Michael Saylor, the executive chairman of the Bitcoin-backed company Strategy, is making waves with his bold prediction: Bitcoin could soon reach $1 million. In a recent tweet, Saylor warned that by the time financial advisers approve Bitcoin as a good investment, it might already be too late to buy.
Why the bold claim? Let’s dig deeper.
By the time your financial adviser says it’s OK to buy Bitcoin, it’ll cost $1 million. When they say it’s a good idea, it’ll be $10 million. pic.twitter.com/5CRrf2gSFL
Saylor’s comments come at a time when institutional interest in Bitcoin is growing rapidly. U.S. fund managers like Fidelity, Charles Schwab, Wells Fargo, Mariner, and Fisher Investments have collectively invested over $19 billion in Bitcoin ETFs. These large investments show that Bitcoin is moving from a niche asset to something embraced by major institutions.
Saylor believes that this increased institutional interest will only drive Bitcoin’s price higher.
As more institutions get involved, Bitcoin’s scarcity becomes even more significant. Saylor argues that this will push the price of Bitcoin up, making it harder for regular investors to afford. He believes that Bitcoin could soon hit $10 million per coin once banks and financial institutions fully adopt it.
Bitcoin Will Soon Be Too Expensive to Buy, Claims Saylor
Saylor’s outlook on Bitcoin is based on the idea that as more banks and institutions start to use Bitcoin, demand will push its price through the roof. He sees Bitcoin as a major shift in how the world thinks about money, and as more financial giants adopt it, the price will only rise.
“By the time your financial adviser says it’s OK to buy Bitcoin, it’ll cost $1 million. When they say it’s a good idea, it’ll be $10 million,” he wrote on X.
Saylor believes that waiting for traditional financial advice could leave investors behind, as Bitcoin’s price could become unaffordable before it’s widely accepted by financial experts.
Pompliano Joins Saylor’s Bullish Bet
Saylor is not alone in his belief that Bitcoin is on the verge of a massive price increase. Anthony Pompliano, a well-known Bitcoin advocate and investor, also supports Saylor’s prediction.
Pompliano points to growing institutional adoption, Bitcoin’s limited supply, and the rising global demand for Bitcoin as key reasons why the cryptocurrency could reach $1 million.
He highlights the fundamentals of Bitcoin – its scarcity and increasing institutional support – as key drivers of its future value.
Global Bitcoin Adoption: What’s on the Horizon?
The momentum behind Bitcoin’s rise is growing fast. Major fintech companies are preparing to integrate Bitcoin into their services, and countries like El Salvador and some U.S. states are increasing their Bitcoin reserves.
These moves signal that Bitcoin is becoming more widely accepted and may soon be considered a mainstream asset. Still, with the volatile nature of the crypto market, it’s hard to predict exactly when Bitcoin will hit $1 million.
However, one thing is clear: the window for purchasing Bitcoin at lower prices is closing quickly.
Confidentiality has always been a contentious point in blockchain technology. As public ledgers provide transparency, they often compromise privacy. The drive to reconcile transparency and privacy is at the heart of progress in crypto, and nobody epitomizes this better than Rand Hindi, CEO of Zama.
Hindi and Zama are pioneering the integration of fully homomorphic encryption into public blockchains. BeInCrypto interviewed Rand Hindi at Cannes to discuss Zama’s journey, the mounting investor interest, and the potentially transformative implications of this technology.
Hindi, who leads one of the most acclaimed teams in cryptography, has shepherded Zama to a billion-dollar valuation by focusing on a breakthrough technology that might address some of the sector’s core adoption barriers. The conversation explores how Zama’s protocol operates, the future of confidential payments, and what it means for traditional finance and on-chain scalability.
Hindi shares essential insights on technology’s progression, Zama’s testnet, and the security benefits that go beyond today’s industry standards.
Building Zama: Addressing Privacy Through Homomorphic Encryption
We like to joke that we’re probably the company that raised the most money without anybody understanding what we’re building. The reason for this is because cryptography as a field is very obscure and opaque, but the use cases it enables are very obvious once it actually works.
Zama as a company specializes in something called fully homomorphic encryption, FHE, which is a new encryption technique that allows you to have confidentiality on top of public blockchains. For example, imagine you want to send money confidentially to someone on a blockchain. Today, you wouldn’t. The amount of money you own, the amount you’re sending is public. With our technology, you would actually have that encrypted on chain but still be able to use it as part of any kind of blockchain application.
That is really a radical new proposition, I would say, because up until now, the only way to use a blockchain was to disclose everything to everyone. We’re effectively bridging that gap.
Inside the Zama Protocol and Testnet
When we started a company a few years ago, we focused on licensing our technology to other people. Most people don’t know that nine out of ten blockchain projects that use FHE use Zama technology in the backend.
Now, we are moving to having our own protocol called the Zama protocol that allows you to have confidentiality on top of any blockchain, even those that don’t license our technology directly. So you can have confidentiality on Ethereum, on Base, on Solana, on any really public blockchain.
The ability to have that on a public blockchain means that anybody can now start building apps where the on-chain data stays confidential regardless of which chain they actually want to use to deploy it. So the Zama protocol, like every protocol, has a testnet phase where we effectively launch that and allow developers and users to try it, start building the first apps and use cases ahead of a mainnet launch where it actually goes into production.
Use Cases: Confidential Payments and Beyond
I would say, by far, the biggest use case is confidential payments. If you look at stable coins, you look at global remittances, if you look at payroll, it’s very obvious that if you want to use a blockchain for that, you need to keep data confidential. I mean, if I told you right now to open your phone and show me your bank account, would you? Definitely not a chance.
Okay, there you go. This is what happens in a blockchain because I could see everything you own and do. That makes no sense whatsoever. Once you can encrypt it with homomorphic encryption, then you can start using a blockchain like you use a traditional bank account, like use a traditional credit card for anything from buying your coffee to getting your salary to buying a house. You can do it without other people knowing about it.
That’s one use case. The second one is enabling trading and tokenization of financial assets confidentially. Let’s imagine you are a large financial institution. You’re a hedge fund, you’re a bank. You want to use a blockchain for trading or even for just like, you know, settling some trades with a partner.
If everybody can see your trades and your positions, you’re not going to have much of an advantage in the market. The whole point is to have what we call an alpha, like something, a secret sauce that you don’t reveal. Blockchain today don’t allow you to keep things private. We’re also solving that.
Scaling, Developer Experience, and Security
When we started working on this, there were three main issues. First, it didn’t work. So we had to make the technology work. That’s done. Today, we have the most secure confidentiality technology. It’s even secure against quantum computers. So it’s as secure as it can ever be.
The second problem was it was very difficult to use for a developer. We actually solve that by integrating our technology into existing programming languages for smart contracts, like Solidity, for example, on Ethereum. As a developer, you don’t need to know cryptography to build a confidential application on chain.
And finally, there’s performance. FHE traditionally was very slow. We fixed that through new mathematics, better engineering, but also with better hardware. Effectively, today, scaling FHE and, therefore, scaling global payments on-chain, all these are use cases, is just a matter of putting more compute behind it. If there is one thing we learn from AI, it is that we can throw more compute than it works. We know how to do that. Just put more servers, put more GPUs, it’ll go faster.
So, there’s really nothing preventing homomorphic encryption from becoming the technology that makes it possible to have on-chain finance in a confidential manner.
You can think of it a little bit like, in your browser, when you connect to a website, you have this small lock that tells you that this is encrypted and protected. We’re effectively doing the same thing for blockchain.
Traditional Finance Appetite and Industry Examples
I would say that probably over half of the companies we talk to are financial institutions that are not Web3 native. They all want the same thing. They want to use blockchain because blockchain is the right solution for finance. We all agree on that. That’s established by everybody from Circle to all of these other companies doing that. Confidentiality was the last blocking point for the mass adoption of blockchain for finance.
I’ll give you two examples. We are working with a company right now that is issuing a confidential stablecoin. What it means is, it’s a regular stablecoin, you can use it for payment on chain, but the issuance is confidential, the amounts that you own is confidential, the amount you transfer is confidential, so you can actually use it for payment without having to disclose anything to other people.
That’s one example. Another example is that there is a company building an on-chain self-custodial bank where your money on chain is kept confidential with our technology. We’re talking about something like Revolut, fully on-chain, self-custodial, so even if the bank goes down, you can get back your money because it’s on-chain.
Try to imagine like the first bank that cannot rug you.
Performance, Security, and Cost
Speed-wise, there is going to be almost no difference. It’s not going to slow down the underlying blockchain. The latency is a couple of seconds, a few seconds. You’re probably not going to see it. Just clicking around on an app is going to take longer than that, effectively. So speed is not an issue. Cost is not an issue. At scale, it can be as cheap as about a cent per confidential token transfer.
On like an L2, like base, even in Ethereum, we’re just adding a couple of cents on top of Ethereum gas fees. We’re almost as cheap as the underlying blockchain allows us to be, pretty much. So that’s not an issue. The third one in terms of security we are post-quantum. Even a quantum computer cannot break homomorphic encryption, FHE. That is very important because there are many technologies that are being used today as shortcuts because they’re supposedly more performant.
First of all, that’s not true. But second of all, those technologies have been broken and will be broken going forward. If you want to have the best amount of security, you have to use FHE. There is nothing else that can actually get even closer.
The Road Ahead: Future Developments and Adoption Trajectory
So we’re in testnet now, that’s already big. We’re planning to have our first main net at the end of, let’s say October.
From that point, we’re gonna have other blockchains being supported, and then it’s game on. You know, initially let’s get at least 1% of watching transactions confidential, then 10% and 20%. If we take again the example of HTTPS, in your browser, the small lock protects your data. We’re connecting to the website. It went from 5% of the internet traffic being encrypted in 2010 to 96% now, I believe. We believe FHE will follow a similar type of trajectory where, five, six, or 10 years from now, over 90% of blockchain transactions will be encrypted and confidential with homomorphic encryption.
Conclusion
Rand Hindi’s vision for Zama represents a major leap for both user privacy and institutional confidence in blockchain networks. Fully homomorphic encryption is set to enable confidential apps, payments, trading, and on-chain banking, all without sacrificing security or speed.
As Zama moves from testnet to mainnet, the aim is to make confidential blockchain transactions as common as secure web browsing. Hindi’s conviction is clear—within the next decade, encrypted, private transactions could become the standard, not the exception, across every major blockchain.
Ripple (XRP) has long been celebrated as a utility-focused cryptocurrency, particularly for pioneering efficient cross-border payment systems. Its ability to streamline global transactions while reducing costs has earned it widespread adoption and recognition. However, as the crypto space evolves, investors are looking for the next big utility token, and Ruvi AI (RUVI) is emerging as a strong contender.
Ruvi AI’s innovative use of blockchain technology combined with artificial intelligence (AI) presents a compelling alternative to Ripple. Here’s why Ruvi AI could be the ultimate utility gem investors should consider.
Ripple’s Strengths and Limitations
Ripple revolutionized the way we think about international money transfers. By leveraging blockchain, it has made cross-border payments faster and more secure. Its alliances with financial institutions and global partners underscore Ripple’s importance in modernizing how money moves across borders.
However, Ripple has also faced challenges, including regulatory scrutiny and limited diversification in its use cases. While its focus on payments is unparalleled, its dominance has plateaued, leaving room for newer, more diversified projects like Ruvi AI to capture investor interest.
Ruvi AI’s Innovative Approach
Ruvi AI offers a fresh perspective by combining blockchain with artificial intelligence to deliver solutions beyond a single use case. Its focus on addressing real-world problems in industries such as healthcare, logistics, and finance allows it to tap into a broader market.
Healthcare: Ruvi AI is developing technology to enhance diagnostics using AI algorithms, enabling more accurate and timely medical decisions.
Logistics: By harnessing AI, Ruvi AI aims to optimize supply chains, improving efficiency and reducing costs for global businesses.
Finance: Beyond traditional payments, Ruvi AI is introducing innovative solutions like fraud prevention and secure digital payment systems.
These applications make Ruvi AI a well-rounded project ready for sustained growth.
A Presale Strategy That’s Already a Success
Ruvi AI’s ongoing presale has highlighted substantial interest from the investment community, positioning it as a rising star. Key milestones from the presale include:
$1.5 Million Raised: Showcasing robust investor confidence in its vision.
Nearly 135 Million Tokens Sold: Evidence of high demand and growing momentum.
Phase 2 Underway: An excellent opportunity for investors to acquire tokens before a 33% price increase takes effect after this phase.
Ruvi AI’s presale emphasizes rewarding early supporters while fostering long-term growth, making it an appealing entry point into a scalable project.
Unlock Bigger Potential with VIP Investment Tiers
Ruvi AI stands out further with its VIP investment tiers, which offer incredible value for early adopters:
VIP Tier 2 ($750 investment, 40% bonus):
Total tokens: 70,000 (50,000 base + 20,000 bonus).
Value at $0.07 per token: $4,900.
Value at $1 per token: $70,000.
VIP Tier 3 ($2,100 investment, 60% bonus):
Total tokens: 224,000 (140,000 base + 84,000 bonus).
Value at $0.07 per token: $15,680.
Value at $1 per token: $224,000.
VIP Tier 5 ($9,600 investment, 100% bonus):
Total tokens: 1,280,000 (double the allocation).
Value at $0.07 per token: $89,600.
Value at $1 per token: $1,280,000.
These tiers allow early investors to secure a significant portion of Ruvi AI tokens at a discounted rate compared to its projected value.
Expanding Horizons with WEEX Partnership
Accessibility is key to Ruvi AI’s growth strategy, and its partnership with WEEX Exchange helps accomplish that. By ensuring high liquidity and global visibility for its token, Ruvi AI increases trust among investors and simplifies trading opportunities. This collaboration strengthens the project’s foundation for long-term success.
Why Ruvi AI Is the Best Alternative to Ripple
Ruvi AI is not looking to compete with Ripple in cross-border payments. Instead, it offers a more versatile solution, targeting diverse industries with its innovative technology. This broader approach means Ruvi AI isn’t constrained to a single niche, giving it an edge in scalability and adoption.
With a projected target price of $1 per token by Q4 2025, Ruvi AI represents an opportunity for exponential growth that is hard to ignore. While Ripple continues to dominate the payments space, Ruvi AI’s emphasis on real-world utility and cutting-edge innovation positions it as a promising alternative.
Final Thoughts
For investors seeking the next big utility-focused project, Ruvi AI offers a smart, future-forward solution. Its practical applications, strong presale performance, and lucrative VIP investment tiers make it a standout candidate in the cryptocurrency market.
Ripple has laid the groundwork for utility tokens, but projects like Ruvi AI are pushing the boundaries of what’s possible. With its focus on innovation and scalability, Ruvi AI is more than ready to carve out its place as the next big name in blockchain-powered utility. Don’t miss your chance to be part of this revolution.
The post Utility Gems Before the Rise: Why Ruvi AI (RUVI) Could Be the Best Ripple (XRP) Alternative appeared first on Coinpedia Fintech News
Ripple (XRP) has long been celebrated as a utility-focused cryptocurrency, particularly for pioneering efficient cross-border payment systems. Its ability to streamline global transactions while reducing costs has earned it widespread adoption and recognition. However, as the crypto space evolves, investors are looking for the next big utility token, and Ruvi AI (RUVI) is emerging as …
US-based Bitcoin exchange-traded funds (ETFs) experienced their largest single-day net inflow in nearly two months. As per the data, this is the highest daily inflow since January 30, when the funds attracted $588.1 million shortly after Bitcoin price reached its all-time high.
ARK and Fidelity funds show strong Bitcoin ETF performance
The strong inflow on April 21 saw $381.3 million entering the funds. It was widely distributed across multiple ETF providers, with ARK 21Shares Bitcoin ETF (ARKB) capturing the largest share at $116.1 million. Fidelity Wise Origin Bitcoin Fund (FBTC) followed with the second-highest inflow at $87.6 million. The data comes as Bitcoin price has reclaimed the $88,000 level.
Grayscale, which had previously experienced substantial outflows after converting its Bitcoin trust to an ETF, showed signs of stabilization with its Bitcoin Trust (GBTC) and Bitcoin Mini Trust ETF (BTC) recording combined inflows of $69.1 million.
BlackRock’s iShares Bitcoin Trust ETF (IBIT), which maintains the largest assets under management among the Bitcoin ETFs, attracted $41.6 million, approximately half of what it had received before the weekend trading break on April 17. Other funds including HODL and EZBC also contributed to the day’s positive performance with inflows of $11.7 million and $10.1 million respectively. The positive ETF inflow comes amidst the expectation of the first ever XRP ETF going live.
United States experience continued crypto outflow
While US Bitcoin ETFs saw strong performance on April 21, overall digital asset investment data for the week shows notable geographic variations in investor behavior. According to CoinShares’ weekly report, the overall digital asset investment sector showed modest total inflows of $6 million for the week.
The United States continued to experience net outflows totaling $71 million for the week despite the strong single-day performance on April 21. This suggests that the substantial inflow day was an exception to the generally cautious US investor stance.
Funds Flow by country: CoinShares
In contrast, European markets displayed more positive sentiment toward digital asset investments. Switzerland led with inflows of $43.7 million, followed by Germany with $22.3 million. Canada also contributed positively with $9.4 million in net inflows during the same period.
The CoinShares report highlighted that broader market sentiment fluctuated throughout the week, with stronger-than-expected US retail sales figures that caused significant outflows of $146 million mid-week.
Bitcoin products specifically ended the week with minor outflows of $6 million despite the substantial daily inflow seen in the ETF data. Additionally, short Bitcoin investment products recorded outflows of $1.2 million which was their seventh consecutive week of outflows. These products have now seen investors withdraw approximately 40% of their total assets under management over this period.