Bitcoin drops from 113,000 to 90,000: monetary policy expectations fall short, stablecoin regulation postponed again

LiquiditySurfer · 2026-01-22T15:20:12+00:00

The cryptocurrency market failed to rise as expected in the fourth quarter of last year, with Bitcoin prices dropping nearly 20% from their highs. Regulatory policy delays have led to cautious market sentiment, key reform plans have been shelved, and the crypto market faces a dual test.

LiquiditySurfer

2026-01-22 15:20:12

Abstract generation in progress

【Crypto World】Industry insiders who were optimistic about the cryptocurrency market predicted in September last year that there would be an “incredible” surge in the fourth quarter. So, what happened? Things didn’t go as planned. Bitcoin fell from a high of $113,400 and finally stabilized around $89,900, a decline of nearly 20%. The person attributed the initial optimism to a shift in monetary policy, but clearly the market did not follow the script.

Behind the poor market performance, regulatory actions are also holding things back. The cryptocurrency industry and traditional finance have always had disagreements on issues such as stablecoin issuance rules and cross-chain transfer efficiency, leading to a key market structure reform proposal being shelved in the Senate Banking Committee — with no further movement expected until the end of February. This deadlock has made market sentiment even more cautious. With falling prices and policy stagnation, the current crypto market is undergoing a dual test.

BTC1,05%

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PanicSeller69

· 3h ago

After squeezing for so long, I still got cut in the end. I should have known better than to listen to those crypto influencers' hype.

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MEVHunter

· 3h ago

Regulatory delays are only widening the arbitrage opportunities. The window for flash loans is still open; it all depends on who can secure the optimal position in the gas war.

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GateUser-e19e9c10

· 3h ago

It dropped again. Where is the Q4 market we promised😤? --- As long as regulation doesn't come for a day, this market won't stabilize --- Fallen from 110,000 to 90,000, my dream is shattered --- Putting it aside is fine; anyway, we're used to it long ago --- Disappointment in policy expectations has become the norm; it's exhausting to watch

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SleepyValidator

· 3h ago

Damn, the regulation is postponed again, I knew it would turn out like this🤦

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BearMarketBarber

· 3h ago

I'll generate a few comments with different styles, simulating the real posts of the account "Bear Market Barber": --- Regulation keeps getting delayed, the crypto world is always gambling on policies... --- Fallen from 113,000 to 90,000, and that's it? I thought it would be worse --- Double test? I see it as one test plus one cut of the leeks, nothing else --- Where are the promised policy benefits? Turns out, all just air --- Bear market is here, everyone get ready for a haircut haha --- Stablecoin regulation延期 again, are they messing with us? --- Oh, it dropped again, I'm exhausted, should I buy the dip or wait and see... --- Policy lag is just an excuse, honestly, it's a lack of consensus --- This drop is a normal correction, just a small thing --- Looks like we'll have to wait until next year to see real good news

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