Crypto World
What to Know About the Growing Concerns Over Conditions on the Long-Deployed USS Abraham Lincoln
In a letter to Hegseth and Cao, Sen. Richard Blumenthal of Connecticut, a member of the Senate Armed Services Committee, noted that the vessel’s crew members have not been to a port in a record-setting 200-plus days and demanded answers to a series of questions about the crew and the state of the ship.
“There have been widespread reports of shortages of basic supplies, water contamination, plumbing issues, deteriorating mental health, deck safety concerns, and disruptions in the mail system,” Blumenthal wrote. “These reports warrant immediate attention, but they also raise a broader question: whether the Navy can sustain the operational tempo now being demanded of its carrier force, particularly as this Administration repeatedly commits U.S. forces to conflicts of its own choosing and increasingly relies on aircraft carriers to sustain those operations.”
He also noted that the long deployment of the Lincoln is not an isolated incident, “suggesting that extended deployments may be becoming a feature rather than an exception of the Navy’s force-generation model.” The USS Gerald R. Ford, used for the U.S.’s military operation in Venezuela, spent 326 days at sea before its return in May, Blumenthal wrote, which he noted was “nearly twice the length of a traditional six-month carrier deployment and the longest modern U.S. carrier deployment since the Vietnam era.”
This Friday, we examine Ethereum, Ripple, Cardano, Binance Coin, and Hyperliquid in greater detail.
Ethereum (ETH)
This week, Ethereum hugged the key support at $1,800 with a minor loss of 2%. While this puts sellers in a more favorable position, they will need to break the support if they want to take the initiative.
The current ETH price action shows significant weakness after forming a lower high just below $2,000. Buyers were not able to claim that level as support; this is why bears are returning.
Looking ahead, Ethereum will likely test $1,800 again. If that level fails to hold, this cryptocurrency may revisit the support at $1,500, where buyers finally returned in early July.
Ripple (XRP)
XRP has had a difficult week, struggling to hold above $1. The price also fell by nearly 3% and is inches away from turning $1 into a key resistance. All it takes is one more push by sellers.
If $1 becomes resistance, this will only prolong the current downtrend, which started in August 2025. Since this is also a major psychological level, any loss of support will be costly and see buyers retreat much lower, with the next key support level at $0.80.
Looking ahead, this cryptocurrency has a very low chance of reversing its current downtrend, especially after the price fell from two identical pennants. This only reconfirmed that bears are in total control over the price.
Cardano (ADA)
Cardano started the month well, but now sellers have returned and pushed the price 10% lower this week alone. That’s bad news for bulls, which may have retreated already to the key support at 15 cents.
Should this corrective move continue, then a re-test of $0.15 is very likely. That level has to hold if ADA hopes to avoid new lows. Any weakness there could suddenly see the price spike much lower.
Looking ahead, it appears Cardano could also end up consolidating above the key support if buyers manage to stabilize the price in this area. A consolidation period would be healthy after its prolonged downtrend that started in 2025.
Binance Coin (BNB)
Binance Coin closed the week 3% higher after confirming support at $580. If sellers don’t return here, then BNB has a good chance to continue higher and towards the key resistance at $690.
At the time of this post, this cryptocurrency is trading around $610. As long as the price is above $600, buyers will have an advantage in terms of momentum. However, the buy volume remains low.
Looking ahead, BNB could be forming a large rounded bottom around current levels. That will be confirmed if the price moves above $630. If so, a test of $690 becomes more likely in the future.
Hype (HYPE)
HYPE remained flat on the weekly timeframe and was rejected at the $58 resistance. If nothing changes in the days to come, then the price could revisit the key support at $52.
So far, this cryptocurrency has been making lower lows and lower highs since its all-time high at $76 back in June. Considering its significant rally in the first part of the year, the current correction could also last a while.
Looking ahead, the most decisive level on the chart is found at $52. This key support has stopped sellers from making new lows, but it could be retested again soon, which could be interpreted as bearish. Best to be patient here and follow the price.
The post Crypto Price Analysis August-14: ETH, XRP, ADA, BNB, and HYPE appeared first on CryptoPotato.
Shares of Five Below (FIVE) are almost at a buy point, after an analyst upgraded the stock to a buy rating, calling it the next TJX Cos. (TJX) of value retailing. Jefferies analyst Randal Konik raised Five Below to buy from neutral, and gave the price target a hefty increase to 350 from 210. The stock climbed 2% to 242.82…
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Binance Research says Gen Z traders on the exchange are steadily shifting a larger share of their equity-related activity toward exchange-traded funds (ETFs), while direct stock trading is taking up less of the cohort’s overall flow. The trend stands out across Binance’s coverage of direct equities, tokenized stocks, and traditional finance perpetuals.
In early August, Binance Research reported that ETFs made up 25% of Gen Z trading volume within its analysis group. The same study found that ETFs accounted for 21.9% of Gen Z net equity inflows in July, up from 18.5% in June, as the share routed to individual stocks fell to 74.2% from 77%.
Key takeaways
- ETF demand is rising: Gen Z’s ETF share of trading volume reached 25% in early August, and ETF net inflows climbed to 21.9% in July.
- Direct stocks lose share: the portion of Gen Z net equity inflows going to individual stocks dropped to 74.2% from 77%.
- Gen Z trades less often: in TradFi perpetuals, Gen Z averaged 13 monthly trades versus 17 for Millennials and 16.5 for Gen X.
- Fewer sell orders among Gen Z: 22% of Gen Z direct-equity accounts had never placed a sell order, compared with 19% for Gen X and 9% for Baby Boomers.
- Limited appetite for leverage: 88.2% of Gen Z TradFi perpetual accounts recorded no activity in leveraged or inverse ETFs.
Gen Z’s ETF shift: what the Binance Research data shows
The Binance Research analysis compared Gen Z accounts with older working-age generations (Millennials, Gen X, and Baby Boomers) across several measures, including trading frequency, net inflows, and the use of leverage. The study looks at activity spanning direct equities, tokenized stocks, and traditional finance perpetuals.
Within that framework, the ETF share of Gen Z activity increased in a stepwise pattern. Binance Research pointed to July as a key month: ETF net inflows for Gen Z rose to 21.9%, up from 18.5% in June. Over the same period, the allocation to individual stocks declined, falling to 74.2% from 77%.
While the figures describe allocation, they also hint at how younger participants may be approaching equity exposure on exchange venues that offer both spot-like instruments and ETF wrappers. For investors, that matters because a growing preference for ETFs can mean broader diversification and potentially different risk profiles compared with concentrated single-stock positioning.
Trading behavior differences: frequency, “buy-only” accounts, and leverage use
Binance Research also reported behavioral differences in how often Gen Z engages with these products. Across all three categories examined, Gen Z traded less frequently than other working-age cohorts. In TradFi perpetuals, Gen Z averaged 13 monthly trades—below Millennials at 17 and Gen X at 16.5.
The study further found a notable skew in sell-order behavior among younger users. For Gen Z direct-equity accounts, 22% had never placed a sell order. By comparison, 19% of Gen X accounts and 9% of Baby Boomer accounts showed the same “buy-only” pattern. Millennials, meanwhile, had the highest share of buy-only accounts at 30%.
Among the Gen Z buy-only accounts, Binance Research cited cumulative purchases that included Broadcom and Tesla, as well as the Schwab US Dividend Equity ETF—suggesting that even when participants primarily buy, their preference can extend to ETF exposure rather than only individual stocks.
On leverage, Gen Z also appeared more cautious in Binance Research’s view. The share of Gen Z TradFi perpetual accounts with no activity in leveraged and inverse ETFs was 88.2%. That compares with 84.5% for Millennials and 85.9% for Gen X.
Tokenized stocks: bStocks briefly passes xStocks as the market keeps expanding
Separately from the generational ETF flow data, Binance-related tokenized equities saw a brief ranking change this week. Binance’s bStocks temporarily overtook Kraken’s xStocks as the second-largest tokenized stock issuer, according to Token Terminal.
As of Tuesday, Token Terminal data showed bStocks at $610.6 million in tokenized stock value, versus xStocks at $601.2 million. By Friday, the positions reversed: xStocks were at $610.7 million while bStocks stood at $579.6 million. In that snapshot, xStocks represented 22.3% of the roughly $2.7 billion tokenized stock market, while bStocks accounted for 21.2%.
Ondo Finance remained the largest issuer in that period, with $971.8 million in tokenized stock value. Token Terminal also tracked broader growth across the sector, with RWA.xyz reporting distributed value for its tokenized stocks page at $2.43 billion as of Friday—about 5% higher over the previous 30 days.
For market observers, the rapid flip between bStocks and xStocks underscores how quickly tokenized equity rankings can change in a still-expanding segment—especially when issuance is relatively concentrated among a few providers. It also reinforces why investors tracking tokenized assets often monitor issuer shares as a proxy for where capital is flowing within the broader regulated-assets trend.
What to watch next: early-stage data limits and evolving allocation
Binance Research cautioned that its direct-equities product only reached meaningful scale in June, creating a relatively short window to draw longer-term conclusions. Even so, the direction of travel—more ETF allocation among Gen Z and reduced share for individual stocks in inflows—offers a signal worth monitoring as the data window expands.
Investors and traders should watch whether the ETF share in Gen Z activity continues to rise beyond early August and whether tokenized stock issuance rankings stabilize or remain volatile as additional capital enters the market.
Crypto World
Bitcoin Hits 10-Day Low Despite Positive CPI Data as Strategy Keeps Selling: Weekly Crypto Recap
The end of the week is here, which means that we will take a look at what happened in the past seven days, from the good, the bad, and the ugly price movements.
Let’s begin from this time last Friday when bitcoin was actually fighting for the $65,000 level despite the latest setback in the CLARITY Act saga and the lack of an actual deal between the US and Iran, although such was promised by the POTUS. The weekend was significantly less eventful, as BTC failed to make a move but remained sideways at around $65,000.
The actual breakout attempt came on Monday morning, but it was quickly halted at $65,400 again. The subsequent leg down drove the asset to $63,800. After another rebound to $64,400, the bears stepped up again and pushed it south to $63,200. The same pattern repeated on Tuesday and Wednesday as BTC was stopped at $64,400 and slipped back down to its starting point despite the rather positive CPI data for July.
It kept charting lower highs, and the latest rebound attempt was stopped even before the previous ones. Bitcoin tapped $64,000 yesterday, but the rejection drove it to under $63,000 almost immediately. Although it rebounded slightly, the bears are back in control now, driving it to a 10-day low of $62,500 as of press time.
Its weekly losses are close to 4% now. Its market capitalization has slumped to $1.255 trillion on CG, while its dominance over the alts has taken a major hit and is down to 56.1%. This is because several alts are actually in the green weekly, such as SOL, BNB, TRX, XMR, CC, and LINK.
ETH is down by a more modest 2.8%, while XRP slipped below $1.00 earlier this week for the first time in 21 months and is now fighting to reclaim that psychological support.
Market Data
Market Cap: $2.245T | 24H Vol: $47B | BTC Dominance: 56.1%
BTC: $62,550 (-3.5%) | ETH: $1,865 (-2.8%) | XRP: $1.00 (-3.2%)
This Week’s Crypto Headlines You Can’t Miss
Strategy Dumps Another 1,690 BTC in Ongoing Bitcoin Sell-Off. As the title of the Market Update suggests, Strategy continues to offload some of its BTC holdings. In the latest selling spree, the largest corporate holder of any cryptocurrency disposed of another 1,690 BTC for $108.6 million. The good news is that CEO Phong Le has reassured that the firm plans to resume its bitcoin purchases by the end of the year.
Only 90 Bitcoin Wallets Hold 10K+ BTC: And That Number Just Hit a 6-Month High. The number of large BTC wallets is increasing, which indicates a potential bullish trend amid cooling institutional demand. Such addresses hit a six-month high, as 90 hold over 10,000 units.
Ripple’s (XRP) Summer Slump Isn’t Stopping Large Wallets From Growing. The same trend is observed within the broader Ripple ecosystem, as the number of large wallets has increased by 32 over the past three months. This comes despite the asset’s massive price slide that drove it to a 21-month low earlier this week.
Trezor Provider ShipMonk Breach Exposed Order Data for 13,689 Hardware Wallet Customers. Trezor confirmed that a data breach at its logistics partner, ShipMonk, which stores its products and ships orders to customers, has exposed personal information and increased phishing attack risks for almost 13,000 customers.
Tether Clears First Full Audit as KPMG Issues Unqualified Opinion on 2025 Statements. For the first time in its long history, the company behind the largest stablecoin received an unqualified audit opinion from KPMG for all of its financial holdings. The Big 4 member verified Tether’s gold reserves through physical inspection.
‘Crypto Is Dead’ Talk Is Rising; Could Peak Fear Be a Contrarian Signal? Amid the ongoing price collapse of BTC and countless alts, the online chatter about the industry’s demise has been on the rise. Analysts, though, suggested that this could be a contrarian signal as large investors are accumulating ahead of a potential market recovery.
Charts
This week, we have a chart analysis of Ethereum, Ripple, Cardano, Binance Coin, and Hyperliquid – click here for the complete price analysis.
The post Bitcoin Hits 10-Day Low Despite Positive CPI Data as Strategy Keeps Selling: Weekly Crypto Recap appeared first on CryptoPotato.
Crypto World
World Liberty Wins Bank Charter From Trump-Appointed Regulator for $4 Billion Stablecoin
President Donald Trump’s family is set to own a federally chartered bank. A regulator he appointed conditionally cleared World Liberty Trust Company, issuer of the $4 billion USD1 stablecoin.
The Office of the Comptroller of the Currency (OCC) published its national trust charter decision Friday. Final approval would let the firm issue USD1 itself and hold the dollar assets backing it.
Trump’s Own Appointee Cleared the World Liberty Bank Charter
Trump appointed Comptroller Jonathan Gould to run the OCC last year. World Liberty Trust filed its application in early January, and congressional Democrats spent the months since warning that approval would create a conflict of interest.
The agency answered that criticism inside the letter itself. Career staff handled the review, the OCC said, and Gould met his statutory duties and ethical obligations. Nonpolitical examiners will supervise the bank once it opens.
The regulator’s structure matters here. The OCC sits inside the Treasury Department and has no bipartisan board to check a single appointee. Democrats pressed Gould at a February hearing to release the unredacted filing. The public version left out capital structure and business plan specifics.
The financial stakes explain the pressure. Reuters put Trump family earnings from USD1 at roughly $50 million through June 2026. World Liberty Financial had routed more than $1.6 billion to the president and his sons as of April, a figure consistent with his 2025 crypto earnings disclosure.
Leadership keeps the venture inside Trump’s circle. Zach Witkoff, chief executive of World Liberty Financial and son of special envoy Steve Witkoff, would chair the bank. Robert Witkoff and Scott Alper, who runs the Witkoff family real estate business, are proposed directors.
What the Charter Gives the $4 Billion USD1 Stablecoin
USD1 trades near $1 with a market capitalization of about $4.02 billion, ranking 23rd across all crypto assets. Partner BitGo currently mints the token and safeguards its reserves.
The charter pulls both functions in-house. World Liberty would issue and redeem USD1, custody the dollars and Treasury money market funds behind it, and settle payments for institutional clients under one federal license.
Trust charters stop short of full banking, with no retail deposits or lending. The OCC also imposed conditions, including a $20 million capital floor, advance notice of major business plan changes, and a qualified internal audit manager.
Rivals reached this point first. Circle won final OCC bank approval in July, while Ripple and Crypto.com hold conditional trust charter approvals. Major lenders have weighed legal action over charters that grant crypto firms federal standing without full bank supervision.
Nothing changes for USD1 holders until the conditions are satisfied and final approval lands. The open question is whether Congress ever sees the parts of the application the public never got.
The post World Liberty Wins Bank Charter From Trump-Appointed Regulator for $4 Billion Stablecoin appeared first on BeInCrypto.
XAO DAO is preparing a series of governance changes for the XRP Ledger over the next two to three months, according to Fabio Marzella, the organization’s co-founder.
The planned changes would let members delegate voting power, adjust quorum rules, and access community mini-grants, as the DAO looks to make participation easier and more representative, at a moment when several XRPL projects have already scaled back or shut down.
XAO DAO Targets Broader Participation
Marzella said the first change would introduce wallet delegation, allowing members to hand their voting power to others when they lack the time or expertise to vote on individual proposals.
The DAO is also reviewing its quorum requirements, including how inactive wallets count toward proposal thresholds. The stated aim is to prevent inactive participation from blocking decisions while keeping governance tied to the active community.
Community mini grants are another planned addition. Under the proposal, members would be able to submit smaller initiatives and seek funding for projects that contribute to the XRPL ecosystem.
“These aren’t changes for the sake of change,” Marzella wrote. He said the broader goal is to create a DAO where the community has “the ability to act” rather than simply having a vote.
The timing comes as questions around developer support have grown within the XRPL community. On August 13, Marzella said the shutdown of Gen3’s retail platforms showed that funding developers alone does not solve the problem of building lasting businesses.
Gen3, an XRPL infrastructure team, said on August 12 it would spin down two of its retail products, aigent.run and AxiomProtocol, citing weak user demand and rising infrastructure costs. Gen3 said the platforms will stay live for another month, until September 13, so users can withdraw remaining funds, and that it will keep running its core XRPL infrastructure and take part in the ledger’s amendment process.
Marzella pointed to the Gen3 news as evidence of a bigger problem, arguing that funding developers only solves half the issue if there’s no path from a funded project to a sustainable business. Builder Handy Andy, replying in the same thread, described colleagues quietly calculating how much longer they can keep funding their own work without support, calling it “the last roll of the dice” for some.
Activity Is Up
The reshuffle comes as XRP closed near a 21-month low this week, and Santiment data shows daily active addresses averaging 35,700 in August, up from 26,400 in July, even though the number of new wallets has stayed almost flat.
That distinction may matter for XAO DAO’s participation plans. More activity among existing users does not automatically mean a larger pool of people taking part in governance.
As it stands, Marzella has not provided a final timetable or detailed voting mechanics for the proposed changes, instead promising that more information will follow as each initiative progresses, leaving the community to see how delegation, quorum changes and mini grants are eventually implemented.
The post XRP Ledger’s XAO DAO Plans Major Governance Upgrades to Boost Community Participation appeared first on CryptoPotato.
Robert Kiyosaki connected his personal trajectory to his mentor’s predictions and to the future of Bitcoin and AI in a recent, highly symbolic post.
The author of Rich Dad Poor Dad frames transformation as both a technological and a deeply personal matter.
The Mentor Behind His Turning Point
A futurist is someone dedicated to anticipating long-term technological and social trends. Kiyosaki studied for three summers with R. Buckminster Fuller, one of the most influential of the last century.
Fuller was an architect, systems theorist, and inventor best known for the geodesic dome. His work centered on doing more with fewer resources, a principle applied to housing and global resource distribution.
Kiyosaki met him after years in the rock merchandising business. That venture was profitable, though the author describes a persistent sense that the work lacked meaning beyond revenue.
Those summers changed his direction entirely. He calls Fuller the friendly genius of the planet and locates his life’s turning point in that period.
The core idea was philosophical rather than financial. Fuller held that nobody belongs to themselves but to the universe, and that purpose gets fulfilled by committing one’s existence to the benefit of others.
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That principle shaped everything afterward. Kiyosaki spent the following decades teaching millions about financial freedom, framing education as the service he owed.
According to Kiyosaki, Fuller also anticipated shifts as disruptive as those driven by Bitcoin and artificial intelligence today. The futurist argued that accelerating innovation would restructure how societies organize wealth and work.
Whether Fuller specifically foresaw either technology is impossible to verify. He died in 1983, decades before Bitcoin existed, so the connection remains Kiyosaki’s interpretation rather than documented prophecy.
What Robert Kiyosaki Says About Bitcoin and AI
Current conditions add relevance to the message. Bitcoin trades near $62,773, roughly 50% below the record high above $126,000 reached in October 2025, according to BeInCrypto data.
The author maintains his position despite that decline. He defends the asset as a hedge against money printing and US debt, holding positions since 2012. His projections remain ambitious. Kiyosaki has forecast prices reaching $750,000 following what he calls a financial reset.
Artificial intelligence forms the second pillar of his argument. Massive infrastructure investment drives growth, generates extraordinary wealth, and threatens to replace routine jobs.
His reading of that phenomenon is blunt. Thinking as an employee leads to being replaced by AI, while thinking like an entrepreneur enables people to use it.
Some analysts draw a connection between the two themes. Accelerated wealth creation and potential credit stress from data-center debt could push capital toward scarce assets.
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Those projections deserve caution, however. They represent hypotheses about future correlations rather than demonstrated relationships between AI spending and Bitcoin prices.
The transformation Kiyosaki describes extends well beyond finance. His argument points toward finding purpose in service to others amid profound technological change.
The post Robert Kiyosaki Links Bitcoin and AI to an Old Prediction: Who Made It? appeared first on BeInCrypto.
The activity of Ethereum whales has not shown any clear trend in the last seven days, although there is high volatility, meaning whales are very much in action. In a recent analysis, no dominant buying or selling bias was seen despite the high activity.
One question that needs to be answered is whether the whales are moving their wealth into stablecoins or whether the reverse is the case. This will give us an idea of the dominant sentiment among large buyers who hold a significant portion of the market value.
We analyzed data sourced from Dune Analytics for USDT and USDC, the top two stablecoins, on decentralized exchanges (DEXs) for the last seven days and found that there is only a slight difference favoring stablecoins against Ethereum.
However, something more interesting could be going on, as USDC is also clearly preferred over USDT. We dug deeper to uncover the reason for this preference.
Whales Show Slight Bias Toward Stablecoins Against Ethereum
Just like there is no significant bias toward buying or selling of ETH on DEXs as revealed by the last study, whales seem to be buying a little more stablecoins than ETH. ETH to stablecoin transactions had a volume of $184 million, while stablecoin to ETH had $170 million. This shows a difference of roughly $14 million in favor of stablecoins.
However, the relatively small imbalance suggests cautious positioning rather than a decisive exit from ETH. A significant difference in volume would have suggested that large buyers are exiting ETH, which would raise concerns about a potential worsening of the bearish trend, but that is not the case at the moment.
Large buyers show slight bias towards stablecoins. Source: Dune.com | Analysis by author
Large Buyers Prefer USDC Over USDT
The data further revealed that large buyers are not just slightly flowing into stablecoins, but they prefer USDC by a wide margin. Of the roughly $162 million stablecoin volume traded over the last seven days, over $120 million was in USDC, while USDT only accounted for about $41 million.
Two scenarios are possible here. The first is that large buyers genuinely prefer USDC to USDT for different reasons ranging from security to fees. Secondly, the data may be showing pseudo bias toward USDC because most DEXs offered trades in USDC more than USDT, but that seems to be the case.
Large buyers prefer USDC over USDT. Source: Dune.com | Analysis by author
We analyzed the trading volume by trading platforms to see how the two stablecoins performed on platforms offering both options. Interestingly, Uniswap was the leading platform of choice, accounting for $135 million in volume (over 83%) of the total of $162 million, and offers both USDC and USDT.
USDC still outperformed USDT, accounting for over 77% of the Uniswap-bound stablecoin volume, worth over $104 million. This shows that large traders truly prefer USDC over USDT, which only had a little over $30 million in volume.
USDC volumes are significantly higher on Uniswap. Source: Dune.com | Analysis by author
Conclusion
Large buyers showing bias toward USDC could be for a number of reasons. First, it could be that USDC has deeper liquidity than USDT. This allows large traders to execute large trades running into millions with as little slippage as possible, which can save them thousands of dollars.
USDC is also commonly used as a dollar-denominated asset throughout DeFi, which is seeing significant growth, resulting in the higher volume relative to USDT.
In conclusion, large buyers are not exiting ETH. The difference in flow direction is marginal, suggesting cautious positioning rather than an outright bearish bias, despite ETH’s price decline. This is good news for retail traders, especially as we already established that the decline is not linked to whale activity.
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Binance Research says Gen Z traders using the exchange’s ecosystem are increasingly treating exchange-traded funds as a core part of their equity exposure. In early August, ETFs made up 25% of the cohort’s equity trading volume—an increase from earlier months—while interest in single-company stocks has eased.
The findings, based on activity across direct equities, tokenized stocks and traditional finance perpetual contracts, also highlight behavioral differences between younger traders and older generations, including how often they trade, whether they place sell orders, and the extent to which they use leveraged or inverse ETF products.
Key takeaways
- According to Binance Research, ETFs accounted for 25% of Gen Z equity trading volume in early August, up from 21.9% in July and 18.5% in June.
- Gen Z direct-equity accounts increasingly skew toward buy-only behavior, with 22% never placing a sell order—compared with 19% for Gen X and 9% for Baby Boomers.
- Gen Z traded less frequently than other working-age generations across TradFi perpetuals, averaging 13 monthly trades versus 17 for Millennials and 16.5 for Gen X.
- Leveraged and inverse ETFs appear to have limited pull among Gen Z: 88.2% of Gen Z TradFi perpetual accounts recorded no activity in those products.
Gen Z tilts equity activity toward ETFs
Binance’s analysis focused on how different generations allocate trading activity across three equity-related categories: direct equities, tokenized stocks, and traditional finance perpetuals. It compared account behavior across Gen Z, Millennials, Gen X and Baby Boomers using metrics such as trading frequency, net flows and leverage use.
Within that framework, ETFs gained share among Gen Z. In July, ETFs represented 21.9% of Gen Z net equity inflows. That compares with 18.5% in June, suggesting an accelerating preference for fund-based exposure rather than a rotation toward individual companies. Over the same period, the portion of Gen Z inflows allocated to individual stocks declined to 74.2% from 77%.
Binance Research did not frame this as a single-driver story, but the pattern is notable for traders deciding where to deploy capital: ETFs can offer diversified exposure, while direct equity allocation depends more heavily on idiosyncratic company performance.
Trading frequency and sell-order behavior differ by age
The report also points to structural differences in how Gen Z participates compared with older cohorts. Binance Research said Gen Z traded less frequently across all three equity products. For TradFi perpetuals, Gen Z averaged 13 monthly trades, compared with 17 for Millennials and 16.5 for Gen X.
Account behavior provides another window into how Gen Z approaches positioning. Among Gen Z direct-equity accounts, 22% had never placed a sell order. The share was lower for older groups—19% for Gen X and just 9% for Baby Boomers—while Millennials showed the highest level of buy-only behavior at 30%.
For Gen Z buy-only accounts, Binance reported that the most purchased assets by cumulative buying included Broadcom, Tesla and the Schwab US Dividend Equity ETF. The inclusion of a dividend-focused ETF among top cumulative buys aligns with the broader trend toward fund exposure rather than single-stock selection.
Binance also noted a key limitation for interpreting longer-term trends: its direct-equities offering only reached “meaningful scale” in June, leaving a comparatively short window to observe multi-month behavior changes.
Low use of leveraged and inverse ETF products
Beyond what Gen Z is buying, the report examines what it is avoiding—particularly in more complex ETF structures. Binance Research said Gen Z showed relatively little appetite for leveraged and inverse ETFs within TradFi perpetuals. Specifically, 88.2% of Gen Z TradFi perpetual accounts recorded no activity in leveraged or inverse ETFs.
For context, the no-activity shares were 84.5% for Millennials and 85.9% for Gen X, meaning Gen Z’s participation in these higher-risk product types appears modest relative to other cohorts. For traders, that matters because leveraged and inverse exposure can amplify volatility and risk management complexity, affecting how portfolios behave during market stress.
While the report does not provide breakdowns on whether the remaining Gen Z accounts used these products heavily or lightly, the headline takeaway is clear: for most Gen Z participants, ETF exposure—at least within these categories—has been largely non-leveraged.
Tokenized stocks: bStocks briefly overtake xStocks
Separately from the Gen Z cohort analysis, tokenized equities market data suggests shifting competitive dynamics among issuers. Binance’s bStocks briefly overtook Kraken’s xStocks as the second-largest tokenized stock issuer this week, according to Token Terminal data cited in the source.
As of Tuesday, bStocks held $610.6 million in tokenized stock value, compared with $601.2 million for xStocks. By Friday, the positions reversed: Token Terminal showed xStocks at $610.7 million and bStocks at $579.6 million. The report described these levels as about 22.3% and 21.2% of the roughly $2.7 billion tokenized stock market, respectively. Ondo Finance remained the largest issuer with $971.8 million.
Looking at the market as a whole, the source also pointed to continued expansion in distributed value tracked by RWA.xyz, which reported $2.43 billion in distributed value as of Friday—about 5% higher than over the previous 30 days. For investors, the issuer “leadership” flip between bStocks and xStocks underlines how quickly tokenized-stock balances can shift as flows move across platforms and products, even while the top issuer maintains its position.
That fast-moving ranking is also a reminder that tokenized equities remain a developing segment: total market growth is measurable, but individual issuers can move up or down quickly as their tokenized exposure rises and falls.
Going forward, traders should watch whether Gen Z’s ETF share continues to rise beyond the current early post-scale window for Binance direct equities, and whether the limited leveraged/inverse activity persists as more participants enter. In parallel, the tokenized-stock rankings may remain fluid—so changes in issuer balances could be as important as the broader market growth trend.
Everyone Is Quietly Leaving Crypto … (WTF?)
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