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BREAKING: US mortgage rates drop giving big boost to homebuying and refinancing!

30 year fixed average falls 7 bps to 6.18 percent lowest since September 2024 one of cheapest since 2022 per MBA data week ending Jan 9.

5 year ARM plunges nearly 50 bps to 5.42 percent second lowest since May 2023 spurring refi surge.

#Mortgage #SPX

BREAKING: Silver smashes major milestone spot price tops $90 per ounce!

Total market cap surges past $5 trillion making silver the worlds second largest asset after gold. Nvidia now pushed to third place globally per CompaniesMarketcap data.

Epic rally continues!

Ethereum Outlook Turns Stronger Than Bitcoin

Standard Chartered says Ethereum could outperform Bitcoin as institutional demand grows.

Improving network capacity and clearer US rules may boost prices. The bank sees ETH at $7,500 this year and $30,000 by 2029.

Crypto Bounce Lacks Strength

Cryptocurrencies are ticking higher but momentum remains weak as investors stay cautious. Continued outflows from crypto funds show fresh money is still missing, limiting any strong rebound.

IG analyst Chris Beauchamp says Bitcoin needs to break and hold above $95,000 for a clear upside. Focus is now on US inflation data, bank earnings and a Senate crypto hearing.

US Senate Unveils New Crypto Bill

The US Senate has released a draft bill to bring clarity to crypto regulations. It clearly splits oversight between the SEC and the CFTC to reduce confusion for firms and investors.

The bill adds basic stablecoin safeguards, exchange registration rules, and limited tax relief. Lawmakers hope it boosts confidence and supports long term crypto growth.

$BTC $ETH

Fitch Flags Risk in Bitcoin-Backed Securities

Fitch Ratings says Bitcoin-backed securities carry high risk due to extreme price volatility and complex structures. Sharp swings in BTC prices can quickly erode collateral value.

The agency warns that liquidation triggers may worsen losses in falling markets. Counterparty exposure and past crypto failures highlight the need for strong risk controls.

Gold surged over 1% to a record above $4,600 an ounce as rising geopolitical risks and concerns over the Federal Reserve’s independence lifted safe haven demand. Silver jumped over 5% to fresh highs above $84 on bets of US rate cuts and global tensions.

#GOLD #Silver

Fed Chair Jerome Powell said DOJ subpoenas are retaliation for the Fed’s independent rate policies. He denied any link to Congress testimony or Fed renovations, stressing policy decisions are data driven, not political.

#Fed #FOMC‬⁩

FED Expected to Hold Rates

Goldman Sachs Asset Management says the labor market is stabilizing, with unemployment improving after temporary weakness.

Fed is likely to stay on hold for now, but still seen cutting rates twice later in 2026.

#FOMC‬⁩ #interestrates

US December Jobs Data

US payrolls rose 50K in December, below estimates, while previous months were revised lower. The unemployment rate edged down to 4.4%, slightly better than forecasts.

Wage growth held steady at 0.3% month on month, with yearly growth near 3.8%. The average workweek slipped to 34.2 hours.

Markets now see the Federal Reserve staying cautious on rate cuts, as US 10 year yields briefly touched 4.21%.

#USNonFarmPayrollReport #SPX

Global Shift Away From the US Dollar, Gold Gains

The US dollar’s share of global reserves has fallen to ~40%, the lowest in over 20 years, as central banks cut dollar exposure.

Gold’s share has risen to ~28%, now higher than the euro, yen, and pound combined, helping drive gold prices up ~65% in 2025.

Bitcoin drops below $90,000 as about $450 million in leveraged long positions are wiped out within the past 24 hours.

Morgan Stanley has applied to the SEC for two spot crypto ETFs, the Morgan Stanley Bitcoin Trust and the Morgan Stanley Solana Trust. Both would track the market prices of each token.

If regulators approve them, the bank would expand its footprint in digital assets, joining big players such as BlackRock and Fidelity in offering spot crypto funds.

Saylor’s Bitcoin Bet Faces Big Paper Losses, but Strategy Stays the Same

Michael Saylor’s Strategy Inc. reported a $17.4 billion unrealized loss in Q4 as Bitcoin fell, and its shares have dropped nearly 70% from their 2024 peak. To boost liquidity, the company sold more shares to build a cash reserve.

Despite the setback, Strategy Inc. continued buying Bitcoin. It now holds 673,783 BTC worth about $50.55 billion, funded mostly through equity offerings.

In 2025, the firm logged a $5.4 billion unrealized loss on digital assets, partly offset by tax benefits, and ended the year with strong digital-asset values plus cash and equity capacity.

Tom Lee urges BitMine Immersion holders to back a 100-fold jump in authorized shares, from 500 million to 50 billion, before the Jan. 14 vote. He says it won’t dilute holders, but will fund growth, enable deals and splits, and keep shares affordable if ETH hits $250,000 and bitcoin $1 million.

Analysts say 2026 likely brings a bull run, not a crypto winter. Bitcoin may dip below 67k early, then climb toward 150k to 200k and new highs. Altcoins and Ethereum could react more to US rules and any new market structure bill.

#BTC90kChristmas

Silver drops more than 9 percent from intraday highs.

#Silver

Coinbase CEO Brian Armstrong says a former customer service agent was arrested in India after hackers bribed staff to access customer data. The May breach involved a 20M ransom and could cost up to 400M.

$BTC

Multiple Trust Wallet users are reporting unauthorized transfers from their addresses in recent hours, flagged by ZachXBT. The cause is still unclear, and the timing follows a recent Trust Wallet Chrome extension update. Users are urged to monitor their accounts as investigations continue.

$TWT

USD1, the Trump linked stablecoin, jumped past a $3B market value after Binance rolled out yields of up to 20%. The token climbed to about $3.07B as Binance added new trading pairs and moved to convert BUSD collateral into USD1, boosting demand.

$BTC