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Why Jerome Powell’s press conference is the real wildcard for markets

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The Federal Reserve is set to announce its rate decision, and almost no one expects it to cut rates.

However, traders will be paying very close attention to Chairman Jerome Powell’s post-meeting press conference, which could hold the real intrigue.

His take on what to expect in the coming months and on recent hot topics, including President Donald Trump’s affordability policy push and threats to the Fed’s independence, could move both traditional and crypto markets.

Let’s dig into what is priced in and how Powell’s comments could move markets.

Status quo on rates

After delivering three back-to-back quarter-point cuts, the central bank is expected to stand pat on Wednesday. As of Friday, CME’s FedWatch futures priced in a 96% chance of the Fed holding steady at 3.5%-3.75%.

This is consistent with the message Powell delivered in December, saying the bank’s voting committee will hold off on additional cuts into 2026. Further, Minneapolis Fed President Neel Kashkari, who has a vote on the Federal Open Market Committee this year, recently told The New York Times that he believes it is “way too soon” to cut rates again.

So, unless the Fed springs an unexpected rate cut, which could tank the dollar while boosting bitcoin and stocks, the decision itself is shaping up to be a non-event.

Hawkish or dovish pause?

However, the primary question for traders will be whether the impending pause in rate cuts signals a hawkish or dovish stance.

A hawkish pause scenario involves Powell flagging lingering inflation risks, denting rate-cut bets and pressuring risk assets lower. A dovish scenario would mean Wednesday’s pause is temporary and rate cuts would resume in the coming months, potentially lifting bitcoin.

Morgan Stanley expects the Fed to send a dovish signal by retaining the policy statement wording “considering the range and timing for further adjustments to the target range,” signaling that easing remains on the table. The statement is expected to acknowledge the economy’s robustness while preserving options for future rate cuts.

Watch for dissenters to the Fed’s rate pause, as they could amplify a dovish tilt. Trump’s appointee, Stephen Miran, is expected to dissent in favour of a bold 50-basis-point cut. If the number of dissenters grows, it would bolster the case for future easing, lifting stocks and bitcoin.

As of now, most observers, except JPMorgan, are expecting the Fed to cut rates once or twice over the rest of the year. JPMorgan sees no rate move this year, followed by a hike next year.

Status quo and affordability measures

Powell will likely face questions about the rationale for holding rates steady, as well as the potential impact of Trump’s affordability measures and related issues on key macroeconomic variables.

According to ING, Powell’s explanation of the status quo rate decision may lift the U.S. dollar, potentially weakening greenback-dominated assets like bitcoin.

“Given the recent performance of both U.S. asset markets and activity, he will struggle to argue that financial conditions are restrictive and need to be loosened. This could pour cold water on the notion of a second Fed rate cut and this would lift the dollar against the low yielders like the yen and the euro,” ING analysts said.

“Instead, the next macro leg lower in the dollar will likely have to emerge from poor data rather than Fed-speak,” they added.

Powell’s potential nod to Trump’s housing affordability efforts as being inherently inflationary in the near term might amplify market volatility.

Trump recently said he has instructed his representatives to buy $200 billion in mortgage bonds, claiming it will drive down rates and monthly payments. He also issued an executive order requiring large institutional investors to refrain from buying single-family homes that families could otherwise purchase.

Observers say these measures could front-load demand, boosting housing inflation.

“The purchase [of] USD200bn of mortgage-backed-securities risk pulling forward demand, inflating prices and skewing benefits toward incumbents. On the other hand, the impact of banning large institutional investors from buying single-family homes is likely to be limited, given small institutional ownership relative to the overall stock,” Allianz Investment Management said in a note.

Note that Trump’s tariffs are already baked in with a delayed inflationary impact expected this year, as higher import costs filter through to the final consumer.

Lastly, Powell might face questions about the DOJ investigation targeting him personally, which he calls political vengeance for not slashing rates fast enough to suit Trump, and about recent bond market volatility stemming from Japan’s fiscal issues. He might dodge the probe while downplaying bond market fears.

Monero Plummets 40% From All-Time High as India Targets Privacy Coins

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Monero has suffered a sharp reversal, plunging nearly 20% in a week and 41% from its Jan. 14 all-time high of $797. Outpacing the Altcoin Slump The privacy coin Monero ( XMR) is currently locked in a punishing downtrend, a stark reversal from the euphoric heights of Jan. 14, when it notched a new all-time […]

How B2B Companies Find and Nurture the Right Leads

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Finding the right leads has always been a challenge in B2B sales, but the landscape has changed dramatically in recent years. Buyers now move through long, complex decision processes, often doing most of their research before speaking to a sales rep. Businesses can’t rely on cold outreach alone or hope that broad marketing campaigns will magically reach the right people. Today’s B2B success depends on understanding who your ideal buyers are, how they behave, and what matters to them throughout the sales cycle.

Companies that invest in better tools, smarter segmentation, and data-driven nurturing strategies are seeing faster growth and stronger customer loyalty. Those that don’t often feel stuck chasing the wrong people or responding too late in the buyer journey. The good news is that modern technology and improved analytics make it easier than ever to focus on quality leads instead of wasting time on dead ends.

Using Smarter Prospecting Tools to Find the Right People Faster

The first step in building an effective B2B pipeline is identifying leads that actually match your business goals. This sounds obvious, but many companies still waste hours scrubbing lists, guessing which contacts fit their ICP, or relying on outdated databases. Tools like a B2B prospector were built to solve this exact problem by providing accurate, real-time data on the people and companies most likely to benefit from what you offer. Instead of guessing or manually digging through LinkedIn, teams can instantly access verified contact information, job roles, and company insights that help them prioritize outreach.

These tools also allow businesses to stay ahead of organizational changes. When a prospect changes jobs, secures funding, or enters a stage of growth that aligns with your product, a system like this keeps you informed. That timeliness matters because great leads often have narrow windows of opportunity. By ensuring your team has the right contacts at the right time, your pipeline becomes more predictable and more aligned with the customers who are genuinely ready to engage.

Understanding Lead Behavior Through Cohort Insights

Finding good leads is only the beginning. Nurturing them requires a deeper look at behavior patterns, timelines, and buying trends. Cohort analysis helps companies understand how different groups of users behave over time and how those insights can shape better sales strategies. When businesses group their leads into meaningful cohorts, such as industry, company size, acquisition channel, engagement level, or product interest, they start to notice patterns that would otherwise remain hidden.

Cohort analysis helps teams see which leads tend to convert quickly, which require longer nurturing, and which rarely convert at all. It also reveals which content, campaigns, and touchpoints drive the strongest engagement within each group. These insights allow companies to tailor messaging, improve lead scoring models, and deliver more relevant interactions at every stage of the journey.

Building Trust Through Early Value and Personalized Content

Once a company identifies the right leads, the next challenge is earning their attention. B2B buyers are flooded with messaging, and most of them tune out anything that feels generic. Businesses that stand out offer value from the very beginning. That value may come from sharing actionable content, offering tools or calculators, providing playbooks, or simply giving leads insights that help them think differently about their challenges.

Personalization plays a critical role in this stage. Buyers respond when companies demonstrate that they understand their industry, workflow, or pain points. When messages reflect a lead’s specific goals or frustrations, trust begins to form. It also signals that the company reaching out has done their homework, a quality that buyers heavily prioritize. By providing relevant insights and clear reasoning for why a solution matters, businesses nurture leads in ways that feel supportive rather than intrusive.

Strengthening Lead Qualification Through Better Conversations

Lead nurturing isn’t just about content. It’s also about conversation quality. Buyers today expect thoughtful, informed communication rather than scripted pitches. The best nurturing strategies encourage curiosity, empathy, and collaboration. Sales teams that ask better questions uncover the motivations, challenges, and constraints that drive each lead’s decision-making process. This leads to more accurate qualification, which prevents wasted time on deals that were never going to close.

Great conversations also create alignment earlier. Instead of waiting until a late-stage meeting to clarify budget, priorities, or timelines, teams gather this information naturally through ongoing dialogue. Leads feel respected because the conversation focuses on solving real problems rather than pushing a product. Companies benefit because they gain clarity on which opportunities deserve more attention and which are unlikely to progress.

Using Automation to Stay Consistent Without Losing the Human Touch

Consistency is one of the hardest parts of lead nurturing. Different leads move at different speeds, and sales teams often juggle dozens of conversations at once. Automation helps fill this gap by ensuring that no lead is forgotten and no follow-up falls through the cracks. Automated emails, reminders, and engagement triggers can maintain momentum, especially in the early and middle stages of nurturing.

However, automation works best when paired with thoughtful human interaction. Businesses that rely entirely on automated nurturing risk sounding robotic or impersonal. The goal is to blend automation with personal touches so leads receive timely communication without feeling like they’re interacting with a machine.

Solana’s new phase is ‘much more about finance’ says Backpack CEO Ferrante

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Solana’s latest phase looks a lot less flashy than its memecoin-fueled highs, and that may be the goal.

Armani Ferrante, CEO of crypto exchange Backpack, told CoinDesk in an interview the Solana ecosystem has spent the past year doubling down on a more sober focus: financial infrastructure. After years of experimentation as the wider crypto industry focused on NFTs, games and social tokens, attention is now shifting back toward decentralized finance, trading and payments.

“People are really starting to think about blockchains as a new kind of financial infrastructure,” Ferrante, who will be speaking at CoinDesk’s Consensus Hong Kong conference next month, said. “It’s less about NFTs, less about random moonshot-like games, and much more about finance.”

That shift has made Solana feel dull to some outside observers, but Ferrante framed it as a sign of maturity. The network is increasingly positioning itself around high-throughput onchain trading, market structure and settlement, what some have dubbed as “internet capital markets.”

The pivot comes amid a stark divide between crypto sentiment and traditional finance. While crypto prices remain subdued and crypto-native investors remain cautious, Ferrante said institutional interest has rarely been stronger.

“If you ask anyone on Wall Street, they’ve never been more bullish,” he said, pointing to growing momentum around tokenization, stablecoins and onchain settlement.

Ferrante argued that the long-term case for Solana, and blockchains more broadly, rests on their role as neutral settlement layers. In that future, assets like stocks and derivatives move seamlessly across platforms as standardized tokens rather than sitting in siloed databases.

“A token is just a canonical, agreed-upon ledger entry for who owns something,” Ferrante said. “That concept applies everywhere.”

Crucially, Ferrante emphasized that real-world adoption will require deeper integration with regulatory frameworks, not an escape from them. As crypto moves from speculative experimentation toward embedded financial infrastructure, compliance and legal clarity become prerequisites rather than obstacles.

“What maturity actually means is the real world,” he said. “And the real world isn’t a free-for-all.”

In Ferrante’s view, Solana’s bet is that building for that reality, even at the cost of hype, will pay off as more of global finance moves on-chain.

Read more: Ethereum and Solana set the stage for 2026’s DeFi reboot

XRP Sinks as Breakdown From Range Signals Sustained Bearish Momentum

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XRP sank to session lows as intensifying macro uncertainty and rising trade tensions crushed risk appetite, driving a decisive breakdown from consolidation and reinforcing a bearish trend across crypto markets. XRP Slides to Session Lows as Macro Uncertainty Crushes Risk Appetite At 1:21 p.m., XRP is trading at $1.8452, extending a sharp downside move after […]

Infusion Marketing Group, QwickRate and IntelliCredit Combine to Form OptimaFI

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Memphis, TN — January 20, 2026 —Three industry-leading firms with a legacy of serving community financial institutions for nearly four decades have combined to form OptimaFI, currently serving more than 2,500 clients. OptimaFI leverages a dynamic combination of data sets to bring clients affordable, quick to market solutions supported by expert advice across marketing, credit risk, and liquidity management functions. The combination brings together Infusion Marketing Group with two companies it acquired in 2025, QwickRate and IntelliCredit, under a unified brand with a mission to help community banks and credit unions make more informed decisions about growth, risk, and profitability.

OptimaFI addresses a critical challenge facing community financial institutions: leadership teams generate more data than ever, yet growth strategies, credit decisions, and balance sheet management functions remain largely disconnected. By integrating data, insight and execution across these key functions, OptimaFI helps executives take actions that drive sustainable profitability growth.

The organization serves institutions across three core areas: growth strategy and relationship expansion; credit risk oversight and portfolio management; and balance sheet strategy, including funding, liquidity, and financial analytics. OptimaFI combines proprietary data assets, analytical tools, advisory services, and implementation support to deliver actionable insights with impacts that are measurable, material and attributable.

“Community financial institutions have access to varying degrees of data and analytics, yet many critical decisions are still made without sufficient context,” said Tim Keith, CEO of OptimaFI. “We formed OptimaFI to help executives see the full picture of how marketing investment affects deposit costs, how portfolio concentrations impact liquidity needs, and how pricing strategies influence both growth and margins. Our clients can now access integrated expertise that was previously available only through multiple vendors or internal teams working in isolation.”

The three founding organizations bring decades of specialized experience to OptimaFI. Infusion Marketing Group has helped community financial institutions develop growth strategies and marketing programs since 2007, generating more than $27 billion in new deposit and loan account balances. QwickRate provides credit risk analytics and portfolio management tools dating back to 1986, with more than $250 billion in non-brokered deposit funding enabled in the last 20 years.  IntelliCredit delivers credit risk management and portfolio services, having helped hundreds of institutions with these critical functions.

Existing client relationships and service delivery models remain unchanged. Clients will continue working with the same teams and contacts, with uninterrupted access to current services and solutions.

“Our clients value continuity, credibility, and results,” Keith added. “OptimaFI strengthens our ability to deliver meaningful outcomes while preserving the relationships and workflows our clients depend on. This isn’t about creating complexity—it’s about making connections that drive better decisions.”

OptimaFI will introduce the new organization at Bank Director’s Acquire or Be Acquired Conference, February 1–3, in Phoenix. On Sunday, CEO Tim Keith will participate in a session: “Leveraging Data for Growth”. David Ruffin, President of Credit Risk Solutions at OptimaFI, will co-host a breakout session on Tuesday: “Strengthening Credit Resilience: Processes, Contingencies and Culture”.Conference attendees are invited to meet OptimaFI’s leadership team and experts at their booth. To schedule a meeting during the conference, visit https://www.optimafi.com/events/bank-directors-acquire-or-be-acquired-conference/.

About OptimaFI

OpitmaFI partners with more than 2,500 banks and credit unions to boost profits, strengthen customer relationships, and identify growth opportunities through data-driven insights. Leveraging its proprietary Peer to Peer Normative datasets, the firm benchmarks institutions against peers and delivers targeted, product-specific strategies to optimize profitability. OptimaFI brings nearly four decades of experience serving community institutions with banking, analytics, and marketing expertise. Its pay-for-results marketing program ensures clients only pay for booked accounts, with all campaign costs covered. OptimaFI maintains rigorous data security standards and undergoes annual audits to protect sensitive financial information. Learn more at https://OptimaFI.com.

BTC under $88,000 ahead of Fed week and Big Tech earnings

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Bitcoin slipped below the $88,000 level on Sunday as crypto markets weakened in thin weekend trading, extending a pullback that has weighed on the crypto market over the past week.

BTC traded around $87,800 in U.S. afternoon hours, down roughly 2% over 24 hours, according to CoinDesk data. Ether fell toward $2,880, while solana, XRP and cardano each posted losses of between 3% and 5% on the day. Most major tokens have remained sharply down over the past seven days, reflecting the fragile sentiment across the market.

Bitcoin price action (CoinDesk)

The move caused $224 million in liquidations on bullish bets in the last 24 hours, led by $68 million on bitcoin-tracked futures and $45 million on ether-based futures, according to CoinGlass data.

Weekend moves are often driven less by fresh information and more by positioning adjustments, particularly after periods of heightened volatility earlier in the week.

Traders are entering the new week on heightened alert for possible intervention in the Japanese yen after Prime Minister Sanae Takaichi warned against “abnormal” market moves, comments that followed a sudden reversal in the yen late Friday.

The currency’s sharp rally raised caution across Asian trading desks, even as officials stopped short of confirming any action, per Bloomberg.

The shutdown trade

Elsewhere, political risk in the U.S. added to an already unsettled backdrop.

Senate Democratic leader Chuck Schumer said his party would block a major spending package unless funding for the Department of Homeland Security is removed, increasing the risk of a partial government shutdown.

While such standoffs are familiar, they can tighten near-term liquidity conditions and weigh on sentiment across risk assets, particularly during periods of elevated positioning.

Previously, heading into a potential government shutdown, bitcoin has historically seen selling pressure, followed by a rally.

Polymarket odds on U.S. government shutdown (Polymarket)

Polymarket odds on U.S. government shutdown (Polymarket)

Currently, Polymarket traders are putting a 76% chance on a U.S. government shutdown by the end of this month.

Read more: Previous U.S. Government Shutdown Aligned With Bitcoin’s Bear Market Bottom

Big Tech earnings

Attention now turns to the week ahead, with investors also looking to a heavy earnings week that includes results from several megacap technology firms, including Microsoft, Meta Platforms, Tesla, and Apple, among the “Magnificent 7” tech giants.

Traders will be watching for any clues on how these companies’ earnings trends are shaping artificial intelligence (AI)-related results. And market will likely move based on their comments for the AI industry outlook. Bitcoin, which is now trading like a risk asset, may also move with these results and comments.

Meanwhile, the Federal Reserve’s first rate decision of this year will also be widely watched by the traders. While the Fed is expected to hold rates steady at its upcoming meeting, the market will be closely watching what Chairman Jerome Powell says during his post-meeting press conference, which could move bitcoin and other asset classes.

Read more: Here’s what Fed’s highly anticipated rate decision this week means for bitcoin and the dollar

UPDATE (Jan. 25, 6:13 PM UTC): Updates throughout with data and additional context.

Ripple linked token drops 4%, will $1.88 support hold

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XRP sank nearly 4% as bitcoin dropped under the $88,000 mark on Sunday, ahead of a busy week with the Federal Reserve’s two-day FOMC meeting starting on Wednesday and major technology players announcing earnings.

News background

  • The consolidation came as spot XRP ETFs recorded their first meaningful weekly outflows since launch, totaling roughly $40.6 million, signaling near-term institutional profit-taking rather than fresh risk-on positioning.
  • There were no negative developments around Ripple or the XRP Ledger during the period.
  • Ripple’s regulatory standing and payments use case remain intact, leaving price action driven primarily by market structure, positioning, and reduced participation rather than fundamentals.

Price action summary

  • XRP edged lower from about $1.92 to $1.90 over the 24-hour period ending Jan. 25, trading within a tight 1.8% range. Price repeatedly tested support near $1.88–$1.89, a level that has now held multiple times since XRP slipped back below $2.00 earlier in the week.
  • The session’s most notable move occurred around 09:00 UTC, when volume briefly surged to 34.5 million tokens as XRP dipped toward $1.89 before bouncing back above $1.90.
  • That move marked a failed breakdown attempt rather than the start of a trend. After the bounce, trading activity faded sharply, with volume collapsing into the close — a sign that both buyers and sellers stepped back.
  • On an intraday basis, XRP attempted a modest rebound toward $1.92 but was rejected quickly, sending price back toward $1.90. The inability to reclaim higher levels reinforced the broader sideways structure.

Technical analysis

From a technical standpoint, XRP remains stuck in consolidation rather than trending. The market has carved out a clear base near $1.88, forming what technicians would describe as a triple-bottom support zone. Each test has attracted buyers, but rebounds have been shallow.

Resistance remains layered above price. Near-term selling pressure sits around $1.93–$1.95, while a more significant descending trendline comes in closer to $2.10. As long as XRP stays below these levels, upside attempts are likely to be faded.

Volume behavior supports the consolidation view. Participation spikes have coincided with reversals rather than breakouts, and the sharp drop-off in volume into the close suggests indecision, not aggressive accumulation or distribution.

What traders should know

The key takeaway is that XRP is compressing, not breaking down.

  • Support near $1.88 is holding, indicating sellers are losing momentum rather than accelerating.
  • Volume is drying up, which often precedes a larger move once direction is resolved.
  • ETF outflows reflect rotation and profit-taking, not a loss of confidence in the asset.

For now:

  • A move above $1.95 would signal the start of structural repair toward $2.03–$2.06.
  • A break below $1.85 would invalidate the base and reopen downside risk.
  • Until then, XRP is likely to remain range-bound, frustrating trend traders but favoring short-term, mean-reversion setups.

In simple terms: XRP isn’t weak enough to break, but not strong enough to run — yet.

Gen Z Prioritises Free Coffees Over Interest Rates, Research Finds

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New research from Pay.UK, the operator of the Current Account Switch Service, reveals a significant shift in banking preferences among younger adults, with Generation Z largely favoring everyday “little treats” over traditional financial incentives.

The study, which surveyed over 1,000 UK adults aged 16 to 28, found that 51 per cent of Gen Z say perks like free coffees, food discounts, and cashback matter more to them than interest rates.

Redefining the ‘good bank’
John Dentry, product owner at Pay.UK
John Dentry, product owner at Pay.UK

The findings suggest that the definition of a “good bank” is evolving. Nearly three-quarters (72 per cent) of respondents stated they value banks that reward everyday spending, rather than those focused on long-term financial milestones.

This preference appears driven by immediate lifestyle benefits. 64 per cent expect rewards to fit their lifestyle, and 60 per cent associate these small perks with improved wellbeing. For 72 per cent, finding deals on small indulgences is actually a motivator for better money management.

The appeal of these rewards is strong enough to drive customer churn. In Greater London, 53 per cent of Gen Z said they would switch banks specifically for better perks.

John Dentry, product owner at Pay.UK, explained the trend: “Gen Z aren’t looking for complex financial products or rewards to target in the future – they want to see value day to day. For many younger people, the big milestones such as stepping onto the property ladder, getting married or starting a family feel further away than they did for previous generations, especially in the context of cost-of-living pressures”.

Digital-first demands

Convenience remains a non-negotiable factor. Two-thirds (66 per cent) of Gen Z consider it important that rewards are accessible directly through their banking app. Furthermore, 56 per cent prioritise digital-first banking experiences above all other factors.

Dentry warned that providers failing to adapt risk losing this demographic: “Small practical perks that fit naturally into everyday spending make people feel rewarded and supported… banks and building societies that fail to deliver relevant, everyday value risk losing younger customers to those that do”.

Predictive History Host Warns Iran Strike Could Pull Multiple Powers Into a Global War

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A potential U.S. military strike on Iran could trigger prolonged regional conflict and significant global economic disruption, according to geopolitical commentary shared in a recent Youtube interview with the host of the Predictive History channel. Xueqin Jiang Argues Iran Conflict Would Ripple Across Global Trade In a recent discussion published on Youtube, Xueqin Jiang, host […]