Changpeng Zhao (CZ), Binance’s co-founder, told his X followers that they cannot build wealth without understanding Dollar-Cost Averaging (DCA), a basic financial term he said too many crypto investors ignore.

The comment followed a question CZ posted two days earlier, asking whether bull or bear markets offer better entry points for long-term holding. His answer favored a simpler, disciplined approach over market timing.

Why CZ Raised the Timing Question

CZ posed the original question on July 24, asking followers directly whether bull or bear conditions suit long-term investors better. The post drew over 1.8 million views within two days, showing how often newer investors ask this exact question.

Crypto markets swung sharply through 2026. Bitcoin spent months grinding through a bear market before recent signs of stabilization emerged. That backdrop likely shaped CZ’s question, since entry timing feels more urgent during a downturn than during a rally.

CZ has his own record of timing missteps. He recently admitted he misjudged the stablecoin market, dismissing it early before it grew past $300 billion. That history may explain why he now steers newer investors toward a repeatable process instead of one high-stakes decision.

What Is DCA?

Dollar-Cost Averaging means investing a fixed amount at regular intervals, regardless of price. The approach removes the need to predict tops or bottoms, since each purchase averages out over time.

CZ’s underlying point was blunt. Investors who skip basic terms like DCA, he suggested, will struggle to build lasting wealth in volatile markets. CZ’s message pushed back against the instinct to time entries perfectly.

The strategy answers a documented problem. Weak buy-and-hold returns among 2025 token listings showed how badly timed lump-sum entries can underperform. Spreading purchases across both bull and bear phases sidesteps that risk, which is why some investors treat DCA as a long-term retirement strategy rather than a short-term trade.

DCA’s biggest advantage may be psychological rather than mathematical. Regular, automated purchases limit the emotional decisions that often accompany sharp swings, whether markets grind lower or turn toward a new rally.

Some traders currently point to early bottom signals as reason for optimism, while others stay cautious given how long the downturn has lasted. Either way, CZ’s simpler approach offers a middle path that does not depend on guessing which camp is right.

Whether the current stretch counts as bear or bull remains debatable. CZ’s advice suggests investors do not need to settle that debate before they start buying.

The post Changpeng Zhao Warns Investors: You Can’t Get Rich Without Knowing This One Term appeared first on BeInCrypto.

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Crypto markets have ticked up this Monday morning as investors brace for a volatile week ahead, with all eyes on the US central bank. Meanwhile, Iran said it will halt its attacks as long as the United States does the same, a senior Iranian official told Reuters on Sunday.

The US paused its bombing campaign on Friday following 13 nights of intensifying airstrikes. The development has caused a dip in oil prices and a jump in US stock futures and crypto markets.

Economic Events July 27 to 31

July’s Consumer Confidence data is due on Tuesday, which reflects how consumers are spending. This is followed by the week’s big event on Wednesday when the Fed announces its rate decision and Fed Chair Kevin Warsh holds a press conference, setting policy direction.

The meeting comes amid growing uncertainty about tech sector valuations, AI infrastructure spending, and economic growth trajectory amid a backdrop of inflationary pressures.

The market “feels very frothy,” Kristina Hooper, chief market strategist at Man Group, told Reuters. “Investors are, to a certain extent, walking on eggshells, and they’re more likely to react negatively to any signs of imperfection.”

Odds of rates remaining the same have fallen to 63.7% on the CME Fed watch tool, which now predicts a 36.3% chance of an increase.

July’s PCE inflation data is due on Thursday, followed by the Michigan Consumer Sentiment data and Inflation Expectations data on Friday.

Key Events This Week:

1. Markets React to US/Iran Pausing Strikes – Today, 6 PM ET

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2. July Consumer Confidence data – Tuesday

3. July Fed Interest Rate Decision – Wednesday

4. Microsoft, $MSFT, Meta, $META, Report Earnings – Wednesday

5. July PCE Inflation data – Thursday…

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— The Kobeissi Letter (@KobeissiLetter) July 26, 2026

Meanwhile, more than 15% of S&P 500 companies, including Microsoft, Meta, Apple, and Amazon, are reporting earnings this week.

Crypto Market Outlook

Crypto markets have moved higher over the weekend, with total capitalization ticking up to $2.3 trillion on Monday morning in Asia.

Bitcoin moved up 1% on the day to tap $65,500 in early trading before a minor retreat. The asset is still facing heavy resistance above $66,000, which has kept it range-bound for almost two months.

Ethereum has made a bigger 3.5% move to hit a seven-week high of $1,960, but it also faces resistance at this level and hasn’t been over $2,000 since June 2. Only a handful of altcoins were moving, and these included Zcash, Chainlink, and Uniswap, while Monero had lost 4%.

The post 4 Things That May Move Crypto Markets This Week as Fed Rate Hike Odds Increase appeared first on CryptoPotato.

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Robinhood Chain has become the leading blockchain by real-world asset (RWA) holder count. This comes less than a month after its public mainnet launch, and it marks a massive milestone in the company’s push into on-chain finance.

The network is an Ethereum layer 2, and it went live on July first. So far, it has surpassed established ecosystems despite its relatively short operating history, at least in this domain.

Retail Distribution Becomes Robinhood’s Main Advantage

Unlike many blockchain projects that first focus on crypto-native users, Robinhood entered the industry with millions of existing brokerage customers. That distribution is obviously translating into rapid adoption of real-world assets (RWAs).

Data from RWA.xyz shows that Robinhood has accumulated almost 330,000 RWA holders, alongside $24.12 million in distributed asset value and over $20 million in represented asset value. The network hosts around 1900 tokenized assets, while monthly transfer volume stands at $750 million at the time of this writing.

Second in line by this metric is Solana, followed by Plume, Ethereum, and BNB Chain.

It’s worth noting, however, that Ethereum dominates when it comes to total value. Almost $18 billion worth of RWA assets are hosted on the network. Second in line is BNB Chain, followed by Solana.

This milestone comes as the platform continuously expands its tokenized stock offering across Europe. The network was designed specifically for regulated financial assets rather than general-purpose DeFi, which allows users to trade tokenized US equities and ETFs around the clock. Transactions are settled on Ethereum through Arbitrum technology.

Early Success Driven Not Only by RWAs

Still, it’s interesting to note that tokenized assets are not yet the chain’s dominant activity driver.

Meme coin trading currently accounts for the majority of decentralized exchange volume. Tokenized stocks represent only a small portion of on-chain value today, although the company views them as the network’s long-term differentiator. Recall the frenzy surrounding the viral meme coin CASHCAT – a cryptocurrency that exploded in value in a few short days only to plummet almost immediately after, leaving stories of overnight millionaires and missed fortunes altogether.

Stablecoins are also growing on the network, noting a 22% increase in their market capitalization, currently pushing $500 million, according to DeFiLlama.

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Withdrawals from crypto exchange BitMart appeared to slow after it announced plans to wind down its operations. 

On Monday, blockchain analytics account Lookonchain reported that only 58 wallets withdrew about $805,000 in over 24 hours. It added that the exchange had not processed any withdrawals during the latest eight-hour period it tracked. 

X users also continued to report withdrawal difficulties. One user said they received an email stating that a USDT withdrawal had been completed even though the transaction had not been processed and their account displayed an “on-chain withdrawal freeze.” Another user said a $30 test withdrawal remained pending for over 30 minutes. These are individual claims and could not be verified. 

BitMart’s ability to return customer funds smoothly will be a key test of its promised “orderly” wind-down and could determine whether declining confidence develops into a broader rush for the exits.

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BitMart previously said withdrawals remain available but warned that requests may face additional compliance and security checks, including reviews of customer identities, login devices, withdrawal addresses, trading histories and sources of funds. The exchange may also request proof of identity, address, source of funds or ownership of the receiving wallet.

Cointelegraph reached out to BitMart for comments but did not receive a response before publication. 

BitMart token extends decline as exchange prepares to close

On Sunday, BitMart announced that it would stop accepting new registrations and deposits while restricting new spot orders and futures positions. Trading services are scheduled to end on Aug. 26, with the platform expected to cease operations entirely on Jan. 31, 2027.

Arkham-identified wallets attributed to BitMart held about $69 million in crypto assets on Monday, down from roughly $102 million on July 6. 

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Related: Storj files for bankruptcy, explores equity path for tokenholders

BitMart’s BMX token traded near $0.057 on Monday and had fallen about 81.5% over seven days, according to CoinGecko. The token was trading around $0.31 late Friday before the exchange’s shutdown became public.

BMX token’s 24-hour chart. Source: CoinGecko

The closure also prompted discussion about whether larger exchanges could acquire smaller competitors. 

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Binance co-founder Changpeng Zhao said acquiring a centralized exchange was more complicated than buying other businesses because buyers could inherit security vulnerabilities, including backdoors left by previous teams. He added that acquisitions remain possible but require greater scrutiny. 

Magazine: Why Australia’s $17B crypto opportunity depends on regulation

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South Korean demand pushed Morpho (MORPHO) whale transactions, wallet creation, and exchange outflows to multi-month highs on Saturday. The spike landed the same day Upbit opened a won trading pair.

Activity has since cooled across all three metrics. Still, Upbit handles more MORPHO volume than any other venue.

What Happened on Saturday

Santiment recorded 68 whale transactions above $100,000 in a single day. That is the highest daily count since October 2, 2025.

Wallet creation moved with it. 337 new MORPHO addresses appeared, the strongest reading since March 15, 2026.

Exchange balances thinned at the same time. Traders shifted 4.35 million MORPHO off platforms, the largest single-day outflow since February 4, 2026.

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The simultaneous bullish signal arrived as Upbit opened trading for MORPHO in the KRW market at 6 p.m. KST that evening. The announcement also triggered a price surge. 

MORPHO climbed from about $1.93 to an intraday high of $2.17 within hours, and daily volume rose close to 5 times to near $71 million, according to CoinGecko.

Upbit Still Handles More MORPHO Volume Than Binance

Nonetheless, the rush proved short. MORPHO slipped to nearly $1.9 on Sunday and now trades near at $1.99, roughly where it sat a week earlier. Daily volume has fallen back to about $22 million.

Still, the Korean flow did not leave entirely. The Upbit KRW pair accounts for 12.26% of daily MORPHO volume, the largest share of any market, ahead of Binance.

Won pairs across all venues make up about 13% of turnover. That concentration gives Korean retail traders significant influence over short-term MORPHO price movements.

The next few weeks should show whether Korean access turns into steady demand or stays a one-day event.

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Samsung Electronics and SK Hynix signed a combined $950 billion in artificial intelligence (AI) chip supply deals with Nvidia and Broadcom over the weekend.

Both stocks still fell in Monday trading, a disconnect that shows how much of the AI rally already sits in the price.

A Massive AI Infrastructure Deal

SK Hynix will supply $750 billion in memory chips to Nvidia and other US companies over several years. Nvidia put its own portion of that deal at $500 billion. The agreement covers new data centers targeted for 2027, and SK Hynix affiliate SK Telecom will build a cloud business on Nvidia’s Vera Rubin systems.

Nvidia enterprise vice president Raj Mirpuri said the deal secures a stable supply of high-bandwidth memory (HBM), the specialized chips that power AI processors and graphics cards.

Samsung separately signed a memorandum of understanding worth an estimated $200 billion with Broadcom. The agreement expands their memory and foundry collaboration, the companies said in statements Friday.

Is the AI Boom Already Priced In?

Despite the scale of the announcements, SK Hynix shares traded at 1,752,000 won Monday morning, down a little from Friday’s close, but also down 11.38% over five sessions. Samsung fell 0.50% to 248,500 won, extending its own 10.05% five-day slide. Nvidia closed down 0.92% at $206.84 in Friday’s session before edging higher in overnight trading.

The muted reaction fits a recent pattern. SK Hynix shares have slid even on positive news this month. US investors already pay a premium for its shares compared with Seoul, a gap that opened after its blockbuster Nasdaq listing earlier in July.

Both stocks are up sharply this year on AI demand, so traders appear to be booking profits rather than chasing another AI headline, regardless of the deal size.

The bigger test comes later this week. Samsung and SK Hynix report quarterly earnings that will show whether soaring chip orders are converting into profit. That result will tell investors whether this month’s record deal flow deserves a second look, or whether it is already old news.

The post SK Hynix, Samsung Ink $950 Billion AI Chip Deals, But Stocks Still Slide appeared first on BeInCrypto.

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Federal Reserve Chairman Kevin Warsh keeps predicting a Fed “family fight.” Wednesday’s policy meeting could finally deliver a real one, with economists expecting at least two hawkish dissents over interest rates.

Warsh has used the phrase 13 times since his April nomination hearing, according to a CNBC tally. His first meeting as chair ended in a unanimous hold last month.

A Feud That’s Been Building for Months

Wall Street expects a different outcome this week. JPMorgan’s Michael Feroli predicts a contested vote. He names Cleveland Fed President Beth Hammack and Dallas Fed President Lorie Logan as likely dissenters.

“The July FOMC will be a family feud… just as Kevin Warsh intended.”
Oscar Munoz, TD Securities

TD Securities’ Oscar Munoz agrees. Traders are already repricing the odds. CME Group’s FedWatch tool now shows 34.2% odds of a quarter-point hike, up from 12.8% just a week ago.

Oil and Chips Are Feeding the Feud

A collapsed U.S.-Iran ceasefire has pushed oil prices higher again. Brent crude climbed back above $100 a barrel, undoing the recent oil price relief. But a recent pause in hostilities has brought that price back down for the moment.

Chip shortages tied to the AI boom have raised consumer electronics prices too. Hyperscalers keep spending heavily on AI infrastructure, and that shows no sign of slowing. Fed Governor Chris Waller argues the central bank cannot just watch inflation and hope it fades, echoing Warsh’s own recent complaint about the Fed’s inflation framework mistake.

Cleveland Fed President Beth Hammack has been especially blunt about the stakes. She says businesses and consumers are both losing patience with prices.

“For the first time in my tenure, I’m hearing from businesses who say they think we need to take action to curb inflation, and from consumers who can’t make ends meet about a growing sense of despair.”
Beth Hammack, Cleveland Fed President

A softer June inflation report still favors a hold on Wednesday. The Fed’s next test also lands just as U.S. midterm elections near, adding political weight to the vote. But two hawkish dissents would turn Warsh’s family fight into the real feud he predicted all along.

The post Kevin Warsh Wanted a ‘Family Feud’ at the Fed; At Wednesday’s Meeting He Might Get One appeared first on BeInCrypto.

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Gold climbed more than one percent in Asian trading Monday. A weekend pause in US-Iran hostilities pushed oil prices lower and eased fears of prolonged high interest rates.

Spot gold traded at $4,106.65 per ounce Monday, up 1.33% on the day, according to TradingView data.

Oil Retreat Lifts Precious Metals

The pause came as advisers reportedly warned Trump that the military was nearing the limit of viable targets in Iran. They also flagged concerns about draining U.S. munitions stockpiles, prompting the pause in strikes. Iran will halt its own attacks as long as Washington does the same, a senior Iranian official told Reuters.

Oil prices tumbled as much as 7% on hopes for a diplomatic resolution. That reverses recent forecasts that Brent crude could revisit its war-era peak near $120 after going above $100 at the weekend. Lower energy costs typically ease inflation, reducing the odds the Fed holds rates high for longer. Gold’s appeal fades when rates stay high since the metal pays no yield.

Traders are still pricing an 80% chance of a rate hike in September, according to the CME Group’s FedWatch Tool, which tracks futures-implied rate expectations.

Gold also Boosts Silver

Other precious metals rallied in tandem. Spot silver climbed 2.7% to $59.74 an ounce, building on a recent breakout above key resistance. Platinum gained 2% to $1,619.75, and palladium rose 2.3% to $1,271.93.

COMEX gold speculators added 4,438 contracts to their net long position in the week to July 21. That brought the total to 123,586 contracts, according to CFTC data.

The Fed’s rate decision this week will test whether the truce holds long enough to sustain the rally. A split among 104 economists over the central bank’s next move shows how uncertain the path remains. That uncertainty deepens if fighting resumes and oil prices reverse.

The post Gold Gains as US-Iran Pause Also Sends Oil Prices Lower appeared first on BeInCrypto.

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