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The cryptocurrency market on January 29, 2026, is marked by a flurry of regulatory activity, significant technological advancements, and varied asset performance, painting a dynamic picture for investors and enthusiasts alike.
Regulatory Landscape Takes Center Stage
Today, the focus intensifies on the regulatory front with key developments in the United States and the United Kingdom. The U.S. Senate Committee on Agriculture, Nutrition, and Forestry has rescheduled its highly anticipated markup session for the crypto market structure bill to January 29. This move signals renewed bipartisan momentum and could pave the way for clearer definitions of jurisdiction between the Commodity Futures Trading Commission (CFTC) and the Securities and Exchange Commission (SEC), potentially unlocking substantial institutional investment. Concurrently, the SEC and CFTC are holding a joint public meeting to discuss coordinating regulatory efforts within the crypto sector. This collaboration aims to establish a unified regulatory framework, solidifying the U.S.'s position as a leader in digital assets.
Across the Atlantic, the United Kingdom has ushered in new tax rules for crypto assets, with the Reporting Cryptoasset Service Providers (Due Diligence and Reporting Requirements) Regulations 2025 coming into effect on January 1, 2026. These regulations mandate crypto service providers to conduct thorough due diligence and collect comprehensive transaction data. Meanwhile, a report from Standard Chartered has issued a cautionary note, estimating that stablecoins could divert approximately $500 billion from U.S. banks by 2028, a forecast that is expected to escalate discussions around digital asset regulation.
Bitcoin Consolidates Amid Macroeconomic Watch
Bitcoin (BTC), the market's leading cryptocurrency, is currently navigating a period of consolidation, trading largely within the $81,000 to $95,000 range, with its price hovering around $88,000-$89,000. Despite broad dollar weakness, Bitcoin has struggled to achieve a decisive breakout, as traders remain cautious ahead of the Federal Reserve's policy meeting today. The Fed is widely expected to keep interest rates unchanged, with market participants eagerly awaiting signals regarding future rate cuts. Analysts note that futures market data suggests a potential target for Bitcoin at the $93,500 liquidity zone, driven by a concentration of leveraged short positions that could trigger a cascade of liquidations if reached. Indonesian market analysis indicates a potential for sideways movement with a mild bullish bias, with Bitcoin possibly testing resistance in the Rp1.50–1.53 billion range.
Ethereum Forges Ahead with AI Integration and Quantum Preparedness
Ethereum (ETH) is poised for a significant technological leap with the expected launch of ERC-8004 today. This new standard aims to enable trustless interaction and verification among AI agents on the Ethereum network, fostering a new era of decentralized AI applications. Beyond this, Ethereum is actively progressing in its quantum security initiatives. An estimated 20% of the necessary upgrades to enhance post-quantum security are already complete, with further collaborative discussions slated for February 2026. This proactive approach aims to future-proof the network against emerging quantum computing threats. Institutional adoption of Ethereum continues to gain momentum, with significant amounts of ETH held in corporate treasuries and its increasing role in real-world asset tokenization.
Altcoins Experience Renewed Interest
While Bitcoin consolidates, several altcoins have demonstrated impressive performance, signaling a potential rotation of capital within the market. Over the past week, tokens like Hyperliquid (HYPE), Pump.fun (PUMP), River (RIVER), and Canton have registered substantial gains, with Hyperliquid leading the charge with a 65% increase. This surge in altcoin activity has contributed to an increase in altcoin dominance. Other altcoins such as Hedera (HBAR) and USOR are also on traders' watchlists, exhibiting signs of accumulation and strong bullish momentum, respectively.
Security Concerns Highlight Ongoing Challenges
In a development underscoring persistent security challenges in the crypto space, the US Marshals Service is investigating a potential breach of government digital asset accounts. It is alleged that over $60 million was stolen in late 2025 from wallets, some of which reportedly held seized cryptocurrencies by the government. This incident highlights the critical need for robust security measures across all facets of the digital asset ecosystem.
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How are institutions and celebrities predicting Bitcoin prices in 2026?
The table below shows the price predictions for Bitcoin by relevant institutions and prominent figures at the end of 2025. All information was collected from publicly available online sources.
Optimistic views are primarily based on the Federal Reserve's interest rate cuts, increased institutional allocation, and structural buying driven by spot ETFs, with targets mostly concentrated between $150,000 and $250,000. Cautious and bearish views emphasize that slowing demand, macroeconomic tightening, or technical structural disruption could trigger a deep pullback, with scenarios potentially leading to declines to $70,000, $56,000, $25,000, or even $10,000.
Some of these institutions' and celebrities' past predictions were very close to Bitcoin's price performance, while others were quite far off. Therefore, please consider these predictions objectively in conjunction with more information.
In summary, Bitcoin's price performance in 2026 will primarily be driven by the implementation of the US National Bitcoin Strategic Reserve policy and the macro liquidity resulting from global monetary easing. Meanwhile, the market's cyclical recovery demand following the significant correction in 2025, the continued allocation of institutional funds, and global geopolitical and inflationary pressures will also be key variables influencing its price trend.
| Institution / Individual | Description | Bitcoin target price in 2026 | Outlook |
|---|---|---|---|
| Charles Hoskinson | Cardano founder | $250,000 | Very optimistic |
| Robert Kiyosaki | Rich Dad, Poor Dad author | $250,000 | Very optimistic |
| Galaxy Digital | Crypto asset management company | $250,000 | Very optimistic |
| Arthur Hayes | BitMEX co-founder | $200,000+ | Very optimistic |
| Brad Garlinghouse | Ripple CEO | $180,000 | Very optimistic |
| VanEck | Investment companies specializing in ETFs | $180,000 | Very optimistic |
| JPMorgan | A leading global financial services group | $170,000 | Very optimistic |
| Tom Lee | Fundstrat founder | $150,000–$200,000 | Very optimistic |
| Standard Chartered Bank | British International Commercial Bank | $150,000 | Optimistic |
| Bernstein Research | Wall Street investment banks | $150,000 | Optimistic |
| Bitwise | Crypto asset management company | $150,000 | Optimistic |
| Citigroup | Global financial services group | $143,000 | Optimistic |
| Grayscale | The world's largest crypto asset management company | Breaking all-time high | Optimistic |
| Jurrien Timmer | Fidelity Director of Global Macro | $75,000 | Pessimistic |
| CryptoQuant | On-chain data analytics platform | $56,000~$70,000 | Pessimistic |
| Peter Brandt | Legendary trader with over 40 years of experience | $25,000 | Very Pessimistic |
| Mike McGlone | Senior Commodity Strategist at Bloomberg Intelligence | $10,000 | Very Pessimistic |
What will the price of RAY be in 2027?
In 2027, based on a +5% annual growth rate forecast, the price of Raydium(RAY) is expected to reach $1.09; based on the predicted price for this year, the cumulative return on investment of investing and holding Raydium until the end of 2027 will reach +5%. For more details, check out the Raydium price predictions for 2026, 2027, 2030-2050.What will the price of RAY be in 2030?
About Raydium (RAY)
What Is Raydium?
Raydium is a decentralized Automated Market Maker (AMM) operating on the Solana blockchain. It stands out in the DeFi space by directly integrating with Serum, Solana's largest decentralized exchange (DEX), to facilitate its swap system. Launched in February 2021, Raydium quickly gained traction due to its unique approach to addressing common DeFi challenges, such as slow transaction speeds and high costs, particularly evident in Ethereum-based AMMs. By leveraging the Solana blockchain, Raydium offers a solution characterized by speed and affordability, making it a significant player in the burgeoning DeFi landscape.
The platform's integration with the Solana ecosystem and Serum DEX enhances its liquidity, a crucial factor for any AMM. This integration allows Raydium to access a broader range of liquidity sources, improving the trading experience for its users. The growing interest in DEXs and the AMM model, as seen in platforms like Uniswap, Aave, and SushiSwap, underscores the potential and importance of Raydium in the DeFi space.
Resources
Official Documents: https://raydium.gitbook.io/raydium/
Official Website: https://raydium.io/
How Does Raydium Work?
Raydium operates using a constant function automated 440aa635-dfbc-49cb-8c58-fe361f862700 maker (CFAMM) model, a system that maintains a constant product of the assets in its liquidity pools, regardless of trading activities. This model, combined with price data from Serum's order books, enables Raydium to offer up to 20 different price orders with minimal spreads, making transactions more cost-effective. The platform's core innovation lies in its integration of an order book within its AMM, a feature that sets it apart from traditional AMMs.
This integration with Serum's on-chain order book is mutually beneficial. Raydium's liquidity pools can feed into Serum's order book and vice versa, allowing Serum users to access Raydium's liquidity pools. This synergy creates a more efficient and fair trading environment, with Raydium strategically placing orders in Serum's backlog to ensure reliable order matching and fair asset pricing.
Furthermore, Raydium's ecosystem is bolstered by Solana's technical capabilities, offering a decentralized, liquid, and cost-effective trading experience. The platform supports various DeFi services, including yield farming, where liquidity providers are rewarded with a portion of transaction fees. Raydium AcceleRaytor serves as a launchpad for new projects within the Solana ecosystem, facilitating initial liquidity and capital accumulation for these projects.
What Is RAY Token?
RAY is the native utility token of the Raydium ecosystem. It was initially launched with a supply cap of 555 million tokens. The RAY token serves multiple purposes within the Raydium ecosystem. Holders can stake their RAY tokens to earn interest (a portion of the trading fees) and participate in the governance of the protocol, albeit in a limited capacity. The distribution of RAY tokens is carefully structured, with allocations for liquidity mining, partnerships, ecosystem development, the community, and advisors.
What Determines Raydium’s Price?
The price of Raydium (RAY), like any cryptocurrency, is influenced by a complex interplay of factors within the broader blockchain and cryptocurrency markets. A primary driver is market demand and supply dynamics, which are themselves shaped by various elements including the platform's technological advancements, adoption rates, and overall performance of the DeFi sector. As Raydium operates on the high-speed, low-cost Solana blockchain and offers unique features like integration with Serum's decentralized exchange, its appeal to users seeking efficient and cost-effective DeFi solutions can significantly impact its demand. Moreover, the success and growth of the Solana ecosystem directly influence Raydium's value, as increased adoption of Solana often leads to heightened activity and liquidity on Raydium, thereby potentially boosting its token price.
Another critical factor is investor sentiment, which can be swayed by news, technological updates, and broader market trends. For instance, positive developments in the Solana network, such as upgrades or successful partnerships, can create bullish sentiment for RAY. Conversely, issues like network outages or security breaches can lead to bearish trends. Additionally, the overall sentiment in the cryptocurrency market, influenced by macroeconomic factors, regulatory news, and performance of major cryptocurrencies like Bitcoin and Ethereum, also plays a significant role. As investors and traders in the crypto space are highly responsive to news and trends, these external factors can cause significant price fluctuations for RAY.
Lastly, Raydium's native functionalities, such as staking rewards, governance mechanisms, and its role in liquidity provision and yield farming, contribute to its intrinsic value. The utility of the RAY token within the Raydium ecosystem, including its use in governance voting and as a staking asset, adds to its demand among users who are not just investors but also active participants in the platform's DeFi offerings. As the DeFi sector continues to evolve, with increasing interest in decentralized exchanges and liquidity pools, Raydium's position as a key player in this space could further influence its price, making it a noteworthy asset in the portfolios of cryptocurrency enthusiasts and investors focused on the DeFi market.
For those interested in investing or trading Raydium, one might wonder: Where to buy RAY? You can purchase RAY on leading exchanges, such as Bitget, which offers a secure and user-friendly platform for cryptocurrency enthusiasts.
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