Beijing’s state media is rallying behind Chang’an Chain, a homegrown blockchain infrastructure hailed as a solution to China’s “root problem” of digital sovereignty.

A profile on Qianlong.com credits researcher Dong Jin and his team for building a fully open-source and state-backed blockchain stack now powering national digital projects. Though little-known outside China, Chang’an Chain has gone through 21 iterations over six years and now claims to handle over 100,000 transactions per second — a benchmark often cited by next-generation blockchains aiming to match the scale of traditional financial networks.

It is reportedly being used in China’s nationwide real estate registration system and by companies to digitize supply contracts, allowing banks to verify supplier relationships and accelerate loan approvals.

The profile comes just as Chinese tech giants lobby for the right to issue yuan-backed stablecoins in Hong Kong. But Beijing is sending a different message at home.

Notably, the Qianlong feature doesn’t mention crypto or stablecoins once. Instead, it reinforces China’s longstanding vision of blockchain as state-controlled infrastructure for trusted data exchange and not a platform for digital currencies or speculation.

While Hong Kong has rolled out maturing crypto regulations to position itself as a regional hub for digital assets, mainland China continues to ban cryptocurrency trading, mining and exchange operations. But the recent surge in global crypto markets has reignited speculation about a possible policy shift. So far, Beijing hasn’t budged.

Support for state-backed blockchains in mainland China has remained steady. In 2019, President Xi Jinping elevated blockchain to national priority status, calling it a “core breakthrough technology.” While blockchain is not listed among the seven “frontier technologies” highlighted in the 14th Five-Year Plan — which includes AI, quantum computing and brain-computer fusion — it remains a core part of China’s broader digital strategy, particularly in finance, governance and supply chains. The plan’s development period ends in December, with a final performance review to be delivered by the State Council to the National People’s Congress during the annual legislative session in March 2026.

Quantum computing, one of the prioritized frontier fields, has been identified as a potential threat to blockchain and Bitcoin security due to its ability to break cryptographic encryption.

This past week, the South China Morning Post reported that Chinese researchers have developed a blockchain storage technology that can resist quantum computer attacks

Japan’s Solana stablecoin study

Japanese digital-only bank Minna Bank has launched a joint study with Solana Japan, Fireblocks and TIS Inc. to explore the issuance of stablecoins and the integration of Web3 wallets.

The study will focus on issuing stablecoins on the Solana blockchain, with potential applications including tokenized real-world assets (RWAs) such as bonds and real estate, cross-border payments and digital wallet-based financial services.

The move aligns with global trends, particularly in the US and Europe, where institutions are exploring stablecoin regulation and RWA tokenization. Japan was among the first countries to establish a clear legal foundation for fiat-backed stablecoins through revisions to the Payment Services Act, which took effect in June 2023.

Minna Bank, which launched in 2021 and has surpassed 1.3 million accounts, aims to eventually integrate stablecoins and Web3 features into its core app as part of its Banking-as-a-Service offerings.

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North Korean defectors falling for crypto scams

South Korean police are investigating a suspected cryptocurrency investment scam that allegedly targeted North Korean defectors.

According to a local media report that cited police sources, 21 complaints were filed from July 4 to July 8 against an unnamed suspect.

The suspect reportedly operated an office in Siheung, a satellite city of Seoul, where he solicited investments into crypto products via a specific platform. Investors say their transferred funds were converted and deposited into platform accounts. Using a mobile app, victims believed they were investing those funds into crypto products.

However, the app suddenly stopped functioning earlier this month, leaving users unable to withdraw their money. The total losses claimed so far amount to approximately 1 billion Korean won (around $720,000).

Some complainants said the suspect introduced themself as a North Korean defector and persuaded other defectors and acquaintances to join the scheme. Others alleged that the suspect was not the mastermind but one of several operatives in different cities and earned commissions by recruiting new members.

Victims believe many others have yet to come forward, suggesting the actual losses could be higher.

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Indonesia’s licensed exchange lists for public trading

Indokripto Koin Semesta has become the first Indonesian crypto exchange operator to go public, listing on the Indonesia Stock Exchange under the ticker COIN, the same symbol used by Coinbase on the Nasdaq.

Shares jumped 35% on their July 9 debut.

Indokripto is the parent company of Central Financial, a licensed crypto exchange, and Kustodin Koin Indonesia, a digital asset custodian.

While often overlooked in global discussions, Indonesia plays a major role in crypto adoption. In 2024, it ranked third in Chainalysis’ Global Crypto Adoption Index and first in DeFi value received.

Earlier this year, Indonesia appointed the Financial Services Authority (OJK) as the official regulator for crypto assets. So far, only one exchange — under the Indokripto umbrella — has received a crypto license.

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Yohan Yun

Yohan Yun is a multimedia journalist covering blockchain since 2017. He has contributed to crypto media outlet Forkast as an editor and has covered Asian tech stories as an assistant reporter for Bloomberg BNA and Forbes. He spends his free time cooking, and experimenting with new recipes.

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Update July 14, 9:33 a.m. UTC: This article has been updated to include quotes from Brickken’s market analyst.

Bitcoin has become the world’s fifth-largest asset, overtaking Amazon by market capitalization.

Bitcoin (BTC) price rose to a new all-time high of $122,600 on Monday and has soared nearly 13% over the past week, as Cointelegraph reported.

These gains allowed Bitcoin to surpass a $2.4 trillion market capitalization, overtaking Amazon’s $2.3 trillion, Silver’s $2.2 trillion and Alphabet’s (Google) $2.19 trillion, Companiesmarketcap data shows.

This means Bitcoin’s market cap was only $730 million shy of tech giant Apple, at the time of writing.

The development signals Bitcoin’s growing presence in the global financial system, according to Enmanuel Cardozo, market analyst at real-world asset tokenization platform Brickken. He told Cointelegraph:

“With institutional giants like BlackRock and MicroStrategy’s treasury continually increasing, the legitimacy of Bitcoin as an investable asset class is no longer in question, with regulatory momentum also shifting.”

Continued institutional accumulation and the “supportive macro environment may also help Bitcoin surpass Apple’s valuation, which would imply a Bitcoin price of over $142,000, Cardozo said.

Investors aren’t just setting their sights on Apple; exceeding Microsoft’s market cap is also in the crosshairs. This would imply a $167,000 Bitcoin price, which “isn’t outside the realm of possibility, considering the massive demand coming from spot Bitcoin ETFs,” he added.

Bitcoin’s new record high comes amid a period of growing institutional adoption, which has seen corporate Bitcoin holding companies double since June 5. Over 265 companies are now holding Bitcoin on their balance sheets, up from 124 just weeks ago.

A total of 3.5 million Bitcoin is held in company treasuries, with 853,000 BTC, or 4% of the total supply, in public company treasuries, and over 1.4 million BTC, or 6.6% of the supply, through spot Bitcoin exchange-traded funds (ETFs).

Related: Trump administration mulls ‘debanking’ executive order: WSJ

Bitcoin ETF buying spree bolsters BTC momentum

US spot Bitcoin ETFs ended last week’s trading session with a seven-day buying streak, adding significant liquidity for Bitcoin’s price momentum.

Spot Bitcoin ETFs amassed over $1 billion worth of net positive inflows on Friday, marking a seventh consecutive day of investments, Farside Investors data shows.

The inflows from the spot Bitcoin ETFs have been a significant catalyst for Bitcoin’s rise to new highs.

In February 2024, the ETFs accounted for 75% of new investments into Bitcoin over a two-week period. This activity helped propel BTC price above $50,000.

Related: Multibillion-dollar HODL: Bitcoin whales awaken after 14 years

Bitcoin’s price may also be benefiting from heightened interest due to an event dubbed by the US government as “Crypto Week.” Lawmakers are seeking to pass three key cryptocurrency bills that are expected to bolster the national crypto industry: the Guiding and Establishing National Innovation for US Stablecoins, or GENIUS Act, the Digital Asset Market Clarity Act (CLARITY Act) and the Anti-CBDC Surveillance State Act, which seeks to prevent the creation of a central bank digital currency (CBDC).

Magazine: Bitcoin as corporate treasury: Why Meta, Amazon and Microsoft all said no

Welcome to Trade Secrets — Bitcoin and Ethereum price predictions from top analysts, along with options data, sentiment analysis and prediction markets to determine what they can tell us about the months and years ahead.

Ether a ‘top conviction pick’ that’s set to go on mammoth 160% rally

Ether will skyrocket 160% from its current price of $2,570 before the end of this year, predicts crypto yield generation firm Tesseract CEO James Harris. 

“We forecast ETH at $6,500 by end-2025, assuming continued growth in ETH staking participation, higher gas consumption from layer 2 applications, and no significant regulatory headwinds specific to Ethereum,” Harris tells Magazine. “Ethereum is one of our top conviction picks among large-caps.” 

Harris points to the over $1 billion in inflows to spot Ether exchange-traded funds in the United States in June and the recent hard fork as bullish factors. “The Pectra upgrade has improved layer 2 scaling solutions, fueling ecosystem growth,” he said.

“With healthy institutional inflows and status as the most staked and utilised digital asset, Ethereum is on track for a run in H2.”

But 10x Research’s Markus Thielen offers a more sobering assessment.

“At 10x Research, we hold a moderately bullish outlook for crypto this month, driven largely by strong post-July 4 seasonality that could lift Ethereum toward $2,800 in the short term,” Thielen tells Magazine.

“However, we believe the ongoing lack of user activity remains a structural overhang for ETH, and the case for treasury adoption is far weaker than it is for Bitcoin,” he says.

As a result, his outlook is bearish for the remainder of the year. “We’ve maintained a bearish stance on Ethereum for over a year and continue to do so, setting a year-end target of $2,300,” he says.

“That said, potential developments in stablecoin adoption — particularly if they leverage Ethereum’s infrastructure — could shift the narrative. For now, however, we continue to favor Bitcoin as the higher-conviction play,” he says.

‘Strong sense’ Bitcoin will reach new ATH before July close

Unity Wallet chief operating officer James Toledano tells Magazine he’s got a gut feeling that Bitcoin will smash through its current all-time high of $111,970 by the end of the month. (Prediction markets agree, but options data suggests otherwise, see below).

“My strong sense, and that is all it is, based on current momentum, is that Bitcoin has the potential to reach a new all-time high by the end of July,” Toledano tells Magazine.

“If macroeconomic factors improve, equities continue to rise, and geopolitical tension abates, it is possible that it could pass $120K in July. But this is very optimistic,” he says.

Breaking the ATH requires a relatively small move, but a surge to $120,000 requires an 11.15% increase from Bitcoin’s price of $108,190 at the time of publication.

Toledano points to the nearly $5 billion in net inflows into US spot Bitcoin ETFs over the past 15 trading days as a sign of strong institutional momentum — and a key signal of potential upward price movement in the near term.

Bitcoin’s ability to hold “firm and steady” amid the brief war between Israel and Iran is another promising sign.

However, crypto trader Daan Crypto Trades warns that Bitcoin needs to keep its momentum as it approaches its all-time high, as a drop back below $108,000 could trigger a bearish downtrend.

“You don’t want to see this deviate back below $108K again at this point,” Daan said.

Dogecoin lacks ‘bullish environment,’ 50% drop possible

Dr. Sean Dawson, head of research at onchain options protocol Derive, sees a gloomy outlook for Dogecoin in the coming weeks, the ninth-largest cryptocurrency by market capitalization.

“Short term, I am quite bearish,” he tells Magazine. While he had initially warned of a “violent week of volatility” tied to former US President Donald Trump’s looming tariff deadline, the extension to August hasn’t changed his broader outlook.

“Memecoins like Dogecoin, which thrive on speculative optimism, tend to underperform in environments dominated by macroeconomic uncertainty.”

He says his Dogecoin outlook is further clouded by persistent inflation concerns and fading hopes for a Federal Reserve rate cut this month, with odds sitting at around 5%.

“Assets like DOGE historically rip up during times of low rates, so muted projections on this front do not bode well for this asset,” he says.

Dawson also points to mounting signs of fear in the options market for Dogecoin. 

“Implied options markets on DOGE are signalling significantly bearish sentiment,” he says.

“Put prices are significantly higher than calls, indicating that traders are willing to pay high prices to insure their DOGE holdings, signalling significant fear and uncertainty ahead,” he adds.

Making matters worse, retail interest is drying up. “Interest on Google search is down significantly since the last peak in February this year,” he says. “Since there is a strong relationship between interest and price appreciation on DOGE, the current levels of awareness do not suggest a bullish environment,” he adds.

Dawson believes it is likely Dogecoin will stay “under pressure” or trend sideways throughout July. He says a retracement toward $0.085 is still on the table — a roughly 50% drop from its current price of $0.17 at the time of publication.

However, he says Dogecoin may ride a “wave back into speculative favor.” 

“Historical cycles suggest DOGE tends to lag behind BTC/ETH rallies, but can spike violently once meme momentum returns,” he explains.

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What the derivatives markets are saying about Bitcoin and Ethereum

Onchain options protocol Derive founder Nick Forster tells Magazine that futures traders are pricing in a 40% chance of Bitcoin topping its $111,970 all-time high by the end of July. “Traders are levering up expecting BTC to reach new highs,” Forster says.

There is a 15% chance that Bitcoin keeps surging and taps $115,000 by the end of July.

There’s a 13% chance Bitcoin will drop below $100,000 before the month-end. Forster says this could become more probable if geopolitical tensions flare up again in the Middle East or if the FOMC raises interest rates in July. “But these seem quite unlikely at this stage,” Forster says.

As for Ether, future traders are pricing in a 12% chance of Ether topping $3,000 by the end of July. There is a 35% chance that Ether settles above $2,700 by the end of July.

There’s also a 10% chance Bitcoin surpasses $140,000 by the end of September and 12% chance Ether surpasses $3,500 by the end of September.

Santiment data: Bitcoin sentiment reaching ‘euphoric levels’

Santiment analyst Brian Q says Bitcoin crowd sentiment is reaching “euphoric levels” — a signal that could spell trouble ahead.

“Social media sentiment for Bitcoin is overwhelmingly bullish,” he says, noting that positive Bitcoin social media commentary has hit a four-week high. 

History suggests caution at these levels as bullishness is often followed by short-term price corrections when “FOMOers get punished.” 

“Be wary when crowd sentiment becomes euphoric,” he says. “Extreme greed is often a signal to become more defensive.” 

Counterintuitively, the more muted sentiment around Solana offers opportunities.

“This lack of hype suggests it’s flying under the radar and may have room to run without the weight of crowd expectation, making it a potential ‘sneaky pick’ for a rally,” he says. 

Solana is trading at $152 at the time of publication, down 48% from its January peak of $293.

Q says, “A fundamentally strong project with quiet social media channels can be an excellent opportunity to enter a position before widespread FOMO begins,” he adds.

What the prediction markets are saying

Prediction markets suggest Bitcoin will likely hit new highs this month, but confidence continues to dwindle for year-end bets on Solana, XRP and Ethereum.

Bitcoin has a 69% chance of breaking its current all-time high of $111,970 by July 31, according to crypto prediction platform Polymarket.

But Polymarket’s odds of other major cryptocurrencies reaching new all-time highs by the end of the year have declined since the June Trade Secrets Column.

Solana now has just a 22% chance of surpassing its previous peak of $293 by the end of 2025, down 5% from its odds last month, despite its price slightly rising 2.53% over the period.

XRP’s odds of hitting a new all-time high by year-end have also slipped 13% this month, down to 25%. XRP has yet to top its 2018 high of $3.40 and saw a 4.61% price increase over the past month.

Ethereum has 22% odds of breaking its all-time high of $4,878 this year, down 2% from its odds last month

Type of Lawyer	What They Do
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Family Lawyer	Handles divorce, child custody, adoption, and related matters
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🎓 Other Specializations (Less Common but Important):

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If you’re curious about becoming a lawyer or need one for a specific issue, I can help you narrow it down based on your situation.

Insurance is a financial agreement that helps protect you from unexpected losses or expenses. You pay a company (called an insurer) a regular amount of money (called a premium), and in return, the insurer promises to pay for certain costs if something goes wrong — like an accident, theft, illness, or damage.

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🛡️ Simple Definition:

Insurance is a way to manage risk. It protects you from large financial losses by sharing that risk with a company.

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🔄 How It Works:

1. You buy insurance and pay a premium (monthly, yearly, etc.).
2. If something bad happens (like a car crash or house fire), you file a claim.
3. The insurance company reviews your claim.
4. If approved, they pay you or a service provider to cover the damage or loss, based on the policy rules.

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🧾 Key Terms:

Term	Meaning
Premium	The amount you pay for insurance (monthly, yearly, etc.)
Policy	The contract that explains what is covered and what isn’t
Claim	A request you make for payment after a loss
Deductible	The amount you pay out of pocket before insurance pays
Coverage	The specific protections the insurance provides

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📦 Types of Insurance:

• Car insurance – protects you and your vehicle
• Health insurance – covers medical expenses
• Home insurance – protects your house and belongings
• Life insurance – pays your family money if you die
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Would you like an example to help understand it better?

🚗 How to Get Car Insurance

1. Gather Information

You’ll need:

• Driver’s license(s)
• Vehicle info (make, model, VIN)
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2. Decide What Coverage You Need

Use the types of insurance listed below to help you choose.

3. Shop Around

• Compare quotes online (e.g., Geico, Progressive, State Farm, etc.)
• Use comparison sites (e.g., The Zebra, NerdWallet, Compare.com)
• Speak to insurance agents for tailored advice

4. Apply for a Policy

Choose your insurer, finalize details, and apply.

5. Review and Sign

Read your policy terms carefully. Once signed, you’ll receive proof of insurance.

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🛡️ Types of Car Insurance

Type	What It Covers	Required?
Liability Insurance	Injuries or property damage you cause to others	Yes (in most states/countries)
Collision Insurance	Damage to your own car from a collision (regardless of fault)	Optional
Comprehensive Insurance	Non-collision damage (theft, fire, natural disasters, vandalism)	Optional
Uninsured/Underinsured Motorist (UM/UIM)	Costs if you’re hit by a driver with little or no insurance	Required in some places
Medical Payments (MedPay) / Personal Injury Protection (PIP)	Your medical expenses after an accident	Required in some states
Gap Insurance	Covers the difference between what you owe on your car loan and the car’s current value if totaled	Optional (useful for new cars)
Roadside Assistance / Towing	Services like towing, battery jump, flat tire help	Optional add-on

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🔍 Tips:

• State laws vary: Always check local requirements.
• Full coverage usually means liability + collision + comprehensive.
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Would you like help comparing insurance quotes or choosing a type based on your car and budget?

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Introduction

Insurance is one of the most important tools for managing risk in today’s uncertain world. Whether you’re an individual, a family, or a business, insurance helps protect against financial losses caused by unexpected events like accidents, illness, natural disasters, or death. But despite its importance, many people don’t fully understand what insurance is or how it works. This article breaks down the basics of insurance, explores its various types, and highlights why having insurance is essential.

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What Is Insurance?

At its core, insurance is a contract (often called a policy) between an individual or entity and an insurance company. The individual (called the policyholder) pays a regular amount of money (called a premium) to the insurance company. In return, the insurance company agrees to cover certain risks and provide financial compensation if a covered event occurs.

The primary purpose of insurance is to provide financial protection against unpredictable losses. It works on the principle of risk pooling, where many people pay into a fund, and those who suffer losses are compensated from that pool.

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Types of Insurance

There are many types of insurance available, depending on what kind of protection you need. The most common types include:

1. Life Insurance

Life insurance provides a payout to beneficiaries (such as family members) in the event of the policyholder’s death. It helps cover funeral costs, debts, or provide long-term financial support.

• Term life insurance offers coverage for a specific period.
• Whole life insurance provides lifelong coverage and may include an investment component.

2. Health Insurance

Health insurance helps cover the cost of medical expenses such as doctor visits, hospital stays, surgeries, and medications. With rising healthcare costs, this type of insurance is critical for protecting against financial ruin from medical emergencies.

3. Auto Insurance

Auto insurance provides financial protection in case of car accidents, theft, or damage. It often includes liability coverage, which pays for injuries or damages you cause to others, as well as coverage for your own vehicle.

4. Homeowners or Property Insurance

This type of insurance covers damage to your home or property caused by fire, theft, natural disasters, and other risks. It may also include liability protection if someone is injured on your property.

5. Travel Insurance

Travel insurance covers risks associated with traveling, such as trip cancellations, lost luggage, or medical emergencies abroad.

6. Business Insurance

Business insurance protects companies from financial losses due to property damage, lawsuits, worker injuries, or interruption of operations. It can include general liability insurance, professional indemnity, and product liability insurance.

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Importance of Insurance

Having the right insurance is crucial for several reasons:

• Financial Security: Insurance cushions you from unexpected expenses that could otherwise deplete your savings or push you into debt.
• Peace of Mind: Knowing you are protected allows you to live and work with confidence.
• Legal Requirement: In many countries, certain types of insurance, like car or employer liability insurance, are mandatory by law.
• Support for Families and Businesses: Insurance can replace lost income, cover business interruptions, and protect dependents in case of the unexpected.

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Key Considerations When Buying Insurance

Before purchasing any insurance policy, consider the following:

1. Coverage Needs: Understand what you need protection for and what level of coverage is appropriate.
2. Policy Terms: Always read the fine print. Know what is covered, what is excluded, and what the claims process involves.
3. Premium vs. Deductible: A lower premium may mean a higher deductible and vice versa. Balance your ability to pay now vs. later.
4. Reputation of Insurer: Choose a licensed insurance company with good customer service and a strong claims-paying record.
5. Review Regularly: Your insurance needs may change over time (e.g., marriage, buying a home, starting a business), so review and update your policies regularly.

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Conclusion

Insurance is not just a safety net — it is a fundamental part of responsible financial planning. Whether you’re protecting your health, your home, your car, or your loved ones, the right insurance policy can make a critical difference when life takes an unexpected turn. Take the time to understand your options, compare providers, and invest in policies that meet your specific needs. In the long run, insurance isn’t just an expense — it’s an investment in peace of mind.

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