Stablecoin reserves on the world’s largest crypto exchange, Binance, have fallen back to levels not seen since October amid a crypto liquidity drought, according to CryptoQuant.
The stablecoin reserves are down 18.6% since November, dropping around $10 billion from $50.9 billion to current levels of $41.4 billion, said CryptoQuant analyst Darkfost on Monday.
Stablecoin reserves on exchanges “typically adjust based on investor demand,” and crypto “liquidity dynamics can be proxied through stablecoin flows,” the analyst noted.
Despite the decline, Binance still accounts for roughly 64% of total stablecoin reserves across all exchanges.
However, when a platform of this scale begins to reflect such a shift in investor behavior, “it becomes a signal worth monitoring,” they cautioned.
“For the market to stabilize, a renewed inflow of stablecoins will likely be required to reverse the current liquidity trend.”
Binance stablecoin reserves have declined 18.6% in three months. Source: CryptoQuant
Crypto liquidity drought continues
A contraction in exchange stablecoin reserves generally means that investors are removing liquidity from crypto markets by converting back to fiat rather than leaving stablecoins on the sidelines for re-entry.
“One of the key headwinds currently weighing on the space is the lack of incoming liquidity,” commented Darkfost, who cautioned that “from a broader cross-market liquidity perspective, conditions are unlikely to improve in the near term.”
Related: Bitcoin’s tech stock divergence is a ‘fire alarm’ for fiat: Arthur Hayes
The total stablecoin market capitalization has plateaued at just over $300 billion since October, according to DeFiLlama. This has followed two years of solid gains that saw 150% increases in stablecoin circulation.
The last time the stablecoin market cap saw significant declines was in mid-2022 during the bear market that followed the Terra/Luna collapse, and they did not recover until November 2023, 18 months later.
Total stablecoin market cap plateaus after two years of solid growth. Source: DeFiLlama
Fed rate reduction in March unlikely
Liquidity is also highly influenced by US interest rates, and policymakers do not appear to be ready for another reduction.
Federal Reserve Governor Christopher Waller said on Monday he was open to leaving rates on hold at the March meeting if upcoming February labor market data indicates “pivoting to a more solid footing,” reported Reuters.
CME futures markets currently predict a 95.5% probability of rates remaining unchanged in March, further adding to crypto market liquidity woes.
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Bitcoin’s (BTC) weakness extended into the weekly open as major stocks sold off in response to US President Donald Trump’s threat to enforce a 15% global tariff after the Supreme Court ruled that his IEEPA tariffs were illegal.
Market sentiment remains fragile, as the Crypto Fear & Greed Index at 5 out of 100 remains in the “extreme fear” zone. Pseudonymous trader and investor BitcoinHyper said in a post on X that the index has been in the extreme fear zone for nearly three weeks, the longest since 2022.
Traders on the prediction market Polymarket have increased the odds of BTC falling below $55,000 to 72%. The prediction market expectations matches several analysts and financial institutions who expect a fall near or below $55,000.
Crypto market data daily view. Source: TradingView
While a bottom may not have formed, expectations are that BTC will eventually recover and move higher. Economist Timothy Peterson said in a post on X that BTC has been positive 50% of the time in the past 24 months. Using a statistical model, Peterson estimated that there is an 88% chance that BTC “will be higher 10 months from now.”
Could buyers defend the support levels in BTC and the major altcoins? Let’s analyze the charts of the top 10 cryptocurrencies to find out.
S&P 500 Index price prediction
The S&P 500 Index (SPX) has been trading between 6,775 and 7,002 for several days, indicating a balance between supply and demand.
The flat moving averages and the relative strength index (RSI) near the midpoint do not give a clear advantage either to the bulls or the bears. Buyers will have to achieve a close above the 7,002 resistance to signal the resumption of the uptrend. The index may then ascend to the 7,290 level.
This bullish view will be invalidated in the near term if the price turns down and breaks below the 6,775 level. The index may then tumble to the solid support at the 6,550 level.
US Dollar Index price prediction
The US Dollar Index (DXY) turned down from the 50-day simple moving average (97.95) on Friday, indicating that the bears are aggressively defending the level.
Sellers are attempting to sink and maintain the index below the 20-day exponential moving average (97.48). If they manage to do that, the index might slide to the 96.21 to 95.55 support zone.
Buyers are likely to have other plans. They will attempt to halt the pullback and push the price above the 50-day SMA. If they can pull it off, the index may jump toward the 99.50 level and subsequently to the 100.54 resistance.
Bitcoin price prediction
BTC fell below the $65,118 support on Monday, but the bulls are attempting to defend the level on a closing basis.
Any relief rally is expected to face selling at the 20-day EMA ($70,185). If the Bitcoin price turns down sharply from the 20-day EMA, it increases the likelihood of a drop to the vital $60,000 support. Buyers will have to defend the $60,000 level with all their might, as a break below it may sink the BTC/USDT pair to $52,500.
Buyers will have to propel the price above the 20-day EMA to signal demand at lower levels. The pair may then march to the $74,508 level, where the bears are again likely to pose a strong challenge.
Ether price prediction
Ether (ETH) fell below the nearby support at $1,897 on Monday, opening the doors for a retest of the $1,750 level.
The downsloping moving averages and the RSI near the oversold territory heighten the risk of a breakdown. If the $1,750 level is taken out, the ETH/USDT pair may resume the downtrend toward the next support at $1,537.
Contrarily, if the Ether price turns up sharply from $1,750, it suggests demand at lower levels. That may keep the pair inside the $1,750 to $2,111 range for a while longer. A close above $2,111 will be the first sign of strength, clearing the path for a rally to the 50-day SMA ($2,593).
XRP price prediction
XRP (XRP) has been trading between the support line of the descending channel pattern and the 20-day EMA ($1.47) for the past few days.
The downsloping 20-day EMA and the RSI in the negative territory indicate that the bears remain in control. If the support line cracks, the XRP/USDT pair may retest the Feb. 6 low of $1.11. A break and close below the $1.11 level may extend the decline to psychological support at $1.
Buyers have an uphill task ahead of them. They will have to swiftly propel the XRP price above the downtrend line to signal a potential trend change.
BNB price prediction
BNB (BNB) fell below the immediate support at $587 on Monday, but the long tail on the candlestick shows buying at lower levels.
The bulls will attempt to start a recovery, which is expected to face selling at the 20-day EMA ($651). If the price turns down from the 20-day EMA, the bears will again strive to pull the BNB/USDT pair below the $570 level. If they manage to do that, the BNB price may start the next leg of the downtrend to psychological support at $500.
Contrary to this assumption, if buyers pierce the 20-day EMA, the pair may rally to the breakdown level of $730.
Solana price prediction
The failure of the bulls to push Solana (SOL) to the breakdown level of $95 signals that the bears are active at higher levels.
Sellers will attempt to strengthen their position by pulling the Solana price below the $76 level. If they succeed, the SOL/USDT pair may fall to the Feb. 6 low of $67, which is a critical support to watch out for. If the level gives way, the pair may slump to $60.
Any relief rally is expected to face resistance at the 20-day EMA and then at the $95 level. A close above the $95 level suggests that the sellers are losing their grip. The pair may then surge to $117.
Related: Bitcoin traders diverge over BTC price strength with $60K in sight
Dogecoin price prediction
Dogecoin (DOGE) turned down from the 20-day EMA ($0.10) on Saturday and is likely to drop to the Feb. 6 low of $0.08.
The bulls are expected to fiercely defend the $0.08 level, as the failure to do so may start the next leg of the downward spiral toward $0.06.
The 20-day EMA remains the immediate near-term resistance to watch out for. A close above the 20-day EMA will be the first sign that the selling pressure is reducing. The DOGE/USDT pair may then ascend to the breakdown level of $0.12, where the bears are expected to mount a strong defense.
Bitcoin Cash price prediction
Buyers pushed Bitcoin Cash (BCH) above the 50-day SMA ($571) on Sunday but could not sustain the higher levels.
The bears sold aggressively and have pulled the Bitcoin Cash price below the 20-day EMA ($551). If the price maintains below $538, the BCH/USDT pair might plummet to the strong support at $500. Buyers are expected to aggressively defend the $500 level, as a close below it may sink the pair to $443.
Buyers will have to drive and maintain the price above the 50-day SMA to signal strength. The pair may then climb to $600.
Cardano price prediction
Despite repeated attempts, buyers failed to push and maintain Cardano (ADA) above the 20-day EMA ($0.28) in the past few days.
That increases the likelihood of a drop to the support line of the descending channel pattern. If the price rebounds off the support line and breaks above the 20-day EMA, it suggests that the ADA/USDT pair may remain inside the channel for some more time.
Instead, if the Cardano price continues lower and breaks below the support line, it indicates the resumption of the downtrend. The pair may then plunge toward $0.15. A short-term trend change will be signaled after buyers clear the overhead hurdle at the downtrend line.
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The US Federal Reserve is seeking to codify a rule removing “reputation risk” from banking supervision, which some have blamed for a wave of crypto debanking in recent years.
The Fed initially began making changes in June last year, announcing that it had directed its supervisors to stop pressuring banks to shut down client accounts over reputation risk, meaning banks can only make decisions on clients based on financial risk management.
In a press release on Monday, the Fed said that it is requesting feedback on a proposal to turn this into law. The Fed has set a 60-day deadline for submitting comments.
“We have heard troubling cases of debanking — where supervisors use concerns about reputation risk to pressure financial institutions to debank customers because of their political views, religious beliefs, or involvement in disfavored but lawful businesses,” said vice chair for supervision Michelle Bowman.
“Discrimination by financial institutions on these bases is unlawful and does not have a role in the Federal Reserve’s supervisory framework,” she added.
In an X post on Monday, Lummis praised the move, adding that it is “not the Fed’s role to play both judge and jury for banking digital asset companies.”
“Glad to see this important step to permanently remove ‘reputation risk’ from Fed policy and put Operation Chokepoint 2.0 to rest so America can become the digital asset capital of the world.”
Source: Cynthia Lummis
Galaxy Digital’s head of firmwide research, Alex Thorn, also praised the move, noting via X on Monday that “chokepoint 2.0 rollback continues.”
Operation Chokepoint 2.0 is a term used by many in the crypto industry to describe what they felt was a coordinated effort by the Joe Biden-led US government and banking sector to cut crypto firms off from using traditional banking services.
The current US administration has made a concerted push to end debanking in the US, with US President Donald Trump initially exploring a draft order in August to direct bank regulators to investigate debanking claims from crypto firms and conservatives.
Related: SEC allows broker-dealers to take 2% ‘haircut’ on stablecoins
It also sought to direct bank regulators to scrap any policies that led banks to cut ties with such clients due to reputational risk.
Trump himself is currently in a $5 billion legal stoush with JPMorgan over debanking, alleging that the firm unlawfully closed his accounts for political reasons back in 2021.
While JPMorgan has argued that the case has no merit, a former executive recently acknowledged in court that the bank had closed Trump’s account following the Jan. 6 Capitol Hill riots.
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The project is reportedly being led by Israeli tech entrepreneur Liran Tancman, who is working as an adviser to the recently established peacekeeping organization.
The so-called “Board of Peace,” created by U.S. President Donald Trump and established during the World Economic Forum last month, is exploring launching a U.S.-dollar-pegged stablecoin in Gaza, FT reported today, Feb. 23.
Led by Israeli tech entrepreneur Liran Tancman, the initiative reportedly aims to alleviate cash shortages in the war-torn region.
“This will not be a ‘Gaza Coin’ or a new Palestinian currency, but a means to allow Gazans to transact digitally,” a person familiar with the project told the FT.
The project is in preliminary stages, but sources told the FT that it is expected to be tied to the U.S. dollar. How the asset would be introduced in the region remains unclear.
The initiative involves collaboration with the 14-member National Committee for the Administration of Gaza (NCAG) and the Office of the High Representative, led by Nickolay Mladenov, which are both working with the Board of Peace. The Board and NCAG are tasked with deciding the regulatory framework and access to the stablecoin, per the report.
Tancman, serving as an unpaid adviser to the Board of Peace, recently spoke at a meeting of the organization in Washington, stating more broadly that NCAG was working on building “a secure digital backbone, an open platform enabling e-payments, financial services, e-learning, and healthcare with user control over data.”
As Reuters recently reported, Israel’s military has officially accepted death toll reports from Gaza health officials that estimate around 70,000 Palestinians, most of whom were women and children, have been killed in Israeli attacks since October 2023.
This article was generated with the assistance of AI workflows.
In a conversation with Philip Share of Payment Spayce and George Thomas of Sagicor Bank, they discuss how modern fintech is transforming money movement, especially in the Caribbean. Share explained that wallet-to-wallet transfers are ledger transactions that are handled behind the scenes, so users don’t worry about ACH, SWIFT, or card networks. Compliance, such as KYC, KYB, OFAC, PEP screening, is built into the transaction flow, making transfers instant, secure, and fully auditable while stressing that compliance should accelerate, and not hinder innovation.
Sagicor Bank noted that transforming legacy banks is like redesigning a moving train: complex and slow. Newer fintechs, by contrast, can build from scratch without outdated systems as cloud adoption is key for speed, but costs don’t automatically drop, so careful management is essential. While machine learning is central for onboarding, AML, fraud detection, and resource optimization; AI automates identity verification, detects unusual patterns, and ensures platform safety meaning that Generative AI is being explored cautiously.
Digital adoption is strong but requires education, especially for older users while cybersecurity, fraud prevention, and “cyber hygiene” are actively communicated. Within Sagicor Bank, retail banking clients use an app while their corporate clients use a secure portal which balances convenience and safety. Overall, Payment Spayce and Sagicor Bank emphasized that integrating compliance, smart tech, and client education creates fast, safe, and frictionless financial services, enabling real-time money movement without complications.
ProCap Financial, (BRR), which calls itself the first publicly traded agentic finance firm, has begun its share repurchase program aimed at closing the discount between its stock price and net asset value (NAV).
The company said it bought 148,241 BRR shares in the open market on Feb. 20. That implies a purchase price in the area of $2.30 per share, for a total amount of roughly $341,000. It’s not exactly a mammoth purchase, given the company has raised more than $750 million from investors and currently holds more than 5,000 bitcoin worth about $335 million on its balance sheet.
The company further said the shares were purchased at roughly a 35% discount to the net asset value of the bitcoin it holds.
“We were able to buy $1.00 of our stock for approximately $0.65 last week,” said Chairman and CEO Anthony Pompliano. “We plan to aggressively buy as much of our stock as we can as long as the market will sell us shares at a substantial discount to NAV.”
BRR shares are modestly outperforming other bitcoin treasury companies in U.S. Monday morning trade, rising 3% to $2.42.
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A man asking for just a few coins ended up hitting the jackpot. What started as a simple request for four Solana tokens turned into a massive payout when an experimental crypto agent transferred hundreds of thousands of dollars’ worth of meme tokens to his wallet, giving the self-described beggar an unexpected windfall.
Lobstar Wilde, an AI agent run by an OpenAI staffer, appears to have emptied a meme-token wallet in a single public move that stunned parts of crypto Twitter and on-chain watchers.
Reports say the agent sent roughly $441,780 worth of tokens to an X user who only asked for four Solana coins to pay for an uncle’s medical treatment. The transfer, and the agent’s later flippant replies, raised questions about how much power a script should have over real money.
Image: SpendNode
Agent Sent Money By Mistake To Solana Beggar
According to on-chain records and social posts, the Lobstar Wilde account publicly showed the transfer and then posted mocking messages about the recipient’s situation.
“If he died tomorrow I would laugh. Please send updates,” Lobstar said, while linking the transaction showing $441,788 worth of LOBSTAR tokens sent to Treasure David’s requested Solana wallet address on Sunday.
If he died tomorrow I would laugh. Please send updates.https://t.co/5D46ClTWZ0 https://t.co/CNMQf04yd6
Nik Pash, a developer involved with OpenAI’s “Codex” app for building autonomous programs, launched Lobstar Wilde on Friday with a goal of growing $50,000 worth of Solana tokens into $1 million through crypto trading.
But instead it appears to have sent most of its token stash away in a single transaction. The public thread and wallet movements were tracked in real time by a handful of crypto trackers and reporters.
Speculation has focused on a decimal slip. Reports note that the bot likely intended to send a modest token amount — the equivalent of four SOL — but misread token decimals and issued tens of millions of LOBSTAR tokens instead of a small handful.
That kind of mistake is common with custom tokens that use unusual decimal places. One X user who monitored the trade noted that a chunk of the received tokens was quickly swapped, netting about $40,000 for the recipient.
Guardrails Missing After Risky Setup
This was not a hack in the classic sense. The AI had the authority to move funds. It executed a transfer without human sign-off. That is a design choice, and it matters. Autonomous agents that trade need limits: caps on single transfers, multi-signature holds for large moves, or human confirmation gates.
SOLUSD now trading at $80.66. Chart: TradingView
When those safeguards are missing, social prompts — even a sad appeal for medical help — can become a costly trigger. Past incidents show a pattern: another AI-driven system lost 55.5 ETH after an attacker used an exposed control panel to force transfers. That episode heightened concerns about how agents are managed.
Across markets, Bitcoin’s price has been a quiet backdrop to this story. Recent trading saw BTC slip from levels near $67,000 toward the mid-$60,000s as broader risk sentiment shifted, and some of those swings coincided with headlines about trade policy from US leaders.
Traders watching the Lobstar Wilde saga noted how quickly a small social nudge can cascade in a market already sensitive to macro news.
Featured image from Vecteezy, chart from TradingView
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The bankruptcy plan administrator of Terraform Labs, Todd Snyder, has filed a lawsuit against Jane Street Group for alleged front-running trades that allowed the trading powerhouse to profit from non-public information obtained from Terraform insiders, The Wall Street Journal reported Monday.
The complaint, submitted in Manhattan federal court, claims these trades not only enriched Jane Street but also contributed to the rapid collapse of the TerraUSD (UST) stablecoin and LUNA in May 2022.
The lawsuit also names Jane Street co-founder Robert Granieri and employees Bryce Pratt and Michael Huang as defendants.
Terraform’s implosion in May 2022 wiped out roughly $40 billion in value when its dollar-pegged stablecoin TerraUSD lost its anchor, and sister token Luna plunged to nearly zero within days.
Snyder has separately pursued a $4 billion claim against Jump Trading, alleging the firm orchestrated market manipulation by initially propping up TerraUSD before withdrawing support, generating approximately $1 billion in gains.
Manhattan federal prosecutors previously reviewed Telegram chats between staff at Jump Trading, Jane Street, and Alameda Research related to a proposed TerraUSD rescue.
The probe focused on whether these communications could have constituted market manipulation in the lead-up to the stablecoin’s collapse, which left UST and Luna essentially worthless and triggered a wave of bankruptcies, including Three Arrows Capital, Voyager Digital, and FTX.
Terraform founder Do Kwon pleaded guilty to fraud charges tied to misleading statements about the stablecoin’s stability mechanisms and received a 15-year prison sentence.
When a shell company called Laurore Ltd. filed a position of about $436 million in BlackRock’s iShares Bitcoin Trust (IBIT) exchange-traded fund — its first and only filing — listing a Hong Kong address and phone number, the crypto community took notice, and a social media frenzy began.
What made it even more interesting is that it listed “Zhang Hui” as a director in the U.S. Securities and Exchange Commission (SEC) filing, a name as common in China as “John Smith” in the West, according to a X post by ProCap’s CIO, Jeff Park.
Indeed, CoinDesk found over 100 Zhang Huis listed as directors of different companies in the Hong Kong Company Registry.
(Hong Kong Company Registry)
This sparked a week of speculation about potential Chinese capital entering the crypto market via purchases of spot bitcoin BTC$63,717.47 exchange-traded funds.
“Smells like capital flight to me,” Park said in his post. Even Bloomberg’s ETF analysts weighed in, with James Seyffart replying to the post, “I spent almost an hour trying to figure this out earlier this morning, I got absolutely nowhere.”
The mystery became even more intriguing when CoinDesk visited the Hong Kong address listed in Laurore’s SEC filing.
The building directory showed that the suite was occupied by Avecamour Advice Ltd and not Laurore. Furthermore, Laurore, which holds the IBIT shares, is not incorporated in Hong Kong.
(Sam Reynolds/CoinDesk)
After CoinDesk’s attempts to find someone at Laurore to comment, the company has finally broken its silence. A spokesperson said the company’s owner prefers to keep a low profile, without revealing further details.
But there are still more questions than answers.
Who is Avecamour, and what is the connection between the two companies? And how does the mysterious “Zhang Hui” fit into all of this?
‘Private businesses’
CoinDesk searched through the corporate filings, which showed that Avecamour Advice is wholly owned by Avecamour Ltd., a British Virgin Islands entity.
Hong Kong Company Registry records show that Zhang Hui, with a matching mainland China passport prefix, is also the only director listed for Avecamour Advice, which was incorporated in March 2025. No other public details about Avecamour or its stakeholders could be found.
(Hong Kong Company Registry)
Laurore’s spokesperson told CoinDesk that “the owner of Laurore is also a director of Avecamour,” implying that Zhang Hui is the owner of the mysterious firm.
However, the spokesperson didn’t provide any more details about Zhang Hui or either of the companies.
“Our principal prefers to keep a low profile, and this position [in IBIT] is simply a reflection of their personal investment conviction,” the spokesperson said.
In fact, 13F filings identify reporting managers, but do not require disclosure of ultimate beneficial owners. Large investors often hold positions through multiple legal vehicles for structuring, custody, or privacy reasons.
“Since these are private businesses, we don’t disclose further ownership details,” the spokesperson said.
What does this all mean?
If it is “capital flight,” in this context, it would mean funds moving out of mainland China into offshore assets via Hong Kong, such as U.S.-listed bitcoin ETFs, potentially to diversify wealth beyond the reach of domestic capital controls.
However, it could also simply mean that Laurore is just part of a cluster of funds or family offices, under the umbrella of a larger Hong Kong-based entity that invests in bitcoin ETFs. If so, it would imply that, due to low liquidity and high fees of HKEX-listed bitcoin ETFs, a Hong Kong-based fund chose to allocate to the U.S.-listed IBIT, which offers much greater liquidity and lower costs for institutional investors to park their capital.
But for now, the identity of Laurore and its mysterious principal remains as clear as bitcoin’s Satoshi Nakamoto.
Read more: U.S. BTC ETF Inflows Dwarf Hong Kong’s as Local Investors Stick With Stocks
Deepak Gupta from Volante Technologies alongside Gretchen Rodríguez from TD and Margaret Mayer from Zions Bancorporation, discuss the global banking modernization landscape. Globally, banks are at different stages of modernization, some are innovative, while others focused on compliance and these differences shape how banks approach the future.
Gupta also stresses that AI is set to play a major role in payments, which will help banks anticipate customer needs and streamline their operations. As well banking modernization, new payment types, including stablecoins and cryptocurrencies, are emerging and banks are exploring strategies to integrate them safely. Cross-border payments are also evolving, with banks looking to leverage multiple networks like Visa and Mastercard for smoother international transactions.
TD emphasized the value of a unified approach across retail and commercial banking with data and open banking allow banks to understand their customers, anticipate purchases, and tailoring for interventions for sensitive areas like gambling or mental health. The goal is a more intentional customer journey within banking; offering the right solutions at the right time.
Zions Bancorporation recently modernized its banking core, marking a transition from a mainframe to distributed systems which enables API integration and easier collaboration with fintechs while accelerating innovation. The discussion between Volante Technologies, Zions Bancorporation and TD highlighted a banking landscape in transition with AI, new payment types, data-driven insights, and modern banking infrastructure converging to reshape how banks operate and serve customers, offering opportunities for innovation and relevance in a fast-changing fintech ecosystem.
