## Solana and Bitcoin 2026: When Fed Policy Changes the Game, Which Strategy Do Smart Investors Choose?

In recent weeks, the cryptocurrency market has experienced two opposing trends: on the institutional side, ETF funds continue to attract capital, but on the retail side, waiting for legal decisions has led to nearly $1 billion being withdrawn from the market. The legislative republic is finalizing new regulations, and the Fed has just proposed direct payment channels for fintech companies. This context forces SOL and BTC holders to reconsider their profit expectations.

### Fed Policy and Regulations: Hopeful Light or Just an Intermediate Step?

Fed Governor Christopher Waller confirmed that new payment accounts will allow crypto companies to access the central bank's system directly. This is a positive signal, but not a permanent solution. Major exchanges and payment services have been waiting for this step for years.

However, the real focus is on the Clarity Act – regulations expected to standardize the entire industry. The White House Office of the Solicitor General stated that the Senate will not consider this issue until January 2026. This waiting has led to a massive outflow: over $952 million withdrawn from crypto funds last week, with Ethereum most affected ( $555 million) and Bitcoin losing $460 million.

### SOL Stands Firm in the Storm: What Do Technical Data Indicate?

Solana is currently trading around $141.88, up 4.29% in 24 hours, with a circulating market cap of $80.10B. While other tokens are being sold off, SOL attracted capital from ETF funds with over $48 million last week. This shows that institutional investors still trust Solana as a safe haven in terms of regulation.

From a technical perspective, the chart shows positive divergence on the RSI indicator, signaling that selling pressure is weakening. If SOL breaks above the $130 resistance (this is the important 20-day moving average), it could trigger a rally to $147, and if maintained, continue to $172. However, if rejected at $130, the next support level is $110, possibly dropping to $95.

The issue is that this $80 billion market cap limits the potential for pure upside. Even if SOL reaches $300, the profit would be about 2.3 times – quite good for a blue chip, but not enough for those seeking a sudden breakthrough surge.

### Bitcoin: Surpassing $91,000 but Facing Psychological Resistance

Bitcoin is currently trading at $91.77K after surpassing $90,000 earlier this week. Institutional capital flow remains strong: BlackRock's iShares Bitcoin Trust has attracted $25 billion so far this year, and JPMorgan forecasts a floor of $94,000 with a statement about higher growth potential over the next 6-12 months.

The $94,500 level is a key technical threshold. Closing above this level would end the technical correction cycle, paving the way to $100,000 and even $107,000. However, the Fear & Greed Index is only at 29, indicating overly optimistic sentiment. Some analysts warn that if capital reverses, Bitcoin could drop to $74,000.

Nevertheless, as the Fed seeks to integrate cryptocurrencies into the financial system, Bitcoin is still considered a safe haven. A gradual accumulation strategy remains more suitable in the current environment.

### Where Is Capital Flow Going? Unexpected Divergence

An interesting phenomenon is happening: while large-cap tokens are declining, capital from institutional investors is flowing into early-stage projects with AI technology. Blockchain analysis platforms are gaining attention, especially projects combining real transaction monitoring with machine learning technology. The goal is not to mine coins on phones but to have professional tools to quickly read market data.

These platforms provide on-chain analysis tools, social sentiment tracking, and anomaly alerts 24/7. For those aiming to surpass the 2.3x profit from SOL or about 1.5-2x from BTC, this is a new exploration direction. These projects are still in early stages, meaning there are no clearly defined growth limits.

### Strategy for 2026: Balancing Safety and Opportunities

Solana and Bitcoin offer stability and are confirmed by major institutions. To protect your portfolio, holding a percentage in SOL and BTC is reasonable. However, if aiming for extraordinary growth, allocating into early-stage AI projects with higher risk-reward ratios could be more advantageous.

The reality is that the Fed is opening the door for cryptocurrencies, but we must wait until January 2026 to see the final regulations. During this waiting period, long-term investors should consider opportunities that the market usually overlooks – technologies serving real user needs that are not yet priced in.

### FAQ

**How high could SOL reach by 2026?**
Based on technical analysis, Solana has the potential to reach $172 if it breaks above the $130 resistance. However, its large market cap limits explosive growth compared to emerging projects.

**Is Bitcoin safe to invest in now?**
Bitcoin is considered a safe haven amid changing regulations. However, market sentiment is overly optimistic (Fear & Greed Index = 29), so gradual accumulation is preferable rather than investing everything at once.

**What strategy is most suitable for retail investors?**
Hold SOL and BTC for safety, but allocate a small portion of the portfolio to early-stage AI projects where the risk-reward ratio is higher. The 2026 market will favor assets with practical applications.