November 2025 could be a turning point for crypto. From ETFs to major network upgrades, here are six catalysts that could shape the market.
Keep reading
As we move into November 2025, the crypto-market is gearing up for one of its most intriguing phases yet. From spot-ETF momentum to narrative shifts, network upgrades and real-world asset tokenization, multiple catalysts are aligning. Here are six key developments to watch.
1. Seasonality & Historical Momentum Could Kick In
While "Uptober" fell short of expectations, November could tell a different story. Historically, it's been one of the strongest months for digital assets, with Bitcoin in particular averaging +42.31% gains in recent years.
When combined with the renewed ETF narrative, increased whale accumulation, and a stronger appetite for risk assets, market momentum appears to be building. Participants are closely monitoring how these dynamics could influence sentiment, especially as trading volumes and key technical levels come into play. If Bitcoin maintains stability around the $100K zone and Ethereum shows signs of renewed strength, November could become a more active month for crypto markets compared to October.
2. Ether’s Next Move Could Set the Tone for Altcoins
The final weeks of 2025 may prove pivotal for Ethereum (ETH). Although retail accumulation has paused somewhat, wallet-level data shows large holders (1,000 to 100,000 ETH wallets) added roughly 1.6 million ETH in October (around $6 billion), it’s a sign that whales and larger holders are staying active as the year winds down.
If ETH begins to break out or even stabilize around current levels, it could unlock the broader altcoin market, which has been lagging for months. The playbook that many are hoping for is the following one: ETH strength leads to improved risk appetite, which in turn sparks an altcoin rotation as investors seek higher risk exposure.
Ethereum remains the accepted benchmark for gauging sentiment across the non-Bitcoin segment of the market, and its performance frequently acts as a catalyst for capital flows into smaller assets. Keeping an eye on its fundamentals (from staking yield to liquidity shifts on major exchanges) will be important. In many ways, ETH could potentially become the gatekeeper to the next phase of the market’s recovery and the tone-setter for the coming months.
3. ETF Comeback After Delays
The recent U.S. government shutdown briefly froze several crypto-spot ETF filings, leaving the “ETF narrative” in suspense. But now the pause is over for Bitwise’s Spot Solana ETF. It has finally launched with strong early inflows, and the broader momentum is returning.
With this foundation, November could reignite the ETF trade in earnest, we may finally see filings for Ethereum staking products, new spot-Bitcoin funds and renewed institutional interest. If filings begin to stack up and regulatory engagement deepens, this could mark the next major inflection for how crypto is accessed in traditional portfolios.
4. Altcoins at an Inflection Point
The broader altcoin sector enters November under pressure as the Altcoin Season Index sits near 29, signaling a reset after October’s downturn. But inflection points often follow pressure. If ETH sets the tone (as many are hoping for), mid-cap and high-beta altcoins (such as SOL, AVAX, NEAR) could begin to capture rotation flows.
Traders might want to watch for flow changes such as increased volumes, wallet relocations and new project launches. While caution is still prevailing, this may be the window where sentiment begins to swing back into “altcoin season”.
5. Major Network Upgrades
Technical infrastructure is not just background noise; it often creates catalyst-events. For example, Ethereum’s upcoming Fusaka Upgrade (scheduled for early December) is designed to increase layer-2 data capacity and reduce transaction costs.
Meanwhile, various Layer-2 ecosystems are preparing upgrades and cross-chain activations. One such upgrade, Shibarium Upgrade’s security overhaul on the Shiba Inu network. These events may ignite renewed network activity, developer interest and capital flows into ecosystems ready to scale.
6. Real-World Asset (RWA) Tokenization Accelerates
The tokenization of real-world assets (RWAs), such as real estate, bonds, equities, is moving from niche to mainstream. For instance, according to Standard Chartered, this market is projected to grow to around $2 trillion by 2028. Institutional interest is burgeoning, and regulatory frameworks are emerging.
As November unfolds, we may see announcements of large tokenization initiatives or new platforms bridging DeFi and traditional finance. For crypto holders and ecosystem observers, this means the familiar “crypto only” narrative is expanding into real-asset integration, a meaningful broadening of the opportunity set.
The Verdict
November 2025 is shaping up to be more than just another month. Spot-ETFs potential, ETH’s path, altcoin rotation, seasonal tailwinds, infrastructure upgrades and RWA tokenization all sit in motion. Each one individually is significant; together they create a multi-vector setup.
For those in the crypto space, whether you're holding long-term, actively trading, or building the next wave of infrastructure, November is likely to be eventful. This isn't a month to coast on autopilot. Track where capital is flowing. Pay attention to which narratives are gaining momentum and which are fading. The players are moving, and the pieces are falling into place.
NEWS AND UPDATES
LATEST ARTICLE
Did you know that there are 6 unique money personalities, with each one playing a heavy role in your ability to handle and manage money? In this article we’re taking a look at each one, helping you not only identify which category you fall into but also recognize where you can improve your money management practices.
What is a financial personality and how does it affect money management?
A financial personality looks at the big picture of how you handle your money. From how you think about money, the views that guide your actions, and the actions that stem from your beliefs. It's not just about how much money you have; it's also about how effectively you handle the money that comes into your life.
Money management is a learned skill so don't feel disheartened if this doesn't come naturally to you. Sure starting early influences financial habits, but that doesn't mean that these skills can't be learned over time.
These financial personalities are built around a set of traits and characteristics that shape a particular style of money management. They're designed to help us become more aware of our behavior, keep our personalities in check when red flags trigger a knee-jerk reaction and assist us in achieving a healthier financial future.
These personalities coincide with the five main personality traits that are often used when reviewing someone's financial status: conscientiousness, neuroticism, extraversion, agreeableness, and openness to experience. Used by researchers, these traits help to shape how one might handle money.
Each top 6 financial personality reflects traits of the following
The six types of financial personality are based on your personal financial habits and include The Saver, The Spender, The Investor, The Dreamer, The Optimist, and The Pessimist. Each financial personality speaks volumes about how one views and acts with money.
1. The Saver
If you're a saver, you've already established yourself as someone who is good at saving money. You have a natural ability to save money and concentrate on long-term objectives. You know exactly how much money you want to save each month, and you stick to your plan even when tempted away from it.
You are practical with your savings as a saver. One of the things you might have done is to make direct debits from your bank account to a savings account or wealth management solution.
2. The Spender
Spenders are impulsive and rash. They're not great at handling money, either. They don't save well, invest, or budget. They're more interested in ways to generate income versus growth. You're likely a spender if you struggle with these financial decisions.
Spenders are focused on short-term pleasures and luxury items. They find it difficult to save since they're so concentrated on pleasuring themselves right now.
3. The Investor
You can take advantage of investment opportunities as they arise, even if they appear risky or complex. You keep an eye on the market and stocks to make sure that any investments that aren't performing are removed from your portfolio. They're down for both aggressive or conservative investments.
Investors are enticed by the potential return on investment; they desire high returns without too much risk—so, if they see two alternative investment options with equal potential gains but one with greater risk, they'll pick option B every time.
4. The Dreamer
Dreamers are usually content with what they have and understand how to manifest their desires. The difficult part is not allowing emotions to control spending or budgeting decisions. Instead, dreamers develop a plan and stick to it - no matter the temptation.
If you consider yourself a Dreamer, your financial habits are likely to be the ones that will make you financially successful. Dreamers are usually intuitive and have a clear idea of what will make them happy in relation to their finances. They come up with creative ways to put their plan into action.
5. The Optimist
Optimists are individuals who believe that good things will occur. They tend to have a happy disposition and see the silver lining in every situation. Optimists are more likely to be wealthy financially than other personality types since they save money and make investments, take calculated risks, and generally have a talent for making money.
Surprisingly, optimists tend to have not only better physical health and happiness but also greater financial success! It may sound too good to be true, but there is data to back this claim up. Studies show that optimism and wealth often go hand-in-hand. For example, one study found that people who are optimistic about the future make more money than those with a negative outlook.
6. The Pessimist
The last distinctive financial personality on the list is the pessimists. They are always looking for ways to save money, and they don't just stop at finding opportunities. Financial wellbeing is important and they always anticipate needing to save. If you're a pessimist, then you're probably thinking of ways to cut costs right now.
Although pessimists might come across as boring, they have great financial stability because they never spend money on unnecessary things and shy away from risks.
Pessimists always think ahead. The Boy Scouts of financial personalities, they're cautious and they plan for the worst-case scenario so that they'll be ready to handle it if it ever happens.
How these financial personalities can help with managing money
Understanding which category (or categories) you fit into will give you a greater understanding of how you might react in a situation demanding your attention.
With greater self-awareness comes a greater understanding of how one might make decisions pertaining to their finances. If you want to make more informed decisions about your finances, begin by taking the time to learn about your relationship with money.
Tap partners with Total Processing to allow Visa debit deposits, improving its customer’s experience
Tap, the dynamic fintech platform can now offer its customers the ability to top up their accounts via Visa card deposit thanks to its new partnership with Total Processing, a leading payments specialist.
This strategic partnership offers Tap customers a new and improved way to effortlessly replenish their accounts, further enhancing the platform's reach, accessibility and convenience.
Renowned for its crypto-inclusive financial solutions, Tap provides a user-friendly platform to allow its customers worldwide to easily manage their crypto and fiat assets. The company is thrilled with its latest collaboration with Total Processing, an award-winning payment processing company that focuses on a customer-centric approach to offer a seamless payment solution.
By integrating Total Processing's innovative payment offering, Tap extends this enhanced service to hundreds of thousands of customers, allowing them to directly fund their Tap accounts using Visa cards. Moreover, Tap continues to provide the flexibility of Mastercard and bank transfer deposit options, serving users in over 40 countries.
The decision to partner with Total Processing aligns with Tap's dedication to delivering a superior user experience. In response to some users experiencing issues with Visa card deposits, the fintech platform has seamlessly transitioned to Total Processing as its new trusted payment processor for frictionless Visa card loading. This move underscores Tap's commitment to delivering high-quality financial services to its valued customer base.
This enhancement is effective immediately and extends across all the 40+ countries where Tap operates. The company remains dedicated to delivering professional and world-class financial solutions, ensuring its users have access to a seamless and efficient experience.
Kriya Patel, CEO of Tap, commented, "Tap is highly committed to providing a best-in-class offering for our customers, and Total Processing delivers the perfect partnership to help achieve this goal. Tap looks forward to working closely with Total Processing to further enhance our customer-focused, innovative payment solutions."
Alex Leigh, Co-founder of Total Processing, added: "We are excited to join forces with Tap in this strategic partnership, as it aligns perfectly with our commitment to customer-centric payment solutions. This collaboration empowers Tap's users with seamless Visa card deposit options, reinforcing our dedication to a frictionless payment experiences."
-ENDS-
About Tap
Tap is a pioneering force in the convergence of the cryptocurrency economy and traditional financial systems, striving to establish an equitable, accessible, and transparent financial landscape. Since its inception in 2018, Tap has been guided by the bold vision that individuals worldwide should enjoy effortless and secure management of their fiat and cryptocurrency assets. Presently, Tap offers a reliable and user-friendly platform that harmoniously integrates various financial services into a single, convenient hub.
For more information on Tap, visit: www.withtap.com
About Total processing
Founded in 2015, Total Processing is a leading provider of intelligent payment solutions that enable businesses to streamline their payment workflows, reduce costs and boost revenue. The company offers a range of payment processing services, including recurring payments, 198+ alternative payment methods, an agnostic payment gateway, risk prevention tools and in-depth transaction data, all managed within a unified platform.
With a focus on its customers, it provides adaptable solutions and a user-friendly interface to ensure smooth payment processing for its merchants.
For more information on Total Processing, visit: www.totalprocessing.com
Om du är ny i finansvärlden – ingen fara. Det är lätt att känna sig vilse bland alla begrepp och förkortningar som slängs runt. I den här guiden går vi igenom några av de vanligaste uttrycken, förklarade på ett enkelt och begripligt sätt. Låt oss hjälpa dig att förstå finansjargongen, steg för steg.
APR (Årlig räntesats)
APR står för Annual Percentage Rate – den årliga effektiva räntan. Det är den totala kostnaden för att låna pengar, inklusive både räntan och eventuella avgifter. Genom att jämföra APR mellan olika lån får du en rättvis bild av vad lånet faktiskt kostar dig.
ATM (Bankomat)
ATM står för Automated Teller Machine, alltså bankomat. Enheten gör det möjligt att ta ut kontanter direkt från ditt konto. Även om vi använder kontanter allt mindre, kan bankomater vara ovärderliga när du reser. Med ett kort kopplat till både fiat och krypto kan du ta ut lokal valuta direkt – smidigt och tryggt.
BACS (Banköverföring i Storbritannien)
Bankers Automated Clearing Services, eller BACS, är ett brittiskt system för elektroniska betalningar mellan bankkonton. Det gör överföringar smidigare och säkrare – oavsett om du betalar räkningar, gör löneutbetalningar eller skickar pengar till ett företagskonto.
BIC (Bankidentifieringskod)
Business Identifier Code, eller BIC, är en internationell bankkod som används för att identifiera banker i globala transaktioner. Tillsammans med IBAN ser BIC till att dina pengar når rätt bank på ett säkert sätt, oavsett var i världen mottagaren befinner sig.
Utdelning
En utdelning är en del av vinsten som ett företag betalar ut till sina aktieägare. Om du äger aktier i ett bolag som går med vinst, kan du få utdelning – ett sätt att få extra avkastning på dina investeringar.
FCA (Finansiella tillsynsmyndigheten i Storbritannien)
Financial Conduct Authority är Storbritanniens tillsynsmyndighet för finansbranschen. FCA säkerställer att banker, försäkringsbolag och andra aktörer följer reglerna, skyddar konsumenter och främjar sund konkurrens.
Eget kapital (Equity)
Eget kapital representerar din ägarandel i något – till exempel ett företag eller en fastighet. I ett bolag betyder det de aktier du äger. Inom fastigheter är det skillnaden mellan bostadens värde och eventuella lån på den.
Växelkurs (Exchange rate)
En växelkurs visar hur mycket en valuta är värd i förhållande till en annan. Den påverkar både priser på utlandsresor och internationella transaktioner – och är något alla som hanterar olika valutor behöver ha koll på.
IBAN (Internationellt bankkontonummer)
International Bank Account Number, eller IBAN, är ett unikt kontonummer för internationella betalningar. IBAN består av ett landskod, kontrollsiffror och uppgifter om mottagarens bank och konto – allt för att pengarna ska hamna rätt.
ISA (Individuellt sparkonto)
Ett Individual Savings Account, eller ISA, är ett brittiskt spar- och investeringskonto där avkastningen är skattefri. Det kan liknas vid en svensk ISK eller kapitalförsäkring, och är populärt för långsiktigt sparande.
Inflation
Inflation innebär att priserna stiger över tid. Det gör att pengarna minskar i värde – du får alltså mindre för samma summa. Att förstå inflation är viktigt för att planera sin ekonomi och skydda köpkraften.
Fonder (Mutual Fund)
En fond är som ett investeringspaket. Den samlar pengar från många investerare och placerar dem i aktier, obligationer eller andra tillgångar. På så vis får du tillgång till en bred portfölj utan att behöva välja enskilda värdepapper själv.
Nettoresultat (Net Income)
Nettoresultat, även kallat vinst eller resultat, visar hur mycket pengar som är kvar efter att alla utgifter dragits från intäkterna. Det är ett viktigt nyckeltal som visar hur lönsamt ett företag är.
Remittering (Remittance)
Remittering handlar om att skicka pengar mellan länder – till exempel när någon i Sverige skickar pengar till familj i ett annat land. Remittering är särskilt vanligt från utvecklade länder till utvecklingsländer.
Roth IRA (Pensionssparande i USA)
En Roth IRA är ett amerikanskt pensionskonto där man sparar med redan beskattade pengar. Fördelen? När du går i pension är både insättningarna och vinsten skattefria. Ett populärt sparalternativ i USA.
SEC (Finanstillsyn i USA)
Securities and Exchange Commission, eller SEC, är USA:s myndighet för tillsyn över finansmarknaderna. Den bevakar börser, investeringsbolag och ser till att regler följs – ungefär som FCA i Storbritannien.
SEPA (Europeiska betalsystemet)
Single Euro Payments Area, eller SEPA, gör det enklare att skicka och ta emot euro inom EU och EES. Det fungerar nästan som inhemska överföringar – snabbare, billigare och smidigare.
SWIFT-kod
Society for Worldwide Interbank Financial Telecommunication, eller SWIFT, är det globala kommunikationsnätverket som banker använder för att skicka betalningsinstruktioner till varandra. SWIFT-koder ser till att dina pengar når rätt bank – snabbt och säkert.
Sammanfattning
Att förstå finansjargong ger dig verktygen att fatta smarta beslut om dina pengar. Oavsett om du sparar, investerar eller bara vill ha bättre koll på dina bankärenden, är det ovärderligt att kunna tolka termer som SWIFT, BIC eller APR. Med rätt kunskap i bagaget blir ekonomin mindre krånglig – och mycket mer hanterbar.