SEC gives green light to Bitwise ETF
If youâve ever had a friend who keeps saying âtomorrowâ but never follows through, thatâs the vibe after the Fedâs latest press conference.
Hereâs what we got for you today:

đ Fed Press Conference Recap
If youâve ever had that friend who keeps promising to pay you back âtomorrow,â but somehow that âtomorrowâ never comes â you know the feeling of frustration that builds up. At first, youâre cool with it â itâs just a little cash, right? But after the 15th time, you start wondering if itâll ever happen.
Well, thatâs kind of what weâre dealing with here after the Fedâs latest press conference.
Letâs start with the good news â the âOh hey, weâre on trackâ part of the story:
Inflation is still high. Yup, the Fed made it crystal clear â inflation is âquite highâ and theyâre not ready to rush into cutting rates just yet. After three rate cuts leading into 2024, the Fedâs playing it cautious, waiting for solid progress on inflation or signs of a weakening job market before they make any big moves. Theyâre still all about that 2% inflation target.
And speaking of rates, the policy-setting Federal Open Market Committee kept a steady hand on interest rates, sticking to its target range of 4.25% to 4.50%. This comes after those three consecutive rate cuts last year â so theyâre definitely taking their time before making any further adjustments.

So, yeah, we can breathe easy â no drastic moves for now. Right?
But then â just like your friend promising to pay you back âtomorrowâ â here comes the twist:
Chairman Jerome Powell made it clear that the Fed doesnât have a set timeline for rate cuts. Theyâre waiting for real progress, not just some vague hope. Inflationâs high, the labor marketâs holding strong, and no, theyâre not going to cut rates just because people are asking. Patience is key here.
And then⌠we get to the wild card: Tariffs. Powell admitted the impact of tariffs on the economy is still a total mystery. Heâs like, âWe donât even know how big of a deal this could be yet,â which doesnât exactly inspire confidence.
And finally, Powellâs big âYeah, weâre not talkingâ moment â he hasnât had any chats with Trump. Despite Trumpâs constant calls for rate cuts, Powellâs keeping it professional and calling Trumpâs remarks âinappropriate.â No games here.
Now, how did the market react?
Surprise â not much in the way of optimism. Stocks didnât love the message, and CME dataâs betting that the first possible rate cut wonât come until June. Meanwhile, Bitcoin? That guyâs still chill, staying strong above $100,000, like itâs no big deal.
So, yeah, nothing groundbreaking, but some serious wait and see vibes.

đ 201 Days Until Bitcoin Hits Its Next All-Time High?
The idea of a four-year cycle in crypto, driven by Bitcoinâs halving events, has been historically accurate. But is the pattern still holding in 2024?
Past Bitcoin Cycles & Peaks
1ď¸âŁ First Cycle (2012 Halving): Bitcoin surged nearly 100x after the halving.
2ď¸âŁ Second Cycle (2016 Halving): BTC increased 30x in 540 days before entering a long bear market.
3ď¸âŁ Third Cycle (2020 Halving): Bitcoin jumped 89x, peaking in 2021 with two major highs.

Current Cycle (2024 Halving) – Whatâs Different?
Based on historical data, Bitcoinâs peak tends to occur 480,000 blocks (~18 months) after the halving. Right now, we are 279 days in, suggesting the next major peak could be around 201 days from now (Summer 2024).
Key Observations in This Cycle
â Bitcoin searches on Google are rising again, indicating renewed retail interest.

â Institutional investors and governments are increasingly adopting Bitcoin.
â Unlike past cycles, Bitcoin has maintained higher price levels post-halving.
What to Expect Next?
-
If the historical pattern holds, Bitcoin may reach a new all-time high by mid-2024.
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Altcoins tend to surge after Bitcoin peaks, meaning an altseason could follow.
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Some analysts predict this cycle could be longer, with more sustained growth rather than sharp spikes.
Final Thoughts
History doesnât always repeat exactly, but it often rhymes. While Bitcoinâs price trajectory remains uncertain, past cycles suggest we are approaching a critical period. Will we see another record-breaking peak?
â Top Highlight in Crypto Today
đ¨ Texas is pushing for a Bitcoin Reserve in 2025! Lieutenant Governor đşđ¸ Dan Patrick says itâs a top legislative priority. The move aims to modernize finances, boost growth, and fight inflation.
đ Teslaâs new accounting rules let it value Bitcoin at market price each quarter. By the end of 2024, its Bitcoin holdings shot up from $184M to $1.076B!
đŹ Christine Lagarde, President of the European Central Bank, thinks Bitcoin wonât make it into the EUâs reserves. She even talked the Central Bank of the Czech Republic out of creating a Bitcoin reserve fund.
But, we are pretty sure Bitcoin will outlast Lagardeâs time at the ECB. Maybe instead of convincing countries, she should start by convincing her son â whoâs a Bitcoin investor.
đ§ Michael Saylor just made the cover of Forbes as the âBitcoin Alchemistâ⌠and now we are starting to worry. After all, we all know whatâs happened to some people after making it to that cover.

đ¨ The SEC just gave the green light to Bitwiseâs Bitcoin and Ethereum ETF! Now, investors can get exposure to both Bitcoin (BTC) and Ethereum (ETH), weighted by market cap.
đĄ The Central Bank of the Czech Republic (CNB) is now considering adding new asset classes to its national reserves. Governor AleĹĄ Michl suggested this move as part of a diversification strategy to explore potential benefits.
đ° Cardano (Ada): The Blockchain That Means Business
Youâve heard of Bitcoin. Youâve heard of Ethereum. But what about Cardano? If youâre sleeping on ADA, itâs time to wake up.
Cardano is a public blockchain platform that lets people send transactions peer-to-peer using its native crypto, ADA. It launched in 2017, backed by Charles Hoskinson, one of Ethereumâs co-founders, and is named after the legendary mathematician Gerolamo Cardano. The ADA token? A tribute to Ada Lovelace, the OG computer programmer of the 19th century.
What Makes Cardano Different?
Cardano isnât your average blockchain. It takes a research-first approach, meaning every major update goes through peer-reviewed academic research before going live. Itâs designed to be stable, secure, and scalableâavoiding the pitfalls that other chains have faced.
It runs on Ouroboros, a proof-of-stake (PoS) system thatâs far more energy-efficient than Bitcoinâs proof-of-work (PoW). And while Ethereum is still making its slow transition to PoS, Cardano has been rocking it from day one.
Cardano Vs. Ethereum: Which Oneâs Better? đĽ

Ethereum and Cardano are among the leading blockchain projects in the cryptocurrency world. Both projects aim to advance the future of finance by providing blockchains that are compatible with Smart Contracts. However, each project has a different approach to achieving this goal.
Ethereum: The First-Mover
â Launched Smart Contracts First â Biggest Ecosystem
â Started With Proof Of Work (PoW) â Switched To Proof Of Stake (PoS) In 2022 For Better Scalability & Lower Energy Use
â Still Has Higher Fees And Network Congestion
Cardano: The Challenger
â Built On PoS From Day One â Faster, Cheaper, And Eco-Friendly
â Highly Scalable And Low-Cost Transactions
â Fewer dApps And Slower Adoption Vs. Ethereum
Who Wins?
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Ethereum = More Adoption, Bigger Ecosystem
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Cardano = More Efficient, Better Scalability
Cardanoâs Development Phases
Cardano isnât standing stillâitâs evolving through five major phases, each named after famous figures in poetry and computer science:
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Byron (2017-2020): Laid the foundation for the blockchain.
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Shelley (2020-2021): Brought decentralization.
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Goguen (2021): Introduced smart contracts.
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Basho (2021-Present): Focuses on scalability.
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Voltaire (Upcoming): Will enable governance and treasury management.
Why Cardano Could Be Huge
Cardano is one of the biggest PoS blockchains out there. And while Ethereum is slowly shifting gears, Cardano is already miles ahead.
Every update goes through rigorous peer review, so it doesnât break mid-flight. Thatâs why Cardano is built to last.
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Shelley Upgrade (2020): Cardano aimed to be 50-100 times more decentralized than competitors. Hoskinson said this would lead to hundreds of assets running on Cardano.
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Alonzo Hard Fork (2021): Opened the doors for smart contracts and DAppsâpushing ADA to its all-time high of $3.101 on Sept. 2, 2021.
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Ecosystem Growth: DeFi, NFTs, gamingâyou name it. Cardano is building across multiple industries.
Cardano Ecosystem: Whatâs Cooking?
The Cardano ecosystem is packed with DeFi protocols, NFT projects, games, and dev tools. Hereâs a quick tour:
DeFi
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DEXs: Platforms like Minswap allow peer-to-peer trading without intermediaries.
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Lending & Borrowing: Cardano-based services let you lend or borrow decentralized style.
NFTs: Marketplaces: Platforms like AdaMakers help users create, buy, and sell digital collectibles.
Gaming: Blockchain Games: Projects like EpicApes integrate gaming with crypto rewards.
Infrastructure & Dev Tools – Dev Hub: A one-stop shop for building on Cardano.
Governance & Community: Decentralized decision-making is coming with Voltaire.

Ada: More Than Just A Token
ADA isnât just for tradingâitâs got real utility in the Cardano ecosystem:
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Transaction Fees â Powering the network.
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Staking Rewards â Earn passive income by securing the network.
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Governance â Vote on proposals and shape Cardanoâs future.
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Smart Contracts & DApps â Fueling decentralized applications.
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Digital Payments â Peer-to-peer transactions without a middleman.
How Cardano Handles Transaction Fees
Unlike Ethereumâs wild gas fees, Cardano keeps things predictable. Fees are calculated like this:
Fee = a * size(tx) + b
Where:
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a = 0.155381 ADA
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b = 0.000043946 ADA/byte
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size(tx) = transaction size in bytes
For a 200-byte transaction, the fee comes out to 0.164271 ADA ($0.10, depending on market prices).
Cardanoâs Latest Updates (As Of Jan 30, 2025)
đ Plomin Hard Fork: Cardano just rolled out the Plomin Hard Fork, bringing huge governance upgrades.
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CIP-1694 activated: ADA holders now vote on proposals.
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DReps & SPO voting: More decentralized decision-making.
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New staking rules: Only DRep-delegated accounts earn rewards.
đ 98,000+ ADA Holders & 3,000+ Stake Pools: Cardano is more decentralized than ever!
Cardano Goes Mainstream: Investment Funds & Etps
Major funds are now holding ADA:
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21Shares Cardano ETP (AADA) â A fully backed ADA ETP for institutional investors.
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ETC Group Physical Cardano ETC â A regulated investment product.
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Grayscale Digital Large Cap Fund â ADA included in Grayscaleâs big league fund.
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Bitwise 10 Crypto Index Fund â ADA is now part of Bitwiseâs crypto ETF application.
Final Thoughts: Cardano, The Underdog?
Crypto loves hype cycles, and Cardano is the chain thatâs always doubted until it isnât. With major governance upgrades, a maturing DeFi ecosystem, and institutions quietly adding Ada to their portfolios, the slow and steady approach might just win the race.
Will 2025 be the year Ada finally gets the respect it deserves? Time will tell. But one thingâs for sure â Cardano isnât going anywhere. đ
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