2025-07-21 11:31:44
Top coins are breaking price records. Europe wants to end anonymity in crypto. Ukrposhta and Payoneer prepare an intensive for business. The study showed that people spend crypto on games, travel, and real estate
XRP updated an all-time high amid sharp growth. BTC and ETH are not lagging behind
On July 18, 2025, Ripple's XRP cryptocurrency set a new record of $3.65 per token. This is the first historical high since 2018, when the price of the coin reached $3.4. The coin moved to the third place in terms of market capitalization, overtaking the USDT stablecoin, and its market value exceeded $202 billion.
The growth occurred against the backdrop of a surge in crypto market capitalization, which broke the $4 trillion mark for the first time in history. An additional catalyst was news from the U.S. Congress, which approved three bills at once: on regulation of the crypto market, on the control of stablecoins, and on the ban of the digital dollar for the public. As of July 21, 2025, the XRP exchange rate is at $3.5.
In addition to Ripple, Ethereum showed impressive growth last week. Its value exceeded $3,700, adding 20% over the week. The growth was facilitated by the general crypto rally, as well as increased interest in spot ETFs based on the second cryptocurrency. Traders believe the upward trend will continue: with a 27% probability, the price could reach $5,500 before the end of 2025.
Bitcoin updated ATH on July 14, 2025, when its price reached $123,091. The coin's capitalization reached a record $2.4 trillion, surpassing Canada's GDP ($2.2 trillion) and Amazon's market value ($2.3 trillion). Bitcoin is trading at $118,314 as of Monday, July 21.
Europe tightens rules for crypto businesses: ban on anonymous wallets and full access to data
Following the implementation of MiCA rules, even stricter requirements from the European Anti-Money Laundering Agency (AMLA), which began operations in July 2025, have come into effect. The agency has warned crypto exchanges, cryptowallet providers, and crypto ATMs to be fully transparent.
All crypto services are now required to disclose their true owners and shareholders. Regulators will check if they are not linked to money laundering or terrorist financing. These measures are necessary to protect the EU from risks coming from the crypto market.
From 2027, even stricter restrictions will come into effect. Anonymous crypto wallets and privacy-enhanced coins such as Monero и Zcash will be completely banned. Moreover, AMLA and EU financial intelligence agencies will have direct and immediate access to crypto services' user data.
The difference between the new rules and MiCA is that AMLA acts as a supranational body with the ability to coordinate actions across Europe. However, in a fragmented market where rules are still unevenly applied, unifying controls will be a major challenge.
Ukrposhta and Payoneer will organize a free workshop for small businesses
A free workshop for Ukrainian entrepreneurs organized by Ukrposhta and fintech company Payoneer will be held in Kyiv on July 24. The broadcast will be available from 10 a.m. to 4 p.m. on YouTube from anywhere in the world, and participants will also be provided with a video recording. You can register on the Ukrposhta website.
The program is designed for small and medium-sized businesses that seek to enter international markets even in the conditions of war. Participants will get practical knowledge on scaling on Amazon, promotion through Google Shopping and Shopify, working with logistics and customs, as well as brand protection and trademark registration.
As a reminder, you can quickly and conveniently withdraw money from your Payoneer e-wallet to fiat with ObmenAT24.
Research: young people spend cryptocurrency on games and travel, while the older generation — on appliances and housing
According to the Bitget Wallet survey, Generation Z representatives (aged 18-29) use cryptocurrency for everyday spending more often than others. 36% of respondents from this group spend digital assets on gaming, and another 35% — on everyday expenses and booking trips.
Millennials (30-44 years old) use cryptocurrency more broadly — for subscriptions, airline tickets, and online purchases. But Generation X (45-60 years old) makes large purchases with the help of cryptocurrency: 40% of respondents noted that they paid with it for household appliances or even real estate. It is noted that QR codes and integration of crypto cards in trade networks simplify the use of digital currencies and make them a familiar part of consumption.
Let's remind that at the state level, cryptocurrency is officially allowed to be used as a means of payment only in El Salvador. In other countries, including the US and the EU, Bitcoin is accepted only by certain companies — for example, Tesla, PayPal, and Microsoft, as well as some offline stores.
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