The post Here’s How Consumers May Benefit From Lower Interest Rates appeared on BitcoinEthereumNews.com. Topline The Federal Reserve on Wednesday opted to ease interest rates for the first time in months, leading the way for potentially lower mortgage rates, bond yields and a likely boost to cryptocurrency over the coming weeks. Average long-term mortgage rates dropped to their lowest levels in months ahead of the central bank’s policy shift. Copyright{2018} The Associated Press. All rights reserved. Key Facts The central bank’s policymaking panel voted this week to lower interest rates, which have sat between 4.25% and 4.5% since December, to a new range of 4% and 4.25%. How Will Lower Interest Rates Impact Mortgage Rates? Mortgage rates tend to fall before and during a period of interest rate cuts: The average 30-year fixed-rate mortgage dropped to 6.35% from 6.5% last week, the lowest level since October 2024, mortgage buyer Freddie Mac reported. Borrowing costs on 15-year fixed-rate mortgages also dropped to 5.5% from 5.6% as they neared the year-ago rate of 5.27%. When the Federal Reserve lowered the funds rate to between 0% and 0.25% during the pandemic, 30-year mortgage rates hit record lows between 2.7% and 3% by the end of 2020, according to data published by Freddie Mac. Consumers who refinanced their mortgages in 2020 saved about $5.3 billion annually as rates dropped, according to the Consumer Financial Protection Bureau. Similarly, mortgage rates spiked around 7% as interest rates were hiked in 2022 and 2023, though mortgage rates appeared to react within weeks of the Fed opting to cut or raise rates. How Do Treasury Bonds Respond To Lower Interest Rates? Long-term Treasury yields are more directly influenced by interest rates, as lower rates tend to result in lower yields. When the Fed pushed rates to near zero during the pandemic, 10-year Treasury yields fell to an all-time low of 0.5%. As…

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The post BTC Leverage Builds Near $120K, Big Test Ahead appeared on BitcoinEthereumNews.com. Key Insights: Heavy leverage builds at $118K–$120K, turning the zone into Bitcoin’s next critical resistance test. Rejection from point of interest with delta divergences suggests cooling momentum after the recent FOMC-driven spike. Support levels at $114K–$115K may attract buyers if BTC fails to break above $120K. BTC Leverage Builds Near $120K, Big Test Ahead Bitcoin was trading around $117,099, with daily volume close to $59.1 billion. The price has seen a marginal 0.01% gain over the past 24 hours and a 2% rise in the past week. Data shared by Killa points to heavy leverage building between $118,000 and $120,000. Heatmap charts back this up, showing dense liquidity bands in that zone. Such clusters of orders often act as magnets for price action, as markets tend to move where liquidity is stacked. Price Action Around the POI Analysis from JoelXBT highlights how Bitcoin tapped into a key point of interest (POI) during the recent FOMC-driven spike. This move coincided with what was called the “zone of max delta pain”, a level where aggressive volume left imbalances in order flow. Source: JoelXBT /X Following the test of this area, BTC faced rejection and began to pull back. Delta indicators revealed extended divergences, with price rising while buyer strength weakened. That mismatch suggests demand failed to keep up with the pace of the rally, leaving room for short-term cooling. Resistance and Support Levels The $118K–$120K range now stands as a major resistance band. A clean move through $120K could force leveraged shorts to cover, potentially driving further upside. On the downside, smaller liquidity clusters are visible near $114K–$115K. If rejection holds at the top, these levels are likely to act as the first supports where buyers may attempt to step in. Market Outlook Bitcoin’s next decisive move will likely form around the…