Advanced Mortgage & Reserve PriceAMR

As of July 18, 2025, the cryptocurrency market is experiencing significant developments across regulatory, market, and technological fronts.

Regulatory Developments

The U.S. House of Representatives has passed the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act), establishing a comprehensive regulatory framework for stablecoins. This legislation mandates stringent standards for reserves, audits, and transparency for issuers, aiming to mitigate financial stability risks and protect consumers. The bill now awaits President Donald Trump's signature.

In addition to the GENIUS Act, the House passed a bill expanding the Commodity Futures Trading Commission's (CFTC) authority over the cryptocurrency sector. This move is expected to enhance oversight and potentially bring more stability to the market.

Market Performance

Bitcoin (BTC) is trading at approximately $118,947, with an intraday high of $120,714 and a low of $117,715. Ethereum (ETH) is priced around $3,619, reaching a high of $3,669 and a low of $3,376. XRP has surged to $3.45, marking a 5.5% increase from the previous close, with an intraday high of $3.65. Dogecoin (DOGE) has also seen a significant rise, trading at $0.240, up 10.7%.

Institutional Involvement

Institutional interest in cryptocurrencies remains robust. U.S. spot Bitcoin ETFs have logged their ninth consecutive day of net inflows, with $403 million added on Tuesday. This trend underscores the growing acceptance of digital assets among institutional investors.

Technological Advancements

Ethereum's co-founder, Vitalik Buterin, has unveiled a roadmap for "Ethereum 3.0," focusing on integrating zk-SNARKS natively into the base protocol. This development aims to enhance scalability and privacy within the Ethereum network.

Global Adoption

The global number of cryptocurrency owners has reached 700 million as of April 2025, indicating a significant increase in adoption. This growth reflects the expanding acceptance and integration of digital assets worldwide.

In summary, the cryptocurrency market is witnessing pivotal regulatory advancements, strong institutional engagement, and technological progress, contributing to its dynamic and evolving landscape.