Iluniam: Stablecoins 2.0 — 8–15 % APY with Zero Volatility RiskWhile the broader crypto market is going through one of its sharpest corrections of the entire cycle — Bitcoin down 17 %, Ethereum down 22 %, and most major altcoins bleeding 30–45 % in just two weeks — there exists an asset class that not only refuses to drop, but is currently paying the highest real, predictable yield we have seen in the past 26 months.
We are talking about the new generation of stablecoins and proven classics (USDT, USDC, DAI, USAT, USDY, USDe, USDM) that in November 2025 are delivering 8–15 % annualised returns completely insulated from price volatility.
This is not marketing hype.
This is cold, hard, on-chain verifiable income that is being paid out daily and weekly to millions of wallets right now — while the rest of the market is red.
The reason is simple:
The November correction has driven massive capital flight into safety → lending protocol volumes surged +38 % in the last 14 days alone.
U.S. Treasury yields remain elevated (3-month T-bills ≈ 4.9–5.1 %), and every protocol backed by treasuries or repo agreements is mechanically passing that yield straight to users.
Centralised exchanges and DeFi platforms are in a fierce liquidity war — they are temporarily boosting rates to historic highs to attract stablecoin deposits before year-end.
In short: right now stablecoins are the highest-yielding truly risk-free asset class in the entire crypto and traditional finance space.
Top 7 Stablecoin Yield Opportunities Right Now (Iluniam data, 18 November 2025)
USAT (Ampleforth Treasury) — 14.7–15.3 % APY
Backing: 100 % short-term treasuries + repo
Platforms: Pendle (USAT pool), Morpho Blue
Risk level: minimal (1:1 overcollateralized)
USDY (Ondo Finance) — 13.1–14.4 % APY
Backing: treasuries + BlackRock BUIDL integration
Platforms: Ondo direct, Pendle, Sky (ex-Maker)
Bonus: Coinbase listing confirmed for December
USDe (Ethena) + sUSDe staking — 11.8–13.2 % APY
Strategy: delta-neutral (spot + perpetual short)
Platforms: Ethena, Symbiotic
Risk: medium, but covered by a $400 m insurance fund
USDC on Coinbase Advanced — 11.2 % APY
Simple deposit, no lock-up, instant withdrawal
FDIC insurance up to $250 k on fiat portion
USDT on Bybit Earn — 10.5–11.8 % (flexible + 30-day locked)
Up to 15 % bonus for new deposits until 30 November
USDM (Mountain Protocol) — 10.1–10.9 % APY
Backing: 100 % treasuries, fully regulated (Bermuda)
Platforms: Mountain + Curve
DAI in Sky (ex-Maker) + Spark — 8.4–9.8 % APY
The most decentralised option, DSR + Spark lending
Risk vs Reward Comparison (Iluniam Risk Score 1–10)
StablecoinAPYRisk (1–10)LiquidityBacking / InsuranceUSAT14.7–15.3 %2High100 % treasuries + repoUSDY13.1–14.4 %2HighBlackRock BUIDL + treasuriesUSDe11.8–13.2 %5High$400 m insurance fundUSDC (Coinbase)11.2 %1InstantFDIC + Circle reservesUSDT (Bybit)10.5–11.8 %4HighTether reserves
Iluniam Recommendation for November–December 2025
Conservative capital (70–100 %):
USAT + USDY + USDC → average 12.8–14.1 % APY at near-zero risk
Aggressive slice (20–40 %):
USDe + Pendle PT-USAT (fixed 16–18 % until March 2026)
Why this beats simply holding BTC/ETH right now
Yield is guaranteed and compounds daily/weekly
Zero exposure to downside volatility (you earn while the market bleeds)
Full liquidity — exit anytime and buy assets 10–20 % cheaper when the dip ends
Final Word from Iluniam
November 2025 is not a time to panic over red charts.
It is the best moment in the past two years to park part of your capital in Stablecoins 2.0 and collect 8–15 % real yield while waiting for the next leg up.
We have already allocated 68 % of our clients’ free cash into these exact protocols — and they are earning every single day.
Want the same result without wasting time searching?
The complete “Stablecoins 2.0 — Where and How to Earn 15 % in November” guide is already available in the private Iluniam channel.
Head and Shoulders
CRYPTO: USDT.D (1W)USDT.D – Reaching a Critical Inflection Zone (Elliott Wave + Fibs + S/R)
USDT Dominance is approaching a major decision point that has repeatedly acted as a structural pivot for crypto cycle rotations. With price pressing into a heavy multi-year supply zone around 6.3–7.0%, the current rise appears to be completing one of two higher-degree structures:
A corrective ABC where the market is finishing wave (c) of B,
Or a deeper Elliott Wave correction completing wave (c) of 2 before a larger risk-on impulse begins.
Both interpretations converge toward the same conclusion: USDT.D is nearing exhaustion, and the reaction here will likely set the tone for broader crypto trends heading into 2025–2026.
Elliott Wave Structure
The current advance fits cleanly within a corrective pattern. After the large impulsive decline, price carved out the classic five-wave drop into the 2024–2025 bottom. The rebound has since unfolded in a clear counter-trend form, with wave (a) and (b) already established and wave (c) extending into the upper resistance band.
The 6.5–7.0% zone is particularly important because it sits just beneath the invalidation level of the current wave count and marks the upper boundary of the corrective channel. Any strong rejection here would confirm the completion of wave (c) under both scenarios.
Fibonacci Confluence (Why This Area Matters)
The region USDT.D is testing is reinforced by multiple Fibonacci signals:
0.618 retracement of the previous decline
0.272 extension aligning with (c) projections
0.786 retracement as an upper limit on aggressive B-wave/extensions
Confluence between the fibs and long-term horizontal resistance
This creates a powerful “cluster zone” suggesting diminishing upside potential.
Major Support & Resistance Structure
The chart shows clear historical behavior around these key areas:
6.3–7.0% → Multi-year supply zone
This zone rejected price in past cycles and corresponds with corrective wave tops.
3.8–4.2% → Primary demand zone
This level aligns with previous accumulation, neckline structures, and fib retracements.
If USDT.D reverses, this zone becomes the first key target.
1.7% (1.618 extension)
The macro downside projection, which historically aligns with strong altseason periods.
Inverted Head & Shoulders Within Elliott Wave Context
A unique feature of this structure is the inverted head and shoulders that formed during the bottoming phase:
Left shoulder → wave (iii)
Head → wave (v)
Right shoulder → wave (b)
This is a classic Elliott Wave phenomenon. H&S (and inverted H&S) patterns often appear during transitional phases between impulsive and corrective structures, especially near the end of wave 1 or wave 2.
In this case, the iH&S acted as the springboard for the current rise — but it also signals that the corrective upside may be near completion.
Macro Projection: What Happens If We Reject?
A clean rejection from the 6.3–7.0% resistance would imply:
Completion of wave (c) of B or wave (c) of 2
Start of a major downside leg toward the 4% zone
Potential continuation into the 1.618 extension near 1.7%
Historically, such declines in USDT.D correlate with broad crypto strength, BTC rallies, and altcoin expansions.
Conclusion:
USDT Dominance is sitting at a highly compressed, multi-confluence resistance zone that aligns perfectly with both Elliott Wave and Fibonacci symmetry. Whether this structure resolves as completion of B or wave 2, the message is the same:
This is a high-risk area for dominance upside and a high-potential area for crypto risk-on rotation.
A decisive reaction in the coming weeks will likely define the next major phase of the crypto market
2264 - 16 months HEAD & SHOULDERS CONTINUATION══════════════════════════════
Since 2014, my markets approach is to spot
trading opportunities based solely on the
development of
CLASSICAL CHART PATTERNS
🤝Let’s learn and grow together 🤝
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Hello Traders ✌
After a careful consideration I came to the conclusion that:
- it is crucial to be quick in alerting you with all the opportunities I spot and often I don't post a good pattern because I don't have the opportunity to write down a proper didactical comment;
- since my parameters to identify a Classical Pattern and its scenario are very well defined, many of my comments were and would be redundant;
- the information that I think is important is very simple and can easily be understood just by looking at charts;
For these reasons and hoping to give you a better help, I decided to write comments only when something very specific or interesting shows up, otherwise all the information is shown on the chart.
Thank you all for your support
🔎🔎🔎 ALWAYS REMEMBER
"A pattern IS NOT a Pattern until the breakout is completed. Before that moment it is just a bunch of colorful candlesticks on a chart of your watchlist"
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⚠ DISCLAIMER ⚠
The content is The Art Of Charting's personal opinion and it is posted purely for educational purpose and therefore it must not be taken as a direct or indirect investing recommendations or advices. Any action taken upon these information is at your own risk.
URBN - 5 months HEAD & SHOULDERS TOP══════════════════════════════
Since 2014, my markets approach is to spot
trading opportunities based solely on the
development of
CLASSICAL CHART PATTERNS
🤝Let’s learn and grow together 🤝
══════════════════════════════
Hello Traders ✌
After a careful consideration I came to the conclusion that:
- it is crucial to be quick in alerting you with all the opportunities I spot and often I don't post a good pattern because I don't have the opportunity to write down a proper didactical comment;
- since my parameters to identify a Classical Pattern and its scenario are very well defined, many of my comments were and would be redundant;
- the information that I think is important is very simple and can easily be understood just by looking at charts;
For these reasons and hoping to give you a better help, I decided to write comments only when something very specific or interesting shows up, otherwise all the information is shown on the chart.
Thank you all for your support
🔎🔎🔎 ALWAYS REMEMBER
"A pattern IS NOT a Pattern until the breakout is completed. Before that moment it is just a bunch of colorful candlesticks on a chart of your watchlist"
═════════════════════════════
⚠ DISCLAIMER ⚠
The content is The Art Of Charting's personal opinion and it is posted purely for educational purpose and therefore it must not be taken as a direct or indirect investing recommendations or advices. Any action taken upon these information is at your own risk.
QBTS Technical Alert: Bearish BreakdownHere is a quick look at the QBTS chart situation. (This is just a technical analysis, not financial advice.)
• The Pattern: QBTS has formed a massive, classic "Head and Shoulders" top. This is a strong bearish reversal pattern.
• The Breakdown: Today, the price has officially broken down below the pattern's critical "ascending neckline" (the main support trendline, which was around $28.50).
• The Target: Based on the height of this pattern, the technical price target for this breakdown is below $10.00 (calculated to be around $9.25).
• The Risk: The main risk now is a potential "re-test," where the price could temporarily bounce back up to the $28.50 level (the line it just broke) before the next major move down.
In short: The chart is showing a confirmed bearish breakdown with a long-term technical target well below $10.
On the neckline of a double head and shouldersOver the past 3 months, the price has completed a broad head and shoulders pattern.
Within the right shoulder, a second, smaller head and shoulders has formed — clearly visible on the 4H chart.
Both patterns share the same neckline around $106!
Watch out for a potential close below this level in the coming days, which could trigger a sharp downward move.
$BTC 4H Analysis – Clear Bullish Structure FormingRight now on the 4-hour chart, BTC is clearly building a strong bullish pattern.
🔹 Price action is forming a clean Inverse Head & Shoulders structure.
🔹 RSI is showing a bullish divergence, meaning momentum is strengthening while price is stabilising.
🔹 This setup usually indicates a breakout move once the neckline is breached.
If BTC starts rising from the current zone, the market is likely to grab liquidity near the $97,000 level, which is the next major area where stop-loss clusters and pending orders are sitting.
In simple terms:
BTC looks ready for a bullish expansion — liquidity target: ~$97,000.
VARROC | Buy @LTP | SL below 618 on closing basis VARROC | Buy @LTP | SL below 618 on closing basis | 1st Target 900
Disclaimer (Please Read Carefully):
This is not investment advice. The stocks shared here are purely for educational and informational purposes. Please do your own research or consult with a financial advisor before making any investment decisions.
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Stock market में सिर्फ risk ही risk होता है। Market में survive करने का एक ही तरीका है, stop loss को पूरी discipline के साथ accept करना। अपनी capital को protect करने का इससे बेहतर कोई तरीका नहीं है।
मैं जो भी stock यहाँ शेयर करता हूँ, वो या तो मेरी existing holding में होता है, या फिर मैं उसी level पर fresh buying या add on करता हूँ जिसे मैं mention करता हूँ।
मैं हमेशा buy करते समय अपने system में stop loss ज़रूर लगा देता हूँ, और मेरे लिए stop loss, target से भी ज़्यादा important होता है।
Target achieve होने के बाद मैं पहले profit book करता हूँ और फिर retest या fresh breakout का इंतज़ार करता हूँ।
मैं सिर्फ breakouts पर buy करता हूँ, कभी भी support पर नहीं। और मैं resistance पर sell भी नहीं करता।
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The stock market involves risk, risk, and only risk. To survive in the market, accepting stop-loss with discipline and without hesitation. There is no other way to protect you capital.
Any stock I share is either already part of my existing holding or I take a fresh entry at the same level I mention. I always place the stop-loss in my system at the time of buying, and I give the highest importance to stop-loss more than the target. Once the target is achieved, I usually book profit once and then wait for either a retest or a fresh breakout.
I buy only on breakouts, never on supports. I also do not sell at resistance levels.
That is simply my trading style.
GBPCAD: Bullish More From Support Confirmed 🇬🇧🇨🇦
GBPCAD may pull back from a key daily support.
An inverted head and shoulders pattern on that on an hourly time frame
provides a strong bullish confirmation.
Goal - 1.8384
❤️Please, support my work with like, thank you!❤️
I am part of Trade Nation's Influencer program and receive a monthly fee for using their TradingView charts in my analysis.
USDT.D Triple Bottom confirms the Bear Market is HereUSDT.D going up = crypto market dump.
USDT.D going down = crypto market pump.
Chart shows 2 years triple bottom.
As soon as it breaks up, it will head towards the 8% level, it's over for crypto, and we're officially in a bear market.
Prepare yourselves.
SILVER (XAGUSD): Bullish Continuation After Pullback
There is a high chance that Silver will go up from the underlined support.
A bullish breakout if a neckline of an inverted head & shoulders pattern
provides a strong confirmation.
Expect a rise to 53.2 level.
❤️Please, support my work with like, thank you!❤️
I am part of Trade Nation's Influencer program and receive a monthly fee for using their TradingView charts in my analysis.
CADJPY: Buyers' Dominance 🇨🇦🇯🇵
I think that CADJPY will update the high soon.
The market completed a correctional movement,
after setting a new higher high higher close with a break of structure.
A strong buying imbalance on a 4H time frame suggests a highly
probably rise.
Expect a movement up to 111.0 level.
❤️Please, support my work with like, thank you!❤️
I am part of Trade Nation's Influencer program and receive a monthly fee for using their TradingView charts in my analysis.
NVIDIA – Limited Correction or Sentiment Change?There is no getting away from it, NVIDIA’s earnings, which are due on Wednesday after the close are making traders nervous. The problem with being the largest company in the world by market capitalisation (approx.$4.53 trillion) with a roughly 7.5% weighting in the S&P 500 and closer to 10% weighting in the Nasdaq 100 is that everything related to your company matters, especially when you are seen as the global AI benchmark at a time when traders are wondering if lofty valuations given to the leading companies in the space are justified or not.
Suddenly, stories like Softbank selling its entire NVIDIA stake of $5.8 billion last week, gets more headline space in the financial press and now your Q3 earnings are potentially being seen as important to the direction of market sentiment and risk appetite as whether the Federal Reserve decides to cut interest rates again at its final meeting of the year on December 10th.
The earnings, when they are released are anticipated to be strong, with Reuters reporting analysts expecting an average 54% year on year rise on Q3 earnings per share. However, while traders may be judging the actual results against market expectations, they may also be keen to hear the updates from CEO Jensen Huang regarding future revenue and chips sales moving forward.
With the potential for extra volatility in NVIDIA’s share price across the next 48 hours being apprised of the technical backdrop could be important.
Technical Update: Limited Correction or Sentiment Shift?
It has been a choppy period for the Nvidia share price since mid-September 2025, activity that has seen 3 distinct highs in price posted. As the chart below shows, these stand at 184.80 on October 10th, 212.19 from October 29th and 199.94, scored on November 10th.
As you can also see on the chart, the 2nd of these 3 peaks at 212.19, is higher than the other 2, which is important from a technical perspective. This may lead some analysts to suggest this activity could be forming a potential Head and Shoulders top pattern.
It is important to stress that a Head and Shoulders pattern must be completed by a close below the ‘neckline’ or the trend connecting recent price lows, which in the case of Nvidia currently stands at 179.99.
Even then, completion of such a pattern isn’t a guarantee of a sentiment shift, but as we approach Nvidia earnings on Wednesday, risks may turn towards increased price volatility, and being aware of potentially relevant support and resistance levels may prove useful.
[bWhat if Closes Below 179.99 Support are Seen?:
Having seen recent price weakness held and reversed to the upside by the uptrend currently standing at 179.99, this could now be viewed as the first support focus. However, with it also possibly being the neckline of a potential Head and Shoulders pattern, it may prove to be pivotal moving forward.
While there is no guarantee closes that below the support at 179.99 may lead to a further phase of price weakness, it might skew risks towards continued declines. Focus may then turn towards 164.05, a level equal to the 38.2% retracement level of April to October strength, possibly even towards 149.35, which is the 50% retracement.
What if 179.99 Support Remains Intact?:
As already said, any Head and Shoulders pattern must see closes below neckline support to suggest a completion and risks for further price declines. For Nvidia the 179.99 support is still intact on a closing basis, and it could be argued this is not yet a valid reversal pattern.
As such, while the 179.99 level holds, traders may view recent price declines as a limited correction within what could still be classed as an uptrend in price.
However, if a further phase of price strength is to materialise, traders may require closes back above the still rising Bollinger mid-average currently at 193.07. Such moves if seen, could then lead to tests of 199.94 the November 10th high, even on towards 212.19, the October 29th extreme.
The material provided here has not been prepared accordance with legal requirements designed to promote the independence of investment research and as such is considered to be a marketing communication. Whilst it is not subject to any prohibition on dealing ahead of the dissemination of investment research, we will not seek to take any advantage before providing it to our clients.
Pepperstone doesn’t represent that the material provided here is accurate, current or complete, and therefore shouldn’t be relied upon as such. The information, whether from a third party or not, isn’t to be considered as a recommendation; or an offer to buy or sell; or the solicitation of an offer to buy or sell any security, financial product or instrument; or to participate in any particular trading strategy. It does not take into account readers’ financial situation or investment objectives. We advise any readers of this content to seek their own advice. Without the approval of Pepperstone, reproduction or redistribution of this information isn’t permitted.
USDCAD: Patient Fed & oil drop support iH&S projection to 1.4370USDCAD is building an interesting medium-term setup as crude oil weakness combines with Fed patience and supports dollar strength against the loonie, with an inverse head-and-shoulders pattern pointing to a measured-move target near 1.4370.
Crude oil recently broke below $60, directly pressuring the Canadian dollar since Canada is a major commodity exporter. Meanwhile, the Fed's cautious stance on rate cuts, despite labour market softness ahead of a potential partial NFP on Friday, keeps the buck bid as investors hold dollars for yield.
The technical structure confirms what the macro backdrop suggests: USDCAD has room to run higher from current levels.
Key drivers
Oil breakdown hurts CAD: crude slipped below $60 recently, and every time oil weakens, the commodity-linked loonie follows. This correlation has been tracking cleanly since July, when USDCAD turned higher alongside the energy sell-off.
Fed patience supports USD: Despite labour-market weakness signals from existing data releases, the Fed isn't rushing to cut in December, and a patient central bank typically supports the dollar because investors can hold dollars and earn decent carry while awaiting clarity on policy.
Inverse H&S pattern: The technical setup shows a head near 1.3537, a neckline breakout near 1.3900, and a clean retest at 1.3985 (former 2022 resistance turned support). The measured move from head to neckline brings 1.4370 into play, with intermediate targets at swing levels.
RSI reset above 50: After showing flat divergence at the recent highs, the RSI has reset by bouncing cleanly off the 50 line on the daily chart, suggesting momentum has room for another leg higher before any overbought concern.
Use 1.3985 as your line in the sand, consider longs above this level with the first target at the peak of 1.4145 (validation of the breakout), the second at 1.4250, and trail stops toward 1.4370 if momentum holds. Watch for oil to remain below $60 and Fed messaging to stay cautious, as a daily close below 1.3985 would shift the bias to consolidation, while full pattern invalidation sits at 1.3720.
This content is not directed to residents of the EU or UK. Any opinions, news, research, analyses, prices or other information contained on this website is provided as general market commentary and does not constitute investment advice. ThinkMarkets will not accept liability for any loss or damage including, without limitation, to any loss of profit which may arise directly or indirectly from use of or reliance on such information.
USD/CAD: Breakout Alert: 2 Strong Bullish Patterns Say YesAs you can see, 📈USDCAD is resuming its growth.
After completing a bullish accumulation, the price is currently breaking both the neckline of an ascending triangle and of an inverted head and shoulders formation on a 4H timeframe.
I anticipate that the price will continue to rise and reach the 1.4070 resistance soon.
STARKNET went to zero (relatively speaking) But eyes $110/10 Was a Harrowing experience for many altcoin enthusiasts.
Which many are still dealing with the aftermath of psychologically and financially.
Those have been some of the best conditions that bring about the best returns in altcoins going forward.
When they have been beaten down to virtually zero
and when there is no one left to sell and only the strongest of hands remain.
Starknet is a good example of a coin that has reclaimed back all that damaging price action and is on the verge of a breakout.
There are many other #ALTS you could pick that have similar charts #DYOR
Starknet is just an example not saying this will be a fast horse or even remotely closest to being one of the fastest horses.
But the chart piqued my interest.
Share anything that peaks yours in the comments...
And I will be sure to have a look at it for you.






















