<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:news="http://www.google.com/schemas/sitemap-news/0.9">
  <url>
    <loc>https://www.whalefactor.com/news/strategy-wants-to-be-the-jpmorgan-of-bitcoin-the-dollar15b-c-i4k4</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T13:21:49.972Z</news:publication_date>
      <news:title>Strategy Wants to Be the JPMorgan of Bitcoin. The $15B Credit Machine Is the Real Story.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/the-clarity-act-lost-to-dollar200m-and-a-calendar-coinbases-gggv</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T13:20:32.095Z</news:publication_date>
      <news:title>The Clarity Act Lost to $200M and a Calendar. Coinbase&apos;s Policy Chief Says Regulators Are Next.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/bill-miller-iv-says-bitcoins-fair-value-gap-has-never-been-w-5lfh</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T13:12:05.309Z</news:publication_date>
      <news:title>Bill Miller IV Says Bitcoin&apos;s Fair Value Gap Has Never Been Wider. The Deficit Math Explains Why</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/claude-says-link-hits-dollar35-by-2027-the-math-says-something-else-mu9tdi7j</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T12:50:14.767Z</news:publication_date>
      <news:title>Claude Says LINK Hits $35 by 2027. The Math Says Something Else.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/goldman-and-citizens-flag-3-bank-crypto-businesses-heres-the-zntw</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T12:11:29.252Z</news:publication_date>
      <news:title>Goldman and Citizens Flag 3 Bank Crypto Businesses. Here&apos;s the $160M Fee Pool Nobody&apos;s Pricing</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/bitcoins-dollar80k-rally-is-built-on-shorts-not-conviction-mu9qw658</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T11:40:46.748Z</news:publication_date>
      <news:title>Bitcoin&apos;s $80K Rally Is Built on Shorts, Not Conviction</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/cramer-calls-it-a-quiet-week-the-rate-hikes-already-said-the-loud-part-mu9pgmdi</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T11:00:41.670Z</news:publication_date>
      <news:title>Cramer Calls It a Quiet Week. The Rate Hikes Already Said the Loud Part.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/you-can-be-right-and-still-lose-real-time-election-odds-arent-prices-mu9o0oyh</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T10:20:18.905Z</news:publication_date>
      <news:title>You Can Be Right and Still Lose: Real-Time Election Odds Aren&apos;t Prices</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/crypto-priced-the-weekend-alone-mondays-open-is-the-real-test-mu9m8tgj</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T09:30:38.755Z</news:publication_date>
      <news:title>Crypto Priced the Weekend Alone. Monday&apos;s Open Is the Real Test</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/x-just-made-the-feed-a-trading-desk-krakens-in-mu9l5xqs</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T09:00:24.724Z</news:publication_date>
      <news:title>X Just Made the Feed a Trading Desk. Kraken&apos;s In.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/same-wallet-two-exploits-fetchai-and-nunet-lose-dollar2-million-mu9k3b26</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T08:30:22.398Z</news:publication_date>
      <news:title>Same Wallet, Two Exploits: Fetch.ai and NuNet Lose $2 Million</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/bitcoins-63percent-hodl-wave-is-a-math-trick-not-a-bull-signal-mu9j0juz</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T08:00:14.219Z</news:publication_date>
      <news:title>Bitcoin&apos;s 63% HODL Wave Is a Math Trick, Not a Bull Signal</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/the-dollar15000-crypto-ethics-rule-washington-almost-wrote-mu95fzt7</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T01:40:20.107Z</news:publication_date>
      <news:title>The $15,000 Crypto Ethics Rule Washington Almost Wrote</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/gen-z-went-looking-for-meme-coins-and-found-index-funds-mu92ljw9</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T00:20:40.569Z</news:publication_date>
      <news:title>Gen Z Went Looking for Meme Coins and Found Index Funds</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/circle-wants-you-to-love-usdc-like-you-love-chelsea-mu9034x3</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T23:10:22.119Z</news:publication_date>
      <news:title>Circle Wants You to Love USDC Like You Love Chelsea</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/coinbase-just-became-the-back-end-for-3000-banks-mu8xl8q3</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T22:00:28.011Z</news:publication_date>
      <news:title>Coinbase Just Became the Back End for 3,000 Banks</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/ai-didnt-fire-the-scammers-it-gave-them-a-thousand-hands-mu8wizf2</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T21:30:43.022Z</news:publication_date>
      <news:title>AI Didn&apos;t Fire the Scammers. It Gave Them a Thousand Hands.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/fidelitys-dollar310m-friday-rescue-how-bitcoin-etfs-dodged-a-wreck-mu8upzvi</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T20:40:10.974Z</news:publication_date>
      <news:title>Fidelity&apos;s $310M Friday Rescue: How Bitcoin ETFs Dodged a Wreck</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/europe-just-put-a-24-hour-clock-on-cryptos-bug-reports-mu8sxt5z</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T19:50:16.295Z</news:publication_date>
      <news:title>Europe Just Put a 24-Hour Clock on Crypto&apos;s Bug Reports</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/chainalysis-flags-440percent-surge-in-on-chain-malware-dead-b0zt</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T15:20:36.809Z</news:publication_date>
      <news:title>Chainalysis Flags 440% Surge in On-Chain Malware Dead Drops</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/fidelity-owns-friday-one-fund-took-96percent-of-bitcoin-etf-inflows-mu8hv39m</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T14:40:13.642Z</news:publication_date>
      <news:title>Fidelity Owns Friday: One Fund Took 96% of Bitcoin ETF Inflows</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/bitcoin-gets-an-oct-18-deadline-as-trump-signs-a-500percent-rl9x</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T13:41:31.126Z</news:publication_date>
      <news:title>Bitcoin Gets an Oct. 18 Deadline as Trump Signs a 500% Russia Tariff Law</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/an-a16z-check-wont-save-you-linera-and-switchboard-are-dead-mu8fd4dq</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T13:30:16.046Z</news:publication_date>
      <news:title>An a16z Check Won&apos;t Save You: Linera and Switchboard Are Dead</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/did-rwa-futures-really-overtake-crypto-the-math-says-no-mu8dxoqj</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T12:50:16.315Z</news:publication_date>
      <news:title>Did RWA Futures Really Overtake Crypto? The Math Says No</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/kevin-oleary-says-bitcoin-can-hit-dollar1-million-one-things-blocking-it-mu8cico9</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T12:10:21.225Z</news:publication_date>
      <news:title>Kevin O&apos;Leary Says Bitcoin Can Hit $1 Million. One Thing&apos;s Blocking It.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/brazil-just-cut-stablecoins-out-of-its-fx-rail-read-the-fine-print-mu8b2vlq</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T11:30:19.646Z</news:publication_date>
      <news:title>Brazil Just Cut Stablecoins Out of Its FX Rail. Read the Fine Print.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/metaplanet-is-the-only-top-10-bitcoin-treasury-graded-bad-on-executive-pay-mu89ng3u</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T10:50:20.106Z</news:publication_date>
      <news:title>Metaplanet Is the Only Top-10 Bitcoin Treasury Graded &apos;Bad&apos; on Executive Pay</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/anthropic-picked-a-november-ipo-window-the-bigger-decision-is-still-open-mu8881mt</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T10:10:21.893Z</news:publication_date>
      <news:title>Anthropic Picked a November IPO Window. The Bigger Decision Is Still Open.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/zcash-etfs-pulled-dollar982-million-last-week-yes-zcash-mu84aeyd</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T08:20:14.005Z</news:publication_date>
      <news:title>Zcash ETFs Pulled $98.2 Million Last Week. Yes, Zcash.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/google-confirms-gemini-hit-three-real-companies-thats-four-labs-now-mu812qd4</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T06:50:16.696Z</news:publication_date>
      <news:title>Google Confirms Gemini Hit Three Real Companies. That&apos;s Four Labs Now.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/xrp-etfs-hit-a-speed-bump-whales-arent-dumping-mu7vps10</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T04:20:14.244Z</news:publication_date>
      <news:title>XRP ETFs Hit a Speed Bump. Whales Aren&apos;t Dumping.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/xrp-etfs-bleed-dollar515m-on-sept-17-but-the-dollar192m-mont-8700</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T03:10:34.608Z</news:publication_date>
      <news:title>XRP ETFs Bleed $5.15M on Sept. 17, but the $192M Month Is Still Green</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/claude-didnt-break-openai-three-researchers-did-in-72-hours-mu7rsiol</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T02:30:23.637Z</news:publication_date>
      <news:title>Claude Didn&apos;t Break OpenAI. Three Researchers Did, in 72 Hours.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/robinhoods-2percent-bitcoin-tax-nobody-asked-for-mu7pagj6</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T01:20:21.810Z</news:publication_date>
      <news:title>Robinhood&apos;s 2% Bitcoin Tax Nobody Asked For</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/elon-musk-says-ai-will-double-us-growth-to-4percent-can-it-mu7msa01</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T00:10:14.305Z</news:publication_date>
      <news:title>Elon Musk Says AI Will Double US Growth to 4%: Can It?</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/sbi-backs-dtcpays-dollar25m-series-a-and-the-real-story-is-t-89yn</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-18T20:10:44.207Z</news:publication_date>
      <news:title>SBI Backs dtcpay&apos;s $25M Series A, and the Real Story Is the Licenses</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/fca-sets-oct-25-2027-deadline-and-offshore-crypto-has-14-day-d9mx</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-18T18:50:38.217Z</news:publication_date>
      <news:title>FCA Sets Oct. 25, 2027 Deadline, and Offshore Crypto Has 14 Days to Map It</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/coinbase-rallied-7percent-friday-the-clarity-act-panic-was-a-bm9c</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-18T18:21:21.648Z</news:publication_date>
      <news:title>Coinbase Rallied 7% Friday: The CLARITY Act Panic Was Always Overblown</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/radixs-dollar13m-hack-is-the-cheapest-warning-shot-crypto-wi-ybpz</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-18T18:11:01.463Z</news:publication_date>
      <news:title>Radix&apos;s $1.3M Hack Is the Cheapest Warning Shot Crypto Will Get</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/bitcoin-rips-to-dollar81055-days-after-the-clarity-act-died-2v2x</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-18T16:50:34.329Z</news:publication_date>
      <news:title>Bitcoin Rips to $81,055 Days After the Clarity Act Died and the Fed Hiked Rates</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/cftc-sends-crypto-rules-to-the-white-house-3-days-after-clar-qqkv</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-18T16:41:08.623Z</news:publication_date>
      <news:title>CFTC Sends Crypto Rules to the White House 3 Days After CLARITY Stalls in the Senate</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/the-cftc-isnt-waiting-on-congress-anymore-its-crypto-prerule-2ceq</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-18T16:22:10.514Z</news:publication_date>
      <news:title>The CFTC Isn&apos;t Waiting on Congress Anymore. Its Crypto Prerule Just Hit the White House.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/bitcoin-rips-to-dollar81k-while-30-year-yields-climb-the-old-p5nc</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-18T16:11:55.224Z</news:publication_date>
      <news:title>Bitcoin Rips to $81K While 30-Year Yields Climb: The Old Playbook Is Dead</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/xrpls-lending-protocol-gets-a-lean-4-math-proof-as-xrpld-340-xp46</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-18T15:50:34.086Z</news:publication_date>
      <news:title>XRPL&apos;s Lending Protocol Gets a Lean 4 Math Proof as xrpld 3.4.0 Ships</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/banks-now-make-up-23percent-of-europes-mica-register-after-d-q5ig</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-18T14:20:43.240Z</news:publication_date>
      <news:title>Banks Now Make Up 23% of Europe&apos;s MiCA Register After Doubling Since June</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/zcash-just-voted-238m-zec-to-22k-to-keep-its-halvings-dcmt</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-18T14:10:45.941Z</news:publication_date>
      <news:title>Zcash Just Voted 2.38M ZEC to 22K to Keep Its Halvings</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://www.whalefactor.com/news/coinshares-says-bitcoin-wont-touch-dollar80k-im-not-buying-it-mu70na1a</loc>
    <news:news>
      <news:publication>
        <news:name>Whale Factor</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-18T13:50:29.518Z</news:publication_date>
      <news:title>CoinShares Says Bitcoin Won&apos;t Touch $80K. I&apos;m Not Buying It.</news:title>
    </news:news>
  </url>
</urlset>