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According to BlockBeats, the probability of a 25 basis point interest rate hike by the Bank of Japan in December is currently reported at 98% on Polymarket, while the likelihood of maintaining the current rate stands at 2%.

Public information indicates that the Bank of Japan is scheduled to announce its interest rate decision on December 19.

On Dec 14, 2025, 21:51 PM(UTC). According to Binance Market Data, BNB has dropped below 880 USDT and is now trading at 879.849976 USDT, with a narrowed 1.38% decrease in 24 hours.

The American Federation of Teachers (AFT) sent a letter to Senate Banking Committee leaders warning that proposed changes to the legislative framework would legitimize crypto markets while weakening investor protections, putting teachers’ pension funds at greater risk.

The union argues this shift could expose pension funds to unsafe assets and elevate the risks of fraud and financial instability.

Union Says RFIA Endangers Retirement

The AFT laid out its concerns this week in a sharply worded letter addressed to Senate Banking Committee Chair Tim Scott and Ranking Member Elizabeth Warren. 

The union, which represents more than 1.8 million educators and public-sector workers, argued that the Responsible Financial Innovation Act (RFIA) fails to provide the regulatory clarity and investor protections that lawmakers have long sought for the digital asset sector. 

The AFT added that the bill would normalize crypto assets without addressing their volatility. It warned that this approach could expose retirement systems to risks they are built to avoid.

“Rather than providing desperately needed regulation and commonsense guardrails, this bill exposes working families—families with no current involvement in or connection to cryptocurrency—to economic risk and threatens the stability of their retirement security,” the letter read. 

A central point of contention is the bill’s treatment of blockchain-based securities. 

Pension Protections Threatened

According to the AFT, the RFIA would allow companies outside the crypto industry to list their stock on a blockchain. This shift, the union said, would let them bypass traditional securities regulations.

The AFT also warned that such a change would weaken safeguards like mandatory disclosures, registration rules, and oversight of intermediaries. These protections play a crucial role in safeguarding pension funds against fraud and mismanagement.

By reducing these guardrails, the AFT believes the bill blurs the line between regulated securities and unregulated digital assets. This could leave long-term retirement portfolios more vulnerable to market instability.

This is not the first time organized labor has raised concerns about the RFIA, following a similar warning from the AFL-CIO in October over pension and financial stability risks.

The union’s warning comes as Congress struggles to create a unified regulatory framework for digital assets. 

Democrats Outline New RFIA Demands

Many of the AFT’s concerns about weak protections and regulatory gaps now appear in Senate debates over the RFIA. 

These concerns were reinforced today in a leaked Democratic counteroffer that outlined the party’s priorities for revising the bill.

Members of the Democratic Banking Committee warned that the RFIA leaves token classification open to serious loopholes. They argued that companies could issue stock-like assets without the safeguards required in traditional markets.

The group also pushed for a clearer SEC review process for new digital assets and ongoing disclosures when managerial teams remain involved. It also backed strict anti-evasion rules, limits on exempt fundraising, and better protections in the secondary market.

National security concerns surfaced as well. 

Democrats cautioned that gaps in the RFIA could enable illicit finance, sanctions evasion, and misuse of decentralization claims to avoid Bank Secrecy Act obligations. Proposed ethics standards would also bar public officials from profiting from digital asset projects while in office.

These disputes underscore the challenge of striking a balance between innovation and investor protection. 

The fate of the RFIA remains uncertain as lawmakers debate reforms aimed at closing gaps that could expose investors and the broader financial system to higher risk.

According to the announcement from Binance, a new promotion is set to offer users up to 30% off on purchases of major cryptocurrencies, including BTC, ETH, BNB, SOL, and XRP. The promotion, which runs from 2025-12-08 06:00 (UTC) to 2025-12-21 23:59 (UTC), encourages participants to complete referral tasks to unlock discounts.

Promotion A allows users to invite friends and unlock discounts on crypto purchases. Participants must first confirm their participation by clicking 'Join Now' on the activity page. They can then share their unique referral link or code to invite friends. A successful referral is defined as a newly registered user who trades a cumulative volume of $100 or more on Binance Spot or Convert during the promotion period. The reward structure is based on the number of successful referrals, with a cashback cap of up to $150 for a 30% discount. Cashback is distributed in the form of a randomized token voucher within 21 days after the promotion ends.

Promotion B targets the first 5,000 new users who register via a participating user's referral link and complete a trading volume of $100 or more during the promotion period. These users will receive a randomly generated reward valued between $2 to $10 in selected token vouchers. Terms and conditions apply, including restrictions for users in certain regions and requirements for identity verification. Binance reserves the right to disqualify users for dishonest behavior or violations of its terms. Participants are advised to conduct due diligence and ensure trading activities align with their risk appetite. The promotion excludes trading volumes on certain stablecoin pairs for EEA users, and sub-accounts cannot be used to participate.

According to PANews, data from SoSoValue indicates that during the trading week from December 1 to December 5 (Eastern Time), Solana (SOL) spot ETFs saw a net inflow of $20.3 million. The Bitwise Solana Spot ETF (BSOL) recorded the highest weekly net inflow of $65.11 million, bringing its historical total net inflow to $593 million. Following BSOL, the Fidelity SOL ETF (FSOL) had a weekly net inflow of $14.11 million, with its historical total net inflow reaching $46.42 million.

Conversely, the 21Shares Spot ETF (TSOL) experienced the largest weekly net outflow, amounting to $73.91 million, with its historical total net outflow now at $102 million.

As of the time of reporting, the total net asset value of SOL spot ETFs stands at $878 million, with an ETF net asset ratio of 1.18% compared to Bitcoin's total market capitalization. The historical cumulative net inflow for SOL spot ETFs has reached $639 million.

According to BlockBeats, Greeks.Live researcher Adam shared on social media that the English-speaking community recently faced a bearish shock. The market experienced a significant decline during the monthly close on Sunday evening, resulting in losses for call option buyers and raising concerns about further downturns. Traders have identified $83,000 as the next critical support level, noting the absence of substantial buying interest before reaching this point. Despite the uncertainty in timing, some remain cautiously optimistic about Bitcoin reaching a new all-time high.