push verified appraisal data directly into the chain, giving lenders and investors far more clarity than legacy systems allow.
Beyond data, Dubai has advanced in regulatory guardrails. The Virtual Assets Regulatory Authority has created clearer routes for bringing investments on-chain through its Assets-Referenced Virtual Asset category. This regulated framework links token value to RWAs and clearly identifies who gets paid, how, and when, along with other rights attached to the asset. This can include income distribution, governance rights, and other entitlements, giving markets the clarity they need to build.
Indeed, turning a mortgage into a digital asset does not change the borrower’s obligations or completely remove risk. But what it does do is change the reliability and speed of the administrative layer, which determines the loan’s status at any given moment.
Tokenization can’t bend the laws of credit, but it can help remove the drag of outdated rails. By reducing the time and cost of coordinating mortgages with shared, programmable records, tokenization can improve efficiency, access, transparency, and accuracy across the mortgage lifecycle.
While implementing on-chain mortgages carries technological and regulatory risks, the Gulf’s dominance in tokenized assets makes it one of the most promising regions for this model to take hold. With its regulatory cohesion and appetite for financial innovation, the region has the potential to turn on-chain mortgages from an experiment into a market standard, eventually providing the blueprint for global practice.
Bitcoin has bounced hard after the liquidation washout in February and is trying to rebuild a short-term uptrend. The asset is now pushing into a heavy resistance band where the last breakdown started, so this move looks more like a recovery leg inside a broader corrective structure than a clean trend reversal.
The key question is whether buyers can turn this squeeze into sustained demand or if it stalls where trapped holders are waiting to sell.
Bitcoin Price Analysis: The Daily Chart
On the daily timeframe, BTC has rallied from the major demand area around $60,000 toward the $72,000 to $75,000 resistance zone. It lines up with the lower part of the previous distribution range and sits just below the declining 100-day moving average, which still caps the medium term trend to the downside.
The price has also climbed back to the upper band of the falling channel that has guided the downtrend since late last year, so this area is where analysts usually ask if the move is just a relief rally or the start of a larger base. A daily close above this resistance cluster and a clean breakout of the channel would be the first real signal that sellers are losing control, and that a new bullish market is in the making.
BTC/USDT 4-Hour Chart
On the 4-hour chart, the drop from early February has turned into a broad consolidation inside a symmetrical triangle that was broken upward in the past few days. The price squeezed out of the contracting range and ran straight into the upper green zone, where it is now moving sideways under roughly $73,000 to $75,000.
The 4-hour RSI is in the strong region and has reached the overbought zone after a sharp vertical leg, which often leads to either a pause or a short-term pullback before any further push higher.
Yet, as long as Bitcoin holds above the broken triangle and the bullish imbalances formed around $70,000, the path of least resistance stays toward a retest of the upper resistance, but a failure back inside the old range would warn that the breakout was mainly a squeeze, and that more downside is probable.
Sentiment Analysis
Bitcoin funding rates across futures exchanges flipped deeply negative during the recent consolidation after the crash, and have stayed mostly below or around zero even while the price bounced. This indicates that many traders are paying to hold short positions into the lows and are now being forced to cover as the market moves against them, which fits the idea of a squeeze-driven rebound rather than a pure fresh spot demand.
The fact that funding is only slowly creeping back toward neutral shows that there is still caution and even residual bearish positioning in the derivatives market.
If this rally continues while funding remains modest, it suggests the move is being supported by real buying and unwinding of crowded shorts, but if funding spikes positive quickly near resistance levels, it would signal that late longs are chasing and that the risk of another shakeout is rising.
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The conclusion was quite bullish, indicating that XRP could be on its way to a massive price reversal soon.
The broader scale shows that Ripple’s cross-border token has been quite volatile ever since the current cycle began after the US presidential elections in late 2024. At the time, it traded at around $0.60, but exploded to match its 2018 all-time high by January 2025 and eventually broke it in July, setting a new one at $3.65.
The bears took control in the following months, and XRP plunged below $3.00 and $2.00 by the end of the year. After a brief surge to $2.40 on January 6, the asset resumed its downtrend and plunged to a 15-month low on February 5 at $1.11 (on most exchanges).
It reacted well to this decline and even challenged the $1.65 resistance a few weeks later, but to no avail. Although it was stopped there, it still trades at around $1.45 as of press time, which is 30% higher than its local low seen a month ago. Given the resurgence of the crypto market over the past several days, the question now is whether XRP has already bottomed out and, if so, what its next targets are.
ChatGPT Says…
To gain some perspective, we consulted three of the most utilized AI chatbots, starting with OpenAI’s solution. It noted that XRP found solid support at the “panic low” of $1.10-$1.15, and its ability to rebound decisively should encourage the bulls. It now trades above another significant structural support located at $1.30-$1.35, which should be a proper line of defense if there’s another leg down.
It placed the odds for a “bottom is in” scenario at 50%, saying that if $1.30 holds and crypto sentiment continues to improve, the cross-border token could be on its way to reclaim the first obstacle on its path to redemption at $1.65. If broken, the next target would be the psychological $2.00 line, followed by the January $2.40 peak.
“XRP could reach $2.50-$3.00 within 6-12 months if the crypto market enters a new expansion phase,” ChatGPT predicted.
In addition, it gave a 30% chance that XRP is currently in a long accumulation phase, which would mean trading within a tight range between $1.20 and $1.90 for the next up to 9 months. The bearish scenario (20%) is the least likely for now, ChatGPT added, and another drop to and below $1.10 is not overly expected unless there’s a major black swan event.
Gemini and Grok – Do You Agree?
Gemini’s short answer supported ChatGPT’s belief, saying, “It is highly likely that the $1.11 local bottom is in.” It indicated that higher lows are holding now after that flash crash, even though the asset was stopped at $1.65.
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Grok also weighed in on the matter, and it had a similar opinion. However, it outlined some of the recent key developments within the Ripple ecosystem that could further boost the underlying token. One of the latest was a major adoption move as the US Depository Trust and Clearing Corporation (DTCC) added Hidden Road Partners CIV US LLC to its NSCC Market Participant Identifiers directory.
This meant that the NSCC update allowed Ripple Prime to route institutional post-trade volumes directly onto the XRP Ledger. Grok added that if these moves continue and impact XRP, the asset could target $2.00-$2.15 in the near term and $2.80-$3.30 by the end of the year.
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It may be time to dive deeper into the emerging markets trade.
Despite risks tied to the war with Iran, Global X ETFs’ Malcolm Dorson points to weaker dollar trends and uncertainty at home as a tailwind for the group.
“It might be time to double down,” the firm’s senior portfolio manager told CNBC’s “ETF Edge.”
He expects a burst of U.S. war spending will soften the greenback, which jumped this week, and create a favorable backdrop for emerging markets.
When asked about whether the dollar’s near-term strength could stick, Dorson responded, “for sure.”
However, it’s not his base case.
“A lot of people are trying to say this is going to be over in a week or two. We’re not sure,” he said. “However, I do think there are a lot of reasons to take advantage, to buy the dip here [in emerging markets.]”
As of Wednesday’s market close, the iShares MSCI Emerging Markets ETF (EEM) is off more than 5% week to date. It’s still up almost 37% over the past year.
VettaFi’s Cinthia Murphy also sees advantages by putting money to work abroad and finds investors have grown accustomed to geopolitical noise.
“There is no question that international has been the flavor of the year,” the firm’s director of research said.
Murphy indicates energy is the area to watch if the Iran conflict becomes prolonged.
“European markets are super dependent on energy and oil coming out of the Middle East,” she said. “So, I think it could really shake things up a lot.”
Murphy listed the United States Oil Fund (USO) as a potential way to play energy. It’s up 12% so far this week and up 32% this year, as of Wednesday’s close.
One year ago, US President Donald Trump signed an executive order establishing a strategic crypto stockpile. Now, one year later, its value has decreased by billions.
At the beginning of his administration, Trump formed a working group to study how the government could best implement and regulate crypto. This included the Bitcoin (BTC) and crypto reserves.
Much has happened since. The first year of the Trump administration brought a number of macroeconomic and policy changes. Some of these, like new, friendly regulations from Washington, have been good for crypto. Others, like punitive tariffs and geopolitical escalation, have not.
Now the US’ crypto stockpile sits, with its token reserves largely unchanged since its establishment.
Little change in Trump’s crypto stockpile
On March 6, Trump formed the Strategic Bitcoin Reserve and U.S. Digital Asset Stockpile by executive order.
The Bitcoin reserve would comprise solely that asset, while the crypto stockpile would be a diverse collection of altcoins. Ahead of the executive order, Trump said that it would include XRP (XRP), Solana (SOL) and Cardano (ADA).
Both would “not acquire additional assets for the U.S. Digital Asset Stockpile beyond those obtained through forfeiture proceedings.”
The order effectively consolidated the forfeited assets, which at the time were spread across many different federal regulatory and law enforcement agencies. According to the order, it would also create an opportunity for the government to capitalize on the seized crypto.
“Taking affirmative steps to centralize ownership, control, and management of these assets within the Federal government will ensure proper oversight, accurate tracking, and a cohesive approach to managing the government’s cryptocurrency holdings,” the order stated.
The government does not publish the exact details of either the Bitcoin reserve or the crypto asset stockpile, but blockchain analysis firm Arkham Research has identified several blockchain wallets associated with the US government.
At publishing time, government crypto holdings are valued at $22,393,867,000, some $22 billion of which alone is Bitcoin. Other major holdings are stablecoin USDC (USDC), Ether (ETH), Wrapped Bitcoin (WBTC) and BNB (BNB).
How much these assets constitute the formal stockpile itself, or how and whether they were moved, is still not public information. But the dollar value has fallen significantly. According to Arkham, the US’ cumulative holdings were worth over $30 billion when Trump signed the order. At publishing time, they are worth $22 billion, a 26% decrease.
The White House appears unshaken by this. Deputy Press Secretary Kush Desai said regarding the recent price slump, “Volatility in a free market in which the government does not set prices is not going to change the Trump administration’s commitment to ensuring American dominance in cryptocurrency and other cutting-edge technologies of the future.”
Bitcoin token balance unchanged with no plans to buy
Despite hopes from Bitcoin maximalists that the US would start buying Bitcoin, the balance remains unchanged. Since the executive order, the US government has held 328,272 BTC.
The token balance of Ether, the next top asset by holdings in the US government’s portfolio, dropped off following the executive order, suggesting either an exchange or transfer. But after April 2025, the token balance stayed much the same.
Tether’s USDt (USDT), the largest stablecoin by token balance in the US’ portfolio, saw a significant jump in May 2025 of over 200 million tokens, before decreasing to pre-March 2026 levels.
These buying and selling patterns are not particularly clear. As noted above, the government makes no public disclosures about volumes.
While the new crypto reserve strategy did not completely preclude the government from buying Bitcoin, it required any purchases to be done in a budget-neutral fashion. AI and crypto czar David Sacks said last year, “It cannot add to the deficit, it cannot add to the debt, it cannot tax the American people.”
“It won’t cost the taxpayer dimes, but if the secretaries can figure out how to accumulate more bitcoin without costing taxpayers anything, then they are authorized to do that.”
One year on, it isn’t clear how or whether the administration has developed such a strategy.
Jason Yanowitz, co-founder of crypto firm Blockworks, told the BBC last year that a crypto stockpile made of several different assets could negatively impact markets. “Without a clear framework, we risk arbitrary asset selections, which would distort the markets and drive a loss of public trust.”
“Ensuring transparency through independent audits and public reporting is crucial for fostering innovation instead of favouritism,” he said.
The idea of Bitcoin reserves, be they at the state or corporate level, grew last year following the success of software company-cum-Bitcoin investment vehicle Strategy. The narrative of Bitcoin as digital gold made holding the asset an attractive prospect for government budgets.
According to data from tracking site BitcoinTreasuries.net, 10 countries hold Bitcoin, including the US, China, Ukraine, El Salvador, the United Kingdom and North Korea.
At the corporate level, analysts are expecting consolidation as the bear market continues. Wojciech Kaszycki, chief strategy officer of crypto infrastructure and treasury company BTCS, previously told Cointelegraph that companies with Bitcoin treasuries below net asset value will be acquired by operating businesses.
Bitcoin reserves are still a new idea that has yet to be tested in the depths of crypto winter.
Magazine: Bitcoin may face hard fork over any attempt to freeze Satoshi’s coins
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Fintech company Revolut has filed a new application for a US national bank charter as it renews its push into the North American market, marking the company’s second attempt to secure a US banking license.
The London-based company said Thursday that it submitted an application to the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation to establish “Revolut Bank US, N.A.”
The company also appointed fintech veteran Cetin Duransoy as the company’s new US CEO. Duransoy brings more than two decades of experience in banking, payments and technology. He previously served as US CEO of fintech marketplace Raisin. Duransoy replaces Sid Jajodia, who will remain with the company as global chief banking officer.
“The United States is a key pillar of our global growth strategy,” Revolut founder and CEO Nik Storonsky said. “Filing for a national bank charter is a major milestone toward our vision of building the world’s first truly global banking platform,” he added.
Related: Stripe-Owned Bridge Gets OCC Conditional Approval for Bank Charter
US bank charter would unlock nationwide operations
If approved, the license would allow Revolut to operate under a single federal regulatory framework across all 50 US states. The charter would also give the company direct access to payment systems such as Fedwire and ACH, enable it to offer insured deposits through the FDIC and expand into products such as personal loans and credit cards.
Revolut previously attempted to secure a US banking license in 2021 through California regulators. That effort stalled and was eventually withdrawn in 2023 following regulatory hurdles and internal control concerns.
Revolut says it currently serves over 70 million customers globally and operates in 40 markets. In November 2025, the company completed a secondary share sale that valued the company at $75 billion.
Revolut’s move to apply for a US banking license comes as the company shifts away from earlier plans to acquire an American bank as it expands globally.
Related: Nubank wins conditional US approval to form national bank
More fintech firms seek OCC bank charters
More fintech and crypto firms are seeking US banking licenses through the OCC. In January, Nubank received conditional approval from the regulator to establish a national bank in the United States, while crypto exchange Crypto.com secured similar approval in February.
In December 2025, the OCC also conditionally approved five national bank charter applications for Circle, Ripple, BitGo, Fidelity Digital Assets and Paxos.
Big Questions: Is China hoarding gold so yuan becomes global reserve instead of USD?
Game developer and erstwhile crypto enthusiast Alex Amsel, aka Sillytuna, has reported being forced to hand over almost $24 million worth of crypto in a violent robbery.
The attack involved “weapons, kidnap and rape threats,” according to Amsel’s post on X. He reports being “bruised,” and suggests that attackers had “axes over [his] hands and feet.”
He’s also appealed to “all those who trace such things,” and has offered a 10% bounty of any funds recovered, “even if you were involved.”
Read more: Copy, Paste, Rekt: Ethereum address poisoning strikes again
The transfer was flagged by blockchain security firm Peckshield, which seemingly assumed the loss was due to “address poisoning.” Amsel responded to the post to deny the claim, but multiple crypto news outlets ran with the address poisoning angle regardless.
These reports also mention the physical attack, indicating either a misunderstanding of what an address poisoning attack is, or an inability to differentiate between a copy-paste error and a violent kidnapping.
Similarly, Alex Svanevik, CEO of analytics platform Nansen, posted an AI analysis which identified the incident as address poisoning, and recommended contacting Maker to freeze the DAI (which isn’t possible).
However, Svanevik does admit that the analysis is “experimental” and may be “incorrect.”
In a message to Protos, Amsel said, “I can’t divulge any more info than I have on Twitter but it’s nothing to do with poisoning.
“I’m not anon so not hard to track down IRL, nor are many other peope who sadly this is going to happen to if we don’t crack down and show you can’t walk away with the money.
“There are substantial efforts behind the scenes as I’m acutely aware that timing is critical.”
Follow the money
Shortly after 5pm UTC on Wednesday, $23.6 million of Aave-USDC was transferred to the attackers on Ethereum.
Blockchain analytics firm Arkham traced the onward movement of funds. The majority of funds are held in two Ethereum addresses which hold $20 million in the (unfreezable) DAI stablecoin.
Additionally, the attackers bridged around $2.5 million to Hyperliquid via Arbitrum, using Wagyu accounts to withdraw as privacy coin monero. A further $1 million was bridged to bitcoin via LiFi.
Wagyu’s developer came under harsh criticism from the crypto security community for not blocking the transfers. The developer, who goes by the pseudonym PerpetualCow, defended themselves, claiming they were sleeping while the transactions were ongoing; they also insist they “didn’t make any money off this.”
Yesterday’s incident is the latest in a line of increasingly common physical attacks on crypto users, often dubbed “wrench” attacks, in reference to a viral xkcd comic.
These attacks often follow the leaks of personal data of crypto-linked individuals.
Read more: DeFi karma: Garden hacked for $11M after bridging Lazarus’ loot
End of the road
In December of last year, Sillytuna posted a blog to Medium, in which he says he’s left crypto behind.
The industry, he wrote, “became dominated by Silicon Valley, the worst of tech bros, and the ever present scammers.”
Despite crediting crypto with being able to “semi-retire and go back to my love of making indie games,” he felt unable to “stand by and support the direction things have gone, politically and otherwise.”
In response to the robbery, he jokingly said the “worst thing about all this” is being called a crypto influencer. The funds were “long-term holdings” set aside for “future causes, open source, that kind of thing.”
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Key Highlights
- Q4 earnings per share reached -$0.01, surpassing analyst consensus of -$0.05 by $0.04
- Quarterly revenue totaled $25.23M, exceeding Wall Street projections of $22.91M–$24.5M
- Shares climbed approximately 8% to reach $12.56 in Wednesday trading
- Company insiders offloaded more than 2.39 million shares valued at roughly $26.4M during the previous quarter
- Analyst consensus rating stands at “Moderate Buy” with a mean price target of $16.63
Amprius Technologies delivered quarterly results that exceeded analyst projections, propelling shares higher by roughly 8% during Wednesday’s session.
The battery technology company reported quarterly earnings per share of -$0.01, outperforming Wall Street’s consensus forecast of -$0.04 to -$0.05 by $0.03 to $0.04. Quarterly sales registered at $25.23 million, surpassing analyst expectations that spanned from $22.91M to $24.5M.
Shares concluded midday trading at $12.56, representing a $0.93 gain for the session. Volume activity hit 9.53 million shares, exceeding the typical daily average of 8.12 million.
Amprius Technologies, Inc., AMPX
However, beneath the positive earnings surprise, the financial metrics reveal ongoing profitability challenges. The company recorded a net loss of $24.4 million for the quarter, representing a significant increase from the $11 million loss reported in the comparable year-ago period.
Net margin registered at -53.16% while return on equity came in at -38.85%. While these figures remain deeply negative, investors appeared to focus primarily on the upside earnings surprise and improving operational trajectory.
Looking forward to fiscal 2026, company management issued guidance calling for EPS of approximately -$0.06, indicating continued red ink in upcoming quarters.
Notable Insider Transaction Activity
While market participants reacted positively to the quarterly results, recent insider selling activity suggests a more measured outlook from company leadership.
Chief Technology Officer Constantin Ionel Stefan divested 492,827 shares on January 22nd at a mean price of $12.04 per share, generating proceeds of approximately $5.93 million. This sale reduced his ownership position by 39.7%.
Board member Kang Sun unloaded 950,548 shares on January 16th at $11.07 per share, totaling roughly $10.52 million in proceeds — representing a 40.38% decrease in his holdings.
Cumulatively, company insiders have disposed of 2,392,269 shares valued at approximately $26.4 million during the preceding three-month period. Current insider ownership stands at 12.8% of outstanding shares.
Institutional investors control 5.04% of the company. Bank of America expanded its position by 31.1% during Q4, while Rhumbline Advisers boosted its holdings by 61.1%.
Wall Street Analyst Coverage and Targets
The analyst community maintains a generally optimistic outlook on AMPX shares.
Needham launched coverage on January 29th, assigning a Buy rating alongside a $20 price objective. Craig Hallum initiated coverage on February 23rd, also establishing a Buy rating with a $17 target.
Cantor Fitzgerald upgraded its price target from $12 to $16 while maintaining an Overweight rating. Oppenheimer reiterated an Outperform rating with a $17 target in December.
Weiss Ratings represents the sole bearish voice, continuing to maintain a Sell rating.
Currently, eight analysts assign Buy ratings to the stock, while one maintains a Sell recommendation. The overall consensus rating is “Moderate Buy” with a mean price objective of $16.63.
The equity has traded within a 52-week range of $1.70 to $16.03 and has delivered a remarkable 506% return over the trailing twelve months.
Amprius management is slated to participate in the Cantor Global Tech Conference along with additional investor meetings scheduled for March, which the company highlighted as part of its ongoing shareholder engagement initiatives.
As part of his ideas when acquiring Twitter a few years ago, Elon Musk touted the plan of turning it into the “everything up.” An important missing piece of that plan for X is its payments arm – X Money.
It appears that the effort is starting to take shape. With Musk’s extensive history and involvement in the crypto industry, the question many now ask is – will it have crypto integrations?
Already Live in Closed Beta
During a presentation in February 2026, Elon Musk said that X Money is already live and that the app is being handled in a closed beta within the company.
He also confirmed that it should soon move to a limited external beta before eventually rolling it out worldwide.
This is further confirmed by the fact that William Shatner was tapped by the company to give out invites.
Shatner himself shared some screenshots, while also outlining that the app will feature a debit card with cashback available.
Here’s a few more screenshots. There’s a debit card with cash back too! 😳😱 pic.twitter.com/yeKE1gXAjQ
— William Shatner (@WilliamShatner) March 3, 2026
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What About Crypto, Though?
Musk has been pretty vocal in his involvement with the industry, especially when it comes to Dogecoin. Let’s not forget that he spearheaded a government agency that carries the DOGE abbreviation after all. Amusingly enough, his posts about the meme coin have caused multiple massive price pumps.
Indeed, it seems that the most entertaining outcome is the most likely.
Musk reposted a tweet by Teslaconomics, which, among other things, outlined the following:
… Then, there will be high-yield savings, you can invest, you can get loans, have money market accounts, maybe even treasury access, cool smart cashtags that let you see live stock prices in your timeline and execute trades seamlessly, crypto integration, potentially full asset management…
Musk simply said, “This will be big.”
But what does it mean for crypto? Well, even if X Money does support crypto payments, it wouldn’t be the first one. Many financial applications, including Revolut, support crypto transactions. Even PayPal does.
So, it’s not necessarily a major catalyst to look forward to, but it certainly cements cryptocurrencies’ place in general finance when it comes to retail-facing applications.
That mass adoption really seems to be en route.
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Crypto World
Palladyne AI (PDYN) Stock: Revenue Decline Masked by Surging Backlog and Defense Expansion
Key Takeaways
- Annual 2025 revenue decreased 33% to $5.2 million, while fourth-quarter revenue surged 118% year-over-year to reach $1.7 million
- Full-year operating losses expanded to $32.4 million, yet GAAP net income reached $10 million driven by warrant fair value adjustments
- November 2025 brought three strategic acquisitions — GuideTech, MKR Fabricators, and Warnke — expanding into avionics, fabrication, and precision machining
- Backlog expanded to approximately $18 million by mid-February 2026, supporting management’s 2026 revenue forecast of $24–$27 million
- First commercial customer signed for Palladyne IQ 2.0, plus new missile propulsion subsystem agreement secured with defense prime contractor
Palladyne AI experienced a challenging revenue year in 2025, yet the underlying narrative centers on strategic groundwork being laid for future expansion.
Annual revenue totaled $5.246 million, representing a 33% decline compared to 2024. The reduction stemmed from discontinued legacy hardware sales that were non-recurring and delays in services milestone recognition. While the full-year number appears concerning, the fourth-quarter performance paints a contrasting picture — Q4 revenue skyrocketed 118% year-over-year to $1.7 million.
Operating losses grew to $32.4 million compared to $26.9 million in the prior year. Research and development expenditures increased 24% to $12.9 million as the organization accelerated software validation and product innovation initiatives.
Net income registered at $10 million annually, reversing from a net loss of $72.6 million in 2024. This turnaround was primarily attributable to warrant fair value fluctuations rather than operational performance.
Basic earnings per share reached $0.26, while diluted EPS came in at $0.24.
Strategic Acquisition Strategy
November 2025 represented a transformative period for Palladyne. The company completed three strategic acquisitions — GuideTech, MKR Fabricators, and Warnke Precision Machining. These transactions integrated avionics design, fabrication services, and precision machining operations into the company’s portfolio.
These newly acquired manufacturing divisions contributed $0.6 million in revenue during their initial operating period. While modest initially, this figure demonstrates the company’s evolution beyond pure software development.
The organization also established Palladyne Defense during 2025, representing a deliberate expansion into defense contracting that extends considerably beyond its core autonomy software offerings.
Progress in Software, UAV Systems, and Aerospace
Palladyne IQ 2.0 achieved commercial launch in 2025, with the company securing its first revenue-generating customer for the solution. The organization also successfully demonstrated collaborative autonomous swarm coordination between its Gremlin-X UAV and Red Cat systems — representing a significant technical achievement for its SwarmOS platform.
A missile propulsion subsystem agreement was finalized with an additional defense prime contractor, broadening the company’s program portfolio.
In the aerospace sector, Palladyne deepened its collaboration with the Air Force Research Laboratory and Portal Space Systems. The company secured an additional patent while submitting several applications focused on swarming technologies and decentralized autonomy frameworks.
The organization appointed a new President of Commercial and Industrial to spearhead expansion in civilian market segments.
Backlog measured $13.5 million at 2025 year-end. By mid-February 2026, it had climbed to approximately $18 million — predominantly with secured funding.
Management confirmed its 2026 revenue projection of $24 million to $27 million. The latest analyst coverage on PDYN assigns a Buy rating with an $11.00 price target.
Greg Abel speaks during the Berkshire Hathaway Annual Shareholders Meeting in Omaha, Nebraska on May 3, 2025.
CNBC
Berkshire Hathaway said Thursday it has resumed repurchasing its own shares for the first time since 2024 and separately new CEO Greg Abel purchased $15 million worth of stock himself, an amount equal to his after-tax annual salary.
Abel told CNBC he will continue using his full salary amount to purchase Berkshire shares every year.
The Omaha-based conglomerate disclosed in a regulatory filing that it began buying back its Class A and Class B shares on Wednesday. Berkshire’s policy allows the company to repurchase stock whenever the chief executive, after consultation with the chairman of the board i.e. Warren Buffett, believes that the repurchase price is below Berkshire’s intrinsic value, according to its annual report released over the weekend.
“I absolutely talked to Warren. So how I approached it was, obviously looking at the value, having a view of intrinsic value, consulted with Warren relative to the value and the timing,” Abel told CNBC’s “Squawk Box” on Thursday.
Abel said normally the company wouldn’t disclose the start of the repurchases. “We felt it was important to communicate to our shareholders, our partners, our owners, with the transition of leadership,” he said.
Abel took over for Buffett, 95, in January. Shares of Berkshire have fallen 3% this year and 10% from their record high last May. The stock came under pressure earlier this week after the firm reported a near 30% decline in its operating earnings for the fourth quarter, due in large part to weakness in the insurance business.
The last time Berkshire repurchased shares was the second quarter of 2024. Berkshire B shares added 1% in early trading Thursday following the news.
Abel’s personal buying
In a separate filing, Abel disclosed that he personally purchased $15 million worth of the conglomerate’s stock. The 62-year-old executive’s purchase came a little more than two months into his tenure running the Omaha-based conglomerate.
The transaction increases his personal stake in Berkshire at a time when some investors have questioned whether Buffett’s successor has comparable “skin in the game.” Buffett owns about 37.5% of Berkshire’s Class A shares and has no intention of selling his stake aside from his charitable giving. He has previously said the conglomerate represents roughly 99.5% of his net worth.
“Absolute alignment with our shareholders, our partners, our owners, is critical,” Abel told CNBC. “I already have some shares, but the goal was to continue to demonstrate alignment with them… As the CEO, I absolutely, obviously, believe in Berkshire. with the transition from Warren, and I inherited a company that has an incredible foundation.”
Before the latest purchase, Abel, a longtime Berkshire executive who previously oversaw the company’s non-insurance operations, owned $164.4 million worth of Berkshire stock, according to FactSet.
The CEO said he was committed to doing this every year he is at the helm of Berkshire, which Abel said he hopes is “20 years.”
Abel has emphasized continuity with Buffett’s investment philosophy since taking the helm. He used his first annual shareholder letter over the weekend to reassure investors that the conglomerate’s culture of financial conservatism and disciplined investing will continue “into perpetuity.”
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