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Main Street investors are grappling with emotionally driven investment decisions, which could pose a greater financial threat than the market downturn that Wall Street is predicting.

That’s according to an exclusive survey conducted by MarketWise.

“This kind of disconnect suggests investors are riding performance momentum and bracing for volatility. This type of setup often leads to sharper pullbacks when sentiment eventually turns.’

The study was conducted on December 11, 2025. The responses, gathered from 1,004 investors across various demographics, reveal heightened anxiety as recession fears linger.

Asset allocations: Cash reigns, crypto cowers

This emotional undercurrent is manifesting starkly in portfolios, where safety trumps speculation.

The MarketWise survey shows that cash still dominates, with 86 percent of investors participating with an average US$626 monthly allocation. Fifty-five percent deem it the safest asset overall.

In stark contrast, crypto attracts just 35 percent participation at a meager US$92 monthly average.

“Crypto is no longer the ‘Wild West,’ but investor confidence hasn’t caught up to regulatory clarity. Fifty-four percent of investors say crypto is the asset class they’re most cautious about, and 56 percent see it as the most volatile despite reporting rules and oversight expanding,” said Royal.

Gold and commodities drew optimism from 44 percent overall, with that amount rising to 47 percent among Millennials. This sentiment aligns with the metal’s recent record surge past US$5,500 per ounce on safe-haven bids.

Stocks remain broad at 69 percent participation with an average monthly contribution of US$320; however, caution prevails for 46 percent of those surveyed, who said they feel “fearful” about stocks in 2026, mirroring 47 percent real estate wariness, despite a 23 percent holding.

Generational anxiety divide

Recession fears loom large, with three-quarters of respondents anticipating a 2026 downturn — yet 46 percent admit financial unreadiness. This number rises to 54 percent for those earning under US$75,000.

“Investor sentiment explains why panic-driven behavior persists, such as 18 percent of investors reporting that doomscrolling has already pushed them into a rushed investment decision,” Royal noted.

Forty-three percent of respondents predict emotional investing will harm their performance, while 45 percent have paused markets for mental health and 46 percent let economic and geopolitical headlines sway feelings.

“The mental tax of investing is becoming tough to ignore,” Royal added.

“Half of American investors check their portfolios at least once a day (with 9 percent doing so five or more times per day), and 51 percent feel investment stress at least monthly.”

This intensifies among youth. Sixty-one percent of Gen Z report acute investment stress, and 36 percent feel it daily or weekly, far above the average. Fear of missing out, or ‘FOMO,’ drives 17 percent of Gen Z decisions, with 42 percent overall somewhat or often impacted, highlighting impulsive trends among youth.

Meanwhile, 36 percent of Gen Z plan safety shifts versus 29 percent broadly. Millennials show parallel vulnerabilities: 21 percent admit doomscrolling panic, and 11 percent check portfolios frequently.

“Even solid fundamentals can get drowned out by headlines when investors are this emotionally fatigued. Of course, that’s when discipline matters most,” explained Royal.

Coping strategies lean toward rationality: 34 percent remind themselves markets move in cycles, and 20 percent research more to regain control. Older generations appear to show more restraint. Baby Boomers and Gen X report lower stress, with 49 percent overall “rarely” or “never” stressed versus Gen Z’s 61 percent. This generational divide — youth FOMO versus elder discipline — underscores the emotional paralysis among younger investors.

Market behavior mirrors this anxiety: 2025 Google searches for “stock market crash” hit 1.72 million, far outpacing “bull market” searches at 262,000. “Crypto crash” drew 392,000 hits, reinforcing the survey’s fear-driven sentiment.

Investor takeaway

As the gold price hits record highs and the cryptocurrency sector lags, MarketWise’s survey proves the real 2026 battle isn’t markets — it’s mastering the emotions driving them.

Securities Disclosure: I, Meagen Seatter, hold no direct investment interest in any company mentioned in this article.

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Crypto wallets are rapidly evolving from simple asset storage tools into sophisticated financial operating systems, increasingly serving as the primary interface for everyday financial activity on-chain.

That’s the central thesis of a new research report from Bitget Wallet. In it, the firm argues that as blockchain adoption matures, user behavior is shifting away from episodic, market-driven trading toward repeatable financial activities such as payments, savings and asset management, positioning the wallet at the center of a new financial era in 2026.

This structural shift sees wallets consolidating functions once spread across traditional exchanges, banks and standalone decentralized applications. Payments, trading, yield and privacy are now handled through a single, user-owned interface as cryptocurrencies begin to function more like everyday money.

This maturation is quantifiable: stablecoin on-chain transaction volume reached about US$33 trillion in 2025, with global stablecoin supply growing more than 50 percent to over US$300 billion. Furthermore, spending across major crypto card programs rose 525 percent year-on-year, underscoring a clear transition toward real-world financial use.

The BitGet Wallet report details eight structural trends defining this new phase of on-chain finance.

1. Payments expansion and invisible settlement

Stablecoins are evolving from a gray-zone asset into an invisible, programmable global settlement infrastructure, integrated into cross-border and local instant payment systems and card networks. Wallets function as multi-currency routing hubs, handling conversions and optimizing paths, increasingly using ‘PayFi’ models where held capital automatically earns on-chain yield during payment cycles.

2. The rise of agentic commerce

The artificial intelligence (AI) economy is moving toward machines as autonomous economic actors. Protocols like x402 enable AI agents to transact automatically for data and services by embedding stablecoin payments in HTTP requests.

As this shifts the security focus from know your customer to know your agent (KYA), wallets are becoming unified funding, risk control and KYA enforcement hubs for both people and their authorized agents.

3. Privacy as core infrastructure

Privacy is now essential for scalable on-chain finance. With the Ethereum Foundation prioritizing it, privacy must be built into the infrastructure. Wallets are emerging as the main privacy boundary, managing transactions and on-chain data access to balance trust, usability and compliance without revealing full balances or behaviors.

4. On-chain credit evolves from collateral to reputation

DeFi is shifting from overcollateralized lending to models based on behavioral trust. Continuous on-chain activity, including recurring payments and cash management, generates behavioral signals for dynamic risk assessment. Wallets can aggregate these cross-chain, time-based behaviors to create a behavioral credit layer, translating consistent activity into better permissions and reduced friction, thus building durable financial relationships.

5. Market rebalancing and RWA derivatives

Real-world assets (RWAs) are evolving past simple tokenization toward perpetual and synthetic exposure.

With regulatory clarity and a sizeable increase in tokenized RWA value, reaching US$37.7 billion in 2025, attention is shifting to trading. Synthetic RWA derivatives and perpetual decentralized exchanges (Perp DEXs) are emerging, facilitating price exposure to nearly any asset with a reliable feed, and turning wallets into cross-market portfolio allocation gateways.

6. Perp DEXs and wallet-native trading

Decentralized perpetual markets grew significantly in 2025, with monthly turnover surpassing US$1 trillion at times. This brought on-chain perpetuals close to 20 percent of centralized derivatives volume.

Wallets are increasingly becoming the main trading platform, integrating execution, context and portfolio management, replacing standalone trading venues.

7. Prediction markets as tradable information

Prediction markets have become key financial infrastructure, with annual volumes over US$40 billion.

They now convert real-world events, like sports or elections, into tradable probability signals containing asymmetric information. Wallets are transforming into event-driven financial interfaces, making it easier for users to express views and manage risk based on these outcomes.

8. Memecoins as an onboarding vector

Memecoins, despite driving new wallet downloads and trading, offer inconsistent liquidity.

As the market matures, wallets are adding advanced tools like address clustering and relationship analysis to help users better understand the emotion, momentum and capital flows of meme trading, aiming to convert speculative activity into sustainable financial behavior.

Investor takeaway

“Crypto is increasingly being used for everyday financial activity,” said Bitget Wallet CMO Jamie Elkaleh.

Elkaleh also noted that Bitget Wallet has embraced this shift, strategically aligning its product architecture around payments and cash management with its unified Pay hub that combines crypto cards, QR payments and bank transfers alongside yield and trading features.

Securities Disclosure: I, Meagen Seatter, hold no direct investment interest in any company mentioned in this article.

This post appeared first on investingnews.com

The Trump administration announced Thursday it was easing sanctions on the Venezuelan oil industry, as the U.S. aims to ramp up production in the South American country following the capture of dictator Nicolás Maduro earlier this month.

The U.S. Treasury said it is authorizing transactions involving the government of Venezuela and state-owned oil company PdVSA that are ‘ordinarily incident and necessary to the lifting, exportation, reexportation, sale, resale, supply, storage, marketing, purchase, delivery, or transportation of Venezuelan-origin oil, including the refining of such oil, by an established U.S. entity.’

The new license includes significant carve-outs, with sanctions remaining fully intact for persons or entities in Russia, Iran, North Korea or Cuba.

It also excludes transactions with blocked vessels, Chinese-owned or controlled entities operating in Venezuela or the U.S., and debt swaps, gold payments, or cryptocurrency payments, including Venezuela’s petro.

The announcement came as President Donald Trump pushes for the expansion of oil production in Venezuela.

‘We have the major oil companies going to Venezuela now, scouting it out and picking their locations, and they’ll be bringing back tremendous wealth for Venezuela and for the United States and the oil companies will do fine too.’ Trump said during a cabinet meeting Thursday.

Trump also announced during the meeting that commercial airspace over Venezuela would reopen, after the Federal Aviation Administration (FAA) released an emergency notice earlier this month blocking civil flight operations by U.S. aircraft over the South American country.

‘I just spoke to the president of Venezuela and informed her that we’re going to be opening up all commercial airspace over Venezuela,’ Trump said. ‘American citizens will be very shortly able to go to Venezuela, and they’ll be safe there and be safe. It’s under very strong control.’

 Earlier Thursday, Venezuela’s government approved opening the nation’s oil sector to privatization, with Acting President Delcy Rodríguez signing the reform into law — a move that reverses a core principle of the socialist movement that has ruled the country for more than two decades.

Fox News Digital’s Diana Stancy and The Associated Press contributed to this report.


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President Donald Trump on Thursday declared a national emergency via an executive order over Cuba, accusing the communist regime of aligning with hostile foreign powers and terrorist groups while moving to punish countries that supply the island nation with oil.

Thursday’s executive order states that the policies and actions of the Cuban government constitute ‘an unusual and extraordinary threat, which has its source in whole or substantial part outside the United States, to the national security and foreign policy of the United States.’

To address that threat, Trump ordered the creation of a tariff mechanism that allows the U.S. to impose additional duties on imports from foreign countries that ‘directly or indirectly sell or otherwise provide any oil to Cuba,’ according to the order.

The White House said the move marks a significant escalation in U.S. pressure on the Cuban government, aimed at protecting American national security and foreign policy interests.

In the order, Trump said Cuba aligns itself with and provides support for ‘numerous hostile countries, transnational terrorist groups, and malign actors adverse to the United States,’ naming Russia, China, Iran, Hamas and Hezbollah.

The administration said Cuba hosts Russia’s largest overseas signals intelligence facility, which the order states attempts to steal sensitive U.S. national security information. The order also says Cuba continues to deepen intelligence and defense cooperation with China.

According to the order, Cuba ‘welcomes transnational terrorist groups, such as Hezbollah and Hamas.’

Trump also cited the Cuban government’s human rights record, accusing the regime of persecuting and torturing political opponents, denying free speech and press freedoms, and retaliating against families of political prisoners who protest peacefully.

‘The United States has zero tolerance for the depredations of the communist Cuban regime,’ Trump said in the order, adding that the administration will act to hold the regime accountable while supporting the Cuban people’s aspirations for a free and democratic society.

Under the order, the Commerce Department will determine whether a foreign country is supplying oil to Cuba, either directly or through intermediaries. The State Department, working with Treasury, Homeland Security, Commerce and the U.S. Trade Representative, will decide whether and how steep the new tariffs should be if so.

Secretary of State Marco Rubio is tasked with monitoring the national emergency and reporting to Congress, while the Commerce Department will continue tracking which countries are supplying oil to Cuba.

In a fact sheet, the White House said the order is designed to protect U.S. national security and foreign policy from the Cuban regime’s ‘malign actions and policies,’ and described the move as part of Trump’s broader effort to confront regimes that threaten American interests.

The administration said the action builds on Trump’s first-term Cuba policy, which reversed Obama-era engagement and reinstated tougher measures against the communist government.

The executive order is set to take effect Friday.

The White House did not immediately respond to Fox News Digital’s request for additional comment.


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President Donald Trump warned the U.K. Thursday against strengthening ties with China, hours after Prime Minister Keir Starmer met President Xi Jinping in Beijing to reset relations after a long period of strain.

Trump’s remarks came as Starmer and Xi had called for a renewed ‘strategic partnership,’ highlighting the pressures facing them amid global instability.

Speaking to Fox News while traveling to Florida for the premiere of first lady Melania Trump’s documentary, Trump was asked about the U.K. ‘getting into business with China.’

‘Well, it’s very dangerous for them to do that,’ Trump said. ‘And it’s even more dangerous, I think, for Canada to get into business with China.’

Trump added that China was not the solution for Western economies despite his personal relationship with Xi. ‘I know China very well. I know President Xi is a friend of mine, and I know him very well, but that’s a big hurdle to get over,’ he said, before joking that Beijing might ban Canada from playing ice hockey. 

‘That’s not good. Canada’s not going to like that,’ he added. 

Trump had previously criticized Canadian Prime Minister Mark Carney after Carney’s visit to China and warned then that ‘China will eat Canada alive.’

Trump’s latest comments followed an 80-minute meeting in Beijing between Starmer and Xi in which the leaders sought to thaw relations after several years of diplomatic chill.

The Associated Press reported that neither leader mentioned Trump directly in their discussions Thursday.

‘In the current turbulent and ever-changing international situation, China and the United Kingdom need to strengthen dialogue and cooperation to maintain world peace and stability,’ Xi told Starmer, according to Chinese state broadcaster CCTV.

Xi also warned that if major powers failed to uphold international law, the world risked sliding into a ‘jungle.’

Starmer said cooperation on climate change and global stability was ‘precisely what we should be doing,’ The Associated Press also reported.

The outlet also reported that Starmer described the meeting as ‘very productive,’ and mentioned progress on whisky tariffs, visa-free travel to China for British citizens and cooperation on migration.

As previously reported by Fox News Digital, Starmer sought Xi’s help to disrupt the supply of China-made small boat engines that the U.K. leader’s office says are used to smuggle people across the English Channel.

He also raised human rights concerns and the Iran nuclear program.

Starmer is the first British prime minister to visit China in eight years and the fourth U.S.-allied leader to do so this month, signaling a push by Beijing to re-engage Western partners.

The visit also came as the U.K. navigates trade alignment with the U.S., defense cooperation in Arctic regions and negotiations over the sovereignty of the Chagos Islands.

In November, the U.S. and China reached a deal easing some tariffs and export controls, boosting U.S. agricultural exports, curbing fentanyl precursor flows and relieving pressure on American semiconductor and shipping companies.

Fox News Digital has reached out to the White House for comment.


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President Donald Trump has filed a $10 billion lawsuit against the IRS, accusing the agency of unlawfully leaking his confidential tax returns in a politically motivated violation of federal privacy laws.

A spokesman for Trump’s legal team told Fox News ‘a rogue, politically motivated’ IRS employee disclosed private and confidential tax information involving Trump, his family and the Trump Organization to outlets, including The New York Times and ProPublica.

The suit claims the disclosures were illegal and harmed millions by violating federal privacy laws.

That contractor at the heart of the leak, Charles Littlejohn, pleaded guilty in October 2023 to a single felony count of unauthorized disclosure of tax return information and is serving a five-year prison sentence.

Littlejohn admitted to stealing and leaking Trump’s tax records to The New York Times and to disclosing confidential tax data involving wealthy individuals to ProPublica.

According to the lawsuit, Littlejohn testified in a 2024 deposition that the Trump materials he leaked included information on all of Trump’s business holdings.

As previously reported by Fox News Digital, Littlejohn refused to testify before Congress, invoking his Fifth Amendment rights while appealing his sentence.

According to a June 2025 Judiciary Committee press release, DOJ prosecutors said Littlejohn’s disclosures were ‘unprecedented in its scope and scale.’ 

This is a developing story. Check back for updates.


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House conservatives are expressing skepticism after Senate Democrats and the White House announced a deal had been reached to fund the government without a long-term Department of Homeland Security funding bill. One House member warned that Republicans should not give in to demands to ‘handcuff ICE.’  

With any deal reached in the Senate needing approval in the House of Representatives, Rep. Mark Harris, R-N.C., told Fox News Digital, ‘[Senate Minority Leader Chuck] Schumer’s current demands, compounded by a lack of conservative priorities, are an absolute non-starter’ in the lower chamber.  

‘With Chuck Schumer’s demands to handcuff ICE and his Democrat colleagues threatening to shut down the government over it, this is yet another example of the radical left prioritizing criminals over American citizens,’ said Harris.

Schumer, D-N.Y., and President Donald Trump labored over a deal from late night Wednesday into Thursday evening after the top Senate Democrat unleashed several funding demands and the White House accused Schumer of blocking a meeting with rank-and-file Democrats.

‘The separation of the five bipartisan bills the Democrats asked for, plus the two-week DHS [continuing resolution] has been agreed to,’ Schumer said in a statement. 

In response, one House conservative remarked to Fox News Digital, ‘We’re still looking at what is being discussed in the deal, but 14 days is awfully short.’

‘We sure think we should be getting something out of this deal when it’s Democrats who are threatening a shutdown, not Republicans,’ the House member said.

Not all House Republicans were against the compromise. Rep. Marlin Stutzman, R-Ind., reacted on X, ‘I stand with @POTUS, a shutdown will only hurt the American people. I will vote YES on this package should it make it through the Senate!’ 

In a Truth Social post on Thursday evening, Trump urged the GOP to agree to the deal, saying, ‘Hopefully, both Republicans and Democrats will give a very much-needed bipartisan ‘YES’ Vote.’

The president added that the ‘only thing that can slow our Country down is another long and damaging Government Shutdown.’ 

‘I am working hard with Congress to ensure that we are able to fully fund the Government, without delay,’ Trump said. ‘Republicans and Democrats in Congress have come together to get the vast majority of the Government funded until September, while at the same time providing an extension to the Department of Homeland Security (including the very important Coast Guard, which we are expanding and rebuilding like never before).’

The deal brokered between the two would see the Department of Homeland Security (DHS) funding bill stripped from the broader six-bill package. Schumer and Democrats have been adamant that if the bill is sidelined, they’d vote for the remaining five, which includes funding for the Pentagon. 

Their agreement also tees up a short-term funding extension, known as a continuing resolution (CR), for two weeks to keep the agency funded while lawmakers negotiate restrictions on Immigration and Customs Enforcement (ICE). 

If passed in the Senate, the deal would still need to pass the House again. With lawmakers there not expected back in Washington until Feb. 2, three days after the Jan. 30 funding deadline, a brief partial government shutdown is all but certain.

Tensions have been boiling over in the House over the prospect of the Senate’s compromise on DHS.

Caucus member Rep. Ralph Norman, R-S.C., told Fox News Digital via text message on Thursday, ‘THE HOUSE DID OUR JOB BY PASSING THE REMAINING SIX APPROPRIATION BILLS TO THE SENATE AND THERE IS NO RATIONAL REASON TO REMOVE DHS FROM THE APPROVAL PROCESS.’

Norman accused Democrats of trying to ‘demonize’ and ‘bludgeon’ DHS, adding, ‘IF THE DEMOCRATS WANT TO SHUT THE GOVERNMENT DOWN, ‘DO IT’!!’

Meanwhile, Mark Bednar, a GOP strategist and former spokesperson for then Speaker Kevin McCarthy, told Fox News Digital, ‘President Trump wants to ensure that our troops, air traffic controllers and DHS patriots are on the job and get paid, and this path will help ensure they do that.

‘It’s now on Democrats to negotiate in good faith with President Trump so that the homeland is secured with a long-term funding bill — because that’s what the American people want and deserve.’

Fox News Digital’s Alex Miller contributed to this report.


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Secretary of State Marco Rubio recently revoked Iranian senior officials and their family members’ privilege to travel to the U.S., citing ongoing oppression by the regime.

Iranian Supreme Leader Ayatollah Ali Khamenei’s regime is accused of killing more than 6,200 protesters since Dec. 28, with nearly 17,100 additional arrests as internet communications remain halted, according to the Human Rights Activists News Agency (HRANA).

‘As the people of Iran continue to fight for their basic rights, [Rubio] took action this week to revoke the privilege of Iranian senior officials and their family members to be in the United States,’ the State Department wrote in an X post. ‘Those who profit from the Iranian regime’s brutal oppression are not welcome to benefit from our immigration system.’

In addition to the potential civil rights violations in Iran, tensions have flared between Khamenei and President Donald Trump, as the U.S. attempts to strike a nuclear deal.

Iranian Foreign Minister Seyed Abbas Araghchi warned on Wednesday the nation’s military is ‘prepared—with their fingers on the trigger—to immediately and powerfully respond to ANY aggression against our beloved land, air, and sea.’

Araghchi claimed that Iran has ‘always welcomed’ a mutually beneficial, fair and equitable nuclear deal that would ensure Iran’s rights to peaceful nuclear technology, and guarantee no nuclear weapons.

Trump fired back on Truth Social, warning a ‘massive’ armada was heading to Iran ‘with speed and violence, if necessary.’

‘Time is running out, it is truly of the essence!’ Trump wrote in a post. ‘As I told Iran once before, MAKE A DEAL! They didn’t, and there was ‘Operation Midnight Hammer,’ a major destruction of Iran. The next attack will be far worse! Don’t make that happen again.’

The president said Thursday night it would be ‘great’ if the U.S. did not have to use the military fleet.

The State Department on Wednesday also demanded Tehran overturn the death penalty for 19-year-old Saleh Mohammadi, a decorated Iranian wrestler who was arrested while peacefully protesting against the regime earlier this month.

Fox News Digital’s Alex Nitzberg contributed to this report.


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Don Durrett of GoldStockData.com explains why gold’s record-setting price run isn’t over.

‘The reason gold is at US$5,000 (per ounce) and going higher is because the US bond market is fragile and becoming more fragile every day,’ he said. ‘But not only that — I’ve said this — it’s going to fail, and that’s why gold keeps going higher and higher and higher.’

Securities Disclosure: I, Charlotte McLeod, hold no direct investment interest in any company mentioned in this article.

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