Today’s episode kicks off with a full plate: price action, regulatory shakeups, and industry voices like Craig Cobb and Bitfufu’s Charlie Brady bringing key insights. But before we dig into the guests, we’ve got to address the shift in crypto’s core infrastructure—particularly in the stablecoin space.
💸 What the Genius Act Means for XRP Investors
💰 Tether CEO: USDT Coming to America, Circle CEO Isn't Afraid
₿ Bitcoin Fee Rate Slashed by 90%: Is That a Good Thing?
📉 Trader Cobb & Market Training via The Grow Me Co
Ripple, XRP, and Stablecoin Chess
"You saw a lot of money flow into these stablecoin-adjacent tokens after the Genius Act. But the real value? It's in the companies." — Matt
With the Genius Act now law, signed by President Trump on July 18, Ripple’s RLUSD is positioned to challenge USDC and Tether in institutional markets. It’s a win for Ripple’s cross-border payment systems, but XRP holders shouldn't expect explosive gains just yet. The math isn't in their favor—59.1 billion XRP in circulation, only 14 million burned to date, and uncertainty from the lingering SEC case. While XRP is labeled a non-security on exchanges, it may still be one in institutional sales.
That’s where the proposed Clarity Act could shift the dynamic. If passed, it would designate XRP as a commodity, unlocking broader use cases for Ripple, especially in tokenization.
For now, though, if you’re bullish on Ripple, I think the smarter bet may be equity, not the token. If Ripple, Circle, or even Tether go public, those stocks could benefit more from this regulatory clarity than the crypto tokens themselves.
Tether vs. Circle: Two Stablecoin Titans, One Playing Field
"This isn't just about crypto anymore. This is stock market territory. And the big winners? The companies who know how to integrate with TradFi." — Matt
Tether and Circle are taking very different approaches, but both are adjusting to the Genius Act’s new foreign issuer pathway.
Tether's CEO pledged compliance over a three-year runway, including AML and audit requirements. Still, we’ve seen no complete reserve audit from them, and it’s unclear whether that will change. Meanwhile, Circle continues to emphasize transparency and compliance, which CEO Jeremy Allaire says gives USDC the edge for mainstream integration.
Both execs were at the White House for the bill signing—clear signal that stablecoin regulation is entering a new phase. But again, the market narrative here may shift toward public company performance over token prices.
Bitfufu on Crypto Week and the Policy Landscape
"These three new bills are a game changer for mining companies like ours." — Charlie Brady, Bitfufu
Bitfufu’s Charlie Brady framed the new crypto legislation as a foundational shift. With the Genius Act, Clarity Act, and CBDC Anti-Surveillance Act now law, U.S. companies finally have a stable legal foundation to scale.
The Anti-Surveillance Act especially resonates with Bitcoin’s core ethos. According to Brady, it reinforces the principles of privacy and digital sovereignty, while the Clarity and Genius Acts remove ambiguity around asset classification and payments.
What’s next? More institutional capital, more hashpower in the U.S., and more confidence to build blockchain infrastructure in a regulatory-safe environment.
Bitcoin Fees Drop, and So Do the Debates
"Is it a payment system or a store of value? Right now, I just care what the market is doing—and how to trade it." — Matt
Minimum Bitcoin fees just dropped 90%, down to 0.1 sats/vByte. That reflects lower block demand and fewer transactions, but it also underscores the ongoing tension around Bitcoin’s use case.
Yes, low fees are great for users, but they raise long-term questions about miner incentives and network security. Still, in the short term, miners are adjusting by prioritizing low-fee transactions to keep blocks full. It's not a red flag yet, but definitely something to watch.
Craig Cobb’s Trade Rundown and Altcoin Bonanza
"All my trades are in profit. I'm having a great time. Ethereum, Solana, XRP, even Tron—everything’s moving." — Craig Cobb
Craig Cobb jumped on the podcast today to break down what he’s seeing in the market—and it’s bullish. While Bitcoin has consolidated this past week, altcoins have soared. According to Craig, Total 2 (crypto market cap excluding Bitcoin) jumped 15% last week. That’s a strong signal for altcoins.
He walked us through several of his trades—CAT, CAS, RSR, and others—all showing clean cradles and trend signals. He emphasized using Total 2 and Bitcoin dominance as macro indicators and pointed out Ethereum’s breakout above $3,800 as a signal that DeFi and alt narratives are heating up.
His final message: if you're thinking about trading, stop thinking and start doing. His Discord is live, and the education is hands-on.
"Do I vouch for Craig Cobb? I do. I've known him for a long time, and he’s consistent. He trades trends. If you're looking to learn, go check out his Discord." — Matt
My Take
I said it on the show and I’ll double down here: this wave of regulation is going to benefit traditional companies far more than tokens. Ripple, Circle, and even banks like Chase are going to capitalize on these laws by cutting costs and integrating AI into their operations. That’s where the money is.
On the technical side, Craig Cobb nailed it—alt season is here. Bitcoin’s sideways chop isn’t a problem. It’s the calm while the rest of the market explodes. If you’re in ETH, SOL, DOGE, ADA—chances are you’re feeling the heat. And I don’t see it slowing down this week.
Crypto Prices
As of 9:31 AM ET:
Bitcoin: $118,401
Ethereum: $3,794
XRP: $3.52
Tether: Market Cap $160B+
Binance: $772
Solana: $191
Dogecoin: $0.271
Cardano: $0.918
Tron: $0.314
Pudgy Penguins: $0.037 (up 22% in 24h)
Market Caps:
Total Market Cap: $3.94 Trillion
Bitcoin Market Cap: $2.35 Trillion
Ethereum Market Cap: $458 Billion
Happy HODLing, Everyone.
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