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Harvard endowment tilts harder into Bitcoin ETFs than Google stock

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Harvard endowment tilts harder into Bitcoin ETFs than Google stock

Harvard’s endowment has quietly made Bitcoin ETFs a top public holding, surpassing Google and joining other elite universities in rotating long‑term capital into digital assets.

Harvard University’s endowment is now leaning harder into Bitcoin (BTC) than into Silicon Valley’s most iconic search giant—and markets are taking note

Harvard’s Quiet Portfolio Pivot

“FUN FACT: Harvard University holds more in Bitcoin ETFs than it holds shares in Google,” Bitcoin Magazine posted on X on February 10, distilling a shift years in the making.

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Regulatory filings show Harvard built a roughly $116.7 million position in BlackRock’s iShares Bitcoin Trust in 2025, lifting its Bitcoin exposure above stakes in Alphabet and other big‑tech mainstays.

Subsequent disclosures indicate Harvard increased that wager, with some estimates putting its Bitcoin ETF holdings in the hundreds of millions and ranking the position among its single largest listed assets.

Commentary from the digital‑asset industry has been blunt. “Most people think Bitcoin is the gamble, but Harvard’s math clearly suggests that not owning enough of it is the bigger risk to their long‑term portfolio,” wrote SIG Labs.
Another bitcoiner framed it more simply: “Bitcoin is moving from theory to balance sheets.”

Endowments Move Into Crypto

Harvard is not alone. Brown and Emory universities have both disclosed sizable Bitcoin ETF and trust positions, running into the tens of millions of dollars in IBIT and Grayscale’s Bitcoin Mini Trust. One crypto media noted that “several prominent U.S. university endowments have disclosed investments in cryptocurrency – including Emory, Brown, and Dartmouth Universities.”

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Bitcoin, Google, and Macro Risk

Harvard’s rotation comes as digital assets again trade as a pure expression of global risk appetite. Bitcoin (BTC) is hovering around $68,400, with intraday swings pulling it below $70,000 twice in the past 24 hours as traders digest a near‑50% drawdown from its 2025 peak near $126,000.
Ethereum (ETH) changes hands near $4,760, up roughly 2.5% over the last day, while Solana (SOL) trades close to $208 after a gain of just over 5%, on volumes above $12 billion.

“This is Harvard flipping tech for BTC ETFs,” one trader wrote, calling it “wild” and a sign that “institutional adoption is officially peaking right now.”
If that proves true, Bitcoin beating Google inside the world’s richest university endowment may be remembered as more than just a memeable “fun fact.”

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Bitcoin price prediction ahead of White House meeting puts Clarity Act in focus

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Bitcoin price prediction ahead of White House meeting puts Clarity Act in focus - 1

Bitcoin price is trading in a tight consolidation range near $68,000 as markets await signals from an upcoming White House meeting on digital asset regulation, with the proposed Clarity Act emerging as a potential sentiment driver for the next directional move.

Summary

  • Bitcoin is consolidating near $68,000, with price hovering around a key long-term moving average as traders wait for signals from today’s White House meeting on digital asset regulation.
  • Momentum remains weak, with the Relative Strength Index (RSI) stuck in the low-30s, suggesting upside may remain limited unless BTC can reclaim resistance near $70,000.
  • Regulatory tone could act as the trigger, as discussions around the Clarity Act may influence sentiment and determine whether Bitcoin breaks higher toward $72,000 or revisits support near $66,000.

Price action suggests Bitcoin (BTC) is stabilizing after a volatile start to the year, with traders increasingly cautious as policy expectations collide with key technical levels.

Bitcoin price consolidates near key moving average

As shown on the chart, Bitcoin price has been oscillating around a major long-term moving average, which has acted as dynamic resistance and support over recent weeks.

Bitcoin price prediction ahead of White House meeting puts Clarity Act in focus - 1
Bitcoin price action | Source: Crypto.News

After briefly pushing above the level earlier in January, BTC failed to sustain upside momentum and slipped back into a sideways range.

The repeated interaction with this moving average highlights market indecision, as buyers step in on dips while sellers cap rallies near the same zone.

Momentum indicators reinforce the cautious tone. The Relative Strength Index (RSI) is currently hovering in the low-30s, remaining below the neutral 50 level and indicating weak underlying momentum.

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While RSI has stabilized after dipping closer to oversold territory, it has yet to show a convincing bullish reversal. This suggests that any upside attempt may struggle without a clear catalyst or a decisive break above resistance.

From a market structure perspective, Bitcoin remains range-bound, with higher lows forming since mid-January but upside attempts repeatedly stalling near the same resistance band.

If Bitcoin manages a daily close above $70,000, momentum could improve, opening the door for a move toward the $72,000–$73,000 resistance zone. A breakout accompanied by RSI pushing back above 40–50 would strengthen the bullish case.

On the downside, failure to hold the $66,000–$67,000 support area could expose BTC to a deeper pullback toward $63,000–$64,000, where buyers previously stepped in.

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Why the Clarity Act is back in focus

Today’s White House meeting on digital asset regulation is expected to bring together policymakers, regulatory officials, and industry representatives to discuss frameworks for the sector’s oversight — including the Clarity Act.

While no immediate legislative outcome is expected, market participants are watching closely for tone and any signs of progress toward regulatory clarity.

Bitcoin, widely viewed as a commodity, is seen as a potential beneficiary of clearer regulatory definitions. Momentum from today’s discussions could shift sentiment, particularly if leadership signals bipartisan support for structured oversight.

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Unified Liquidity Across All Blockchains

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Unified Liquidity Across All Blockchains

For years, the crypto industry has treated liquidity as a finite resource that projects must compete for through incentives and marketing. This approach has created fragmentation across networks, with the same assets requiring separate liquidity pools on different chains. Georges Chouchani, founder of Euclid Protocol, believes the industry has been solving the wrong problem.

In this exclusive interview, Chouchani explains how Euclid is building infrastructure that generates and optimizes liquidity rather than simply moving it between networks. With a recent $3.5 million raise from strategic investors, the protocol is preparing for its mainnet launch and token generation event.

Q: Liquidity has been a problem in crypto for years. What made you think the industry was solving it the wrong way?

A: I don’t think it’s about solving it the wrong way, but with the existing tech at that time, it was treated as a finite resource that applications and chains compete to grab through incentives and huge marketing spends. This is what we always term the “Zero Sum Game”. This hurt the industry by focusing on short-term tactics to acquire this liquidity, which is, by itself, mercenary (follows the highest returns). Protocols could not focus on the bigger picture or spend on improving their product and attracting long-term users. 90% of protocols fail due to a lack of liquidity available to tap into. With our tech, this changes. 

Q: Most solutions today focus on moving liquidity between networks. Why did you believe generating and optimizing liquidity was the more durable approach?

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A: Bridges and solutions to move liquidity between networks make this liquidity less efficient because the moved liquidity is no longer the “same” as the original asset and liquidity it originally was on the origin chain. This is why we see pools for ETH and WETH (wrapped ETH) as completely different; this means instead of having one efficient pool for ETH, it’s broken down into tens of pools across different protocols and chains. This means it will never be enough to onboard retail liquidity to decentralized protocols. 

With Euclid, we allow this liquidity to be accessible from any network and protocol, removing the need to move, wrap and fragment assets. This means protocols no longer spend millions on incentives for short-term access to liquidity and focus on their business model and initial product.

Q: You describe Euclid as a unified liquidity layer. In simple terms, how is that different from what most projects call “unified liquidity”?

A: Unified Liquidity is usually a term used by a protocol to explain that you can use an asset on any chain directly without directly bridging, or you can easily move assets between chains. Although a great solution for fragmentation, it does not tap into liquidity available in markets (where assets can be bought and sold), since the liquidity still exists inherently on different protocols or networks (by liquidity, we mean how much you can sell without a big impact on the amount you receive, or the best quote). 

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When we say a unified liquidity layer, we mean where markets are unified and accessible from 50+ networks. Before Euclid, if there is a $1M pool on 10 chains, you can only trade against $1M in liquidity, although $10M of liquidity actually exists. 

We can think of aggregators in the traditional sense as brokers that help traders settle a trade easily by finding the best path and taking a small fee for the effort. But the path still depends on the most liquid market for the trade. 

Euclid, however, you can think of it as the New York Stock Exchange, where all brokers trade across the world, as it is the most liquid venue to access. This is what our infrastructure offers. The goal is to power thousands of protocols, traders, and market makers by offering 24/7 highly liquid markets across any network. A goal so far thought impossible.

Q: Instead of finding prices from other markets, Euclid sets prices itself using an AMM and its own orderbook. Why was that an important choice?

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A: Finding prices from other markets defeats our original goal of unifying liquidity. We would become like any aggregator out there. We do not want to find the best price in the market for users; we want to be the best price in the market. It is not an important choice for us; it is the only way to do it. We all build on decentralized markets because we want to get rid of middlemen that charge fees and have access to privileged information that can be directly given to the user. 

Our infrastructure allows products and protocols to offer direct access to markets, investment opportunities, and more liquidity to users directly without bridges, aggregators, solvers, or whatever you want to call them, in a way that is both time and cost-efficient as well as more secure long-term. 

Q: Euclid allows one liquidity pool to work across more than 50 networks. What does that change for teams that usually manage liquidity chain by chain?

A: Assuming a lending protocol that plans to go multichain across 50 networks, it requires liquidations and hence markets to liquidate assets on these 50 networks, else they need to rebalance or bridge assets to where it’s liquid enough. Also, liquidity fragmented across these 50 networks will mean that there is less liquidity in one pool, hence less optimized prices, more slippage and hence tighter spreads and worse liquidations for users, making the whole user experience and business model worse.

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With Euclid, we take care of the liquidity and offer you the best markets for the protocol to liquidate and trade from anywhere. No need to rebalance assets on the backend, hedge, or bridge. The protocol can spend more time and money on building a better protocol as well as generating more revenue to invest in it long-term.

This is a game-changer for anyone looking to build and deploy decentralized protocols. 

Q: A lot of Euclid’s efficiency happens behind the scenes. What kinds of costs or complexity does it remove for users and protocols?

A: I could talk on and on about this. What we offer is more than a better quote when you buy Bitcoin; our infrastructure allows the efficiencies to show in all areas of the user experience using an integrated protocol.

First of all, interacting with assets on different chains or having a multichain portfolio is as easy as using Binance; you don’t have to worry about gas management, bridging, or asset rebalance. Although a few dollars here and there don’t seem like a big improvement, this saves the protocols millions every year that they can reinvest in the product and user experience. 

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$1M in volume a year for an average trader could lose over $10,000 to capital inefficiencies in fragmented markets. Over 1,000 traders, this is $10M in lost capital to the users and protocol. These numbers scale fast and are the “wasted energy” of Web3 that could be put to good use instead. This is one of the major reasons the NYSE was created and became the biggest market for people, brokers, and institutions to trade on a daily basis.

Q: Euclid is sometimes grouped with interoperability or chain abstraction projects. Why do you think that comparison misses the point?

A: Our infrastructure DOES improve interoperability and offer better chain abstraction, but it is definitely not what we are building. Unified markets onchain does make building multichain protocols or offering it to users much easier, but this is an effect of what we are building and not our main goal. 

The mess that chain abstraction and interoperability are solving exists because fragmentation exists across networks. Euclid solves this for liquidity. Liquidity no longer is fragmented and it trickles down directly to the user experience. 

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Today, protocols tackling chain abstraction require fillers or solvers in the backend to complete a user intent instantly, which is expensive and is the main reason behind capital inefficiency. If these protocols use Euclid instead (which they will be very soon), they won’t need middlemen of any kind to fill user intents, and will provide a much more seamless user experience to users.

Q: Euclid recently raised $3.5 million from strategic investors. What was hardest about raising funds for an infrastructure project like this in the current market?

A:  Although the market is harder than ever to raise in and liquidity is drying up, the main benefit is that only investors who are close and passionate about our vision decided to participate, which shapes us as long-term believers and supporters of the protocol and what we do. We’ve received support from strategic partners with whom we will work long-term to achieve our vision, and we are really grateful for this.

I also believe that today it is clearer than ever that infrastructure that permanently solves fragmentation and offers efficient markets is needed more than ever. As they say, you can predict the future of tomorrow by what is funded today.

Q: Several of the investors and partners are closely tied to the broader ecosystem. How do these relationships shape what Euclid is building next?

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A: Capital is just one part of what we look for in investors. The access to integrate Euclid and put it on the map is what we are looking for. We are more confident than ever that our product fits in the ecosystem, but introductions are needed to start the flywheel as well. 

It also creates the feedback loop of understanding what our partners need and their biggest problems, so we can make sure that our product solves this for them and keep iterating and updating our infrastructure to match the demand out there.

Q: As Euclid moves toward mainnet and a token, how are you thinking about the token’s role within the system rather than as a standalone asset?

A: The token is a value-accruing asset that aligns the entire ecosystem’s incentives. Every trade directly and indirectly accrues value to the holders, as well as it allows the protocol to use this token to incentivize more integrations (hence volume) and liquidity for even more efficient markets, and hence even more demand on trades, creating what we call the liquidity flywheel. 

It will also offer governance rights to its stakers to participate in voting on future incentives, fee structures, and next iterations of the product.

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US Court Sentences Fugitive in Major $73 Million Crypto Scam

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$3 Million Reportedly Lost in CrossCurve Bridge Exploit

A US federal court has sentenced a fugitive to the maximum statutory prison term for his role in a $73 million crypto fraud operation that targeted victims through fake investment platforms and online deception.

This case illustrates the growing risk of transnational crypto fraud. Scams like these have prompted US authorities to intensify investigations and enforcement targeting international money-laundering operations.

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The Anatomy of a $73 Million Crypto Scam Operation

According to the Department of Justice, Daren Li, a dual national of China and St. Kitts and Nevis, played a key role in an international cryptocurrency investment scam. It operated out of scam centers in Cambodia. 

The operation relied on social engineering, fake trading platforms, and money laundering networks to steal funds from victims in the US. Prosecutors said unindicted members of the conspiracy contacted victims through unsolicited social media messages, phone calls, and online dating services. 

After building trust through professional or romantic relationships, often using end-to-end encrypted messaging apps, the scammers directed victims to spoofed websites designed to resemble legitimate cryptocurrency trading platforms.

“While technology has made it possible for people to quickly communicate with others who live oceans away, it also has made it easier for criminals to prey on innocent victims,” First Assistant US Attorney Bill Essayli for the Central District of California stated.

In other variations of the scheme, scammers told victims that they were representatives of customer support or tech service companies. They then pressured victims into sending funds via wire transfers or cryptocurrency platforms to resolve fake computer issues or non-existent security threats.

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From Arrest to Escape: The Fugitive’s Flight

Li was arrested in April 2024 at Hartsfield-Jackson Atlanta International Airport. He pleaded guilty on November 12, 2024, to conspiring to launder proceeds from cryptocurrency scams and related fraud. 

As part of his plea agreement, he admitted that at least $73.6 million in victim funds was deposited into bank accounts controlled by him and his co-conspirators. Of that total, at least $59.8 million flowed through US shell companies used to launder the proceeds.

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Li also revealed that he directed others to open US bank accounts for shell companies, monitored international and domestic wire transfers, and oversaw the conversion of stolen funds into cryptocurrency to obscure their origin and ownership. 

Prosecutors said Li is the first defendant in the case to be sentenced at that level of involvement. Eight co-conspirators have already pleaded guilty.

However, before sentencing, Li fled. Prosecutors said he cut off his electronic ankle monitoring device in December 2025 and absconded. He remains a fugitive.

Despite his disappearance, the court proceeded with sentencing. On February 9, 2026, a federal judge sentenced Li to the statutory maximum of 20 years in prison. This would be followed by three years of supervised release.

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“The Criminal Division will work with our law enforcement partners around the world to ensure that Li is returned to the United States to serve his full sentence,” said Assistant Attorney General A. Tysen Duva of the Justice Department’s Criminal Division.

The sentencing marks the latest move in a broader Justice Department crackdown on global scam centers and crypto-related fraud. Last month, BeInCrypto reported that a US court sentenced a Chinese national to nearly 4 years in prison. The court also ordered him to pay more than $26 million in restitution for his involvement in a $36.9 million crypto scam.

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Kyndryl (KD) Stock Plummets 53% After Delayed Filing and CFO Departure

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KD Stock Card

TLDR

  • Kyndryl (KD) stock tanked 53% to $11.05 after company delayed filing quarterly report over internal control problems
  • Material weaknesses in financial reporting controls identified across fiscal 2025 and first half of fiscal 2026
  • CFO David Wyshner and Global Controller Vineet Khurana departed, both replaced with interim executives
  • Company reduced fiscal 2026 revenue forecast to -2% to -3% year-over-year on constant currency basis
  • Shares touched 52-week low of $10.82, extending 12-month decline to 46% before Monday’s crash

Kyndryl stock suffered a devastating blow Monday, plunging 53% to $11.05. The IT services company delivered a trifecta of bad news that sent investors running for the exits.


KD Stock Card
Kyndryl Holdings, Inc., KD

The company announced it would delay filing its December quarter report. Internal control weaknesses over financial reporting forced the postponement.

These aren’t isolated problems. The material weaknesses stretch back through all of fiscal year 2025 and the first two quarters of fiscal 2026.

Kyndryl tried to calm nerves by saying financial statements won’t be affected. The company claims balance sheets, income statements, and cash flows remain accurate.

Wall Street wasn’t buying it.

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Financial Leadership Vanishes Overnight

CFO David Wyshner walked out the door effective immediately. His sudden exit raised questions about what’s really happening behind the scenes.

Harsh Chugh took over as interim CFO. He currently serves as global head for corporate development and administration. Previous experience as Chief Operating Officer helps, but investors want permanent leadership.

Global Controller Vineet Khurana also left his position. That’s two top finance executives gone in one announcement.

Bhavna Doegar stepped up as interim corporate controller. She previously held the senior vice president of Finance and Strategy role.

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When pressed about whether these exits connected to the accounting problems, Kyndryl refused to comment. The company’s silence only fueled more speculation.

Revenue Outlook Takes Major Hit

Kyndryl released third quarter earnings alongside brutal revised guidance. Fiscal 2026 revenue now expected to fall 2% to 3% on a constant currency basis.

Extended sales cycles drove the downgrade. Deals are taking longer to close across the business.

Kyndryl Consult, one of the company’s fastest-growing segments, saw particularly stretched deal timelines. Legacy IBM contracts from before the spinoff continue creating headwinds.

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Oppenheimer analyst Ian Zaffino responded swiftly. He downgraded Kyndryl from Outperform to Perform and removed his price target completely.

The downgrade cited the shift in business dynamics and increased uncertainty from the CFO departure. Extended sales cycles in key growth areas added to concerns.

Shares hit a 52-week low of $10.82 during Monday’s rout. The stock had already fallen 46% over the previous 12 months.

Trading metrics show a P/E ratio of 13.91 and beta of 1.93, reflecting high volatility. Gross margins of 21.4% lag industry peers.

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The company now faces extended uncertainty while working through accounting issues and filling two critical finance positions with permanent hires.

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Nvidia (NVDA) Stock Jumps 5% on Big Tech Capital Spending Bonanza

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NVDA Stock Card

TLDR

  • Nvidia stock climbed 2.5% Monday following a 7.9% Friday rally driven by tech company AI spending plans
  • Tech giants expected to spend over $650 billion on capital expenditure in 2026, heavily focused on AI infrastructure
  • Analysts predict OpenAI’s $100 billion fundraising will benefit Nvidia, AMD, and Broadcom
  • Stock still faces headwinds from tech rotation, custom chip competition, and memory cost increases
  • February 25 earnings report expected to show 71% EPS growth and 67% revenue increase year-over-year

Nvidia shares rose 2.5% Monday, closing at $190.04. The gain extended a strong 7.9% rally from Friday that snapped a five-day decline.


NVDA Stock Card
NVIDIA Corporation, NVDA

The catalyst? Massive capital spending announcements from tech giants. Google parent Alphabet and Amazon led the charge with hefty infrastructure budgets.

Big U.S. tech companies are now projected to exceed $650 billion in capital expenditure for 2026. Most of that money will flow toward AI infrastructure buildout.

Capital Spending Wave Benefits Chip Makers

William Blair analyst Sebastien Naji sees Nvidia as a prime beneficiary. “The massive step-up in capex now expected in 2026 is likely to greatly benefit merchant accelerator providers like Nvidia,” he wrote.

Despite the recent gains, Nvidia shares remain barely positive for 2026. The stock has battled multiple headwinds in recent weeks.

Investor rotation away from technology stocks has pressured shares. Questions about OpenAI’s spending sustainability have also created uncertainty.

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The rise of custom AI chips threatens Nvidia’s market dominance. Rising memory component costs add another layer of concern for investors.

OpenAI Fundraising Could Shift Sentiment

D.A. Davidson analysts believe OpenAI’s planned fundraising could reverse some bearish sentiment. The ChatGPT developer aims to raise up to $100 billion.

“We expect that as investors go back to seeing OpenAI as a winner, the public companies in its orbit could re-rate considerably,” analyst Gil Luria wrote. “Most importantly that should drive outperformance in Nvidia.”

The optimism extends beyond Nvidia. Advanced Micro Devices gained 2.0% Monday while Broadcom added 2.3%.

Both companies have supply deals with OpenAI. The entire AI chip sector appears to be catching a bid from the fundraising news.

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Earnings Report Approaches

Nvidia reports quarterly results on February 25. Wall Street expects earnings per share of $1.52, representing 70.79% growth from last year’s comparable quarter.

Revenue projections sit at $65.56 billion. That would mark a 66.68% increase year-over-year.

Full-year estimates call for $4.66 in earnings per share on $212.62 billion in revenue. Those numbers represent growth of 55.85% and 62.93% respectively.

The stock trades at a forward P/E ratio of 25.33. That’s below the semiconductor industry average of 26.96.

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Nvidia’s PEG ratio stands at 0.55, well under the industry average of 2. The company currently holds a Zacks Rank of #2, indicating a Buy rating.

The semiconductor sector ranks in the top 39% of all industries based on Zacks Industry Rank methodology.

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Bitcoin Everlight App Now Offering 21% APY Rewards

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In early 2026, Ethereum staking continues to expand despite the sustained turbulence in prices across the broader cryptocurrency market. Participation in protocol staking remains high even as the returns compress. This reinforces Ethereum’s role as one of the core infrastructure assets while also highlighting the tradeoffs faced by long-term operators.

Within this environment, some technically experienced participants are exploring whether their knowledge can be applied to systems in which compensation is generated in Bitcoin and linked to execution-layer activity rather than token inflation.

Ethereum Staking Is Crowded, Yield Is Compressing

More than 36.9 million ETH is currently being locked on the Beacon Chain, which is around 30% of the total circulating supply. Validator participation remains high even in the face of severe price volatility. This signals long-term commitment to protocol participation.

However, that participation has come at the cost of lower returns. The Composite Ethereum Staking Rate now sits near 3.11%. Solo validators using MEV-boost strategies can still achieve higher effective rewards, averaging up to 5.69%, while operators without MEV optimization typically earn closer to 4%. The net returns for retail participants are lower once you subtract the platform fees, with Coinbase offering between 2.32% and 2.46% APY,  Kraken up to 2.96%–2.98% APR, and liquid staking via stETH hovering near 3.4%.

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Institutional scale has become a defining advantage in this environment. Large holders such as Bitmine Immersion Technologies, which controls over 4.3 million ETH with roughly 2.9 million staked, are able to sustain meaningful revenue despite compressed yields. At the same time, continued validator queue growth and minimal exits reinforce that while commitment remains strong, reward dilution is tightening margins for smaller and less efficient operators.

How Everlight Operates Alongside Bitcoin

Bitcoin Everlight operates as a Bitcoin-adjacent execution network designed to extend transaction handling without altering Bitcoin’s base protocol, consensus rules, or monetary policy. Bitcoin remains the authoritative settlement layer, preserving its role as the source of finality and security, while Everlight is positioned strictly at the execution layer.

Within this structure, Everlight focuses on transaction coordination tasks that Bitcoin itself is not optimized for, including routing efficiency, availability management, and rapid confirmation. Transactions are processed through a distributed set of Everlight nodes that coordinate execution activity independently of Bitcoin’s block production, allowing confirmations to occur in seconds rather than minutes.

To maintain alignment with Bitcoin’s security model, Everlight supports optional anchoring mechanisms that periodically record execution data back to the Bitcoin blockchain. This approach links high-frequency execution activity to Bitcoin’s settlement finality without modifying Bitcoin itself, allowing each layer to operate within its intended design constraints.

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Converting Execution Experience Into Bitcoin Rewards

Everlight participation centers on operating execution-layer nodes that manage transaction throughput and network availability. These nodes do not validate Bitcoin blocks and do not function as Bitcoin full nodes. Their performance is continuously evaluated based on responsiveness, routing efficiency, and reliability.

Node operators commit BTCL to participate and receive Bitcoin generated from real network usage. BTC distribution scales with transaction handling volume, availability scoring, performance efficiency, and operational class across multiple node tiers. Higher tiers assume greater routing responsibility and receive proportionally larger shares of Bitcoin distributions.

Participation carries no mandatory lock period. Bitcoin accrues only while a node remains active and meets performance thresholds. Nodes that fall below required standards are deprioritized until metrics recover. Under current network parameters, estimated annualized Bitcoin rewards reach up to 21%, reflecting aggregate transaction demand and operator contribution rather than fixed emissions.

Mobile App Simplifies Control for Node Operators

The Everlight mobile app is available to node operators and provides direct visibility into participation. Operators can monitor node status, uptime consistency, routing activity, and Bitcoin earned from network usage directly from a smartphone.

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Live metrics are paired with smart alerts notifying operators of uptime disruptions, performance changes, and BTC distribution events. This app-based interface reduces operational overhead while keeping execution control with the operator.

Independent technical analysis examining Everlight’s execution model and node mechanics has been published by Crypto League.

Third-Party Security Reviews Support Credibility

Bitcoin Everlight has completed independent third-party security assessments focused on smart contract logic, execution-layer behavior, and deployment risk. The SpyWolf and SolidProof audits examine transaction handling, permission structures, and edge-case failure scenarios under realistic operating conditions.

Operational accountability is reinforced through independent team identity verification conducted via SpyWolf and Vital Block, confirming the individuals responsible for development and ongoing network operations.

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Token Supply and Presale Parameters

Bitcoin Everlight operates with a fixed total supply of 21,000,000,000 BTCL. Allocation is defined as 45% public presale, 20% node rewards and network incentives, 15% liquidity provisioning, 10% team allocation under vesting, and 10% reserved for ecosystem development and treasury use.

The presale follows a 20-stage structure. Phase 3 is currently active, with BTCL priced at $0.0012. Presale allocations unlock 20% at token generation, with the remaining 80% distributed linearly over six to nine months. Team allocations follow a 12-month cliff with 24 months of vesting thereafter. BTCL utility is limited to transaction routing fees, node participation thresholds, performance incentives, and anchoring operations.

Website: https://bitcoineverlight.com/

Security: https://bitcoineverlight.com/security

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How to Secure: https://bitcoineverlight.com/articles/how-to-buy-bitcoin-everlight-btcl

Disclaimer: The above article is sponsored content; it’s written by a third party. CryptoPotato doesn’t endorse or assume responsibility for the content, advertising, products, quality, accuracy, or other materials on this page. Nothing in it should be construed as financial advice. Readers are strongly advised to verify the information independently and carefully before engaging with any company or project mentioned and to do their own research. Investing in cryptocurrencies carries a risk of capital loss, and readers are also advised to consult a professional before making any decisions that may or may not be based on the above-sponsored content.

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Ripple expands RLUSD stablecoin use in UAE via Zand Bank

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Ripple expands RLUSD stablecoin use in UAE via Zand Bank

Ripple has expanded the reach of its RLUSD stablecoin in the Middle East through a new strategic partnership with UAE-based digital bank Zand, a move that could have longer-term implications for the XRP ecosystem.

Summary

  • Ripple has expanded the reach of its RLUSD stablecoin in the Middle East through a strategic partnership with UAE-based digital bank Zand, targeting regulated on-chain finance use cases.
  • The collaboration will deploy Zand’s AED-backed stablecoin (AEDZ) alongside RLUSD to support blockchain-based payments, settlement, liquidity management, and tokenization.
  • While the deal focuses on stablecoins, Ripple’s growing institutional footprint is viewed as a supportive backdrop for XRP, which was trading at $1.41, up 1.3% over the past 24 hours.

Ripple and Zand target on-chain finance in the UAE

Under the partnership, Zand and Ripple will collaborate to advance the digital economy by deploying solutions powered by Zand’s AED-backed stablecoin (AEDZ) and Ripple’s U.S. dollar stablecoin (RLUSD).

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The initiative aims to support the migration of traditional financial services on-chain using stablecoins, blockchain infrastructure, and tokenization.

Zand said the partnership represents a “significant step forward” in expanding real-world use cases for digital assets, particularly as regulated financial institutions explore blockchain-based settlement, payments, and liquidity management.

By combining AEDZ and RLUSD, the two firms are positioning themselves to facilitate multi-currency on-chain transactions in a regulated environment.

XRP price amid Ripple’s expansion

While the announcement centers on stablecoins rather than XRP directly, Ripple’s expanding institutional footprint is often viewed as a supportive backdrop for XRP’s long-term utility narrative.

XRP has historically traded as a proxy for sentiment around Ripple’s business momentum, particularly in regions where RippleNet adoption is growing. The Ripple token (XRP) was exchanging hands at $1.41 at press time, up 1.3% in the last 24 hours.

In the near term, XRP price action remains driven by broader crypto market conditions and risk appetite. However, continued progress in stablecoin adoption and enterprise partnerships could reinforce investor confidence in Ripple’s ecosystem over time.

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As Ripple deepens its presence in the UAE through Zand, the move highlights how stablecoins, not just volatile cryptocurrencies, are becoming a core pillar of blockchain adoption in regulated financial markets.

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Compliance-First Prediction Markets for White-Label Neo Banks

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Launch Enterprise dApps Without Budget Overruns

Prediction markets moved from niche experimentation to institutional-grade financial infrastructure in a very short time. For serious investors, the question is no longer whether they are interesting, but how they can be built, governed, and monetized inside regulated financial rails. The acceleration we saw in 2025 proved two things:

1. The market can scale to multi-billion dollar notional flows while attracting retail and institutional liquidity.
2. The ecosystem matured technically, with interoperable oracles, hybrid settlement rails, and audited market logic that reduces systemic counterparty risk.

For an investor evaluating white-label neo-banking platforms, embedding a prediction-market module is not a gimmick. It is a strategic lever that can unlock new fee streams, create stickier customer lifecycles, and produce market signals that feed risk systems and trading desks. Let us scroll through the blog to uncover the architecture, the regulatory contours, the commercial levers, and how an end-to-end partner can deliver enterprise production.

Are Prediction Markets Really Winning in 2026 & Beyond?

“In 2025 alone, global prediction market trading volumes hit $44 billion across major platforms, while economics-focused contracts grew roughly 905% YoY to about $112 million in volume.”

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By the end of 2025, prediction markets had reached a scale that turned heads across capital markets. Aggregate platform volumes for the year were reported in the high tens of billions of dollars, and specialized economic contract categories posted triple- and quadruple-digit growth rates. demonstrating real demand for event-based hedging and information products.

The competitive landscape now features two complementary rails. Regulated derivatives exchanges provide a compliant on-ramp for retail and institutional brokerage integration. On-chain platforms provide composability, programmable settlement, and tokenized liquidity. Both rails are attracting strategic partnerships and buy-side interest, which drives network effects and market depth. At the same time, regulators are moving from avoidance to active rulemaking and engagement, which reduces legal tail risk for properly structured products.

This is a clear implication for all the serious and visionary investors interested in launching their own crypto-friendly banking solutions. Prediction markets are no longer experimental curiosities. They are a fast-growing market infrastructure with real revenue potential and predictable paths to regulatory clarity. The winners will be platforms that combine robust legal frameworks, audited market logic, institutional liquidity, and seamless integration into existing financial products.

Who Should Build a Crypto Neo Banking Platform With a Prediction Market In It?

Not every financial platform needs prediction markets, but for some, the opportunity is too strategic to ignore. Platforms aiming to move beyond conventional digital banking and introduce high-engagement, event-driven financial products are already exploring this direction. Enterprises evaluating white label crypto neo bank development are particularly well-positioned, as the infrastructure foundation is already in place, allowing them to experiment, launch, and scale advanced market features far more efficiently.

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Investor Type Why should they build? Expected benefits
Institutional asset managers and hedge funds Access alternative data signals and hedging instruments Real-time macro signals, bespoke hedging, new alpha sources
Challenger neo-banks and fintechs Differentiate the product suite and boost retention Higher DAU, cross-sell of savings and credit, premium subscriptions
Traditional retail brokers and wealth platforms Provide event hedging products to clients New fee lines, increased platform trading volume, client stickiness
Payment platforms and digital wallets Embed engagement and micro-bets tied to promotions Improved LTV, conversion from marketing, monetized data streams
Sportsbooks and media companies Expand event offerings and monetize audience engagement White-label markets, sponsored liquidity pools, integrable odds feeds
Venture funds and platform investors Strategic asset with platform-level defensibility Tokenomics-enabled governance, network effects, data monetization
Banks exploring innovation Pilot regulated event contracts as a low-risk product Controlled rollouts, offline audit trails, compliance-first revenue

Each ICP will value different delivery attributes. Institutional buyers prioritize auditability, custody, and settlement certainty. Consumer platforms prioritize UX, onboarding friction and fraud protection. A good integration plan into a customized BaaS platform maps these priorities to architecture, compliance, and go-to-market.

Benefits of Integrating Prediction Markets Into Existing BaaS Solutions?

  • New diversified revenue: trading fees, market creation fees, subscription products, and data licensing.
  • Improved user engagement: gamified markets increase DAU, cross-sell rates, and deposit retention.
  • Alternative hedging instruments: event-based positions for macro and idiosyncratic risk management.
  • Premium product differentiation: unique features for high-value clients and institutional desks.
  • Proprietary data assets: structured event outcomes become monetizable signals for research and asset management.
  • Elastic scaling of product offerings: markets can be white-labeled for partners and sponsors.
  • Regulatory arbitrage mitigation: hybrid designs enable compliant offerings that would otherwise be restricted to on-chain-only models.
  • Operational synergy: integrates with existing KYC, custody, and customer support infrastructure to keep the marginal cost of new products low.

Essential Components of NeoBank App Platform Development with Prediction-Market

  1. Market engine: deterministic, auditable smart contracts or exchange matching logic with replayable trade history.
  2. Oracle fabric: redundant oracle sets with economic incentives, cryptographic proofs and dispute resolution.
  3. Liquidity stack: AMM templates, maker incentives, and external market maker APIs for deep order books.
  4. Settlement rail: choice of on-chain (USDC / stablecoin), off-chain clearing, or hybrid settlement to meet FX, custody, and reconciliation needs.
  5. Custody & KYC integration: segregated hot and cold custody, administrator keys, and seamless KYC/AML flows tied into the bank rails.
  6. Governance and dispute layer: tokenized or multisig dispute escalation, transparent resolution windows, and legal arbitration interfaces.
  7. Risk controls: real-time exposure limits, automated position throttles, and scenario stress testing.
  8. Front-end and trading UX: low latency order entry, tick-level market depth, market creation UI, and clear risk disclosures.
  9. Audit and verification: formal verification of contracts, third-party security audits, and reproducible testnets.
  10. Data and analytics: streaming market telemetry, user cohort metrics, pricing oracles, and API endpoints for downstream quant and trading desks.

These components should be architected as modular services, allowing regulated institutions to activate or restrict specific functionalities in alignment with their compliance frameworks. Delivering such a system with precision typically requires collaboration with a seasoned and certified crypto banking development company that brings extensive domain experience, a multidisciplinary engineering team, and in-house legal expertise to navigate regulatory and licensing complexities. In addition, the partner you engage should possess strong API integration capabilities and established working relationships with reputable third-party infrastructure providers, ensuring seamless interoperability and dependable operational continuity.

Evaluate Your Platform Architecture With Our Experts

How Does Antier Help Build Enterprise-Grade Prediction Market Integrated White-Label Neo Bank Apps?

Antier delivers a full A-to-Z white label neo bank app solution built for institutional buyers. The following is a pragmatic flow that maps to investor expectations and operational controls.

1. Discovery and requirements engineering

  • Regulatory scoping for jurisdictions of operation.
  • Product definition with investor KPIs such as take rates, expected volumes and settlement currencies.
  • Risk appetite and allowed event categories.

2. Architecture and design

  • Define settlement topology: L1, L2 or hybrid.
  • Design oracle strategy: primary and fallback feeds, economic incentives and slashing rules.
  • Select a liquidity approach: built-in AMM, partner market makers, and provisioned maker funds.

3. Smart contract and exchange development

  • Build auditable market logic, a matching engine, or AMM contracts.
  • Code formal verification where required.
  • Implement staking, fee routing, and governance modules.

4. Compliance, legal, and controls

  • Integrate KYC/AML providers and transaction monitoring.
  • Draft product legal wrappers, customer terms and disclosure templates.
  • Engage counsel for derivatives and gambling law as applicable.

5. Security and audit

  • Comprehensive security audits from multiple independent firms.
  • Penetration testing, bug bounty setup, and continuous monitoring.
  • Operational runbooks and incident response plans.

6. Custody and settlement integration

  • Integrate institutional custody providers for fiat and crypto.
  • Implement ledger reconciliation, proofs of reserves, and audit trails.

7. UX, SDKs and APIs

  • White-label web and mobile front ends designed for low-friction onboarding.
  • Provide SDKs for market creation, order execution, data streams and settlement APIs.

8. Pilot and liquidity seeding

  • Execute controlled pilots with predefined resolution windows.
  • Provide initial liquidity incentives and market maker agreements.

9. Ops, reporting and monetization

  • Build compliance reporting pipelines, audit logs, and tax reporting.
  • Implement fee routing, subscription management and data productization.

10. Post-launch governance and scaling

  • Ongoing legal support for emerging rules.
  • Scalable infra upgrades for peak market days and institutional integrations like broker partners.

Being the leading blockchain and AI development company, Antier’s delivery emphasizes the separation of concerns. The bank retains control over custody and regulatory reporting. Antier provides the market logic, oracles, integration and production runbooks so that a neo-bank can operate prediction markets with institutional safeguards.

How Prediction Markets Create a Competitive Advantage for White-Label Neo Banking Platforms?

Prediction markets act as a true differentiation layer for white-label neo banks when they move the platform from a set of commoditized utilities into an interactive financial ecosystem. Rather than another feature checkbox, a well-designed prediction module changes how users interact with money, risk, and information inside the app. For investors, this matters because differentiation must translate into measurable business outcomes: higher retention, new revenue line,s and proprietary assets that are hard to copy.

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How does it work in practice?

a) New financial primitives inside the product stack. Markets let customers take positions, hedge exposures or acquire probabilistic insights directly from the bank’s interface. These are not marketing gimmicks. They are real instruments that increase transaction frequency and stickiness.

b) quidity footprints and behavioral cohort patterns. Over time, those signals become a defensible data moat that can be monetized through research products, premium analytics,s or B2B feeds.

c) Network effects and liquidity defensibility. Active markets attract makers and takers. As liquidity deepens, spreads tighten, and user experience improves. This creates a virtuous cycle that raises the barrier to entry for competitors.

d) Faster monetization with modular integration. White-label neo bank solutions already have custody, KYC, and payment rails. Adding a prediction layer is largely incremental engineering that yields multiple monetization levers: fees, market creation commissions, and subscription analytics.

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Investor-focused metrics to watch
  • Incremental daily active users attributable to markets
  • Fee per active market and margin after liquidity incentives
  • Data revenue per month from market analytics and API clients
  • Churn delta for users who participate in markets versus control group

Takeaway 

For investors, prediction markets are not simply product innovation. When implemented with institutional rigor, they create measurable differentiation, recurring revenue, and a proprietary data asset that collectively strengthen the platform’s defensibility and valuation.

How Much Does a Prediction Market in White-Label BaaS Platforms Cost?

Cost is driven by architecture, jurisdiction, and desired speed to market. White label neo banking platform development with prediction market cost drivers includes legal and compliance, security audits, Oracle integration, liquidity seeding, smart contract engineering, and UI/UX. Choosing a true hybrid settlement model increases integration complexity and therefore cost but often lowers long-term operational risk and regulatory friction. From a strategic perspective, investors should focus less on headline integration cost and more on unit economics. That means modeling fee capture per market, expected liquidity depth, projected churn reduction, and data product revenue. Practical tactics to control spending include phased delivery, reusing audited open standards for AMMs and oracles, and using partner liquidity before committing proprietary capital.

Join Hands With Antier’s Accredited Fintech & Crypto Experts!

For institutional investors evaluating white-label neo-bank opportunities, prediction markets are a force multiplier. They provide distinct monetization avenues, generate proprietary data, and offer new hedging instruments. The market has matured to an inflection point where volumes and institutional participation justify production deployments, but regulatory work remains an essential part of the build plan.

Get in touch with Antier to launch your white label banking solution in just a few weeks and under professional guidance. Our approach combines deep technical engineering, formal verification, institutional custody integration, and specialist regulatory support so the client can scale markets responsibly. We help clients define the product, build robust market logic, integrate custody and compliance, seed liquidity, and operate at enterprise SLAs. If you are an investor or platform executive, integrating prediction markets is a strategic decision. With the right partner and a defensible compliance posture, it becomes a predictable, accretive growth engine.

Frequently Asked Questions

01. What are prediction markets and why are they gaining traction in 2026?

Prediction markets are platforms that allow users to bet on the outcomes of future events. They are gaining traction due to significant growth in trading volumes, reaching $44 billion in 2025, and the maturation of the ecosystem, which now features regulated exchanges and on-chain platforms that enhance liquidity and reduce risks.

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02. How can embedding a prediction-market module benefit neo-banking platforms?

Embedding a prediction-market module in neo-banking platforms can unlock new fee streams, enhance customer engagement, and provide valuable market signals that inform risk management and trading strategies.

03. What regulatory changes are impacting prediction markets?

Regulators are shifting from avoidance to active engagement, which is leading to clearer rulemaking and reducing legal risks for properly structured prediction market products, thereby fostering a more stable environment for investment.

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Jump Trading to take small stakes in prediction markets Polymarket, Kalshi: Bloomberg

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Jump Trading to take small stakes in prediction markets Polymarket, Kalshi: Bloomberg

Jump Trading plans to take a small stake in each of the prediction-market platforms Kalshi and Polymarket, Bloomberg reported on Monday, citing people with knowledge of the matter.

The trading powerhouse, which has a significant focus on cryptocurrency, will gain the stakes in exchange for providing liquidity on the two platforms.

Jump is set to take a fixed amount of equity in Kalshi, while its stake in Polymarket will grow over time depending on the trading capacity that the firm provides to the platform’s U.S. operation.

Kalshi and Polymarket are the two most prominent prediction-market platforms, having both acquired multibillion dollar valuations. They rely on market makers like Jump to put up the money to take the other side of customers’ trades. Market makers then profit from the difference in price movements.

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Jump expanded into prediction-market trading in recent months, recruiting 20 staffers in recent months for that business, according to Bloomberg.

The firms did not immediately respond to CoinDesk’s request for further comment.

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Bitcoin, Ethereum, Crypto News & Price Indexes

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Bitcoin, Ethereum, Crypto News & Price Indexes

Publicly listed companies that hold Solana as a treasury asset are sitting on more than $1.5 billion in unrealized losses, based on disclosed acquisition costs and current market prices tracked by CoinGecko.

The losses are concentrated among a small group of United States-listed companies that collectively control over 12 million Solana (SOL) tokens, about 2% of the total supply. While losses remain unrealized, equity markets have already repriced the companies, with most trading well below the market value of their tokens. 

CoinGecko data shows that Forward Industries, Sharps Technology, DeFi Development Corp and Upexi account for over $1.4 billion in disclosed unrealized losses. The total is likely understated, as Solana Company has not fully disclosed its acquisition costs.

The figures highlight a growing gap between paper losses and liquidity pressure. While none of the companies have been forced to sell their SOL, compressed net asset value (mNAV) multiples and falling share prices have constrained their ability to raise fresh capital.

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Top five Solana treasury companies by holdings. Source: CoinGecko

Accumulation stalls across Solana treasuries

Transaction data compiled by CoinGecko shows that the bulk of SOL accumulation occurred between July and October 2025, when several companies made large, concentrated purchases. 

Since then, none of the top five Solana treasury companies have disclosed meaningful new buys, and no onchain sales have been recorded. 

Forward Industries, the largest holder, accumulated over 6.9 million SOL at an average cost of about $230. With SOL trading around $84, Forward has unrealized losses of over $1 billion. 

Sharps Technology made a single $389 million purchase near the market peak. The company’s SOL is now worth about $169 million, down over 56% from its acquisition cost. 

DeFi Development Corp followed a more gradual accumulation strategy and reports smaller losses, but its shares still trade below the value of its SOL holdings.

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Solana Company, which built a 2.3 million SOL position over several tranches of purchases, has also paused accumulation since October, according to CoinGecko’s transaction history.

Related: Kyle Samani leaves Multicoin in ‘bittersweet moment’ to explore new tech

Equity markets signal a treasury winter

Equity price data from Google Finance shows that the top five Solana treasury companies have suffered sharp drawdowns in the last six months, significantly underperforming SOL itself. 

Forward Industries, DeFi Development Corp, Sharps Technology and Solana Company stock prices are down between 59% and 73% in the six-month charts. 

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Six-month price chart of Forward Industries. Source: Google Finance

CoinGecko data shows that Upexi has $130 million in unrealized losses on its SOL holdings. However, its shares have fallen more sharply than its peers. 

Upexi shares are down more than 80% over the past six months, according to Google Finance. Like other Solana treasury firms, Upexi has paused new accumulation since September.