Morning Minute: Fidelity Calls Bitcoin 'Maturing,' Lays Out 2026 Bull and Bear Case

The financial services firm lays out a pretty straightforward bull case for Bitcoin as it matures—will it come to fruition?

By Tyler Warner

6 min read

Morning Minute is a daily newsletter written by Tyler Warner. The analysis and opinions expressed are his own and do not necessarily reflect those of Decrypt. Subscribe to the Morning Minute on Substack.

GM!

Today’s top news:

  • Crypto majors are green to start week; BTC at $92k
  • Monero (XMR) jumps another 15% and hits new ATH at $680
  • US Senate releases draft crypto market structure bill, prohibits stablecoin interest
  • Saylor buys $1.25B in Bitcoin, biggest weekly purchase since July
  • Fogo and Football dot Fun both to TGE this Thursday, Jan 15

🧭 Fidelity Digital Assets Releases 2026 Look Ahead

One of the biggest players in traditional finance just published a 26-page report on Bitcoin and digital assets.

And their conclusion is that Bitcoin’s hurdles and headwinds are only making it stronger.

📌 What Happened

Fidelity Digital Assets released its 2026 Look Ahead report, taking a deep dive through some of Bitcoin’s issues and dropping a future outlook.

On the technical side, Fidelity pushed back hard on claims that Ordinals, inscriptions, or OP_RETURN expansion are “breaking” Bitcoin.

On-chain data shows block space demand stayed low throughout 2025, even after multiple waves of so-called “spam.”

Fidelity argues that if demand does rise, higher fees are a healthy outcome, strengthening miner economics rather than harming usability.

The report also addressed internal governance tensions (Core vs. Knots), warning that attempts to censor non-financial transactions via consensus changes would undermine Bitcoin’s core properties: immutability, decentralization, and censorship resistance.

Looking ahead, Fidelity highlighted quantum preparedness as a growing focus. Roughly 6.6M BTC could theoretically be at risk due to exposed public keys, but developers are proactively exploring solutions like BIP-360, with the mantra “prepared, not scared.”

On the macro front, Fidelity outlined a bullish setup driven by:

  • QT ending and liquidity easing
  • Fiscal dominance and rising debt burdens
  • $7.5T sitting in money market funds that could rotate into risk assets
  • Gold and Bitcoin’s historical relationship and the potential rotation in 2026
  • A strong historical correlation between global M2 growth and Bitcoin

Institutionally, Bitcoin and Ethereum are increasingly treated as core portfolio allocations, with spot Bitcoin ETPs holding $123B in AUM as of late 2025.

🧠 Why It Matters

Fidelity’s outlook for 2026 boils down to a battle between liquidity and macro risk.

The bull case is straightforward.

Global liquidity is starting to turn. Quantitative tightening appears to be ending, policy is slowly loosening, and governments are clearly choosing growth over austerity as debt levels balloon. With U.S. debt above $38 trillion and debt-to-GDP near 125%, history suggests easier money is the path of least resistance.

That matters for Bitcoin because it has shown a tight relationship with global liquidity, particularly M2 money supply growth.

Fidelity frames Bitcoin as a “liquidity sponge”—when excess capital enters the system, scarce assets tend to absorb it.

Add in $7.5T sitting in money market funds that could rotate into risk assets, plus continued institutional adoption through spot ETFs now holding over $123B in AUM, and the setup for expansion is real.

On-chain activity, stablecoin usage, and developer engagement all support that case.

The bear case, however, is equally important.

Inflation remains sticky, the dollar is strong, and policy, while easing, is still restrictive.

Geopolitical tensions, fiscal stress, and lingering market fragility from the October 2025 liquidation event continue to weigh on sentiment.

If markets tip risk-off, Bitcoin’s deep liquidity cuts both ways: it can absorb shocks, but it can also sell off hard alongside tech and other high-beta assets.

Overall, Fidelity’s takeaway is that Bitcoin is maturing into a macro asset, increasingly shaped by liquidity cycles, institutional flows, and global policy decisions.

And the long-term foundation looks stronger than ever, but the next leg higher won’t come without volatility along the way.


🌎 Macro Crypto and Markets

A few headlines that stood out:

  • Crypto majors are green; BTC +1.5% at $92,000; ETH +1% at $3,130, SOL +2% at $142; XRP +1% to $2.06
  • DASH (+60%), IP (+30%) and XMR (+13%) led top movers; XMR hit another new ATH at $680 (now $640)
  • Gold and Silver hit new ATHs again in the wake of the Powell investigation
  • The US Senate released the draft Crypto Market Clarity Act, including limits on stablecoin rewards
  • Senator Warren pressed the SEC over inclusion of crypto in 401ks arguing they expose retirees to too much risk
  • Vitalik Buterin warned crypto needs better decentralized stablecoins, citing governance capture and inflation risks
  • World Liberty Financial launched a crypto lending platform built around its USD1 stablecoin, attracting ~$20M
  • BitGo filed for a U.S. IPO targeting a ~$2B valuation as custody assets surpassed $100B
  • Tennessee regulators ordered Polymarket, Kalshi, and Crypto.com to halt sports prediction markets and refund users, escalating a multi-state legal fight

In Corporate Treasuries / ETFs

  • The BTC ETFs saw $116M in net inflows on Monday, breaking a 4-day outflow streak
  • Strategy spent $1.25B on Bitcoin (at a $91,500 average) in its largest weekly purchase since July, lifting total holdings above ~687,400 BTC
  • Tom Lee’s BMNR added roughly $76M in ETH to its treasury, pushing total holdings past 4.16M ETH

In Memes / Onchain Movers

  • Meme majors were mostly green; Doge +2%, Shiba +2%, PEPE +2%, TRUMP +2%, Bonk +1%, Pengu +2%, SPX +3%, WIF +3% and Fartcoin +4%
  • PsyopAnime jumped 30x on the day to $16M ($26M at peak) after the account was followed by Elon
  • Other onchain movers included SOL (+30%), SPSC (+20%) and 67 (+20%)
  • Eric Adams backed a proposed “NYC Token,” pitching it as a tool to promote civic values, then swiftly rugged the token by withdrawing liquidity (token fell from $500M+ to $130M)

💰 Token, Airdrop & Protocol Tracker

  • Polymarket odds were embedded within the Golden Globes broadcast on Sunday night, accurately predicting 26/28 awards
  • Football dot Fun’s FUN token will TGE this Thursday, Jan 15
  • Fogo announced a $7M ICO at $350M valuation via Binance Wallet, with token listing coming Jan 15, along with welcoming Robot Ventures as an investor
  • Markets.xyz launched a perps platform for equities and crypto, starting with a US500 index
  • SHDW released private trading of tokens on Solana “for Agents and Humans”

🚚 What is happening in NFTs?

  • NFT leaders were mostly green on the day; Punks +1% at 29.2 ETH, Pudgy +7% at 5.15 ETH, and BAYC +5% at 5.65 ETH; Hypurr even 514 HYPE
  • Infinex Patrons (+9%) and Doodles (+10%) led notable top movers
  • Good Vibes Club 1/1s sold for 50 ETH and 20 ETH on Monday

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