GM. This is Milk Road, your cheat code for becoming ‘the smartest person in the room’ when it comes to crypto.
Here’s what we got for you today:
- ✍️ Another $12T for crypto?
- ✍️ MrBeast to launch financial app
- 🎙️ The Milk Road Show: Crypto Is in Hard Mode Now - But Zeneca Still Sees 3 Huge Opportunities
- 🍪 BitMine just added $150M in ETH to its stack
Arc is a new Layer-1 blockchain designed to support real-world economic activity and it’s now live in testnet. Dive into Arc and start experimenting.
Prices as of 2:00 PM ET. Trade today with Milk Road Swap.
ANOTHER MULTI-TRILLION DOLLAR CRYPTO FUNDING SOURCE? SURE, WHY NOT 🤙
Man, when it rains, it pours!
Over the past few days, we’ve covered two new sources of capital absorption for crypto:
- Vanguard allowing its clients to buy crypto ETFs.
- Bank Of America’s wealth fund allowing crypto exposure in Q1 of 2026.
(Together they have $13T+ of assets under management.)
And today, we got wind of a 3rd multi-trillion dollar wealth platform opening the crypto flood gates up even further:
Here’s a quick refresher on why this matters:
The more ways there are for big-dog investors to allocate to crypto (all while staying compliant) → the more big-dog capital will flow into crypto.
Here’s where Charles Schwab’s approach is different from the rest:
Charles Schwab already allows its clients to invest in crypto ETFs. This new announcement is centered around spot BTC and ETH purchases – aka: direct buying.
(No need for Charles Schwab clients to invest in an ETF → which then buys/holds crypto on their behalf. They’ll be able to just buy/hold crypto directly.)
This enables three things:
- 24hr trading: Charles Schwab clients will likely be able to trade their spot BTC and ETH outside of stock market trading hours (9:30am - 4pm ET)
- Instant settlement: if you buy a crypto ETF, it takes 1-2 business days to settle (depending on where you are in the world). With direct trading, it will likely be near-instant.
- No annual ETF management fees: ETFs charge annual fees anywhere from 0.20% - 1.5%. That leak is sealed when you buy crypto directly.
Ok, now – take all of that, and consider this:
Charles Schwab clients currently own ~20% of all the crypto exchange traded products in the U.S…
And now they’re looking to make crypto trading on their platform faster/better/cheaper in every way?
There’s a good chance that even more of that $12T in managed capital is about to move into crypto.
Nice!
ARC IS NOW LIVE ON TESTNET
Circle is already one of the biggest names in crypto…
But most people still haven’t heard much about Arc, the Layer-1 blockchain built by Circle.
Arc is a new Layer-1 blockchain that’s now officially live on testnet.
It’s built to bring real-world economic activity onchain. And with full Circle platform integration at its core (e.g., USDC, EURC, USYC), it’s positioned to do exactly that.
Here’s what stands out:
- Low and predictable gas fees paid in stablecoins
- Instant settlement & deterministic finality
- Native FX & Privacy infrastructure
Developers and institutions have already started testing on Arc. Now it’s your turn.
Dive into Arc and start experimenting.
MRBEAST TO LAUNCH FINANCIAL APP 👀
Alright, time to top up your list of water-cooler-conversation-starters.
Today’s main talking point:
MrBeast is launching a financial app.
Some follow up questions to pose to the group:
- When will it launch?
- Will it support crypto?
- Will it IPO… or even ICO?
Now – it’s our job to make you the smartest person in the room when it comes to anything finance or crypto related – so lemme give you a cheat-sheet for those questions.
When will it launch? There’s no set date – but most predictions point to mid 2026.
Will it support crypto? Yep, looks like it. The trademark application includes language related to crypto, so it's definitely in the plan.
Will it IPO… or even ICO? Yes, an eventual IPO is on the cards…
As for an ICO – we may be reading into this way too much, but – when asked about an IPO, Jeff Housenbold, CEO of Beast Industries, said this:
“At some point, we want to be able to give the 1.4 billion unique people around the world who has watched Jimmy’s content the last 90 days a chance to be owners of the company.”
Maybe it's our bias speaking here, but – if they really want to give access to everyone, ICO’s are way more friendly than IPOs as far as easy/instant global access goes.
But we’re probably being a little too hopeful here. ¯\_(ツ)_/¯
Alright, that’s it. Go forth and yap.
ICYMI: WE JUST LAUNCHED THE MILK ROAD AI NEWSLETTER 🥛
Yesterday, we dropped our first ever edition of the Milk Road AI Newsletter.
This is our new, twice-weekly publication that helps you cut through the hype and learn how to invest in the future.
Our first issue dove into the soap-opera level drama currently unfolding between Google, Meta and NVIDIA. It's a must-read for anyone who wants to understand where the next trillion dollars in capital is flowing.
Don’t miss issue 2, out next Monday. 👉 Sign up here. It’s free!
PS. As a thanks for signing up early, we're unlocking the first two AI PRO deep-dive reports for free during the month of December.
That means if you subscribe now, you'll get exclusive access to our first two PRO-level deep dives before anyone else.
CRYPTO PRO “WHERE ARE WE IN THE CYCLE?” INDICATORS 🤔
Is the market forming a base around $90k, or are we holding on for dear life?
Let’s check in with our cycle indicators to see what’s happening under the hood.
The goal is to spot the bull market peak before the inevitable bear market hits your bags hard.
Since timing the top perfectly is almost impossible, we use various indicators to give us a better shot at taking profits before the music stops.
⚠️ CLICK HERE to view the Crypto PRO “Where Are We In The Cycle” Indicators.
GO CRYPTO PRO AND UNLOCK:
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CRYPTO PRO REVIEW OF THE WEEK
BITE-SIZED COOKIES FOR THE ROAD 🍪
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The big dogs are still bullish: BlackRock is staying risk-on with the belief that AI & stablecoins will continue to transform financial markets.
More? You’re buying more!? BitMine just added $150M in ETH to its stack. They now own 3% of the circulating ETH supply.
Woah! Ok. Apparently retail investors still hold a significant majority of spot-Bitcoin ETF assets.
This DEX solves an actual UX issue! Milk Road Swap supports both Ethereum and Solana tokens in a single interface.
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MILKY MEMES 🤣
ROADIE REVIEW OF THE DAY 🥛
VITALIK PIC OF THE DAY
