How to Open a Standby Crypto Credit Line with No Fees on Clapp

  vor 2 Tagen

When markets turn volatile, selling crypto to access cash often means locking in losses. For long-term holders and active traders alike, a standby crypto credit line offers a more efficient alternative: liquidity on demand, backed by crypto, without giving up market exposure. Clapp offers one of the more straightforward implementations of this model. Its credit line combines low borrowing costs, flexible usage, and a no-fee structure for deposits, making it suitable for users who want control rather than rigid loan terms. This article explains how Clapp’s standby crypto credit line works and how to open one step by step. What Is a Standby Crypto Credit Line? A standby crypto credit line is a pre-approved borrowing facility backed by crypto collateral. Instead of receiving a lump-sum loan upfront, you receive a credit limit and draw funds only when needed. The key difference from a standard crypto-backed loan is efficiency: No interest on unused capital No fixed repayment schedule Capital remains available at all times This structure is closer to a revolving credit line than a traditional loan. Why Investors Choose a Credit Line Over a Crypto Loan Conventional crypto loans are simple but inefficient. You lock collateral, receive a fixed amount, and start paying interest immediately on the full balance—even if you only need part of it. This creates two common problems: You pay interest on funds you do not use You lose flexibility once market conditions change Clapp’s model removes these frictions by allowing users to borrow incrementally and repay on their own timeline. How Clapp’s Standby Crypto Credit Line Works Clapp uses a revolving credit structure backed by crypto collateral. The mechanics are simple: You deposit crypto as collateral Clapp assigns a credit limit based on LTV You withdraw funds only when needed Interest applies only to the amount used Repayments instantly restore available credit Unused credit carries 0% APR. Example:If your credit limit is $10,000 and you withdraw $500, interest accrues only on the $500. The remaining $9,500 stays available at no cost. No Repayment Schedule, No Penalties, Multi-Collateral Support Clapp does not impose fixed repayment dates, minimum monthly payments, and early repayment penalties. You can repay partially, fully, or leave the balance open until it fits your strategy. This is particularly useful for users managing liquidity across multiple market cycles rather than short-term cash needs. One of Clapp’s core advantages is its multi-collateral system. Users can combine up to 19 different cryptocurrencies into a single collateral pool. This allows you to: Increase your credit limit without concentrating risk Use diversified portfolios more efficiently Avoid over-reliance on a single asset like BTC or ETH BTC, ETH, SOL, and other supported assets can be combined freely. For diversified holders, this often results in better capital efficiency than single-asset lending platforms. Instant Access Through the Clapp Wallet Once your credit line is active, all actions are managed through the Clapp Wallet: Withdraw USDT, USDC, or EUR instantly Monitor LTV and collateral health in real time Reclaim collateral after repayment Access is available 24/7, without manual approvals or operational delays. This makes the credit line usable not only as a loan alternative, but also as a liquidity buffer during fast market moves. How to Open a Standby Crypto Credit Line on Clapp The process is straightforward: Create a Clapp account Deposit supported crypto assets Receive a credit limit based on your collateral Withdraw funds when needed Repay on your own schedule There are no application fees, no deposit fees, and no obligation to borrow once the credit line is open. For both long-term holders and active market participants, Clapp offers a practical way to access capital while keeping control over assets and timing. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.

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Ripple Price Outlook: XRP Stays Below $2, Technicals Signal More Downside

  vor 2 Tagen

Ripple’s XRP remains under pressure after failing to reclaim the $2 level, with recent price action reinforcing a bearish short-term structure. A rejection near a key Fibonacci level and weakening momentum indicators suggest downside risks remain in play unless buyers regain control quickly. Powered by Outset PR , this analysis reflects the agency’s commitment to strategic, data-backed communication for the crypto industry. XRP Rejected at Key Fibonacci Resistance XRP recently attempted a recovery move but was rejected at the 78.6% Fibonacci retracement near $1.95. This level has proven decisive, triggering renewed selling pressure and pushing the price back below the 7-day simple moving average at $1.89. Source: coinmarketcap The $1.88–$1.95 range has now flipped into a resistance zone, limiting upside attempts. As long as XRP trades below this area, bullish momentum remains constrained. Momentum Indicators Point to Weakness Momentum signals are aligning with the bearish price structure. The MACD histogram has turned negative at -0.0004, indicating fading upside momentum and increasing bearish pressure. This shift suggests that recent recovery attempts lack strength. The Relative Strength Index currently stands at 41.55, placing XRP in neutral territory. While this leaves room for either direction, it does not yet signal oversold conditions that would typically support a strong rebound. How Outset PR Leverages Data-Driven Approach in Crypto PR Outset PR connects market events with meaningful storytelling through a data-driven methodology rarely seen in the crypto communications space. Founded by PR strategist Mike Ermolaev, the agency approaches each campaign like a hands-on workshop—building narratives that align with market momentum instead of relying on generic coverage or templated outreach. Beyond just monitoring on-chain flows, Outset PR monitors the media trendlines and traffic distribution through the lens of its proprietary Outset Data Pulse intelligence to determine when a client’s message will achieve the highest lift. This analysis informs the choice of media outlets, the angle of each pitch, and the timing of publication. A key part of the agency’s workflow comes from its proprietary Syndication Map , an internal analytics system that identifies which publications deliver the strongest downstream syndication across aggregators such as CoinMarketCap and Binance Square. Because of this approach, Outset PR campaigns frequently achieve visibility several times higher than their initial placements. Outset PR ensures that each campaign is market-fit and tailored to deliver maximum relevance at the moment the audience is most receptive. Downside Levels to Watch If bulls fail to reclaim the $1.95 level, XRP risks a deeper pullback. The next notable support lies near $1.77, corresponding with the December 22 swing low. A breakdown toward this level would confirm continuation of the current bearish trend. On the upside, a decisive move above $1.95 would be required to invalidate the bearish setup and reopen the path toward the $2 mark. Until then, technicals favor caution. XRP Price Outlook XRP remains capped below key resistance, with short-term indicators signaling weakening momentum. Unless buyers can push the price back above $1.95, the market structure suggests further downside risk, with $1.77 emerging as the next critical support zone. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.

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US stocks wobbly at open as GDP surprise dampens Fed rate cut hopes

  vor 2 Tagen

US stocks were wobbly at market open on Tuesday after delayed economic data showed the American economy grew far faster than previously estimated, prompting investors to reassess expectations for future interest-rate cuts. The Dow Jones Industrial Average slipped 53 points, or about 0.1%, while the S&P 500 and Nasdaq Composite hovered around the flatline, reflecting a cautious response to the stronger-than-expected data. GDP surprise alters market tone The Commerce Department reported that the US economy expanded at a 4.3% annualised pace in the third quarter, sharply above the 3.2% estimate forecast by economists polled by Dow Jones. The report had originally been scheduled for release on October 30 but was delayed due to the record-breaking US government shutdown. It also replaced a second estimate that had been set for release in late November, with one final revision still due from the Bureau of Economic Analysis. The upside surprise in growth appeared to unsettle investors who had been positioning for further monetary easing. Following the data release, fed funds futures traders slightly increased bets that the Federal Reserve would keep interest rates unchanged at its January and March meetings, according to the CME FedWatch Tool. The shift reflected growing scepticism that policymakers will move quickly to cut rates in early 2026 if economic momentum remains firm. Spending and government activity drive growth Details of the report showed that consumer spending expanded by 3.5% in the third quarter, accelerating from a 2.5% increase in the previous period. Increases in exports and government spending also contributed to the stronger growth outcome, while a smaller-than-expected decline in private fixed investment helped support overall output. A closely watched measure known as real final sales to private domestic purchasers — which strips out inventories, trade and government spending — rose 3% during the quarter, up 0.1 percentage point from the prior period. Federal Reserve officials monitor this figure for insight into underlying consumer demand, and the increase suggested household activity remained resilient despite tighter financial conditions. Markets digest recent gains Tuesday’s muted trading followed a strong prior session, when the S&P 500 logged its third straight gain. The index was lifted by a 1.5% jump in Nvidia and advances in Micron Technology and Oracle. Ten of the S&P 500’s 11 sectors closed higher, led by materials and financials. In that session, materials stocks benefited from record gold and silver futures prices, with Newmont and Freeport-McMoRan each rising about 3%. The Dow gained roughly 228 points, or 0.5%, while the Nasdaq Composite advanced 0.5%. Trading volumes are expected to thin as markets head into the holiday period. The New York Stock Exchange will close early on Wednesday at 1 p.m. ET for Christmas Eve and remain closed on Thursday for Christmas Day. With fewer catalysts on the immediate calendar, investors are likely to continue parsing economic data for clues on how long the Federal Reserve can maintain restrictive policy. Tuesday’s GDP surprise reinforced the view that the US economy is still moving forward at a solid pace, complicating the outlook for rate cuts even as inflation remains stubbornly above target. The post US stocks wobbly at open as GDP surprise dampens Fed rate cut hopes appeared first on Invezz

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Grayscale Zcash Trust: A 20% ETF Conversion Arb Opportunity

  vor 2 Tagen

Summary Zcash has pulled back more than 50% from its $700+ highs earlier in Q4. Despite this pullback in price, shielded ZEC supply is still near all time highs, nodes are up, and MVRV is still showing strength above 1. ZCSH trades at almost a 20% discount to the underlying ZEC held by the fund. Given Grayscale's intention to convert the fund to a spot ETF, this is an interesting arbitrage opportunity with a digital asset friendly administration. Back in October, I wrote about the Grayscale Zcash Trust ( ZCSH ) when the price of the underlying token had rallied 300% since the start of the year. It was my first time covering the fund in over two years as speculator interest in Zcash ( ZEC-USD ) had dramatically declined following a block space spam attack that badly damaged sentiment, in my view. I detailed that episode here . With the spam attack in the rear-view mirror and the token pulling back nearly 60% from recent highs, is it time for those who have been on the sidelines to entertain taking a stab at ZEC? Zcash Price Drivers To briefly recap, Zcash is a privacy-focused protocol that offers opt-in transparency. While this might make ZEC less desired for cryptocurrency advocates who value privacy-only protocols, I've long felt that optional transparency is a pragmatic approach that grants holders privacy capability without harming exchange presence. The latter of which is necessary for accessibility. Still, the more ZEC that is 'shielded' the better the privacy strength of the protocol itself. My view is the biggest catalyst supporting the recent move in the price of ZEC is the surge in shielded ZEC supply. Shielded ZEC (BlockChair) After briefly surpassing 5 million shielded ZEC, we have seen that level dip down slightly back to 4.8 million shielded ZEC between November and October. Still, there is no doubt 2025 has been a dramatically positive year for the network. Shielded supply has grown by 172% year-over-year as of December 15th and now accounts for nearly 30% of total ZEC supply. Zcash Nodes (ZECHub) Another positive sign is the growth in nodes. This time last year, there were less than 100 total nodes verifying the network. That number is no larger than 200. This is admittedly far lower than a network like Bitcoin ( BTC-USD ) which boasts tens of thousands of nodes. But it is a clear indication of 'adoption' growth. Something that has not necessarily held the highs from November is transactions entering the mempool: Zcash Tx per Sec in Mempool (BlockChair) After Spiking to an all time high on November 13th, Zcash transactions per second have been slowly falling back toward long term averages. But even with the retreat in realized TPS, the fundamentals for Zcash paint an improving picture. Nodes are up. Shielded ZEC is holding firm. And the activity on the chain over the last three months has been better than any other point going back to 2022. And then beyond the harder data, there has clearly been a broader acceptance of Zcash as an idea online. Grayscale ZCash Trust Discount From where I sit, the better trading opportunity today might be with ZCSH shares over direct ZEC exposure given the discount relative to the underlying value of the fund: Grayscale Zcash NAV Discount Calculation ZCSH Price $29.21 ZEC Price $444 ZEC Per Share 0.08155342 ZCSH Value $36.21 ZCSH P/D Rate -19.33% Source: Grayscale, as of 12/19 At a ZEC price of $444 and a market value of $29.21, fund shares closed Friday December 19th at nearly a 20% discount to net asset value. Like many closed-end Grayscale funds, ZCSH has a history of occasionally deviating from its NAV quite substantially. However it should be noted that the fund performed roughly in line with NAV during most of the run up in October. ZCSH NAV vs Market (Grayscale) It wasn't until the early-November top was in that ZCSH shares started to dramatically under-perform ZEC itself. With the current administration being so much more open to digital asset ETFs than the last one, Grayscale has already filed to convert ZCSH to a spot ETF. Given the fact the SEC has already started to approved spot ETFs for assets further down the market ranking than just Bitcoin ( BTC-USD ) and Ethereum ( ETH-USD ), I wouldn't rule out an approval for ZCSH conversion. I actually think 20% is a good enough potential arbitrage to keep some ZCSH on the side while you wait for the gap to close. Risks Short of shielded ZEC outflow or a collapse in nodes, I suspect the worst is likely over in this pullback. But there is certainly the possibility that ZEC may continue to trend lower over the coming weeks/months if we don't get a broad rally in risk markets. ZEC MVRV (CoinMetrics) ZEC's MVRV ratio has come all the way back from 2+ to just 1.3. Importantly, even during the steep pullback from over $700, MVRV never went back below 1. It's entirely possible that it does dip back below 1 in a broader market shakeout. It would be an interesting test of Zcash 'diamond hand' resilience if that were to happen. And it would be worth keeping an eye on the shielded supply in the event MVRV goes back below 1. If shielded supply does decline, it could be an indication of holders cutting losses and leaving. Shielded supply increasing with a sub-1 MVRV would indicate accumulation and be bullish, in my view. Closing Summary Zcash has been one of the fastest horses in the digital asset space over the last several months. The coin itself has had a stellar 2025 return. The clearest risk I see in playing ZCSH for the price arbitrage is that the underlying value of the fund could continue to erode if the price of ZEC continues lower. However, after a 50% reversal from the highs, I expect the coin to find its footing in the $400-$500 range. I think taking even a small stab at ZCSH at 20% discount is compelling. If ZEC goes up, ZCSH should as well. If ZEC stays flat, there is still a potential 20% take on spot conversion potential. Of course, the discount could widen. But I think sentiment on Zcash has improved enough to warrant the speculative flier. I'm going to upgrade ZCSH back to a 'buy.'

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Ripple (XRP) News Today: December 23

  vor 2 Tagen

In the following lines, we will explore the latest partnership expansions by Ripple, and we will take a look at the growing inflows into the spot XRP ETFs. We will also touch upon the asset’s price performance, which has been rather underwhelming as of late. XRP Healthcare and TJM News At the end of the previous business week, Ripple outlined the expansion of its partnership with TJM Investments, a FINRA-regulated broker-dealer, and TJM Institutional Services, an NFA-registered introducing broker (TJM). The new deal would allow TJM to offer its clients improved capital and collateral efficiency as well as enhanced clearing stability and balance-sheet support via Ripple Price – the newly rebranded multi-asset prime brokerage platform. “We are pleased to deepen our partnership with TJM, which reflects the shared vision and trust the principals of our businesses have cultivated for over a quarter-century,” commented Noel Kimmel, President of Ripple Prime. Separately, XRP Healthcare, a Web3 company building a blockchain-based healthcare payment platform on the XRP Ledger, announced securing a global trademark protection across healthcare services, digital health technology, and payment-related infrastructure in several global jurisdictions. The trademark is now registered in the US under Classes 9 and 44, with established registrations in the UK, EU, UAE, and Uganda. XRP Healthcare also said it’s working on receiving the green light in other jurisdictions. Thirdly, Upshift, Clearstar, and Flare announced in a press release shared with CryptoPotato that they have jointly launched earnXRP, a new XRP-denominated yield vault designed to make earning on-chain XRP yield simpler, more transparent, and more accessible. This will allow token holders to generate yield directly denominated in XRP, without managing complex DeFi strategies themselves. Ripple ETF Streak Continues Canary Capital’s XRPC became the first spot XRP ETF to launch in the US with 100% exposure to the asset on November 13. Since then, four more products have followed suit, and the financial vehicles have enjoyed investors’ attention. In well over a month, they have seen only green days in terms of net inflows. The total amount allocated to the funds exceeded $1.1 billion as of Monday’s close, when $43.89 million entered the ETFs. Moreover, the spot XRP funds have outperformed all other crypto-based ETFs since November 13. XRP Price Update Despite the overall bullish year for Ripple and the growing ETF inflows, the underlying asset’s price performance has been quite disappointing lately. It traded above $2.55 on November 13, ahead of the first ETF launch, but has tumbled to under $2.00 as of press time, losing over 20% of its value. After another unsuccessful breakout attempt yesterday, it was stopped at $1.95 and now sits below $1.90, which is a key support line. If decisively broken to the downside, it could lead to another drop to $1.70 or even $1.00. Naturally, the overall sentiment toward the asset has turned bearish, which could actually be a blessing in disguise. Santiment reported that XRP has benefited greatly in previous such instances when the crowd turned against it. The post Ripple (XRP) News Today: December 23 appeared first on CryptoPotato .

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