Crypto
The Best Cryptocurrency to Buy in January 2026: Top Picks Reviewed – NFT Plazas
When you discover the best cryptocurrency to buy, you open the door to exciting investment opportunities and financial growth. There are countless options in the market, but finding the best crypto to buy now can feel overwhelming. In your search, you’ll come across popular names like Bitcoin, Ethereum, and emerging coins like Arbitrum and Toncoin.
In this article, we are covering the top cryptocurrencies to buy in 2026, including a quick comparison table, expert reviews, reasons to invest, and tips on how to choose and invest wisely. Ready to make informed decisions? Read on.
12 Best Crypto to Buy Now for Long-Term Growth
| Cryptocurrency | Launched Year | Market Cap | 7-Day Performance | Key Feature | Availability |
| Bitcoin (BTC) | 2009 | $1.8 Trillion | +0.86% | Digital Gold, Store of Value | Widely Available |
| Ethereum (ETH) | 2015 | $368.2 Billion | +2.59% | Smart Contracts, DeFi & NFT Ecosystem | Widely Available |
| Binance Coin (BNB) | 2017 | $119.11 Billion | +23.37% | Powers Binance Ecosystem | Binance Exchange |
| Solana (SOL) | 2020 | $72.3 Billion | +3.38% | Fast & Scalable Layer-1 | Major Exchanges |
| Cardano (ADA) | 2017 | $34.9 Billion | +58.59% | Sustainable Smart Contract Platform | Widely Available |
| Avalanche (AVAX) | 2020 | $6.07 B Billion | +33.66% | Multi-Chain Interoperability | Major Exchanges |
| Chainlink (LINK) | 2017 | $8.95 Billion | +11.53% | Oracle Backbone of DeFi | Widely Available |
| Polygon (MATIC) | 2017 | $1.2 Billion | +10.5% | Layer-2 Scaling for Ethereum | Major Exchanges |
| XRP (Ripple) | 2012 | 121 Billion | +10.26% | Cross-Border Payment Solution | Widely Available |
| Toncoin (TON) | 2021 | $4.37
Billion |
+12.5% | Telegram-Powered Ecosystem | Limited Exchanges |
| Dogecoin (DOGE) | 2013 | $24.03 Billion | +61.03% | Meme Coin with Real Utility | Widely Available |
| Arbitrum (ARB) | 2021 | $1.18
Billion |
+15.2% | Leading Layer-2 Solution | Major Exchanges |
Top Cryptocurrencies to Invest in 2026 Reviewed by Our Expert
Before diving into each individual coin, it’s important to understand where and how you’ll actually make your purchase. Choosing the best crypto exchange can make a real difference in fees. You can also find out more about security and ease of use, especially when markets move fast.
Here are our top picks, reviewed by our expert, based on market strength where you can confidently buy, hold, and manage your crypto in 2026.
1. Bitcoin (BTC) – The Digital Gold
| Market Cap | Price News | Main Features | Where to Buy |
| $1.8 Trillion | Stable growth, high adoption rate | – Decentralized and open-source – Fast peer-to-peer transactions – Worldwide payments – Low processing fees | Major exchanges like Coinbase, Binance, Kraken, and more |
Bitcoin is the first cryptocurrency ever created, and when you’re deciding what crypto to buy now. It continues to be the option many investors feel most comfortable starting with. Since launching in 2009, Bitcoin has gone through multiple market cycles. Bitcoin gives you a longer history to evaluate compared to any other digital asset. We’ve seen it evolve from an experiment into the largest cryptocurrency by market value, trusted by millions of users worldwide.
You may treat Bitcoin as a long term way to hold value, often comparing it to digital gold. This reputation comes from its limited supply and the steady demand we’ve observed over time. Crypto prices can move quickly, but Bitcoin has repeatedly shown the ability to bounce back after downturns. That consistency is why it often remains a core holding for investors looking ahead to 2026.
Bitcoin is also one of the most widely accepted cryptocurrencies for everyday use. You can use it to pay for online services, shop with merchants that accept crypto, or send money directly to others. If you’re learning how to buy Bitcoin, you’ll find that most major platforms make the process straightforward, even if you’re completely new. For many investors, Bitcoin offers a balance of familiarity, usability, and long term potential that’s hard to ignore.
2. Ethereum (ETH) – Smart Contract Pioneer
| Market Cap | Price News | Main Features | Where to Buy |
| $368.2 Billion | Closely followed due to network upgrades and ecosystem growth | Smart contracts, decentralized apps, NFT support | Major exchanges like Coinbase, Binance, Kraken, and more |
Ethereum (ETH) focuses on building and running applications on the blockchain rather than acting only as a digital payment method. Launched in 2015, it is one of the best altcoins to buy and introduced a new way for developers to create tools and platforms that operate without centralized control. For you, this means access to an ecosystem that supports real use cases beyond sending and receiving funds.
Ethereum uses smart contracts, which are programs that execute automatically once conditions are met. You don’t need banks or intermediaries to approve transactions, and this gives you more control and transparency when interacting with blockchain based services. These smart contracts power decentralized apps, known as DApps (Decentralized Applications), across finance, gaming, and digital ownership.
Ethereum also played a key role in the growth of NFTs (Non Fungible Tokens), allowing creators to sell digital crypto assets and receive royalties. Gamers can buy and trade in game items using Ether and keep ownership of what they purchase. With continuous development and a strong community behind it, Ethereum is often considered the best crypto to invest in for 2026.
3. Binance Coin (BNB) – Powering the Binance Ecosystem
| Market Cap | Price News | Main Features | Where to Buy |
| $119.11 Billion | Steady growth, strong utility | – Native token of Binance Exchange – Powers Binance Smart Chain – Low transaction fees | Binance, Coinbase, Kraken, and other major exchanges |
Binance Coin (BNB) was launched in 2017 as the native cryptocurrency of the Binance Exchange, one of the largest crypto trading platforms in the world. Initially created to offer discounts on trading fees, BNB has evolved into a versatile token with a wide range of uses.
BNB powers the Binance Smart Chain, a blockchain designed for fast and low-cost transactions. This makes it a popular choice for developers building decentralized applications and for users engaging in DeFi projects. You can also use BNB to pay for transaction fees, participate in token sales, and even book travel services.
If you’re looking for a cryptocurrency with strong utility and a growing ecosystem, BNB is worth considering. It’s available on Binance and other best app to buy cryptocurrency, making it easy to buy and use. Whether you’re trading, investing, or exploring DeFi, BNB offers plenty of opportunities.
4. Solana (SOL) – Fast and Scalable Layer-1
| Market Cap | Price News | Main Features | Where to Buy |
| $72.3 Billion | Rapid growth, high developer activity | High speed transactions, low fees, scalability | Binance, Coinbase, Kraken, and other major platforms |
If you’re wondering what is Solana, it is a layer one blockchain built to handle large volumes of transactions quickly and at a low cost. Launched in 2020, Solana has quickly gained attention for its speed and scalability, making it a favorite for developers and users alike. Solana was designed to avoid congestion issues that slow down many other networks.
Solana supports a wide range of projects, including finance platforms, NFT marketplaces, and blockchain based games. Developers are drawn to Solana because it can process thousands of transactions per second without driving fees higher. As more apps launch on the network, Solana continues to grow as a practical option for everyday crypto use.
If you plan to invest or use the network, choosing the best place to buy cryptocurrency matters. Solana is available on most major platforms, making it easy for you to buy, hold, and move your SOL when needed. Its focus on speed and scalability keeps Solana competitive.
5. Cardano (ADA) – Sustainable Smart Contract Platform
| Market Cap | Price News | Main Features | Where to Buy |
| $34.9 Billion | Influenced by network upgrades and growing adoption | High speed transactions, low fees, scalable design | Major crypto exchanges and trusted trading apps |
Cardano became active in 2017 and has since established itself as one of the best crypto to invest in. It’s a proof-of-stake blockchain platform built on peer-reviewed research and developed using evidence-based methods. This approach ensures a high level of security and sustainability, making it a standout choice in the crypto world.
What sets Cardano apart is its Ouroboros protocol, the first peer-reviewed blockchain protocol. This technology allows Cardano to scale globally while maintaining security and minimizing environmental impact. It’s designed to support decentralized applications, systems, and societies, offering a sustainable foundation for innovation.
Cardano’s focus on sustainability and scalability makes it a strong contender for those exploring investment opportunities. If you’re looking for a reliable cryptocurrency, you can find Cardano on platforms like Binance, Coinbase, and Kraken. Whether you’re interested in its eco-friendly approach or its potential for growth, Cardano offers a unique value proposition.
6. Avalanche (AVAX) – Multi-Chain Interoperability
| Market Cap | Price News | Main Features | Where to Buy |
| $6.07 Billion | Rapid adoption, focus on interoperability | – Multi-chain framework – High-speed transactions – Eco-friendly consensus mechanism | Select major exchanges and apps |
Avalanche focuses on giving developers and users flexibility. Instead of forcing every project onto one shared network, Avalanche lets teams create their own blockchains while still connecting to the broader ecosystem. For you, this means faster transactions and apps that do not slow down during high demand.
Avalanche is popular in decentralized finance and gaming because it processes transactions quickly and keeps costs low. Its design supports growth without congestion, which helps projects scale smoothly. This approach makes Avalanche appealing if you want exposure to blockchains built for long term expansion.
What makes Avalanche unique is its ability to support multiple blockchains within its ecosystem. This multi-chain framework allows developers to create custom blockchains tailored to specific applications while benefiting from Avalanche’s high-speed and low-cost transactions. Its eco-friendly consensus mechanism further enhances its appeal, making it a sustainable choice for developers and users alike.
7. Chainlink (LINK) – The Oracle Backbone of DeFi
| Market Cap | Price News | Main Features | Where to Buy |
| $8.95 Billion | Consistent growth, strong DeFi integration | – Decentralized oracle network – Bridges real-world data to smart contracts – Essential for DeFi applications | Select major exchanges and app |
Chainlink is a decentralized oracle network that plays a critical role in the blockchain ecosystem, especially in decentralized finance (DeFi). It connects smart contracts with real-world data, enabling them to function effectively in a variety of applications.
What sets Chainlink apart is its ability to provide secure and reliable data feeds for DeFi platforms, gaming, insurance, and more. By bridging the gap between blockchain and external data sources, Chainlink ensures that smart contracts can interact with real-world events, such as price feeds, weather data, and even sports results. For those exploring the best app to buy cryptocurrency, Chainlink is a strong choice due to its essential role in the DeFi space. Its widespread adoption and innovative technology make it a valuable asset for both developers and investors.
8. Polygon (POL) – Layer-2 Scaling for Ethereum
| Market Cap | Price News | Main Features | Where to Buy |
| $1.2 Billion | Linked to Ethereum adoption and scaling needs | – Layer-2 scaling for Ethereum – Low transaction fees – High-speed processing | Supported by most major crypto platforms |
Polygon (POL), previously (MATIC), is a layer two network built to help Ethereum work better as more people use it. If you’ve ever experienced slow transactions or high fees on Ethereum, Polygon steps in to make things faster and more affordable while still keeping Ethereum’s security and decentralized nature. It connects Ethereum based apps to sidechains, so you get smoother performance without giving up trust.
Polygon also gives developers the flexibility to build blockchains that fit their specific projects. For you, this translates into quicker transactions, lower costs, and apps that feel easier to use. That’s why many decentralized finance platforms, NFT marketplaces, and blockchain games rely on Polygon to deliver a better user experience. You can move assets between Ethereum and Polygon with ease, which adds another layer of convenience.
If you’re searching for the best app to buy cryptocurrency, you’ll find Polygon supported on most major platforms. Once you’re in, you can explore a wide range of apps, trade NFTs, or use DeFi tools without dealing with the usual network delays. Polygon makes interacting with Ethereum based projects more practical for everyday use.
9. XRP (Ripple) – Cross-Border Payment Solution
| Market Cap | Price News | Main Features | Where to Buy |
| $121.88 Billion | Influenced by partnerships and regulatory clarity | – Fast transfers – Low transaction costs | Available on major global exchanges |
If you’re considering what crypto to buy now, XRP stands out as a top choice, particularly for those focused on international payments. XRP is tailored to enable quick and affordable cross-border money transfers, making it highly appealing to financial institutions. Its consensus mechanism ensures transactions are completed in seconds with minimal fees.
The efficiency makes it a preferred option for global remittances and payments. Its growing adoption is supported by collaborations with leading financial organizations and ongoing progress in achieving regulatory approval. For those exploring investment options, XRP is accessible on major global exchanges. As a cryptocurrency with practical applications and strong institutional backing, XRP presents a compelling opportunity.
10. Toncoin (TON) – Telegram-Powered Ecosystem
| Market Cap | Price News | Main Features | Where to Buy |
| $4.35 Billion | Backed by Telegram, growing adoption | Telegram-powered ecosystem – Fast and secure transactions | Available on major global exchanges |
For those seeking the best altcoins to invest, Toncoin (TON) offers a unique proposition. As the native cryptocurrency of The Open Network (TON), it is deeply integrated with Telegram, one of the world’s largest messaging platforms. This connection provides Toncoin with a vast user base and significant growth potential.
Toncoin is designed for fast and secure transactions, making it ideal for payments, decentralized applications, and other blockchain-based services. Its ecosystem benefits from Telegram’s backing, which enhances its credibility and adoption among users.
Investors looking for innovative altcoins will find Toncoin accessible on major global exchanges. With its strong foundation and growing ecosystem, Toncoin is a promising option for those exploring new opportunities in the cryptocurrency market.
11. Dogecoin (DOGE) – The Meme Coin with Real Utility
| Market Cap | Price News | Main Features | Where to Buy |
| $24.03 Billion | Driven by community and celebrity endorsements | Peer-to-peer digital currency, low transaction fees, strong community support | Available on major global exchanges |
Dogecoin, which began as a lighthearted project in 2013, has grown into a cryptocurrency with significant real-world applications and a dedicated following. It is a peer-to-peer digital currency that facilitates fast and secure transactions, making it ideal for tipping, donations, and microtransactions. Its low transaction fees further enhance its appeal, especially for transferring small amounts of money efficiently.
The cryptocurrency has gained widespread recognition due to its strong community support and endorsements from public figures and companies, which have played a crucial role in its adoption and growth. As an open-source and decentralized project, Dogecoin continues to evolve with contributions from developers worldwide. Its journey from a meme to a functional cryptocurrency underscores its unique position in the crypto market, making it an accessible and compelling option for crypto investors and users alike.
12. Arbitrum (ARB) – Leading Layer-2 Solution
| Market Cap | Price News | Main Features | Where to Buy |
| $1.18
Billion |
Gaining traction as a Layer-2 scaling solution | High-speed transactions, low fees, Ethereum compatibility | Available on major global exchanges |
Arbitrum is a cutting-edge Layer-2 scaling solution designed to enhance Ethereum’s performance by providing faster and more cost-effective transactions. It achieves this by processing transactions off-chain while maintaining a secure connection to the Ethereum mainnet. This approach significantly reduces congestion and gas fees, making it an attractive option for developers and users alike.
Arbitrum’s compatibility with Ethereum ensures seamless integration with existing decentralized applications (DApps), allowing developers to scale their projects without compromising on security or decentralization. Its high-speed processing capabilities and low transaction costs make it a preferred choice for DeFi platforms, the best NFT marketplaces, and other blockchain-based applications. As a promising Layer-2 solution, Arbitrum is widely accessible on major global exchanges. Its innovative approach to scalability and strong alignment with Ethereum’s ecosystem position it as a leading option for those exploring advanced blockchain technologies.
Why You Should Invest in Cryptocurrency in 2026
The financial landscape is evolving, and cryptocurrency has cemented its place as a key player. In 2026, investing in digital assets offers unique opportunities for growth and diversification. Here are practical reasons to consider:
- Mainstream Adoption. Cryptocurrencies are no longer niche. Major corporations and institutions are integrating them into their operations, signaling long-term confidence. This growing acceptance boosts market stability and value.
- Technological Innovation. Blockchain advancements, like Layer-2 scaling solutions and interoperability, are solving real-world problems. Platforms such as Polygon and Avalanche are driving efficiency, making crypto ecosystems more robust and user-friendly.
- Decentralized Finance (DeFi). DeFi is revolutionizing financial services by eliminating intermediaries. From earning yield through staking to accessing global financial tools, DeFi offers practical ways to grow wealth.
- Digital Ownership and NFTs. NFTs have expanded beyond art to include ticketing, real estate, and memberships. This tokenization of assets is creating new markets and investment opportunities
- Portfolio Diversification. Cryptocurrencies provide a hedge against inflation and reduce portfolio risk due to their low correlation with traditional markets. Assets like Bitcoin offer scarcity, making them a reliable store of value.
- Regulatory Clarity. Governments are establishing clear frameworks for crypto, reducing risks and enhancing investor protection. This legitimacy is attracting more mainstream investors.
How to Choose the Best Crypto to Invest In
With so many projects available, using clear criteria helps you avoid emotional decisions and build a stronger portfolio. The factors below give you a practical way to evaluate any crypto before investing.
1. Market Capitalization
Market capitalization shows the total value of a cryptocurrency and helps you understand its position in the market. Crypto coins with larger market caps often have stronger networks, broader adoption, and more established track records. At the same time, smaller market cap coins may offer higher growth potential but come with more volatility. When searching for the best crypto to buy now, market capitalization helps you balance stability and opportunity.
2. Liquidity
Liquidity measures how easily you can buy or sell a cryptocurrency without causing large price changes. High liquidity allows you to enter and exit positions quickly, which is especially useful during fast market movements. Low liquidity can make trades harder and increase risk, especially in less popular assets.
3. Security
Security protects both the network and your investment. A secure blockchain reduces the risk of hacks, fraud, and technical failures. Reviewing a project’s history, audits, and development practices helps you judge how seriously security is taken. Using the best app to buy cryptocurrency adds another layer of protection through strong account security and asset storage.
4. Use Case
A clear use case explains why a cryptocurrency exists and how it provides value. Projects that support payments, decentralized apps, or data services often have stronger long term demand. When you understand the purpose behind a coin, you can better judge its future relevance.
Learning how to buy crypto is only part of the process. Knowing why you’re buying it helps you invest with confidence and patience. Strong use cases support adoption, which can drive growth over time.
How to Invest in Cryptocurrency
Getting started with cryptocurrency is easier than many people expect once you understand the basic steps. The key is choosing the right platform, setting up your account correctly, and making informed buying decisions. Below is a simple process you can follow to begin investing with confidence.
Step 1: Choose a Reliable Platform
Begin by selecting a platform where you can buy and trade cryptocurrencies. Popular crypto exchanges like Coinbase, Binance, and Gemini offer user-friendly interfaces and a wide range of assets. Alternatively, traditional brokerages such as Webull and Robinhood also allow cryptocurrency investments, though they may have fewer options compared to dedicated exchanges.
Step 2: Create and Verify Your Account
Sign up for an account on your chosen platform. This involves providing your email address, setting a password, and completing identity verification. Be ready to upload identification documents, such as a passport or driver’s license, to comply with regulations and secure your account.
Step 3: Deposit Funds
Fund your account using the platform’s available methods, such as bank transfers, credit or debit cards, or PayPal. Review any associated fees to choose the most cost-effective option for your deposit.
Step 4: Select the Cryptocurrency to Buy
Research and decide which cryptocurrency aligns with your investment goals. Whether you’re considering established options like Bitcoin and Ethereum or exploring altcoins, ensure you understand the project’s purpose and potential. Use the platform’s tools to analyze market trends.
Step 5: Make Your Purchase
Enter the amount you wish to invest and complete the transaction. Most platforms allow you to buy fractions of a coin, so you don’t need to purchase an entire Bitcoin or Ethereum token. Your cryptocurrency will then appear in your account wallet.
Step 6: Secure Your Investment
For long-term holding, transfer your cryptocurrency to a secure wallet. Hardware wallets and software wallets provide enhanced security compared to leaving your assets on an exchange, protecting your investment from potential hacks.
Conclusion
Cryptocurrency investment in 2026 presents innovation, growth potential, and diversification. Understanding the market, leveraging technological advancements, and practicing secure investment strategies can help position investors for success in this evolving financial space. Exploring established options like Bitcoin or emerging altcoins while aligning choices with financial goals is essential. With improving regulatory clarity and increasing adoption, cryptocurrency is solidifying its role as a viable asset class. Conducting thorough research, investing responsibly, and staying informed are crucial steps to navigating this dynamic market effectively.
FAQs
The best crypto to buy now for beginners often includes established options like Bitcoin (BTC) and Ethereum (ETH). These cryptocurrencies are widely recognized, have strong market stability, and are supported by most exchanges. Bitcoin is considered a store of value, while Ethereum powers decentralized applications, making them ideal starting points. Beginners may also explore user-friendly platforms like Binance or Coinbase to make their first purchase.
The best crypto to invest in for long-term profits depends on your financial goals and risk tolerance. Bitcoin and Ethereum remain strong contenders due to their market dominance and adoption. Additionally, projects like Solana (SOL) and Polkadot (DOT) offer innovative solutions in scalability and interoperability, which could drive long-term growth. Researching the utility and vision of a cryptocurrency is essential for identifying profitable investments.
Yes, it is safe to buy crypto in 2026, provided you take necessary precautions. Use reputable exchanges like Coinbase, Binance, or Gemini, and enable two-factor authentication for added security. Store your assets in a secure wallet, such as a hardware wallet, to protect them from potential hacks. As regulatory clarity improves, the market is becoming safer for investors, but always conduct thorough research before investing.
The amount you should invest in crypto depends on your financial situation and risk tolerance. A common recommendation is to allocate no more than 5-10% of your investment portfolio to cryptocurrencies. Start small, especially if you’re new to the market, and gradually increase your investment as you gain confidence and understanding. Diversify your holdings to minimize risk.
The best exchange for buying crypto depends on your needs. Coinbase is ideal for beginners due to its user-friendly interface, while Binance offers a wide range of cryptocurrencies and advanced trading features. Gemini is known for its strong security measures, and platforms like Webull and Robinhood are great for those who want to manage crypto alongside traditional investments. Compare fees, features, and supported assets to choose the right exchange.
Yes, investing in cryptocurrency carries risks, and you can lose money due to market volatility. Cryptocurrency prices can fluctuate significantly in short periods, making it essential to invest only what you can afford to lose. Diversify your portfolio, avoid emotional trading, and focus on long-term strategies to mitigate risks. Educating yourself about the market is crucial for minimizing potential losses.
Cryptocurrency transactions are subject to taxation in many countries. Profits from selling crypto are often considered capital gains and may be taxed accordingly. Some jurisdictions also tax crypto-to-crypto trades and income earned through staking or mining. Keep detailed records of your transactions and consult a tax professional to ensure compliance with local regulations.
Crypto
‘De-Worsified, Not Diversified’: Robert Kiyosaki Warns Investors on a Hidden Risk
Key Takeaways
Word Play With a Warning
Robert Kiyosaki, the author of the best-selling personal finance book “Rich Dad Poor Dad,” is recasting a familiar piece of investing advice. In a post on X, he argued that many investors only believe they are protected, adding:
“De-Worse-ified means they think they are diversified, but they have all their diversified assets, such as gold, silver, Bitcoin, stocks, bonds, real estate, and oil, in one asset class.”
His point is that spreading money across many holdings does not help if those holdings all move the same way in a crisis. When a liquidity shock hits, correlations rise and supposedly diverse portfolios can fall in unison, leaving investors “de-worsified” rather than diversified.
The commentary is consistent with the stance Kiyosaki has pushed throughout 2026 as he recently named bitcoin among the safest investments for the year, grouping it with what he calls real assets. He has repeatedly listed gold, silver, oil, food, bitcoin, and ether as his preferred holdings, framing them as scarce stores of value that printed money cannot dilute.
He has paired that view with stark price calls, setting a target of $250,000 for BTC by year’s end alongside a longer-term goal of $1 million. At current levels, the move would require a gain of more than 230%. On the precious metals side of things, he recently suggested a possible $200-per-ounce silver level this year, calling the metal’s climb a signal of mounting financial stress.
Kiyosaki’s broader thesis is darker still, warning investors of a historic market crash that he ties to surging global debt and fragile private credit markets, urging followers to build income streams, learn trade skills, and accumulate hard assets before the storm.
Timing Is Everything
The “de-worsified” warning arrives at a tense moment for markets, especially as bitcoin posted its worst week since the 2022 collapse of Sam Bankman-Fried’s FTX exchange, sliding below $60,000 as record exchange-traded fund (ETF) outflows and risk-off sentiment gripped the sector.
That is exactly the kind of broad drawdown scenario (where bitcoin, equities, and other assets fall together) that Kiyosaki has used time and again to illustrate his point.
That said, he has become an increasingly polarizing voice within the broader economic landscape, with skeptics pointing out that his crash predictions are frequent and his price targets aggressive (and that he has issued similar warnings for years). Supporters argue his core message of owning scarce assets, avoiding hidden correlation, and preparing for volatility is a reasonable hedge against an era of heavy money printing and rising debt.
Whether or not his $250,000 bitcoin call lands, the distinction he is drawing is a real one, as true diversification really does depend on owning assets that behave differently (not simply owning many of them). In a market where everything from gold to crypto to stocks can move on the same macro headlines, that lesson may matter more than any single forecast.
Crypto
After hundreds of millions lost to fraud, NC lawmakers push for crypto ATM protections
North Carolina lawmakers on Tuesday advanced a bill to protect consumers from cryptocurrency kiosk fraud.
House Bill 920, which passed the House with a 115-to-0 vote, aims to regulate an industry that its author claims is unregulated in the state.
“It’s the wild, wild West,” Rep. Neal Jackson, R-Moore, said during a committee discussion on Tuesday. “There is no regulation whatsoever in North Carolina. That’s what we’re trying to do here.”
Lawmakers cited a growing amount of fraud as the reason for the bill. About $389 million in losses were reported last year through cryptocurrency ATMs, a 58% increase from 2024, according to the FBI. The majority of those impacted are 60-plus.
The bill now goes to the Senate for consideration. It seeks to:
- Require licenses for all kiosk operators under the Money Transmissions Act.
- Place operators under the supervision of the Commissioner of Banks.
- Require fraud warnings and transaction receipts for every transaction.
- Require compliance and consumer protection officers that are always available.
It also seeks to place limitations on transactions in an effort to reduce fraud, requiring a $2,000 daily limit for the first 30 days for new customers and a $5,000 daily limit for existing customers, who would qualify after 30 days.
While other states have service fees between 20% and 30%, Jackson suggests putting a cap at 14%.
State Rep. Tim Longest, D-Wake, expressed concern about having the kiosks at all in the state. He said the bill’s protections could be stronger.
“These machines can be the subject of fraud, basically facilitating fraud on seniors and other vulnerable individuals and in those cases,” Longest said. “… In crafting regulations, I think it’s important that we ensure consumers are adequately protected by those regulations and I do not believe that, under the language of the bill currently before you, those regulations are sufficient to protect consumers.”
Jackson pointed to this bill as an effort to regulate, not shut down, cryptocurrency kiosks in the state and said there are even more consumer protections in place.
David N. Tente, the executive director of the ATM Industry Association, said the bill — and others like it — is problematic because it requires operators to provide refunds to fraud victims in certain instances.
“In most cases, the cash in the ATM/kiosk does not belong to the operator, which means that returning any of it would be, technically, theft,” Tente said. “If you give someone cash for something, and you change your mind after they leave, you probably won’t get it back.”
He added: “We certainly feel sorry for those being scammed, but there are very simple things you can do to avoid it.”
Tente said these kinds of scams have existed for centuries, adding: “They are still here — just using different means of payment.”
Crypto
Zcash Climbs 80% Since June 5 as Traders Shrug off Orchard Bug Fears
Key Takeaways
- Zcash surged 11.3% to $478, reclaiming its top privacy coin status over monero after an 80% rally.
- The ZEC spike wiped out $11.5 million in short positions within 24 hours as bitcoin dropped below $63,000.
- Analysts like Matthew Brienen watch Zcash next to see how the market prices in the 2022 Orchard pool bug.
The Orchard Vulnerability
Privacy coin Zcash (ZEC) surged on Tuesday, jumping 11.3% to $478 as it maintained a steady recovery that began shortly after it plunged to just under $265. At the time of writing (5:32 a.m. EST), the privacy coin’s latest climb pushed its gains since June 5 to approximately 80% and saw ZEC’s market capitalization reclaim the $8 billion threshold.
The coin, alongside rival monero, was one of a handful of altcoins that logged gains exceeding 5% even as bitcoin dipped below the $63,000 threshold. ZEC’s surge above $470 on June 9 resulted in $11.5 million in short positions on the coin being wiped out in 24 hours, compared with $2.43 million in liquidated long bets.
While Zcash has since wrestled back its top-dog status from chief rival Monero, the asset is still trading at a steep discount compared to its pre-June 5 peak of just over $600. Before the correction, ZEC was riding a powerful wave of momentum, fueled by a resurgence in the crypto-privacy narrative and high-profile endorsements from industry heavyweights like Arthur Hayes. However, that bullish trajectory ground to a sudden halt. The catalyst for the reversal was the unsettling discovery of a critical vulnerability within Zcash’s Orchard shielded pool—a zero-knowledge security flaw that had quietly lay dormant since 2022.
Despite this, supporters of the privacy coin believe the uncovering of the bug has not damaged ZEC’s long-term appeal. Posting on X, Eunice Wong insisted there is an extremely low likelihood an exploit was executed and said traders who offloaded their holdings had overreacted.
“Long-term thesis hasn’t changed. In an AI-driven world where every transaction is tracked, financial privacy will become the scarcest asset, and ZEC is still one of the strongest privacy plays in crypto. Catching this falling knife is going to look like a genius move,” Wong wrote.
Matthew Brienen, managing partner at Cryptocharged, said while he recently reduced his ZEC holdings, it was purely a risk-management decision rather than a change in conviction. Nevertheless, he offered an explanation for why caution is warranted even if there is no proof that ZEC was counterfeited.
“The Orchard bug isn’t a confirmed inflation event. It’s a confirmed inability to prove supply integrity. Those are not the same thing. The most important fundamental fact to remember is that turnstile accounting is not the same as proving Orchard balances are legitimate. You can track what entered. You can track what exited. That doesn’t prove every claim inside the pool was valid,” Brienen explained.
He added, however, that if counterfeit Orchard notes do exist, they could remain hidden until redemption is ultimately forced. According to Brienen, the recent price action suggests that is exactly what the market is trying to price in.
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