If someone told you that the U.S. government would announce plans for a Strategic Bitcoin Reserve and pass the Genius Act for a regulatory framework on stablecoins, you’d probably assume that cryptocurrencies would have a fantastic year.

But that’s not how it played out. While there were some good moments, cryptocurrency prices tumbled since the summer. XRP (CRYPTO: XRP) and Dogecoin (CRYPTO: DOGE) have declined by 37% and 52% respectively, over the past 12 months. The market has seemingly shied away from speculative assets, which helps explain the slide. Remember, cryptocurrencies are notoriously volatile, both up and down.

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