According to Cointelegraph, a recent study by the Financial Industry Regulatory Authority (FINRA) reveals a decline in U.S. investors' interest in cryptocurrency investments. The study indicates that while the percentage of crypto investors remained stable at 27% from 2021 to 2024, the number of investors considering purchasing more or buying for the first time decreased from 33% in 2021 to 26% in 2024. This shift reflects a broader trend of reduced risk-taking behavior among investors. The FINRA study highlights a notable decrease in investors with high levels of investment risk, dropping from 12% to 8% between 2021 and 2024. The most significant decline was observed among investors under the age of 35, whose risk-taking behavior fell from 24% to 15%. Despite the steady number of crypto investors since the last study in 2024, the inclination to add cryptocurrency to investment portfolios has diminished. This trend is attributed to uncertainties surrounding interest rates, inflation, and the overall economic environment, prompting investors to seek safer assets. The study, conducted between July and December 2024, involved 2,861 U.S. investors and a state-by-state online survey of 25,539 adults. It found that 66% of respondents viewed crypto as a risky investment, up from 58% in 2021. Nonetheless, a third of investors expressed the belief that taking significant risks is necessary to achieve financial goals, with this sentiment rising to 50% among those aged 35 and under. Additionally, 13% of investors, including nearly one-third of individuals under 25, reported purchasing meme stocks and other viral investments. The pace of new investors entering the market has also slowed compared to 2021. Only 8% of investors reported entering the market in the last two years leading up to 2024, a decrease from 21% in 2021. FINRA noted that the surge of younger investors during the early pandemic period reversed as the pandemic ended, bringing the share of U.S. adults under 35 who invest back to 2018 levels. Overall, the study indicates a modest trend toward more cautious investment attitudes and behaviors compared to the 2021 survey.

According to PANews, BlackRock CEO Larry Fink described Bitcoin as a 'panic asset' during the DealBook Summit, suggesting that people purchase it due to concerns over fiat currency devaluation, financial instability, and geopolitical crises. Fink emphasized that Bitcoin is not a traditional 'hope asset' but gains popularity during periods of increased market uncertainty. Currently, BlackRock's Bitcoin ETF (IBIT) manages assets worth approximately $80 billion, holding over 780,000 BTC. He also mentioned that sovereign funds are quietly increasing their holdings at high levels. However, Fink cautioned that Bitcoin's high volatility and susceptibility to leveraged funds make it unsuitable for short-term trading.

According to Foresight News, PeckShieldAlert has reported that the USPD.IO account was compromised, leading to a loss of approximately $1 million.

China’s central bank has shifted its attention from volatile crypto currencies like Bitcoin to stablecoins, warning that the tokens represent a deep threat to monetary sovereignty and financial order. On 28 November, the Peoples Bank of China (PBOC) held a multi-agency meeting to address a fresh rise in virtual currency activity. China’s top financial, […] source: https://www.cryptopolitan.com/china-fears-stablecoins-as-much-crypto/

According to Odaily, Bruce, the founder of MSX, announced on X that Nasdaq has submitted an application for stock tokens to the SEC. He stated that Nasdaq filed the application in September, and if progress is swift, the official launch could occur in the first quarter of next year. Bruce emphasized that the introduction of Nasdaq's stock tokens will impact all 'unofficial stock tokens,' and MSX is prepared to transition to 'official' tokens at any time.

XRP’s sentiment landscape has taken a decisive turn, with social commentary plunging into the chart’s fear zone, a level not seen since October, even as the price holds steady above the $2 mark for now. source: https://www.ethnews.com/xrp-sentiment-flashes-fear-signal-as-social-mood-diverges-from-price-action/

除少数例外情况外，Messari预计L1山寨币资产的市场份额将继续被比特币蚕食，这一趋势在2026年及以后几年内都不会逆转。

12月4日迪拜区块链周CZ与Schiff有关比特币vs黄金这场辩论，你觉得谁赢了？

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为什么BTC以及整个加密货币市场出现了逆周期现象？如何用一个完整的叙事将AI、中美博弈以及BTC与黄金的反常表现串联到一起？

曾经放大上行收益的金融工程，如今也同样加剧了下行风险。

以太坊终极野心是成为“金融的Windows”。当货币需要自动化、全球化、智能化结算时，其开放生态的综合性功能将重塑全球金融生态，价值空间随生态扩张持续打开。

x402协议的诞生，恰似17世纪汇票挑战金银本位——新经济形态总是先于规则破茧。然而技术基础设施的稳固性与制度框架的成熟性同样重要。

钱包,Web 3.0,AI Agent,Curator,DeFi,Web3钱包未来5个重点发展方向 金色财经,Web3钱包的未来形态，有5个重点发力方向。

我们不再培养“只有半边大脑”的人，而是培养能在 AI 时代与机器协同、同时驾驭人文与理性的“新型通才”。

加密市场可能将进入“央行主导合规化”的新阶段。理解美联储的战略意图与政策逻辑，适应其推动的规则体系，是在数字金融时代把握机遇、应对挑战的关键。