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21 May 2025, 11:37
From neobanks to deobanks: the future of transparent and universal digital banking
Five years ago, as the world retreated indoors during a global pandemic, neobanks emerged as digital alternatives to traditional banks. They offered easy-to-use apps and lower fees, impressing many with their modern interface and fast onboarding. Yet, they rely on the same legacy systems as traditional banks and still follow strict rules that exclude many and depend on outdated frameworks. These limitations leave more than 1.4 billion adults outside the banking system. Today, another transformation is taking place in the form of decentralized on-chain banks, or deobanks. A prime example of this model is WeFi . WeFi introduced the term “deobank” and has positioned itself to fill the gap left by neobanks. The goal is to show how digital finance can work for everyone. In practice, deobanks simplify compliance by gradually integrating AI-driven KYC and employ blockchain tech to offer non-custodial accounts that let users own their funds and spend them directly from their personal wallets. The global market for decentralized finance is projected to reach $351.75 billion by 2031 , and ‘payment and transactions’ are set to be the second biggest consumer segment in this industry. Deobanks have significant scope to become a catalyst for this growth and transform fintech services at a global scale. A new decentralized model of digital finance Traditional banks and neobanks face the same challenges that keep them tied to old methods. They often rely on physical infrastructure and centralized control. In contrast, deobanks operate entirely on blockchain networks. This setup eliminates the need for intermediaries and provides real-time transparency. Every transaction is recorded on-chain, and users can track how their funds are managed. This feature builds trust and reduces the risk of unexpected account freezes. If any regulatory issues arise, only suspicious transactions are flagged, leaving funds under the full control of the user. Deobanks also take a strong stand on environmental concerns. Neobanks tend to rely on physical cards, which contribute to a significant amount of plastic waste. Research shows that payment cards alone use over 130,000 tons of plastic . This waste takes centuries to decompose and leaves a lasting impact on climate change. Deobanks like WeFi promote a truly digital-first future in which payments happen via mobile devices using QR codes, Apple Pay, or Google Pay. These modern methods support sustainability and match today’s consumer habits. Serving the unbanked Macroeconomic challenges of the past decades show how fragile the traditional banking system is. The 2008 crisis, which led to the collapse of many financial institutions, exposed the fragility of legacy banks. More recently, Silicon Valley Bank’s sudden downfall left many customers unable to access their funds. This is even more prominent in developing and underdeveloped regions. In regions like South America and Africa, rapidly increasing inflation has caused many traditional banks to limit financial services to the wider population. Strict regulations and outdated processes leave these banks ill-equipped to meet modern demands. Neobanks have trimmed fees and sped up services, yet they still rely on custodial accounts that deny users true control of their money. Deobanks are built to serve the unbanked and underbanked. They are designed for people who fail to meet strict account opening criteria or who have lost trust in conventional banks. The decentralized nature of deobanks means that there is no central authority to dictate how funds are managed. Instead, users maintain control and benefit from a transparent system. This model directly addresses the needs of millions who remain on the outskirts of the financial system. Most importantly, Deobanks leverage a non-custodial approach that truly establishes universal accessibility. For instance, WeFi allows users to transact using stablecoins and access services via a Telegram bot. This way, users can conduct near-instant transactions at a fractional cost, regardless of their location or demographics. Deobanks are the next chapter of global financial evolution After the concerning failures of traditional banks, the lack of impact from neobanks, and the increasing growth of blockchain integration, the need for on-chain banking in global finance is growing. Deobanks offer a practical, scalable solution that meets the demands of a modern, interconnected world. Looking ahead, investors and users should prepare for a significant shift in global finance. Deobanks have the power to disrupt established players and create new opportunities in cross-border transactions, wealth management, and everyday payments. Developers also have much to gain. The decentralized on-chain banking framework offers a creative, unrestricted ground for developing innovative financial applications. On-chain data and smart contract integration open new avenues for automated yield strategies, lending protocols, and specialized payment systems. The transparent nature of Deobanks will encourage further innovation and drive efficiency in the digital finance space. This new model is expected to accelerate financial inclusion, especially in emerging markets where traditional banking fails to meet demand. The post From neobanks to deobanks: the future of transparent and universal digital banking appeared first on Invezz
21 May 2025, 09:28
Bitcoin’s Strategic Asset Rotation: How OG Wallets Are Shaping a Bullish Future Towards $122,000
The latest insights from 10x Research highlight that on-chain data analysis reveals a significant trend among Bitcoin’s “OG” wallets, which are actively reallocating assets. This trend is not indicative of
21 May 2025, 09:12
Bitcoin 'blow-off top' set at $128K with new all-time highs in sight
Key points: Bitcoin tags $108,000 for the first time since the day of its current all-time highs in January. Traders and analysts mention support extending toward $90,000, but the probability of a retest is fading. Near-term upside targets include a “blow-off top” at $128,000. Bitcoin ( BTC ) spiked to more than $108,000 on May 21, marking new four-month highs — where will BTC/USD go next? Crypto traders and analysts are lining up their forecasts with BTC price action less than 1.5% away from new all-time highs. BTC price support test now “less likely” Bitcoin continues to coil below what is now its most significant psychological resistance barrier — January’s all-time highs . BTC/USD 1-day chart. Source: Cointelegraph/TradingView At $109,356 on Bitstamp, per data from Cointelegraph Markets Pro and TradingView , that seminal line in the sand is what bulls are attempting to bring back into play this week. Volatility is picking up — BTC/USD dropped almost $1,000 in minutes following its move past $108,000, with traders attempting to position around the spot price. GM 🥂 $BTC shorted. pic.twitter.com/nVfYKuNhu1 — BrutalBTC (@BrutalBtc) May 21, 2025 Order book liquidity data from monitoring resource CoinGlass showed thickening bid support just below $106,000 at the time of writing. BTC liquidation heatmap (screenshot). Source: CoinGlass Commenting, Keith Alan, co-founder of trading resource Material Indicators, highlighted several moving averages (MAs), the $100,000 mark, and the 2025 yearly open as potential long-term support retest zones. The highest of these, the 21-day MA, stood at $101,640 on the day. “The 50-Day MA is on a trajectory to Golden Cross with the 200-Day MA in a tight range that has confluence with the Trend Line AND the 2025 YO,” he wrote in part of his latest post on X . “You can’t really ask for stronger technical support than that.” Alan argued that a deeper retracement to support would strengthen Bitcoin’s overall recovery and help boost the odds of holding higher levels going forward. “I’d personally consider a dump to that level a gift, but at this point I don’t think it’s a likely one. In fact the further the 21-Day MA (green) gets from $100k, the less likely we are to get the support test I’ve been looking for,” he concluded. “Whether BTC retests $100k or not, I’m happy to see consolidation in this range before the next leg up.” BTC/USD 1-day chart. Source: Keith Alan/X Traders expect Bitcoin to go toward $128,000 next Crypto trader, analyst and entrepreneur Michaël van de Poppe held similar views on support levels to hold. Related: Sorry bears — Bitcoin analysis dismisses $107K BTC price double top Both $91,800 and $100,700 feature in his latest analysis, with the latter described as a “point of interest.” “It's always a good morning with Bitcoin at $108,000 and close to a new ATH,” he summarized on the day. BTC/USDT 12-hour chart with RSI data. Source: Michaël van de Poppe/X In a separate X post , Van de Poppe said that new all-time highs were approaching “faster than he expected.” $120,000, he argued, was one of several “imminent” targets extending up to $200,000. Elsewhere, popular trader Merlijn agreed with $116,000 as the next short-term BTC price target , seeing BTC/USD “exploding” out of a consolidation pennant. MASSIVE BULLISH BITCOIN PENNANT BREAKOUT! $BTC coiled for days now it’s exploding. This pennant points to $116K… and it’s just getting started. Ride the wave or watch it fly. pic.twitter.com/lyox33TJp4 — Merlijn The Trader (@MerlijnTrader) May 21, 2025 Fellow trader Henry meanwhile upped the target to $128,000 as a “blow-off top” while also identifying support areas at $105,000 and $96,000. BTC/USD 1-day chart. Source: Henry/X This article does not contain investment advice or recommendations. Every investment and trading move involves risk, and readers should conduct their own research when making a decision.
21 May 2025, 09:11
DOGE Holds Bullish Structure as Whales Shed $40M Ahead of Possible Breakout
Dogecoin has entered a critical consolidation phase below $0.26 resistance after experiencing an 18% drop since its May 10th local high, according to CoinDesk Research's technical analysis data model. Recent whale activity shows 170 million tokens worth over $40 million were shed in the past few days, potentially setting up for the next major breakout. Dogecoin's recent price action shows a clear bull flag pattern forming after its impressive rally that began in early April. Despite the current pullback, technical indicators suggest this could be a healthy consolidation before another leg up. Analysts point to a potential breakout within the next 7 days that could push DOGE toward $0.35-$0.45, representing a potential 52-114% gain from current levels. Technical Analysis Highlights DOGE exhibited strong bullish momentum, climbing from $0.222 to $0.228, forming an upward channel with significant support at $0.218-0.219. A key resistance zone emerged at $0.233-0.234, where profit-taking occurred despite strong volume. The final hour's sharp pullback from the day's high suggests potential consolidation ahead, though the underlying momentum remains positive with higher lows established throughout the period. DOGE experienced significant volatility with a sharp downward correction, falling from $0.233 to $0.227, representing a 2.57% decline. Multiple attempts to establish support occurred between $0.227-$0.228, with brief consolidation periods. External References " Dogecoin Price Prediction: One Break Above $0.230 Could Unleash a Full-Blown Meme Rally ", cryptonews, published May 18, 2025. " Dogecoin Momentum Fades – Analyst Expects $0.213 Retest ", NewsBTC, published May 21, 2025. " Dogecoin Chart Too Good To Ignore, Says Trader Eyeing Double", NewsBTC , published May 21, 2025.
21 May 2025, 07:58
Expert Says XRP Eliminates This Major Friction For Banks
Versan Aljarrah, co-founder of Black Swan Capitalist, recently emphasized a critical evolution in global financial operations. In a post on X, he pointed to XRP and RLUSD as mechanisms that could reshape how value moves across borders. Aljarrah pointed out that banks currently hold capital in Nostro/Vostro accounts, but XRP eliminates this requirement, which many now see as a fundamental inefficiency in the traditional banking system. He then added that RLUSD can tokenize collateralized debt, and these tokenized treasuries could significantly transform sovereign debt markets. Banks hold capital in Nostro/Vostro accounts — XRP eliminates that friction. Governments collateralize debt with treasuries — RLUSD tokenizes it. Now imagine this entire system operating 24/7 across borders. pic.twitter.com/BRqHvEzaNB — Versan | Black Swan Capitalist (@VersanAljarrah) May 19, 2025 The Role of XRP in Streamlining Cross-Border Settlements The traditional international banking system relies on Nostro and Vostro accounts, where correspondent banks hold foreign currency balances to facilitate cross-border transactions. This system often results in idle capital and slow settlement times. XRP functions as a bridge asset that enables real-time settlement between currencies. It allows institutions to avoid pre-funding accounts in foreign currencies, thus reducing capital lockup and operational delays. Ripple’s On-Demand Liquidity (ODL) system, which utilizes XRP, is already employed worldwide to simplify and accelerate cross-border transfers. The core advantage is XRP’s ability to settle transactions in seconds, offering near-instant finality. This addresses a long-standing issue in the global financial system, where delays in settlement can lead to counterparty risks and liquidity inefficiencies. Tokenizing Treasuries with RLUSD Governments traditionally issue treasuries to finance debt, and these instruments are widely used as collateral in financial markets. However, access to them, particularly across borders and outside regular trading hours, remains constrained by legacy systems. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Aljarrah suggests that RLUSD could tokenize U.S. dollar-denominated assets, such as treasuries, onto blockchain infrastructure. Ripple is making strides in the tokenization market, as real-world asset tokenization could bring significant growth to the crypto space. By tokenizing treasuries, RLUSD could become more than just a stable digital representation of the U.S. dollar, but serve as a programmable, on-chain instrument backed by sovereign-grade assets. This could open new pathways for collateralization and liquidity management in decentralized finance (DeFi) and institutional markets. The Future of Global Finance XRP and RLUSD illustrate Ripple’s vision for a borderless, always-on financial system. XRP removes the inefficiencies of pre-funded accounts in foreign currencies, while RLUSD introduces tokenized, liquid collateral that can be moved and settled around the clock. Some analysts believe tokenization is just the start , and with these assets, Ripple could play a major role in global finance in the coming years. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Expert Says XRP Eliminates This Major Friction For Banks appeared first on Times Tabloid .
21 May 2025, 07:16
XRP Secrets Revealed: Analyst Indicates Key Turning Points to $37
In a new technical breakdown, crypto analyst Egrag Crypto has shared an in-depth analysis of XRP’s price behavior using exponential and simple moving averages as the central tools for trend identification. Through a series of annotated charts, Egrag outlines the historical significance of the 21-week Exponential Moving Average (EMA) and the 33-week Simple Moving Average (SMA) as primary indicators for identifying both bull market tops and the beginning of major declines. #XRP – The Secrets Are Revealed ($5.7, $9.5, $27 & $37): It all comes down to the relationship between the 21 EMA and the 33 SMA. When I’ll Sell a Big Portion of #XRP : If the 21 EMA experiences a bearish cross with the 33 SMA on the weekly chart, that’s my signal: the… pic.twitter.com/lUT0Gr42nC — EGRAG CRYPTO (@egragcrypto) May 19, 2025 Bearish Crosses: Historical Signals of Market Downturns Egrag’s analysis focuses on relative positions and crossovers of these moving averages. According to his post, whenever the 21 EMA crosses below the 33 SMA on the weekly chart—a formation he refers to as a “bearish cross”—it has historically coincided with the start of prolonged downtrends in XRP’s market cycle. He identifies two key instances in the past where this occurred: first in May 2018 and again in November 2021. In both cases, XRP suffered significant losses following the cross, with approximately 87% and 72% declines, respectively. Egrag calculates the average of those two drawdowns to forecast what a future bearish cross might imply. Applying the average decline of 79.5%, he estimates the potential downside if such a signal emerges again. He warns that despite possible short-term optimism from market participants, the bearish cross should be taken seriously as a major trend reversal. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Bullish Crosses: Launchpads for Significant Price Surges Conversely, Egrag emphasizes the positive implications of the opposite signal—a bullish cross—when the 21 EMA moves above the 33 SMA. His historical review identifies four major instances where such bullish crosses preceded significant price surges. In each of those events, XRP underwent substantial upward movement, including a 1600% surge, which he uses as a reference for his current outlook. Based on the present chart structure and the recent performance of XRP around the EMA/SMA levels, Egrag speculates that a similar rally could be on the horizon. He projects a potential rise toward $27, citing the 1600% historical move as precedent. His charts illustrate extended targets, including speculative price levels as high as $37, representing a 6500% increase from current levels. Mid-tier projections include $5.712 and $9.575, aligning with past market reactions and Fibonacci-based resistance zones. Critical Support and Timeline Marker Identified The analysis also includes a clearly defined threshold at $1.6394, shown in red across all visuals, potentially acting as a support level or invalidation point depending on price action in the coming weeks. The timing of this analysis is further underscored by a vertical marker on the chart pointing to September 29, 2025, which appears to be highlighted as a pivotal future date. However, no explicit rationale is given in the tweet for its significance. In conclusion, Egrag Crypto acknowledges that markets are unpredictable but maintains that these technical signals remain highly relevant. His message to XRP holders is one of vigilance, encouraging them to stay alert to moving average dynamics rather than sentiment-driven speculation. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post XRP Secrets Revealed: Analyst Indicates Key Turning Points to $37 appeared first on Times Tabloid .
