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Expert Shares How to Make and Keep $1,000,000 in XRP Without Going Broke

Angel investor Armando Pantoja recently shared his advice on making, preserving, and growing a million dollars in XRP without risking financial ruin.

In a tweet, Pantoja outlined a strategy for securing long-term wealth through XRP and other digital assets. He emphasized the importance of managing profits rather than getting caught up in the excitement of a big win.

“You’re only worth the profit you generate off the principal,” he explained, stressing that reaching seven figures in one’s crypto portfolio doesn’t necessarily equate to true financial security. According to Pantoja, one is only truly “worth” 10% of that value annually.

Building a Solid Crypto Strategy with XRP

To build lasting wealth, Pantoja recommends making XRP the cornerstone of your crypto strategy. However, he cautions against putting all your eggs in one basket.

Pantoja advises diversifying with other established cryptocurrencies like Bitcoin and Ethereum. According to him, Bitcoin provides security, while Ethereum enables users to earn passive income through staking. He also suggests diversifying into other cryptocurrencies, such as XLM, to gain broader exposure to the market.

Meanwhile, Pantoja recommends moving long-term holdings into cold storage and keeping crypto off exchanges to safeguard assets. He stressed that leaving tokens on exchanges can expose them to hacks and market instability.

Leveraging Passive Income Streams for Growth

Once the principal is secure, Pantoja urges investors to focus on creating multiple passive income streams. He highlights the importance of staking cryptocurrencies (like Ethereum) on trusted platforms to earn a reliable yield.

Additionally, Pantoja recommends borrowing against one’s crypto holdings instead of selling them. This allows investors to secure liquidity without incurring tax penalties.

With that liquidity, Pantoja suggests investing in income-generating assets such as real estate (short-term rentals, multi-family units, or farmland), dividend-paying stocks, or real estate investment trusts (REITs). These assets will provide a steady income stream while preserving the initial investment.

Shielding and Multiplying Your Wealth

Furthermore, Pantoja advises investors to utilize tax-efficient structures such as LLCs, trusts, and tax-advantaged accounts like IRAs to protect and multiply wealth. He also recommends crypto IRAs as a legal way to shield assets while they grow.

Pantoja’s ultimate piece of advice is to use capital to build a business that generates consistent income. In his view, building the right financial structure could generate $6,000, $10,000, or even $15,000 a month. In his parting words:

“This is how the wealthy play the game. They live off the yield and never consume the principal. They never confuse one big win with long-term wealth. Anybody can make a million. Very few know how to keep it.”

Top Strategist Says Bitcoin Can Overtake Gold: Here’s The Timeline and Price Implication

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Jurrien Timmer, the director of global macro at Fidelity, has weighed in on the Bitcoin vs. gold debate, stating that the premier asset could come out tops soon.

The Bitcoin versus gold superiority debate is a long-standing brawl in the financial market. Both are considered stores of value due to their scarce nature and have continued to thrive in harsh market circumstances, with Bitcoin outperforming in the last decade.

While the difference in valuation between gold and Bitcoin is miles off in the current market, analysts believe the pioneering cryptocurrency will catch up due to its impressive growth pace. Jurrien Timmer, Fidelity’s director of global macro, shares this sentiment as he weighed in on the topic yesterday.

Bitcoin Flipping Gold Is Much Possible

In an X post on March 28, Timmer highlighted the possibility of Bitcoin overtaking gold. The Fidelity executive insisted that the digital asset could accomplish the daunting feat but admitted it would not happen anytime soon.

Timmer shared a permutation on the possible timeline for Bitcoin to match and disrupt gold’s supremacy. He highlighted that the precious metal’s valuation has appreciated at a compound annual growth rate (CAGR) of 8% since 1970, with the asset up 17% already this year.

His analysis suggested that if gold grows at this rate and Bitcoin follows either the power law curve or the internet S-curve model, the cryptocurrency could catch up in ten to twenty years. An accompanying chart shows that following the power curve model would see Bitcoin match gold’s valuation by 2035.

Bitcoin vs Gold Valuation Curve

However, the internet S-curve model, which indicates Bitcoin’s price correlation with its adoption rate, would take much longer, with Timmer suggesting a 20-year timeframe for Bitcoin to match gold using the metric. Nonetheless, the Fidelity executive noted that gold may always be “Bitcoin’s quieter older sibling” if it accelerates its growth past the 8% CAGR.

Bitcoin’s Price Based on This Theory

Meanwhile, if gold grows hypothetically at 8% per annum from its current price of $3,085 (leaving behind its 17% rally so far this year), the asset will trade at $6,660 per ounce in 2035. Assuming its above-ground stock remains at approximately 6.7 billion ounces, gold’s market cap would hit $44.62 trillion, nearly 116% up from its current valuation of $20.67 trillion.

From Timmer’s assertion, Bitcoin would match gold’s valuation in 2035 using the power law projection. This means that the pioneering cryptocurrency would hypothetically hit a market cap of $44.62 trillion a decade from now.

Hence, with a hypothetically unchanged Bitcoin supply of 19.84 million and a market cap of $44.62 trillion, the crypto leader would reach $2.25 million per coin by 2035.

Legal Expert Outlines Timeline for 100% Resolution of Ripple V SEC Lawsuit

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Founder of Hodl Law Fred Rispoli outlines a clear path and possible timeline for the full resolution of the SEC v. Ripple lawsuit. 

Although the SEC and Ripple have agreed to drop their respective appeals against each other, the multi-year lawsuit has not been fully resolved. Some issues, specifically relating to Judge Analisa Torres’ final ruling, still need to be addressed to resolve the lawsuit. 

While the SEC agreed to drop its appeal without condition, Ripple’s decision to dismiss its cross-appeal was conditional. Notably, it involves Ripple paying the SEC a fine of $50 million instead of the $125 million order, with the regulator also asking Judge Torres to lift the permanent injunction imposed on future institutional XRP sales.

Path and Timeline for Resolution 

Earlier, Ripple CLO Stuart Alderoty disclosed the remaining requirements to finalize the lawsuit’s resolution, such as the commission’s vote, the drafting of the final documents, and court processes.

Drafting of Final Documents 

Following this announcement, Attorney Rispoli asserted that the parties had already prepared the final documents. This indicates that the process of finalizing the resolution of the Ripple lawsuit has already commenced.

Commission’s Vote 

The legal expert noted that the next step is for SEC commissioners to vote on the decision to officially drop the appeal. The crypto community expected this vote to happen yesterday, March 27, at its closed-door meeting. However, it did not occur as expected. 

Attorney Rispoli predicted that the commissioners would vote and approve the decision within 30 days of his tweet.

Filing of Motion for Injunction Dismissal 

After the vote, the lawyer expects the SEC to file a motion to Judge Torres requesting the lifting of the injunction. He does not expect Ripple to oppose the motion, making the process easier. 

According to Rispoli, Judge Torres will grant the request in less than 30 days after the SEC files the motion. Overall, Attorney Rispoli expects the Ripple case to be fully resolved within 60 days or two months of his tweet.

Since he made the post on March 25, this indicates Rispoli expects a 100% resolution of the Ripple lawsuit on or before May 24, 2025. 

In the meantime, the SEC has not issued a statement confirming its plans to drop its appeal against Ripple. Some experts, like Eleanor Terrett, believe that the SEC will issue a statement after its commissioners vote on the appeal dismissal decision.

CZ Denies Rumors of Binance Delisting Ethereum

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Changpeng Zhao (CZ), founder and former CEO of Binance, dismisses rumors that the exchange is planning to delist Ethereum (ETH). 

Binance New Listing Model Sparks ETH FUD

This development arose after Binance introduced two new community-driven features: ’Vote to List’ and ‘Vote to Delist.’ Notably, the new features allow users to decide which tokens will appear on the Binance platform. 

With this features, users can vote to have Binance list a particular token or delist it based on their preference. However, shortly after Binance introduced the system, fake news started making the rounds suggesting that the exchange was planning to delist Ethereum. 

CZ Denies Claim 

As the rumor gained momentum, it triggered panic among investors, particularly Binance users. Reacting, Binance’s CZ dismissed the rumors emphatically, stating that anyone who “believes it deserves to be poor.” 

His response was part of an effort to reassure the crypto community of Binance’s continued support for Ethereum. It is also intended to curtail unfounded panic that might negatively impact ETH’s price action. 

CZ has been a long-term fan of ETH. In a recent interview, he suggested that Ethereum is an essential technology for decentralized finance (DeFi), given its widespread adoption as the backbone for several DeFi applications. 

The Binance founder also regretted missing the opportunity to invest early in ETH. Despite ranking as one of crypto’s richest, an early investment in Ethereum would have grown CZ’s fortune significantly.  

Binance’s Support for ETH 

Meanwhile, Ethereum was among the first tokens listed on Binance immediately after the exchange launched in 2017. Ever since, Binance has introduced new markets for the second-biggest cryptocurrency by market cap. 

At the moment, Binance has 15 trading pairs for Ethereum, including ETH/BTC, ETH/USDC, ETH/USDT, and ETH/FDUSD. 

Notably, the ETH/USDC pair ranks as the fourth most traded crypto pair on Binance in the past day, with a daily volume of $1.54 billion. In the meantime, ETH is changing hands at $1,886, with a daily decline of 1.56%. 

Analyst Shares “Key” Levels Dogecoin Must Flip to Support to Sustain Recovery 

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A notable market analyst has identified two crucial levels that Dogecoin must flip to support before it can sustain its recovery push.

Dogecoin (DOGE) has been a victim of the broader crypto market’s turbulence over the past two months. However, even in January 2025, when the rest of the market displayed bullish tendencies, DOGE witnessed unique struggles, managing to secure gains of only 4.08% that month.

With its 38.63% slump in February and a subsequent 12.75% drop this month, March, Dogecoin is now down 44.25% year-to-date. The meme coin appears on track to record its largest quarterly loss since Q2 2022, when it crashed 52% as a result of the contagion from the Terra implosion.

While multiple analysts expect a recovery to take shape soon, one market watcher has recently identified regions the asset must conquer before this rebound can come into full effect. Market analyst ‘readCrypto’ took to TradingView to discuss Dogecoin’s ability to rebound from the recent lows.

Key Levels Dogecoin Must Flip to Support

According to the analysis, the “key” lies on whether Dogecoin will be able to flip the $0.1895 level into support. For context, this region served as a major resistance level for the meme coin from March 10 to 23. The bears mounted this roadblock after DOGE dropped below the $0.1895 mark on March 9.

Dogecoin 1D Chart
Dogecoin 1D Chart

During his analysis, Dogecoin had already recovered above $0.1895, but continued to fluctuate around this level. ‘readCrypto’ suggested that a decisive recovery would mean conquering this level and confidently turning it into support for when the recent momentum fades.

According to the analyst, should this occur and Dogecoin spikes above $0.1895, the second requirement for a sustained recovery is if it can soar above the weekly M-Signal indicator. He confirmed that this indicator aligns with the $0.21409 price level.

Earlier, The Crypto Basic stressed that Dogecoin’s most potent resistance during the recent recovery push was at the $0.20 psychological region, citing data from Glassnode’s UTXO Realized Price Distribution (URPD). This aligns closely with the $0.21 mark identified by ‘readCrypto.’

Notably, the analyst argued that if Dogecoin failed to capture the $0.1895 and $0.2140, it would face a pronounced downtrend, especially when the recent momentum dies down. Interestingly, this bearish projection has materialized at press time.

DOGE Requires Renewed Momentum

For context, the broader market’s rebound campaign recently faded, and DOGE has since observed a 9.55% collapse to trade at $0.1764. The meme coin now needs to capitalize on any subsequent market rebound to surpass and flip $0.1895 and $0.2140 into support to have a chance at maintaining its recovery effort.

Once a successful recovery occurs, analysts have presented multiple ambitious targets. For instance, Trader Tardigrade suggested DOGE could hit $8, citing findings from his “Doge Circle” analysis. Further, analyst Kamran Asghar believes Dogecoin could reach $6 due to historical performance.

Brandt Calls XRP ‘Pet Rock,’ Says H&S Top Could Flip Bullish if XRP Hits $3, Otherwise Drop to $1 May Occur

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Peter Brandt has identified a complex head and shoulders top for XRP, suggesting a drop to November 2024 lows except a recovery ensues.

The market veteran’s recent analysis follows a previous disclosure from him regarding XRP’s current price position. For context, XRP has not set out a clear trend since the start of this month, March. The altcoin has witnessed periods of price slumps and occasional upsurges but maintains the same bearish footing.

XRP Forms Head and Shoulders Top

Amid this indecisive phase, market veteran Brandt believes the asset has formed a head and shoulders top. For the uninitiated, a head and shoulders structure is a bearish pattern that often signals an imminent downward trend. It typically consists of two lower peaks (left and right shoulders), with a higher peak (the head) between them.

Brandt’s chart suggests that the left shoulder formed when XRP soared to the $2.9 peak in early December 2024. This came up on the back of the uptrend that began in November 2024 following Donald Trump’s victory in the election. XRP rallied from $0.5 in November to $2.9 in December before facing rejection.

XRP Head and Shoulders Peter Brandt
XRP Head and Shoulders | Peter Brandt

After over a month of consolidation, the altcoin recovered, soaring to a new seven-year peak of $3.4 in mid-January 2025. According to the chart, this $3.4 peak represented the head of the pattern. Following the resistance at $3.4, XRP collapsed amid a broader market pullback.

Interestingly, after President Donald Trump’s social media announcement earlier this month that the government plans to include XRP in the nation’s crypto reserve, XRP staged another recovery. The asset hit a peak of $3 on March 2, forming the right shoulder.

Price Levels to Watch

With the formation of both shoulders and the head, data indicates that the the pattern’s neckline stands around the $1.9 to $2 mark. This region is particularly crucial, as it determines if the head and shoulders pattern will take full shape or if XRP will invalidate it.

In his recent analysis, market veteran Brandt branded XRP a “pet rock,” reminiscent of his earlier criticisms of the asset. However, he admitted that if XRP soars above the $3 mark, the bearish connotation would become invalid. 

Nonetheless, should the head and shoulders pattern play out, the veteran trader expects a drop to $1.07. The last time XRP saw this price level was in November 2024, during the massive run that saw it recover $2. A drop below $2 and into the $1 range could prove bearish for the asset in the near term.

In his previous disclosure, Brandt suggested that this crash could materialize if XRP drops below $1.9, representing the neckline. Currently, XRP trades for $2.16, down 6.12% over the past 24 hours. A further 12% crash would bring the $1.9 neckline support into play. Previous analyses had suggested that XRP remains bullish as long as it holds $2.

Mike Novogratz’s Galaxy Digital Agrees to $200M Fine in LUNA Manipulation Case

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Michael Novogratz’s Galaxy Digital has agreed to settle a LUNA market manipulation case brought by the New York Attorney General’s Office.

On Thursday, March 27, Galaxy Digital agreed to pay an undiscounted $200 million fee to settle claims that all the while it was promoting the ill-fated LUNA token, it was offloading its holdings without proper disclosure in violation of anti-fraud laws. 

Galaxy Digital and Novogratz played major roles in promoting the Terra ecosystem. The latter famously followed through with a LUNA tattoo after the token’s price crossed $100.

As such, it is perhaps unsurprising that prosecutors all but blame Novogratz and Galaxy Digital for the success of LUNA and its sister token, the defunct algorithmic stablecoin TerraUSD, in the U.S.

Galaxy Promoted LUNA Without Proper Disclosure

Per the filing, Galaxy Digital entered a deal to promote LUNA in 2020 in exchange for an opportunity to purchase the token at $0.22, 30% below its market value of $0.31 at the time.

Through this deal, the firm purchased 18.5 million LUNA for $4 million, which unlocked on a monthly vesting schedule for one year, the filing said.

Prosecutors claim that the price of LUNA started soaring as Galaxy Digital began this promotion. They claim that with this price rise, the firm sold its holdings for hundreds of millions in profit without disclosing.

Notably, Galaxy Digital did not admit or deny any wrongdoing. However, the firm alluded to the settlement in its Q4 financial results published today, March 28. It asserted that it still had a profit of $174 million in Q4 2024 and $365 million for the full year after factoring in the case settlement fee, disclosing that it would be paying a discounted fee of $166 million in reality.

The collapse of the Terra ecosystem in 2022 left a $60 billion hole in the crypto market, which eventually triggered a wave of bankruptcies across the industry.

Terraform Labs Opens Portal for Investors to File Loss Claims in Bankruptcy Proceedings

Terraform Labs, the embattled company behind the collapsed TerraUSD (UST) stablecoin and LUNA token, is set to open its claims portal for creditors. 

The portal will be available starting March 31 as part of the company’s Chapter 11 bankruptcy filing last year. For context, this move comes after the collapse of its $40 billion ecosystem in 2022. The development left many investors and creditors facing significant financial losses.

Registering Claims as Portal Opens

Terraform Labs has announced that eligible creditors must register their claims through the “Crypto Loss Claims Portal” on April 30 at the latest for their claims to be considered. Notably, the firm will not entertain any claims after the deadline.

The portal is part of Terraform’s bankruptcy reorganization efforts and provides a formal process for creditors to seek compensation for their losses. The company is expecting a significant number of claims as it works to manage its massive financial fallout.

Required Documentation for Claims Submission

To file a claim, creditors must provide evidence of their crypto holdings, including wallet addresses for assets held natively and read-only API keys for assets stored on centralized exchanges. 

For those unable to provide these standard forms of proof, Terraform Labs will also accept account statements and transaction logs as “manual evidence.” However, claims supported by manual evidence may face longer review periods, as these will be subject to a more detailed, individualized review process.

Terraform has advised all claimants that manual evidence claims will not receive an expedited determination. Notably, the company has stressed the importance of providing accurate and complete documentation to avoid delays.

Reorganization Plan and Creditors’ Repayments

As part of its reorganization plan, Terraform Labs intends to repay creditors up to $442 million. U.S. Bankruptcy Judge Brendan Shannon approved this plan in a previous ruling.

Notably, Terraform’s proposed repayment plan comes after the company’s historic $4.47 billion settlement with the U.S. SEC, which accused the firm of defrauding users and creditors.

However, the regular investor may not receive any portion of the settlement funds. Terraform Labs has agreed to prioritize repayments to creditors over the SEC settlement, ensuring that affected investors are compensated first.

Just In: Saylor Predicts Bitcoin to Hit $500T Market Cap Amid Calls to Bolster US Strategic Reserve

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Strategy Chairman Michael Saylor has made another bold prediction for Bitcoin amid discussions around the benefits of a Strategic Bitcoin Reserve (SBR).

Bitcoin’s role in the U.S. economy is under renewed scrutiny following recent developments. At the DC Blockchain Summit in Washington, Bitcoin advocate and Strategy co-founder Michael Saylor shared his latest bold prediction: Bitcoin’s market capitalization could reach $500 trillion.

Push to Bolster America’s Strategic Bitcoin Reserve

This statement comes amid a legislative push to bolster America’s Bitcoin holdings. Notably, President Donald Trump recently signed an executive order to create a Strategic Bitcoin Reserve, which will be composed of the $17 billion in BTC the nation already possesses. 

However, any additional acquisitions must be executed through “budget-neutral” means. In parallel, Senator Cynthia Lummis has reintroduced the BITCOIN Act, advocating for the government to accumulate 1 million Bitcoin to augment the reserve.

During the DC Blockchain Summit, Jason Les, CEO of Bitcoin mining firm Riot Platforms, led a discussion with Saylor and Lummis on the implications of a national Bitcoin reserve. 

“America Needs Bitcoin”

Les presented an important question to Saylor: Does America need Bitcoin more than Bitcoin needs America? Saylor responded with conviction, arguing that Bitcoin’s prominence is inevitable, with or without U.S. involvement.

“I think that Bitcoin is unstoppable […] Bitcoin doesn’t need America“ Saylor stated. “Satoshi started the fire. The fire is burning, and every single day tens or hundreds of millions of dollars of capital are flowing into the network.”

Saylor anchored his argument in historical financial developments. He highlighted past monetary shifts, such as the European exploitation of glass beads in African trade and the demonetization of silver in favor of gold. 

According to him, Bitcoin represents the next evolution in money, absorbing value from legacy assets like real estate, sovereign debt, and traditional currency reserves.

Saylor Predicts Bitcoin to Hit $500T Market Cap

He further explained that Bitcoin would grow from $2 billion to $20 billion, then to $200 billion and beyond. He stated that, ultimately, Bitcoin could claim a $500 trillion market cap. This would mark a 29,840% increase from the asset’s current market cap of $1.67 trillion.

This prediction is in sync with Saylor’s long-standing advocacy for Bitcoin as a superior store of value compared to traditional assets. He believes Bitcoin’s fixed supply and decentralized nature make it an ideal hedge against inflation and financial instability.

“And we have the opportunity to, in essence, just grab 10, 20, 30,000 dollars of Bitcoin. 10, 20, 25% of the network, let the entire dynamic flow, and it’s going to accelerate. And when the dust settles, the American people will own 25, 30% of that capital,” the Strategy Chairman said.

Saylor believes that as Bitcoin adoption accelerates, all global financial systems will be forced to adapt. His vision suggests that, much like the gold rush of the 19th century, early adopters of Bitcoin will gain a massive financial advantage over those who hesitate. 

“The rest of the world will eventually trade all of their assets for Bitcoin,” he warned. “But by then, they’ll be buying it at $10 million, $20 million, or even $50 million per coin.”

Notably, if Bitcoin reaches a $500 trillion market cap, with its 21 million token supply, this will translate to a price of $23.8 million per coin. This is not Saylor’s first high-stakes Bitcoin forecast. In December 2024, he predicted that Bitcoin could reach $13 million per coin by 2045. 

More recently, he has suggested that if the U.S. properly utilizes Bitcoin as a strategic reserve asset, it could effectively eliminate the national debt when it reaches a $200 trillion market cap.

VeChain to Launch New Debit Card Merging Blockchain Rewards with Everyday Spending

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VeChain is reportedly planning to launch a new payment card that combines blockchain-based rewards with everyday spending. 

Dubbed the B3TR debit card, the card will allow users to pay for everyday items such as groceries and clothing using the B3TR token. 

Popular VET investor Sebastian Rok shared the initiative today, noting that the VeChain Foundation has confirmed the ongoing development of the B3TR debit card. 

Features of B3TR Debit Card 

According to Sebastian, the card eliminates off-ramp friction and intermediaries while enabling a tap-and-pay experience. For context, B3TR is a reward token for the VeBetterDAO ecosystem. The system uses it to incentivize users to engage in sustainable actions like learning, walking, recycling, community services, and meditation. 

Essentially, the debit card bridges the gap between Web2 and Web3 by merging the digital token economy with traditional spending. This way, users can engage in certain activities to earn points, which are paid in B3TR tokens and can later be used for everyday purchases through the upcoming debit card. 

Notably, Sebastian expects the card to give B3TR actual monetary utility, onboard non-crypto users, and enhance the overall adoption of projects within the VeBetterDAO ecosystem. 

Further, the investor speculated that the B3TR debit card would foster adoption among three user groups: merchants, Web3 skeptics, and impact seekers. 

Conclusively, Sebastien emphasized that the card would give B3TR tokens real-world value while reinforcing VeChain’s vision of rewarding positive behavior. 

In the meantime, the VeChain Foundation has not issued a public statement confirming the upcoming launch of the B3TR debit card. 

Bybit Lists B3TR 

Meanwhile, Sebastian’s commentary comes a few days after Bybit, the world’s second-biggest crypto exchange by daily volume, listed the B3TR token for trading. Currently, B3TR is listed on Bybit under two trading pairs–B3TR/USDT and B3TR/USDC. 

B3TR is trading at $0.2143 per token, marking a decline of 5.74% over the past 24 hours. The token ranks as the 3,205th biggest cryptocurrency on CoinMarketCap, with a valuation of $40.56 million. Its volume has soared 19.53% over the past day to $15.17 million.