Best Crypto to Buy Now as Banking Giants Predict At Least Two Rate Cuts in 2025

Wall Street's crystal ball just got clearer—and crypto's looking brighter than a banker's bonus.

Rate Cuts Incoming: Fuel for Digital Assets

When traditional finance starts cutting rates, smart money flows elsewhere. Two confirmed cuts mean cheaper capital chasing higher yields—and crypto's yield farms are looking mighty fertile right now.

Bitcoin: The Digital Gold Standard

Institutional whales are already positioning themselves. Bitcoin's scarcity narrative strengthens as fiat liquidity increases—because nothing says 'store of value' like outperforming traditional markets during monetary uncertainty.

Ethereum: The Yield Machine

Staking rewards meet defi innovation. Lower rates make ETH's native yield more attractive than treasury bonds—and the network upgrade cycle keeps delivering real utility beyond speculative gains.

Altcoins: Asymmetric Opportunities

While majors stabilize portfolios, select alts offer rocket-fuel returns. From AI tokens to RWA protocols, the next cycle's winners are building now—while traditional finance still debates spreadsheet models.

Banking giants finally see what crypto natives knew years ago: monetary policy changes everything. Their 'predictions' might be late—but your portfolio doesn't have to be.

Banks’ Rate Cut Prediction

Bank of America had long stood by its prediction that there WOULD be no rate cuts in 2025. However, in a major U-turn, the bank now expects two 25 bps cuts this year – the first in September and the next in December.

Goldman Sachs has made an even bolder call, forecasting three 25 bps cuts in 2025, followed by two more in March and June 2026.

The firm now sees a terminal rate of 3-3.25% (down from its earlier 3.5-3.75% forecast). Similarly, Citigroup is also predicting three cuts this year.

Meanwhile, CME Group data shows that 89% of market participants expect at least a 25 bps cut in September, while 11% are betting on a 50 bps cut.

With rate cuts now looking almost certain, the crypto markets are buzzing again. Historically, interest rate cuts have been bullish for digital assets: borrowing becomes cheaper, risk-on sentiment increases, bond yields fall, the dollar weakens, and capital flows into crypto in search of higher returns.

If you’re planning to build a crypto portfolio, there may not be a better time. Here are some altcoins worth considering to take full advantage of the upcoming rate cuts.

1. Bitcoin Hyper ($HYPER) – Turbocharging Bitcoin with Fast Speeds, Low Fees & Web3 Compatibility

Bitcoin Hyper ($HYPER) has the potential to crank up Bitcoin’s real-world application, making it more than just an investment vehicle.

This new crypto project is building a Layer 2 solution for Bitcoin, one that integrates the Solana VIRTUAL Machine (SVM) to deliver fast transaction speeds, low fees, and a full-blown Web3 environment directly on Bitcoin.

Unlike Bitcoin’s main chain, which processes every transaction first-hand, $HYPER will act as a much-needed secondary fast lane.

It’ll handle thousands of requests on the side before sending a summary of all those transactions to the primary chain.

At the core of this LAYER 2 is a decentralized, non-custodial canonical bridge.

By locking your Layer 1 Bitcoin and minting an equivalent amount of tokens on Bitcoin Hyper’s Layer 2, the bridge enables seamless interaction with SVM-powered Web3 applications.

These include DeFi trading apps, NFT marketplaces, lending and staking protocols, DAOs, and gaming dApps.

Better yet, according to our bitcoin Hyper price prediction, the token could hit $0.32 by the end of 2025, representing a whopping 2,400% gain.

Right now, 1 $HYPER is available for just $0.012875, and the project has in total raised over $14.33M from early investors. Here’s how to buy $HYPER.

Visit Bitcoin Hyper’s official website for more information.

2. SUBBD Token ($SUBBD) – Revolutionizing the $85B Online Content Industry

SUBBD is the newest (and potentially most game-changing) crypto-powered online subscription platform available today.

It stands out as the first platform of its kind to integrate cutting-edge AI tools, including voice, video, image, and profile generators.

The biggest benefit? Helping creators dramatically reduce their workload. By automating much of the content creation process, SUBBD leaves creators with more time to directly engage with their audiences.

At the heart of it all is SUBBD Token ($SUBBD), the platform’s native currency.

For fans, buying $SUBBD means more than just paying for premium content, tipping creators, or sending personalized requests. It also unlocks a host of unique perks:

• Exclusive discounts on in-platform content and subscriptions
• Early access to beta features
• Voting rights on key platform decisions, such as creator onboarding and feature prioritization

Even better, staking $SUBBD gets you a fixed 20% APY for the first year, along with access to creator livestreams, daily BTS drops, and exclusive content from SUBBD’s top talents.

According to our $SUBBD price prediction, a $100 investment today could turn into $850 by the end of 2026 – an eye-popping 750% gain.

Currently in presale, $SUBBD has already raised more than $1.1M, with each token priced at just $0.056375.

Visit SUBBD Token’s official website for more information.

3. MemeCore ($M) – Viral New Altcoin Changing the Meme Coin Space

If you thought meme coins only existed for speculation and as an outlet for crypto degens’ deranged sense of humor and thrill, MemeCore ($M) is here to make you think again.

It’s a unique new cryptocurrency project ushering in a never-before-seen paradigm, one where meme coins evolve into full-blown engines of culture, value, and community coordination.

MemeCore introduces a novel Proof of Meme (PoM) consensus layer, designed to reward participants for both cultural contributions and on-chain activity.

Thanks to MemeCore’s Meme 2.0 revolution, the token has been a rockstar on the exchanges. It’s up more than 196% in just the last seven days, currently trading around $1.90.

Conclusion

With speculation about a Federal Reserve rate cut in September dominating crypto chatter, several banking giants have now added more fuel to the fire by suggesting there could be multiple cuts by year-end.

This is likely to send crypto to the moon – and you can make hay by adding low-cap, high-upside gems like Bitcoin Hyper ($HYPER), SUBBD Token ($SUBBD), and MemeCore ($M) to your portfolio.

That said, none of the above is financial advice. Crypto investments are highly risky. Invest only after doing your own research.