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North Carolina House Speaker Destin Hall has introduced a bill to invest public money in cryptocurrency. The bill would enable the state to allocate funds to create a Strategic Bitcoin Reserve and other Bitcoin-related investments. According to news reports, the North Carolina House Speaker is pushing to invest up to 10% of the state’s general and highway funds in crypto assets. However, this would be limited to digital assets with high market capitalizations, making BTC the only qualifying cryptocurrency. Strategic Bitcoin Reserve Legislation North Carolina as a Leader in Technology The introduction of House Bill 92 that was sponsored by Representatives Destin Hall, Mark Brody, and Steve Ross, makes North Carolina the 20th state to introduce similar bills aiming to establish a Strategic Bitcoin Reserve by putting public money into crypto where most of them intend to invest portions of their state’s retirement funds. According to the Bill, the cryptocurrencies that qualify should have a market capitalization of at least $750 billion during the one year preceding the potential investment to qualify. Representative Hall said in a statement: “Investing in digital assets like Bitcoin not only has the potential to generate positive yields for our state investment fund but also positions North Carolina as a leader in technological adoption & innovation.” Regulated via ETP As a result, only Bitcoin could comfortably qualify to meet this requirement as its threshold is over two times that of the following digital asset, Ethereum, whose current market capitalization stands at around $323 million. Moreover, the bill further stipulates that the investment will happen via a regulated exchange-traded product (ETP). Under the bill, the state’s Treasurer will be allowed to invest in digital assets via the General Fund, Highway Fund, and 24 other special funds it supervises. The implementation of the digital asset investment will be overseen by the Governor and Council of State and a third-party investment manager that must have at least $100 million in assets under management. Apart from North Carolina, other states that have recently proposed a similar Strategic Bitcoin Reserve bill include Kentucky, which plans to allocate at least 10% of its reserves to BTC and other cryptocurrencies. Florida Senator Joe Gruters has also recently introduced the SB 550 bill, which aims to allow the state’s Financial Officer to use public funds to invest in BTC and create a Strategic Bitcoin reserve. Bill Awaiting Legislative Process Bill Awaiting Legislative Process Building a US Strategic Bitcoin Reserve has gained much traction nationally, especially following President Donald Trump’s stance on cryptocurrencies. Industry leaders like Mathew Sigel have proposed that creating a Bitcoin reserve strategy would be significant as it would help maintain the country’s economic strength. North Carolina’s Strategic Bitcoin Reserve Bill now moves to the legislative process where lawmakers will debate it, approve it, and make it one of the first states to use public funds to invest in crypto. Conclusion As institutional adoption rates rise, several states in the US are considering creating a Strategic Bitcoin reserve like the federal government plans to put in place. Lawmakers in Iowa, Maryland, and Kentucky have introduced bills similar to North Carolina’s. Only time will tell whether the respective houses will approve the proposed bills and make the crypto dream a reality. Frequently Asked Questions (FAQs) What is a strategic Bitcoin reserve? This would be a state or national stockpile of Bitcoin, similar to the US government’s strategic petroleum reserve to utilize in case of a global disruption. Is there a case for a strategic reserve for Bitcoin? Establishing a strategic reserve for BTC could strengthen a nation or state’s economic stability through debt offsetting, increased diversification, and a hedge against inflation. How would a BTC strategic reserve work in the US? This would involve the government buying and holding a BTC stockpile like gold reserves. The US federal government already has over 200,000 Bitcoins, mostly confiscated from criminal elements. How would such a reserve impact the crypto market? Proponents believe a strategic bitcoin reserve could trigger a crypto’ arms race’ to reshape the global economic order and legitimize cryptocurrencies. References Reuters Coindesk Appendix Glossary of Key Terms House Bill: Refers to a proposed law for introduction in a House of Parliament to introduce a new legislation, amend an existing one, or repeal one. Bitcoin: A cryptocurrency that operates on peer-to-peer software and cryptography and is free of any central control or the oversight of banks or governments. Strategic Reserve: A stockpile of essential resources or commodities that can be used when needed, especially during a crisis or supply disruption. Exchange Traded Product: A financial product that trades like a stock, bond, or commodity on an exchange.

In a recent 13F filing, Goldman Sachs disclosed increasing its Bitcoin holdings in the last quarter of 2024. The major growth of the BTC portion in the bank’s portfolio was immediately noticeable compared to the previous quarter. A 13F filing is a quarterly report mandated by the SEC from institutional investment firms with over $100 million in assets under management. These filings provide transparency into the holdings of major market investors like Goldman Sachs’ $1.58B in Bitcoin ETF holdings across the BlackRock iShares Bitcoin Trust (IBIT) and Wise Origin Bitcoin Trust (FBTC). Disclosing these holdings gives insight into investment strategies and portfolio adjustments. Goldman Sachs’ Bitcoin ETF holdings Goldman Sachs recent filing with the Securities and Exchange Commission (SEC) showed that the bank’s Bitcoin related ETF holdings as of December 31 were significantly higher than they were in the previous Q3 2024. The bank’s Bitcoin holdings have been on a steady upward trend despite its CEO’s skepticism of digital assets. These increases are notable within BlackRock’s iShares Bitcoin Trust (IBIT) and Fidelity’s Wise Origin Bitcoin Trust (FBTC). Goldman Sachs holds approximately $1.27B in IBIT, equivalent to 24,077,861 shares. This represents an 88% increase in shares compared to the previous quarter’s filing of 12.7 million shares worth $461M which covered July through September. The bank’s investment in FBTC increased to $288M, totaling 3,530,486 shares. This represents a 105% increase from the prior quarter. There was also a 97% decrease in the GBTC shares held by the bank. Goldman Sachs’ strategic options position The 13F filing also revealed Goldman Sachs’ engagement in options strategies related to its Bitcoin ETF holdings. As of December 31, the bank held $760M in options trading positions through spot ETFs. A breakdown of the $760M shows an IBIT call position valued at $157 million, an IBIT put position valued at $527 million, and an FBTC put position worth $84 million. In addition to these positions, the 13F filing also showed that the bank decreased or closed several smaller Bitcoin ETF holdings. ARK 21Shares’ ARKB, Bitwise’s BITB, Grayscale’s mini Bitcoin trust, Invesco Galaxy’s BTCO, and Wisdom Tree’s BTCW were all closed. This could be Goldman Sachs’ attempt at strategically consolidating its cryptocurrency-related investments. Earlier this year, the bank reported that its net revenue for the last quarter of 2024 was $13.8B, while its net earnings for the fourth quarter were $4.11B. The CEO of Goldman Sachs, David Solomon, criticized Bitcoin before, saying it was a threat to the US dollar’s dominance. However, he has since turned to emphasizing the need for regulatory changes with his bank’s increased exposure to Bitcoin. Cryptopolitan Academy: How to Write a Web3 Resume That Lands Interviews - FREE Cheat Sheet

The Trump family’s WLFI has unveiled the Macro Strategy reserve to support leading crypto projects like Bitcoin, Ethereum, and other cryptos at the forefront of reshaping global finance. According to World Liberty Financial, the initiative will serve as a strong financial pillar, enabling WLFI to enhance stability, boost expansion, and improve confidence. The Macro Strategy Reserve aims to mitigate market volatility and ensure a resilient financial ecosystem by diversifying WLFI’s holdings across a range of tokenized assets. The reserve will also empower WLFI’s investment in innovative projects, support ecosystem development, and seize unfolding opportunities within the DeFi ecosystem. WLFI said that the ‘well-capitalized’ reserve emphasized its commitment to transparency and long-term sustainability. The reserve would also reinforce trust among WLFI’s community and stakeholders. World Liberty Financial pushes tokenized assets boundaries with traditional finance partnership Dear WLFI Community, We are thrilled to announce a transformative initiative that marks a significant milestone in our journey together. World Liberty Financial (WLFI) is proud to unveil the Macro Strategy, our strategic token reserve designed to bolster leading projects like… — WLFI (@worldlibertyfi) February 11, 2025 World Liberty Financial disclosed that it was actively engaging with recognized financial institutions to contribute tokenized assets to its reserve in alignment with its mission to bridge traditional finance and DeFi. The collaborations will offer mutual benefits, including public blockchain visibility, innovative marketing opportunities, and joint PR and branding efforts. The contributed assets will be held in WLFI’s publicly accessible wallets to provide institutions with transparent exposure to the crypto community. As per WLFI, institutions will directly engage with its ‘vibrant community’ to ‘showcase its commitment’ to innovation through strategic initiatives. Collaborative marketing campaigns will highlight these partnerships and position participating institutions at the top of the expanding financial landscape. World Liberty Financial said its strength was in its dynamic and engaging community, calling on its community for support and active participation as it ‘set sail’ on this journey. The Trump-affiliated crypto project said that a detailed Macro Strategy proposal would soon be available on its governance forum. WLFI encouraged its community to review the proposal, provide feedback, and share their insights to help shape this historic plan. World Liberty Financial loses over $21M after purchasing 8 tokens for its reserve Lookonchain’s data revealed that WLFI’s recent purchase of eight tokens resulted in a loss of more than $21.78M. According to Lookonchain, WLFI spent 156.67K USDC to acquire 273.94K MOVE only two weeks after buying 2.4M MOVE valued at ~$1.9 million. Arkham’s on-chain data also revealed that WLFI had accumulated a huge amount of ETH, including the 3.191K 3TH worth over $10 million, which was bought on January 29th. World Liberty Financial bought 56.317K ETH worth over $189.9 million at $3.373K per ETH and made a significant loss of over $14 million. WLFI also bought 647 WBTC worth $68.5 million at $105.9K per WBTC, making a loss of over $2 million. Other purchases contributing to millions in WLFI’s losses included the acquisition of 19.39K AAVE worth $6.69M at $346, which resulted in a loss of over $$1.17 million. WLFI also lost more than $1.64 million after buying 5.77M ENA worth $5.45 million at $0.94 per ENA. More losses were incurred in the purchase of 40.7M TRX worth $10 million at $0.25 per TRX, resulting in a loss of about $227.65K. WLFI bought 256.3K LINK valued at $6.7 million at $26.14 per LINK token and ended up losing more than $845K. The purchase of 2.39M MOVE worth $1.88 million at $0.78 per MOVE and 134.2K ONDO worth $250K at $1.86 per ONDO also resulted in a combined loss of over $78K. Nevertheless, Donald Trump Jr. said the family was proud of what it continued to achieve in crypto, adding that he truly believed that WLFI would ‘revolutionize CeFi and DeFi’ to become the future of finance. “We are just getting started,” said Trump Jr. Cryptopolitan Academy: FREE Web3 Resume Cheat Sheet - Download Now

Original Title: "What Is DeFAI (Decentralized Finance Artificial Intelligence)?" Original Author: Sankrit K Compiled by: Scof, ChainCatcher Key Points: Since the advent of artificial intelligence agents, "crypto" and "AI" have become buzzwords and headlines for everyone. Together with blockchain technology, they form an innovative triad that could shape the technological landscape of this decade. Mark Zuckerberg predicts that there will be more AI agents than humans in the future. Blockchain is the ideal environment for these AI agents to thrive—permissionless, trustless, tamper-proof, and transparent. DeFAI—the fusion of decentralized finance and artificial intelligence—is a new crypto narrative that uses AI to bridge the accessibility gap in decentralized finance (DeFi). This article will explore the narrative of DeFAI in detail and outline some popular projects innovating in this niche. DeFAI (Decentralized Finance + Artificial Intelligence) is a way to integrate artificial intelligence (AI) into decentralized finance (DeFi) systems, aiming to enhance efficiency, accessibility, and user experience. DeFi is a paradigm that fundamentally rethinks how financial systems and investment tools operate. It is entirely trustless and free of intermediaries; this is nearly impossible to achieve in most traditional financial scenarios. However, one drawback of DeFi is that its technical complexity is overwhelming for the average user, and the learning curve is steep. For many, the empowerment promised by DeFi is often overshadowed by the challenges of managing risks, interpreting complex data, and staying ahead in a 24/7 market. Users often find themselves confused: how can they fully leverage the potential of DeFi without getting lost in its complexities? On the other hand, artificial intelligence (AI) has already demonstrated significant potential in simplifying decision-making and optimizing processes across various industries. Thus, the overarching goal of DeFAI is to apply AI-based solutions to DeFi projects, abstracting technical details to make on-chain interactions more user-friendly for non-technical users. DeFAI can provide real-time insights, automate trading, personalize strategies, and facilitate efficient decision-making, all without requiring users to bear the burden of technical details. A common feature of current DeFAI-based applications is that users can perform complex DeFi operations through simple, human-like commands without deep technical knowledge. In the narrative of crypto and artificial intelligence, several categories have emerged. Due to their similarities, most people struggle to distinguish between them. The differences often lie in subtle nuances that only become apparent upon closer examination. AI Meme coins typically rely on hype without substantial functionality; crypto AI agent projects usually target specific use cases; whereas DeFAI takes an approach that makes the on-chain financial ecosystem more accessible to the masses. The table below can help you better understand these differences. At first glance, DeFAI and intent-centric blockchains or projects may seem similar, as they both focus on improving user experience and system efficiency. However, upon deeper analysis, DeFAI and intent-based architectures are fundamentally different. They differ in design philosophy, implementation methods, and the scope of problems they address. On the surface, both DeFAI and intent-centric blockchains aim to simplify user experience and enhance the efficiency of the blockchain ecosystem. They both attempt to abstract the complexity of on-chain interactions, allowing users to focus on desired outcomes rather than intricate technical details. But the similarities end there. Currently, DeFAI primarily uses machine learning algorithms and large language models to simplify interactions between humans and blockchains. On the other hand, intent-centric blockchains focus on the concept of "intent," where users express their expected outcomes, and the system typically employs a "solver" to find the best path to achieve that goal. You can think of the solver as a specialized module in an intent-centric blockchain that translates user intents into executable on-chain actions. For example, if a user wants to swap tokens or transfer assets across chains, the solver determines the optimal path based on factors like gas fees, slippage, and liquidity, and executes the corresponding transaction. DeFAI, however, addresses the problem differently. It does not focus on the infrastructure needed to execute intents but rather leverages AI to help users make better decisions before execution. The AI models in DeFAI analyze on-chain data, predict market trends, and recommend actions based on user goals (e.g., selecting the best liquidity pool to provide liquidity or optimizing asset allocation for yield farming). It is important to emphasize that when considering the recommendations of DeFAI agents, users still need to conduct their own research. Let's take token swapping as an example to see how each approach handles it. Intent: Cross-chain token swap DeFAI would use AI algorithms to provide real-time suggestions for the user: Step 1: The user inputs, "I want to swap 1 ETH for USDC." Step 2: DeFAI analyzes on-chain data, including DEX prices, liquidity pools, gas fees, and bridging costs. Step 3: It suggests the best route, such as swapping ETH for USDC on Uniswap via Ethereum and then bridging USDC to Polygon to reduce gas fees. Step 4: The user executes the suggested transaction through a semi-manual method or via the connected wallet interface. Here, DeFAI acts as a smart assistant, helping the user make informed decisions while leaving the final execution control to the user. Intent-centric blockchain, the process is more automated: Step 1: The user inputs, "Swap 1 ETH for USDC." Step 2: The system captures the intent and passes it to the solver. Step 3: The solver determines the best path, which may involve splitting the transaction across multiple DEXs, utilizing Rollup to reduce costs, or combining the swap and bridging into a single operation. Step 4: The blockchain executes the transaction on behalf of the user, sending USDC to their wallet without further input. Here, the user interacts only at the intent level. AI excels at learning from input data (training sets) and generating tailored outputs. If this data includes your trading history, investment patterns, and risk tolerance, DeFAI applications can create highly personalized financial strategies. For example, suppose an AI-driven DeFi application analyzes your on-chain activity and finds that you frequently interact with stablecoins. Based on this, it might recommend high-yield stablecoin staking platforms. Projects like Mozaic Finance are already working in this direction, helping users dynamically allocate funds to maximize returns and manage risks. Staking is a popular (and mostly safe) way to earn guaranteed returns by staking assets. However, these returns are only guaranteed if the validator you delegate to is honest and performs well. Choosing the wrong validator can lead to reduced rewards or, in some cases, penalties like "slashing." Selecting one from numerous validators is a challenging task, and naturally, this is a problem that can be handed over to AI. DeFAI applications like HeyElsa can analyze multiple validators upon request, assessing important metrics such as uptime and reputation. For example, if a user asks HeyElsa to stake their assets, the system intelligently compares validators and selects the one that best matches the user's preferences. With thousands of tokens on each blockchain, tracking investments has become increasingly complex for retail crypto investors. Brief trends, meme tokens, and airdrops often lead to over-diversified portfolios, making asset management difficult. DeFAI addresses this issue by introducing natural language portfolio management, allowing users to interact with their portfolios as easily as sending messages. Imagine you simply indicate your needs to the application—like "Show me the best-performing tokens this month" or "How many assets in my wallet are worth less than $1"—and the application outputs easy-to-understand, accurate results. Platforms like HeyElsa and Griffain have achieved this functionality by combining AI and blockchain. They can interpret user commands, analyze on-chain portfolios, and execute requests on DeFi protocols in a chat-like interface. Similarly, SoDAS (Solana DeFi Agent Swarm) integrates messaging platforms like Telegram and Discord, enabling users to manage their portfolios through conversational interactions. Trading cryptocurrencies requires a strong mindset. Even if your strategy is well thought out, emotions often take over when it comes time to act—this is a common issue for most investors. Watching momentary price fluctuations can often lead to impulsive decisions. DeFAI applications can largely eliminate emotional biases by automating trading strategies around specific goals, or even completely remove them. Platforms like Loomix on LogX are leading the way in this area. Users can define specific financial goals, such as "Sell 50% of my ETH if the price drops below $3500 to minimize losses, or sell at $4000 to lock in profits," and then Loomix's AI algorithms will automatically execute these strategies. Another example is Aspis, which offers AI-driven liquidity pools customized according to specific financial goals. For instance, you can instruct the system to allocate funds for a 20% return while setting a 5% risk cap. The AI agents within Aspis dynamically adjust these strategies to adapt to market fluctuations and optimize performance in real-time. Here is a list of 8 DeFAI projects (in no particular order), along with brief descriptions and some of their key features. DeFi + AI redefines the relationship between autonomy and automation. Unlike intent-centric protocols that prioritize outcome-driven automation, DeFAI retains human decision-making power by acting as a smart advisor rather than an executor. The most challenging implication of DeFAI lies in its potential to humanize blockchain. DeFAI has the potential to catalyze a new era where blockchain transcends its traditional niches by embedding intelligence into its infrastructure. The ultimate test will be whether DeFAI can scale without sacrificing the core principles of decentralization, a challenge that requires resilience in terms of the transparency of AI training, accountability of recommendations, and resistance to algorithmic monoculture. While DeFAI can provide users with a more efficient and convenient way to engage with decentralized finance, always ensure to conduct thorough research before investing any capital.

First, we exchanged greetings and pleasantries, as it was our first login with DeepSeek. Then we asked, “DS, do you know what Bitcoin is?” The large language model was clearly familiar with the world’s leading cryptocurrency by market cap. DeepSeek Tells Us Its Bitcoin Price Outlook “Yes, I do!” DeepSeek answered. “Bitcoin is a decentralized digital currency, often referred to as a cryptocurrency. It was invented in 2008 by an unknown person or group of people using the pseudonym Satoshi Nakamoto and released as open-source software in 2009.” The new chatbot gave a one or two-sentence summary of seven key points about Bitcoin. It listed these as Decentralization, Blockchain Technology, Mining, Limited Supply, Security, Volatility, and Use Cases. After that, DeepSeek helpfully prompted, “If you have any specific questions about Bitcoin or need further details, feel free to ask!” “DS, do you have an outlook on Bitcoin prices in 2025?” we asked. First, DeepSeek qualified that “Predicting the price of Bitcoin (or any cryptocurrency) is highly speculative and subject to a wide range of factors, including market sentiment, regulatory developments, technological advancements, macroeconomic trends, and adoption rates.” “While I can’t provide a definitive outlook for Bitcoin prices in 2025,” the chatbot told us, “I can share some perspectives and factors that analysts often consider when making predictions.” Then, the platform shared what it sees as the relevant factors in Bitcoin’s price in 2025. These were adoption and institutional interest, regulatory environment, macroeconomic conditions, technological developments, market cycles, and halving events. AI Chatbot’s 2025 BTC Price Prediction: $500,000 After that we asked, “What is the highest price you think that Bitcoin could feasibly or realistically reach in 2025?” DeepSeek said the “realistic high price estimate for 2025” for BTC is 200,000 to 500,000. The bot cited analysts “who believe Bitcoin could see massive adoption and institutional investment, similar to gold’s market capitalization.” The AI didn’t give any specific sources, but we recently reported on three. The post We Asked DeepSeek to Predict Bitcoin Prices and It’s Very Bullish appeared first on CryptoPotato.