Crypto is roaring into 2026. Bitcoin just tested $91,000, XRP flipped BNB, and AI altcoins are going crazy… but are we about to see a record-breaking bull run or a brutal 50% crash?

In today’s Generational Wealth crypto news update for January 3, 2026, we break down:

Bitcoin’s battle around the $90K level and what rejection at $91K really means

Ethereum’s quiet move toward new highs and looming ETF approvals

XRP pumping above $2 and flipping BNB in market cap

Solana’s upgrades, DePIN growth, and why it’s back in the spotlight

Privacy coins like Monero and Zcash and their bullish 2026 setups

AI crypto projects such as ElizaOS and TARS AI leading altcoin gains

The macro calendar for January: Fed rate cuts, U.S. shutdown risk, and the CLARITY Act

How institutional adoption from BlackRock, Bank of America, Klarna and others could change everything

We’ll also cover which coins look ready to climb in 2026 – and which overextended plays could dump hard as rotations hit altcoins.

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🧠 REMEMBER

Fear often creates opportunity. Institutions are loading up, Layer-2 TVL is at highs, privacy tech is advancing, and AI + modular blockchains are changing the game. Stay informed, not emotional.

⚠️ DISCLAIMER

I am not a licensed financial advisor. This video is for educational and entertainment purposes only and is not financial, investment, or trading advice. Crypto is highly volatile. Never invest more than you can afford to lose. Always do your own research before making any financial decisions.