In an incredible show of fortitude, Monero has shot up 8.2% to $365 on November 21, 2025, defying the brutal selling spree that has wiped a dismal 1.5 trillion of the cryptocurrency market.

Bitcoin falls to under $86,000 and Ethereum falls below 2,800, but the privacy-focused currency, XMR, appears to be the only true performer, gaining the most in a day in three months and continuing a 126% insurgence since November 2024.

The volume increased 65% to $203 million, and on-chain analytics showed a whale frenzy, in which more than 15,000 XMR were amassed by large holders in the last 24 hours alone.

This rebellion is in a world where global surveillance has become a major concern, and Monero will become the final safe haven against a more transparent digital economy. As the Crypto Fear and Greed Index of the wider market falls to 10, the Relative Strength Index of XMR rises to 68, which is an indication of the gathering strength amidst the storm.

The rise of Monero can be traced back to the rounding bottom in the beginning of November that analysts identified to be a bullish reversal following rejection in May that pushed prices to fall to their current level of $233. Accumulation has since steadily built up again at $340, and today $355 broke out as a result of which the short liquidations with a value of 12 million have been triggered on platforms such as Binance and Kraken.

Privacy tokens as an industry are doing well, with Zcash and Dash increasing by 6% and 4% respectively, but Monero is most successful due to its ironclad anonymity, i.e. ring signatures, stealth addresses, and RingCT that make transactions completely impossible to trace. With the growing number of data breaches and regulatory overkill, the use of XMR in secret business is attracting marginalised capital to nervous investors, leaving unstable majors.

Fluorine Fermi Upgrade Bolsters Defences: Monero Fortifies Against Spy Nodes and Quantum Shadows

The technical leadership of Monero improved further in October, as the Fluorine Fermi hard fork was released, introducing CLI version 0.18.4.3 to the network, improving the peer selection algorithms and protecting users against pervasive spy nodes that undermine the network.

It is one of the key updates of the 2025 development roadmap that increases resistance to selective transaction tracing by 40% so even advanced adversaries cannot deanonymize flows. Developers heralded it as a privacy multiplier, especially at a time when the U.S.-China tariff war has intensified and caused concerns about cyber-espionage, with the use of state-backed node probes surging 25% in Q4.

In the future, the future FCMP++ protocol in 2026 is expected to offer quantum-resistant cryptography to overcome elliptic curve vulnerabilities, which in the future would attack the older wallets. The 0.6 XMR/block tail emission model used by Monero makes it even more ingrained into its scarcity narrative, where a total of more than 18.4 million coins are already in circulation.

These innovations are still underwritten by community-funded projects such as a $925,000 war chest fundraised earlier this year, a point that further drives the ethos of decentralisation of the project. Monero is constructing obfuscation walls, as one of its key advocates stressed, in a world of glass ledgers, and the current price movement has confirmed to the market the importance of fortitude.

Mining Drama Eases: Qubic’s 51% Grip Loosens as P2Pool Reclaims 45% Hashrate Share

The spectre of centralisation that had plagued Monero in August faded today, as the dominance of Qubic Pool, which had reached a high of 51% of hashrate through the use of strong incentives of up to 7000 dollars a day, dropped to 38% after protocol amendments and a movement of miners.

The decentralised variant, P2Pool, took over the leading share to 45% and levelled the playing field and extinguished the fear of orphaned blocks or chain reorganisations, which caused Kraken to freeze XMR deposits in the short term.

Community incentives and RandomX algorithm optimisation have led to this change, which has made the network security stable with average block times remaining consistent at 2 minutes.

It is observed by on-chain sleuths that the number of attempts at solo mining increased by 12% after its adjustment, which indicates a resurgence of confidence in hardware operators. The reinstitution of full trading pairs by exchanges such as KuCoin or Gate.io unlocked 45 million dollars of stagnant liquidity.

Although Qubic did not succeed in raising awareness, its campaign, headed by the co-founder of IOTA, Sergey Ivancheglo, did highlight vulnerabilities and served to boost the pace at which the ASIC-resistant tweaks are adopted. The hashrate currently remains at 3.2 GH/s, 18% higher than the previous month as GPU miners return in the hope that XMR will act like a post-halving, similar to its special emission curve.

Institutional Whispers and Circular Economy Push: New Hampshire Leads Monero Adoption Charge

Online traction is provided by the booming New Hampshire Monero circular economy with local business establishments, such as coffee shops and hardware stores, currently integrating with XMR through point-of-sale integrations, handling close to 2.5 million in monthly transactions.

The crypto division of the Free State Project introduced a $500,000 grant fund to privacy-conscious startups and received 47 applications to incorporate Monero into anonymity technologies in their supply chain. This grassroots surge is in line with world trends: Trusphere November platform expansion also features XMR-native scam reporting, and Soverium quantum-resistant launch is also a nod to the Monero heritage.

Wholesomely, rumours of over-the-counter desks by companies such as Cumberland injecting XMR liquidity pools have swirled, which could inject up to $100million in the next quarter.

With larger Bitcoin ETF withdrawals in general, privacy coins such as Monero have avoided the delisting filing exodus; some of their counterparts have fallen victim to AML regulation, not due to non-security status as Monero does under emerging SEC regulations. According to Chainalysis, Latin American remittances through the Monero corridors reached a high of 150 million every month because the users bypassable fiat rails.

Price Forecasts Bullish: $480 Spike or Retaliation to $340? Analysts Divided on the Future of XMR

Monero predictions are varying but more positive towards the end of November. According to the Cryptopolitan and Changelly, bullish models predict a sprint to a price of 480 driven by the rounding bottom confirmation, and privacy rotation, with an end-of-year price of 756, with regulatory clarity of anonymous assets expected in 2026.

WalletInvestor predicts a growth of $500 by Q1 2026, based on an average 7.2-year historical growth in November and an increase in dark pool demand. This is facilitated by technicals: technical support at the 50-day moving average of $352 is strong, and MACD histograms have turned positive since October was the last time.

Sceptics do warn of a macro-induced de-peak to $340 in case the death cross in Bitcoin pulls the alts down. CoinEdition cautions that it reaches an impetus halting point at $400, and Elliott Wave theory notes that the corrective wave will precede the subsequent impulse.

Risks of mining exist, albeit reduced, and quantum FUD may be used to limit upside without the delivery of FCMP+. Nevertheless, 126% YTD returns are better than those of Bitcoin (45%), and XMR has a positive risk-reward skew in contrarian terms.

Price Forecasts Bullish: $480 Peak or Pullback to $340? Analysts Split on XMR’s Next Move

The ecosystem of Monero is not even within the storm. The market volumes of darknet markets, an important XMR application, have increased by 9% whilst the TVL of DeFi privacy wrappers, such as Tornado Cash forks, has grown by 15% even as the crypto has been in decline.

Others, such as Zcash, are also lagging behind with shielded adoption at 22%, which highlights the advantage Monero has in default anonymity. Regulatory tail winds: MiCA carve-outs of non-custodial privacy tools by the EU have the potential to open $50 billion of institutional flows by 2027.

Still, it has not been a breeze: in high-compliance jurisdictions such as Japan, exchange bans restrict availability, and the debate on scalability is aflame preceding Seraphis upgrades. The two-sided nature of community aggression in forums, which drives innovation, leads to the scaring away of new people.

With the daylight of November 21 having passed, Monero is still holding on to $365, a go-it-alone upsurge amidst the ocean of red. To privacy absolutists, this is no speculation, but sovereignty coded. Crypto’s greatest unravelling: XMR mumbles an undying mantra, real value lies in the shadows.

With the cryptocurrency market disoriented by a 1.5 trillion wipeout, the USDC is now the ray of hope, skyrocketing to a new high of 76 billion in circulation on November 21, 2025. The dollar-pegged stablecoin of the Circle Internet Group has not only held its perfect 1:1 peg to the U.S. dollar, but it has also experienced a 78% annual growth, outperforming its competitors as Bitcoin dropped below 86,000 and Ethereum to 2,800.

Having already transacted more than 20 trillion in its lifetime volume, and a concerning 1 trillion in November alone, USDC is making itself the digital dollar of choice as traders are being forced to escape volatility.

On-chain data show that transfers of USDC increased 15% over the past 24 hours, with investors transferring funds into this compliant haven, and this demonstrates that it is resilient in an industry that has been shaken by tariff concerns and Fed policy concerns.

This achievement comes amidst a wider market carnage where solvency was reached at over 800 million yesterday. However, the growth of USDC reveals that a flight to quality institutional demand has increased 90% in Q2 2025 alone, and Circle reported 658 million in revenue on reserves.

The transparency of the stablecoin that is supported by monthly Deloitte audits and full support in the cash equivalents with the Circle Reserve Fund has earned it the trust of more than 500 million wallet users across the globe. It is not only that in crypto winters, USDC is not simply enduring; it is expanding, according to one analyst, panicking into programmable prosperity.

Circle Mints $1.25 Billion USD on Solana: Increasing Liquidity During DeFi Squeeze

The fast minting of Circle is not over as of today, with a new batch of $250 million USDC minted at USDC Treasury, after it injected 1.25 billion into Solana earlier this month.

This increases the overall supply of Solana to more than 8.74 billion USDC, and it controls 63% of all stablecoins in the network and makes the high-speed blockchain a force in DeFi. It was bought in 3 tranches of 750 million, 250 million and again in 250 million, indicating an explosion of demand for low-cost and efficient liquidity in high context of increasing gas costs on Ethereum.

The strength of Solana is the fact that the finality takes less than a second and has fees that are insignificant, and thus it is ideal for trading large volumes and yield farming. USDC TVL has increased 22% in the past week, including chain-based DeFi protocols, such as Jupiter DEX and Kamino lending, despite the decline in overall crypto volumes.

The strategy of Circle is in line with its multi-chain vision that extends to 28 networks such as Ethereum, Polygon, and Stellar. This cross-chain capability has made possible the transfer of assets with ease through the Cross-Chain Transfer Protocol (CCTP V2), which removes bridging risks that have plagued wrapped assets. These mints are taking in sidelined capital and, as the crypto bloodbath continues, may bring back a resurgence of altcoin liquidity after sentiment normalises.

Visa and Wirex Roll Out USDC Settlements: Revolutionising Global Payments for Millions

Visa, in its first step towards real-world adoption, has launched pilot payouts in USDC through its Direct service, to gig workers and influencers in 195 countries, as well as enabled first-time settlements in two stablecoins, USDC and EURC, on Stellar on behalf of over 7 million users.

The integration, which is currently live and announced only a few days ago, means that Wirex can settle card transactions in real time and without any bank intermediaries, which reduces the cost of cross-border transactions by up to 80%.

The USDC product of Visa Direct, which was piloted with Circle, would offer real-time disbursements of unbanked creators, turning stablecoins into local fiat at point-of-sale. It was announced that stablecoin-native settlement is alive at scale by the co-founder of Wirex, Pavel Matveev, and the co-founder of Visa, Cuy Sheffield, who made it known as a programmable payment step.

AC flows on the efficient rails of On Stellar have the potential to facilitate transactions on remittances valued at 30 billion a year, industry estimates, with the MiCA-compliant nature of USDC providing passportability to the EU.

With regulatory winds such as the GENIUS Act, making the compliance model of Circle a regulatory one, these integrations put the USDC at the core of tokenised finance as Web3 connects to the traditional rails.

High-Yield DeFi and Institutional Flows: 500% APYs and OTC Preeminence Powered by USDC

The utility of the USDC is most useful in the world of DeFi, where services such as the Earn program proposed by the LBank are paying up to 500% APY on short-term bets, attracting a fresh inflow of deposits up to $2.5 billion in new loans this month despite the crash.

These yields, which are made by liquidity mining and arbitrage, are very different to the old methods of saving, and yield-hungry institutions are getting attracted. Finery Markets documents that stablecoins took 75% of institutional OTC volume in H1 2025, as the turnover of USDC has gone 29-fold year-over-year, due to the MiCA regulations in Europe, which have pushed less-regulated peers to the margins.

Whales are also accumulating: on-chain data reveals that there exists $602M of stablecoin borrows against USDC security in Aave, to facilitate leveraged positions without having to sell core holdings. Circle, which launched Circle Payments Network (CPN) in May, has four operating corridors and 100+ partners, through which enterprise treasury operations run.

Further interoperability is promoted by the fact that Native USDC has been launched on such chains as World Chain and Cosmos hub, which is run by Noble, transforming bridged assets into fully backed tokens for 27 million users. As a DeFi strategist, it turned out, USDC is not volatile; it is volatility that drives the next stage of crypto.

Regulatory Wins and Future Horizons: Bank Charter Bid Signals Mainstream Leap

Circle has an unparalleled regulatory momentum. In June, it sought a charter as a national trust bank to open the First National Digital Currency Bank to allow direct custody of tokenised securities and strengthen the infrastructure of USDC.

The adoption of the GENIUS Act meant the adoption of stablecoin standards that affirmed that USDC was not a security according to the SEC in its April statement. Globally, the EMI license of MiCA under the platform of Circle has been used to issue the product seamlessly to the 450 million consumers in the EU, and the EURC is currently the leading euro stablecoin.

In the future, the 2025 State of the USDC Economy report predicts the new circulation of $100 billion before mid-2026 due to tokenised RWAs and payments. Partnering with Mastercard, Stripe, and Nubank is broadening the applications of settling merchants to micro-lending in low-income countries.

However, there are threats which will put resilience to the test: quantum threats to cryptography and the risk posed by CBDCs are going to be tested. The new One World Trade Centre headquarters of Circle, which is set to open in early 2026, represents its rise.

Prospectus: USDC as Crypto in Rocky Seas

The USDC looks optimistic: analysts predict a high of $90 billion in circulation at the end of December, with transaction amounts rising two-fold to $2 trillion monthly should ETF rebounds ignite inflows.

Bearish, which is associated with long-term macro squeeze, temporarily falls to below 70 billion; however, its 100% reserve support contains the depegging anxieties. With Bitcoin and Ethereum haemorrhaging, the rise of USDC up 6.4% since August is evidence that crypto is getting its unsung heroes.

USDC is currently standing on November 21 at a stable cost of $1.00, a digital dollar. It is not just a home but more of a launchpad to the on-chain economy for investors. USDC is not only surviving in these turbulent times, but it is sailing the ship to a tokenised tomorrow.

On November 21, 2025, Ethereum fell to its lowest point in nine months, at $2,800, as the cryptocurrency market bled to the tune of more than half a trillion in value, as the world trade tensions increase and the Federal Reserve rate cuts are seemingly radical. Its second biggest digital asset in terms of market capitalisation dropped 7.4% in the past 24 hours, following the larger sell-off in Bitcoin and increasing losses in DeFi and Layer-2 worlds.

The volume of ETH trading has increased by 45%, and on-chain records show that there was a liquidation frenzy of up to $450 million, mostly due to over-leverage in perpetual futures. It is the largest one-day drop in Ethereum since the March 2025 regulatory scare, and Ethereum has lost 35% of its value since the September high of more than 4,300.

The trigger to the current rout can be linked to fresh U.S.-China tariff wrangles that have embittered risk appetite in all asset markets. Etherem, traditionally a “high-growth bet on decentralised innovation, has distanced itself and seems to share characteristics of a risky tech stock in this setting.

The levels of support at 2,900 and 2,750 only lasted briefly before being overcome by selling pressure on the part of the mid-term holders that had purchased the ETF during the summer frenzy; selling off 120,000 ETF in the last week alone. The Crypto Fear and Greed Index of ETH, meanwhile, plummeted to 12, the lowest since early 2024, which is an indication of capitulation by the retail investor.

Spot ETF Exodus: $261 Million Flees Ethereum Funds in November’s Darkest Week

This bleeding has been worst among the U.S.-listed Ethereum exchange-traded funds, where the outflows increased to $261 million in the last seven days, topping off a monthly outflow of 1.2 billion. The iShares Ethereum Trust of BlackRock alone exited by more than $74 million on day one, after having deposited 200 million dollars to Coinbase Prime, leading markets to interpret it as pre-selling the position.

This is the opposite of the $500 million flows that had forced ETH up to August to $4,900 as institutional investors such as pension funds and hedge desks withdrew in the wake of recent readings of persistent U.S. inflation.

To make it worse, derivatives leverage on sites, such as Binance and OKX, topped the record of the highest leverage of 28x, pre-empting mass liquidations which have erased all of the ETH longs on the night. Analysts explain this by the unwind of a so-called crowded trade in which optimism about Ethereum upgrades to its scalability was in conflict with macro realities.

The 50-day moving average has now taken points below the 200-day, thus creating a bearish so-called death cross, which has not been seen since the 2024 decline, indicating the possibility of further weakness to 2500. On-chain data is not encouraging: active addresses have decreased by 22% per week, and gas fee, which is generally an indicator of network activity, are down to under 12 USD per transaction, the lowest in Q1 2025.

Fusaka Upgrade Looms: A December Lifeline or a Mere Distraction in the ETH Bear Market?

With Ethereum in a state of short-term crisis, the Fusaka network upgrade is expected, which will be activated on December 3, 2025, with epoch 411,392. The most ambitious Hard fork since the 2022 Merge, this one adds 11 Ethereum Improvement Proposals (EIPs) to make Ethereum massive in terms of scalability and resiliency.

Its core is PeerDAS (Peer Data Availability Sampling), which increases the capacity of data blobs eightfold (six to 48 per block) that has potentially reducing Layer-2 fees by 95% and increasing transaction throughput to 12,000 TPS, across solutions such as Arbitrum and Optimism. Other options are gas limit caps to prevent spam attacks and block size limits of 10 MB, which improve node efficiency without loss of decentralisation.

In July, developers completed Fusaka in the mainnet target after a series of devnet and testnet testing in July through October, and launched it around the Devconnect Buenos Aires conference (November 17-22). The next parameter will be Blob Parameter Only (BPO) forks on the 9th of December, which will enable the possibility of increasing throughput in an iterative fashion, without the major overhauls.

Its advocates applaud it as an engine of profits to the Ethereum ecosystem, which can make DeFi operations cheaper, as well as tokenised real-world assets that may attract hundreds of billions of new funds by the middle of 2026. However, critics advise against the dangers of being executed: coordination bugs or synchronisation failures would temporarily disrupt the network, as with the glitches of upgrades in the past.

As the ETH price is in a downturn, the success of Fusaka might be in the ability to show actual fee reduction since the current L2 charges are at the level of $0.15, yet after an upgrade, the estimates drop under 0.01, which will trigger migration out of competitors such as Solana.

Whale Accumulation Amidst Chaos: 1.23B ETH Stash Indicates Bottom Fishing

Counterintuitively, on-chain sleuths identify a curious whale that can be referred to as the #66kETHBorrow Whale due to its aggressive approach to loaning money on Aave. This organisation purchased an additional 7,837 ETH worth $21.9 million today, which added to its possession 440,558 ETH worth 1.23 billion.

Borrowing 602.6 million stablecoins to fund the buys, the whale pattern of active accumulation during dips has gained 30,366 ETH in recent days (or 115 million) to a war chestatively large at 940 million. This kind of action resembles historical lows, such as the 2024 whale attacks that were followed by a 150% recovery.

This resistance is counter to the general tone: the Relative Strength Index (RSI) of ETH is at 32, which is squarely oversold, and funding rates became neutral, which is a possible long squeeze.

Footprints by institutions make the story even more interesting – BitMine, managed by Fundstrat’s Tom Lee, is growing its hold of 19,500 ETH in November, making it one of the largest accumulators in the ETF turbulence. This flow implies that the prevailing $2,800 trough is perceived by smart money to be a smart entry point, and it is speculating that Fusaka will have catalysts to push ETH to 3,500 by the end of the year.

Price Outlook Polarised: Will the Surge or Plunge to $2,200? Experts Clash

The future of Ethereum is expected to take a left or right turn towards November. Cryptopolitan and CoinDCX bullish models predict an 8-10% recovery to $3,8503,900 by the end of the month due to whale purchases and Fusaka hype, with the target extending to $4,500 in December in case of ETF inflows.

This is supported by historical gains of November, with an average of 6.93 million and 1.2 million daily active users by Layer-2 adoption metrics. VanEck analysts highlight deflationary dynamics after Dencu, with the burn rate of ETH increasing 15% every quarter, which can constrain supply to 120 million coins.

Bearish voices, however, predict greater corrections. According to the Elliott Wave patterns that pointed to a stall of a bullish impulse, CoinCodex and LiteFinance have a slide to $2,500 once the $2,750 support is breached.

The agony would be increased to $2,200 by macro drags, such as the revision of Standard Chartered (to $4,000) of its $10,000 target (revised to $4,000) because of L2 value leakage. Manipulations are used to increase risks through leverage extremes, and ETH could be liquidated to a point of lower than $85,000 on the drag of Bitcoin, which could cause liquidations of up to 74 million daily.

Ethereum: The Bifurcated Fate of the Ecosystem Takes the Form of DeFi Reels, L2S Shine

The sell-off has spread unevenly in the realm of Ethereum. The total value locked (TVL) in defi declined by 12 per cent to reach $120 billion, with projects such as Uniswap and Aave recording 8-10 per cent in token declines as not as many people borrowed.

On the other hand, Layer-2s held their own: Arbitrum and Base volumes increased by 5% during the mayhem, a fact that highlights their position as fee havens in the future before Fusaka. The number of Ethereum transfers of stablecoins reached 2.5 million per day as more investors pour into yield-generating products such as staked ETH, which currently yields 4.2% APR.

Regulatory pale lights: The 25% drop in SEC enforcement has greenlighted Ethereum-based tokenised funds, and State Street, PayPal are extending pilots. However, quantum computing whispers reminiscent of Vitalik Buterin’s warning about elliptic curve vulnerabilities in recent years, with long-term doubt, which encourages the proposal of post-Fusaka cryptography redesign.

With the trading ending on November 21, Ethereum has been holding onto $2,820, the loosest grip between despair and rescue. To contrarians, this bloodletting is reminiscent of the capitulation of 2022, which gave birth to a bull run. As Fusaka wakes up in December and the whale shadows grow, the narrative of ETH shifts towards survival the resurrection. The current depth has the potential to shape the future in the ruthless ecosystem of crypto.

To dramatise the situation, Bitcoin has dropped below the level of $86,000 on November 21, 2025, the lowest it has been in more than seven months, and has erased all its yearly gains. The flagship cryptocurrency that has been on the high since the election euphoria and institutional hype now has fallen by about 7.2% in the last 24 hours alone, and has brought the rest of the crypto ecosystem into a frenzied correction.

Ethereum was no exception and dropped by 7.4% at approximately 2,800, and other industries such as Layer-1 tokens and DeFi protocols made losses of at least 10%. This rapid turnaround has wiped off over a trillion dollars of the world’s crypto market value, and investors were in shock, and the fear of a long winter infiltrated.

The fall has been accelerating at the start of November; however, this free fall is the lowest ever. Bitcoin had soared to an all-time high of over $126,000 six weeks ago on hopes of crypto-friendly policies announced by President Donald Trump and on a tariff relief rally.

However, with the negative mood in the wider market taking hold, the digital currency lost more than 26% of its value since that time, falling as low as $86,325 earlier this week before a very weak recovery.

The volume increased 52% on the previous day, and this reflects panicked selling as leveraged positions were liquidated in a cascade manner. On-chain analytics show that mid-cycle holders who accumulated during the mid-2025 rally have been the greatest sellers, whilst the long-term whales accumulate quietly.

ETF Outflows Surge to $3.7 Billion: Institutional Confidence Wanes Amid Rate Cut Doubts

One of the most vivid signs of the volatility is the tremendous outflow of the U.S. spot Bitcoin exchange-traded funds. Equity markets. Since October 1,0 when the U.S.-China tariff tensions began shaking the equity markets, a whopping $3.7 billion has been pulled out of these vehicles, of which 2.3 billion has been sucked out in November alone.

This is a drastic change to the inflows that drove the summer boom of Bitcoin, with ETFs such as the iShares Bitcoin Trust at BlackRock and the Wise Origin fund at Fidelity attracting billions of new capital. Analysts cite paralysed institutional demand as one of the factors, as pension funds and sovereign wealth vehicles put investment allocations on hold due to uncertainty.

The impending actions of the Federal Reserve hover large above the same. The traders who used to price in aggressive rate cuts now have to face constant inflation readings, and the likelihood of a December cut is no longer 67% but less than 40%. Bitcoin, the so-called high-beta asset that can be considered a safe haven in the loose monetary policy, has stopped being a safe-haven asset and started to act as a speculative tech stock in this context.

One market observer observes that the cascading selloff is compounded by the institutions dumping the piled-up positions during the rally, which caused the support levels to be thin and therefore contributed to the downside.

The fact that the crypto treasury companies, including MicroStrategy or smaller miners, have seen their stock premium dissipate adds to the suffering since a death cross, where the 50-day moving average crosses below the 200-day, is a bearish indicator of Bitcoin.

Billionaire Investor Warns of Biggest Winning in Years: ‘Final Notice’ to Buy before $90K Due to Quantum Wins as Threats Arise. Under the darkness, one of the biggest billionaire crypto investors has raised the alarm and has proclaimed that it is the last time to purchase Bitcoin below 90,000, and then it will certainly rebound.

Investor references past trends of 2022 post-halving and the escalating scarcity due to the event of April 2024; he predicts a rapid recovery, perhaps reaching 112,000 by the end of the month, in case ETF flows revert.

It is a bullish contrarian opinion that is in opposition to the Crypto Fear and Greed Index, which has dropped to 11, indicating extreme fear, and the Relative Strength Index that was at 29, signifying an overtraded market that is due for a bounce.

But in the horizon, darker clouds are brewing. Ether creator Vitalik Buterin sounded a dark warning of the existential risk that quantum computing poses to the elliptic curve cryptography of Bitcoin, prompting people to break private keys before the next American president is elected.

Although the fundamental protocol of Bitcoin is still sound, the disclosure sparked discussions on the enhancements, such as post-quantum signatures. Individually, hedge fund giant Ray Dalio, a long-time Bitcoin holder, took a position on the same questions about traceability issues that might be a roadblock on its way to becoming the global reserve, despite having a stake in the asset.

To a more positive effect, there is a regulatory tailwind. New chair Paul Atkins has reduced enforcement activities by 30 at the U.S. Securities and Exchange Commission, creating a more innovation-perceptive environment.

The visit of Treasury Secretary Scott Bessent to an establishment in Brooklyn, New York, with a Bitcoin theme stirred the community, which is being seen as an allusion to the mainstream integration. In the meantime, Latin American exchange Ripio announced a $100 million crypto treasury, second only to regional giants, which was operated by hedging since 2017, which indicates the long-lasting popularity of Bitcoin in the emerging markets.

Price Forecasts Divergence: Rally or further to $77K? Analysts Weigh In

The future state of Bitcoin prices at the end of 2025 is a polar different image. Bullish models, which consider halving-based scarcity and ETF inflows anew, consider $112,000 to $116,000 at the end of November, and stretch to $120,000 by December.

This is supported by institutional adoption, such as the ARK Invest, which is being run by Cathie Wood, snapping up shares in bullish proxies such as Circle during the dip. According to VanEck analysts, these mid-cycle wallets are selling, but ancient holders are accumulating with futures data indicating washed-out conditions usually followed by reversals.

However, pessimists anticipate additional suffering. In case of a drop in the support of $85,000, objectives fall to 77,000, which is within the area of consolidation of 2025. The squeeze could last longer due to macro headwinds such as AI bubble fears spilling out of the Nvidia orbit and U.S.-China tensions. Standard Chartered cautions that anything below the $90,000 mark places half of corporate Bitcoin treasuries underwater and can result in further sales.

Cryptos Next Wave: Stablecoin Swings To DeFi Agony

The Bitcoin crash has caused a lot of harm. Strayer Layer-2s such as Starknet and zkSync rose by 15-17% but DeFi protocols and altcoins such as NEAR collapsed by 10%. Diversions are going to stablecoins and tokenised real-world assets, where investors are looking for yield, but not volatility.

DeFi Education Fund in policy areas estimates savings of $30 billion in the annual remittance through the blockchain, and Anchorage Digital is developing BitcoinFi to lend well within the compliance boundaries.

By the end of November 21, Bitcoin had been teetering on the edge of capitulation and capital profits, resting just above a mark of $87,500. To risk takers, this downturn resembles cycles of the past when panic paid off.

However, as the Fed speeches are imminent and the quantum whispers sink into a lower pitch, the way is hard and needs a watchful eye. With the unstable crypto-environment, the present carnival can be remembered tomorrow as the smithing place of the buyer.

The native token of the Pi Network is PI, which is taking over the limelight in the current crypto craze and has gone up by 15.4% in the last 24 hours to become priced at $0.2595 at midday trading. Having surged over 1.89 billion into the market, PI has now become the largest, most valuable cryptocurrency, and a significant increase compared to the small 1.43% growth of the market as a whole.

The volume is already soaring to 76.85 million, an increase of 220 per cent over the previous day, as the retail craziness collides with an institutional interest. The rally follows a 20% gain in a month, reversing a 16% decline in Bitcoin and making PI a strong altcoin candidate with macroeconomic challenges such as tough U.S. inflation statistics.

Pi Network has gathered more than 35 million users across the world since its inception in the mobile-mining sector in 2019 and is a democratizing platform that provides access to crypto via smartphone-based consensus. The landmark of the Open Mainnet launch in February 2025 changed everything as it permitted the real-world usefulness of peer-to-peer payment to integrations of dApps.

The current momentum is due to regulatory clarity within Europe, where Pi has already complied with the Markets in Crypto-Assets (MiCA) framework, and speculation has heightened over exchange listings.

With the global crypto market cap reaching a record-breaking $3.15 trillion, PI’s low-energy Federated Byzantine Agreement (FBA) model based on the Stellar protocol remains an attractive destination for those environmentally conscious and want to find other alternatives to power-hungry proofs-of-work.

MiCA Whitepaper Unlock: EU Trading Approval Paves Way for Global Legitimacy

The driving force behind PI is the recently released MiCA Whitepaper, version 1.1, by Pi Network, which was filed by subsidiary PiBit Ltd in order to be admitted to trading in the European Union and EEA.

There is no starting coin or collections; this registration is intended to access the secondary market on regulated platforms, which makes PI a non-security Other crypto-asset neither a stable nor an e-money. Having no rights to dividends, governance, or redemptions, PI implants its position as a pure digital currency of transactions within the ecosystem.

The most important highlights are the immutable token contracts, maximum supply of 100billion (8.2billion circulating), and community mining, foundation reserves, liquidity, and team vesting allocations (65, 10 and 5, 20, respectively).

The nominal transaction fee is 0.01 PI, and this fact speaks volumes about the efficiency of the network. The whitepaper highlights the Layer-1 blockchain of Pi, where the environmental impact is low, and such features as rewarding interaction with apps, security circles, and KYC-verified mining are present.

The influencers are chatting on social sites, and the X threads are spreading the news: adherence equates to irreversible on-chain transfer through the Pi Wallet, and ecosystem expansion is pegged to community-based dApps.

This places Pi in a good position to easily join the single market of the digital asset economy of $1.2 trillion in Europe, which could open up cross-border payments, in line with the ISO 20022 requirements, by November 22, the global deadline of banking migrations.

Accumulation of Whales and Node Boom: 50M Devices Power AI Compute Revolution

Fireworks are being fueled with on-chain fireworks. The west coast leader, the largest PI whale, scooped 58781 tokens on the day before yesterday after he had a 917000-coin binge, which spells conviction with deep pockets as to accumulation mode.

Big inflows reached a five-week peak, and the Chaikin Money Flow surged up to signify the new capital rotation into PI during altcoin rotations. A decentralised backbone of more than 350,000 active nodes, representing 50 million mobile devices, is currently in place, and it will surpass the performance of the market by Q4 2025.

These nodes are being alternatively turned into a distributed compute layer with a bombshell partnership with AI startup OpenMind, allowing everyday smartphones to execute AI models without connecting to the clouds provided by Big Tech.

It is a human-centric innovation that combines blockchain identity and decentralised labour, which has the potential to reduce AI expenditures by 90% and bring billions to Web3. More recent updates, such as Node v0.5.4 (renamed Pi Desktop), improve calculating rewards and making them easier to use, fixing App Studio glitches to get a better preview and exporting of dApps. The activity on the mainnet, which is at 296 nodes and three validators, is accelerating with the release of V23 protocols, smart contracts, and Linux.

One of the things that has been supercharging the momentum of developers is Hackathon 2025 and liquidity programs, and the Gargoura Digital Bank Testnet is opening Pi-native lending and borrowing. These steps mitigate historical complaints of low on-chain traction, and daily unlocks are averaging 4.5 million PI, slightly, but balanced out by lock-up mechanisms to reduce the pressure of selling.

Rebound: Technical With Targets of $0.295 on Falling Wedge Breakout

Graphs are a bullish picture of PI. Having clustered around $0.22-0.23, the token has drawn a double-bottom formation, and the neckline resistance stands at 0.2950. The convergence of the downward trendlines indicates a possible reversal that was supported by a rising RSI that increased to 60 after the oversold positions. The 20-EMA reclaim is an indication of short-term strength, and a fall below the 0.226 mark might spell re-testing of October lows at 0.217.

Wider pointers are moving in the same direction: MACD histograms changed to positive, Stochastic RSI out of the bearish divergence, and open-interest shot up to $25 million. The 1.66% gain to $0.227279 that PI had made earlier in the day preceding the highs of 24 hours ago has since increased, with the highs at 0.2606 and the lows at 0.2261.

Correlation with meme assets such as DOGE is indicative of speculative froth, but fundamentals such as 139 million PI unlocks this month injects volatility – but whale buys lessen dilution at the expense.

PI is solidly in accumulation and will mark up were Bitcoin to stabilise at over 92,000, which is in a lens driven by the Dow Theory. The bands of support at 0.222-0.225 are strong, and a strong close above 0.240 may generate a retest of the 0.26 highs of the month.

Introduction of Regulatory Green Lights and DEX: Nov. 20-28 Milestones in Focus

The takeover of Europe is only the starter. The first listing venue is the MiCA-licensed arm of OKCoin Europe that will open on November 28, just a few days after documents are released on the 27th. There is also the extension of this compliance odyssey to the global aspirations of ISO 20022 interoperability to facilitate the remittances through faster, cheaper means.

Being launched on November 20-22, the Pi DEX Delivery will offer Native swaps and liquidity pools, ushering in closed and open mainnet periods. KYC improvements and mainnet migrations are gaining momentum, and more than 824 million tokens are currently in circulation after lockups.

Such a collaboration as the historic collaboration with a ten-year-old blockchain giant – information forthcoming – would bring technical power, such as scalability audits, to capital networks.

Limited access to exchange and regulatory opacity is a lament made by critics, but the current 12% intraday pump on X hype points to a change of momentum. With Bitcoin recovering by 4%to $91,775 on whale purchases, the decoupling of PI shows brightly, with the altcoin counterparts such as Ethereum gaining 2 per cent.

Horizon Scan: $0.55 Q4 Target or $1,000 by 2030? Forecasts Diverge Wildly

PI takes a continuum of analyst visions. In the short term, CoinDCX targets a mid-November surge to $0.232- 0.238, and final-year averages of $0.35-0.75 in case mainnet dApps continue to expand. Bitget bullish models project rallies of 35% to hit 0.64, with CoinGape projecting highs of 0.261 and lows of 0.219 in 2025, depending on Q4 liquidity jumps.

Long-term, optimists such as Coinpedia project to $2.382.40 by the end of November in a macro thaw, which will topple to $4.50 at adoption waves by 2030. Bitget moonshots suggest that the gains are 385,000 per cent through network effects, saying it will go up to 1,000 by the end of the decade. According to Bears at CoinCodex, the drops are projected to be -25% to $0.1694 by December based on sentiment at Extreme Fear (14/100) and quarterly unlocks saturating supply.

With the introduction of AI in the year 2040-2050 and the implementation of the global currency, PI would be projected up to 0.4568 bank annually with the growth models. However, in the absence of utility explosions, such as the rumoured NFT staking or equity derivatives, volatility is the order of the day. The inflexion point of traders is the $0.2950, the scale is below 0.240, and the stops are 0.217.

The story of Pi Network is the tribute of grassroots determination: IOU trades, MiCA mastery and more, it is redefining the book of mobile crypto. Once the stars of November fall into place, the DEX sinks, the EU launches, the AI nodes, and the PI holders get set to launch.

The army of 50 million fans that Pi boasts in a business that seeks inclusivity is not merely being used to dig coins, but rather a movement. Will it be the impetus that takes PI to blue-chip status, or another altseason mirage? The ledger is stored in the blockchain, which is ever alert.

The meme coin craze that made Pepe (PEPE) a household name in 2023 has taken a hit in the wrong direction, with the frog-based token falling 5.2% in the last 24 hours to trade at 0.00000512 at the beginning of the afternoon.

PEPE has plunged to the third-largest meme coin after Dogecoin and Shiba Inu with a market cap of around 2.15 billion, although the trading volume collapsed 35 per cent to 285 million in evidence of growing retail apathy in a risk-averse market. This recent slide is with the altcoins trailing behind Bitcoin, which is sitting at around $95,000 due to the looming potential of a long-term tightening of the Federal Reserve as well as geopolitical strife.

As an ERC-20 token, PEPE was launched on Ethereum in April 2023 and soared more than 7,000% in the first year to hit the peak of $0.000004408. Four years later, in November 2025, the owners of the token, 437,000 in total, are experiencing a savage -48% loss over the last 90 days.

The Fear and Greed Index has been reported to be at an all-time low of 29/100, which is the indicator of extreme fear, and the meme coins have performed 72% worse than Bitcoin on a year-to-year basis. However, the strong community of PEPE, due to the virality of social media and zero utility except speculation, retain it in the limelight, and analysts debate whether this is a buying opportunity or a prelude to greater losses.

Technical Melting Potent: Head-and-Shoulder $0.00000185 Necklace

Peep Show followers are raising an alarm following PEPE drawing a textbook head-and-shoulder appearance, which was verified on November 7. The neckline violation of the right shoulder has precipitated a bearish cascade, which has been hit by momentum indicators such as RSI plunging down to 32 in the oversold area, but not with conviction to reverse.

Support of 0.0000055 is breaking, and a decisive close below might trigger a 67% crash to 0.00000185 according to technical guru Ali Martinez. The volume profiles indicate that the sellers are in control, and the 20/50/100 EMA cluster forms a strong overhead resistance to sellers at $0.0000064.

On the other side, an unexpected recovery above the level of $0.00000797- the 2025 maximum- might cancel the trend and trigger a relief movement to the level of $0.0000080. However, with the rates of funds flashing negative and open interest reducing by 12% in the last week, the leveraged traders are scrambling away, making the downside even bigger.

PEPE has a much stronger relationship with the overall weakness of altcoins: it has fallen by a whopping 19.35% in the last seven days, and in comparison, peers such as FLOKI (-14% and BONK -11) have also fallen. Because of the rotation of the liquidity towards blue-chips, there is an exposure of meme tokens such as PEPE, which can be prone to flash crashing due to low-float dynamics.

Whale Gaming: $12.3M Off-Exchange Buy Runs into Bearish Shorts

There is a lot of money on each side of the PEPE arena. November 6: A giant whale had scooped 2 trillion tokens, worth $12.3 million, instantly out of Binance, and selling exchange reserves and traditionally a bullish signal of accumulation.

The long-term holders have become 65% of the supply as compared to 58% in October, indicating diamond-hand conviction in the shuffle. It is this action that is correlated to a 257% increase in large transactions, as reported by IntoTheBlock, which suggests it is positioning itself for a bottom-fishing trade.

In stark contrast, the notorious so-called Anti-CZ Whale made a windfall of $21 million in PEPE shorts this month, selling positions that increased the October-November blowout. Circulating supply dumped by 1.2% since September, and speculation is strong that there is some coordinated provision of pressure to shake out weak hands.

On-chain sleuths observe clustered addresses which are associated with such dumps, and this casts doubt on manipulation in an industry known to be full of pump and dump. The holder base at PEPE has increased by 8% month-over-month despite the drama, which is an indication of its sticky meme-appeal, despite the flat daily active number of 45,000.

Tailwinds of Regulatory Support: UK-Japan Easing Will be a Meme Rally Starter

Global policy changes lead to a silver lining. November 5, 2021, announcement by the UK to regulate only the very big stablecoins of the Bank of England, coupled with a tax-free crypto profits proposal by Japan, and new lenient leverage actions, are bringing some reluctant confidence in meme markets.

These reforms will reduce the restrictions on retail traders, which would inject new funds into high-beta assets such as PEPE. CoinMarketCap analysts assume a 15-20% liquidity increase to Ethereum-based tokens in case it is implemented by Q1 2026, with meme coins set to get disproportionately high returns.

The turning point in Japan is very favourable: the loosening of leverage conditions would allow the revival of 10x-20x plays on exchanges such as HTX and OKX, PEPE/USDT pairs of which are dominant and have a volume of 30 million dollars per day. The UK relocation avoids overreach, with DeFi still having the wild west vibe memes flourish.

Should Bitcoin crack $105,000 on rate-cut expectations, PEPE may get to ride the altseason wave and will aim at hitting $0.0000072 in a sharp reversal. Trying to upgrade utility, however, is a message that sceptics caution PEPE has not become, as they are likely to be in 50% swings on a single viral tweet.

Price Projections Outliers: $0.000028 Ceiling by 2025 or Under -0.000002 Floors?

The forecasts on the path PEPE will follow are a polarising view. Coinpedia bullish voices target $0.000028 at the end of the year, 450% above current levels, due to hype by the community, and macro thaw.

Changelly agrees with the position of an average of November at 0.00000404 with a high of 0.00000475, provided there are no additional failures. Averages may reach $0.0000147 by 2026, and in 2030, averages may reach the sky at 0.000029997 with adoption following the Dogecoin path.

Bears aren’t convinced. Cryptopolitan predicts only that in a complete bull market, but no more than, the price will be $0.000035 in 2025, and that unless demand soars, in 2029 it will be down to $0.00001.

CoinCodex notes the influence of whales and halvings as volatility enhancers and Stealthex projects to $0.014 by 2030 – a moonshot with a 280,000% gain requirement. Reaching $0.01? Impractical with a market cap that is bigger than Ethereum, analysts jibe. In the case of 2040-2050, there are wildcards such as AI-driven memes or regulatory clarity that might drive PEPE to 0.0001, but that is just pure speculation.

In the short run, the November floor is at $0.00000333 per Changelly, and the ceiling is at $0.00000416 unless it turns into a volume bomb. It is recommended that traders reduce to below $0.0000050, with the resistance on the way to 0.0000068.

It is up to PEPE to find a way to start a viral blaze as it traverses the meme winter to maintain its relevance as a social phenomenon; a celebrity endorsement or an Elon Musk frog emoji might turn the tide overnight.

PEPE represents the sublime crypto-theatre pleasure of no fundamentals; everything feels. Since its Ethereum hatchling to a 2 billion dollar giant, it has managed to survive dumping grounds that killed smaller frogs. With regulatory breezes behind it and technical storms looming in 2025, PEPE holders gear up for the next act of volatility. Is this the diving pool, before the drowning, or a croak into darkness? Only the blockchain knows.