gautham
Cheap money floods in, crypto rips
If the Fed cuts interest rates and borrowing gets cheap, crypto will rise faster than almost everything else.
Result
If held over the last 3 months (Jul 30, 2026 – Oct 29, 2026): +32.0%. Over the same days: BTC +26.6%, S&P 500 +5.1%.
What it holds
- Crypto blue chips, 41% of the money, +27.9% over 3 months: BTC (Bitcoin), ETH (Ether), SOL (Solana). Big coins get the first rush of new money when rates fall.
- Borrowing and trading coins, 27% of the money, +68.4% over 3 months: AAVE (Aave), HYPE (Hyperliquid), UNI (Uniswap), ENA (Ethena). Cheap loans mean more crypto borrowing and trading, which helps these projects earn.
- Crypto-linked stocks, 23% of the money, +22.0% over 3 months: MSTR (Strategy), COIN (Coinbase), HOOD (Robinhood), CRCL (Circle). Stocks tied to crypto tend to move even more than the coins.
- Cash, 10%.
The idea
When borrowing costs fall, people take more risk and money flows into assets like crypto. Bitcoin and Ether are the big, safe-ish ways to bet on this, so they get the most money. Next come coins that earn money from trading and lending, which do well when people borrow more. Crypto-linked stocks add extra punch, since they rise and fall with the coins. Some cash is held in case the Fed surprises everyone and we get a chance to buy lower.
What would prove it wrong: The Fed cuts rates but Bitcoin still falls for weeks, or inflation jumps and the Fed has to raise rates again.
FAQ
Can I make one from my own idea?
Yes. Write what you believe in plain words at https://f.xyz/create. fxyz asks a couple of questions, builds the portfolio and shows how it would have done over the last 3 months.
Can I turn a post on X into a theory?
Yes. Reply to the post and tag @fxyzai. It tests the view in the post and replies with the 3-month result and a link.
What can it trade?
Stocks (Tesla, Apple, Nvidia), crypto (Bitcoin, Ethereum, Solana), pre-IPO companies (OpenAI, Anthropic), indices (Nasdaq 100, S&P 500), commodities (gold, silver, oil, copper) and currencies (EUR/USD, USD/JPY). One theory can mix them, and bet for or against any of them.
How does it react to news?
On each check it reads the last two days of news on its biggest holdings and says whether the idea still holds. It can make one small change at a time: trim or drop one holding by up to 5 points. On autopilot the change waits 10 minutes so the owner can skip it; otherwise it asks first.
How do I run it with real money?
For real money, tap Make it mine, open your copy and choose Use real money, with an exchange connected: Hyperliquid, Lighter, Lighter (Robinhood), Backpack, Pacifica or Binance. The money stays in your own account there. fxyz can place trades, but it can never withdraw.
Can the AI get it wrong?
Yes. fxyz's AI turns the idea into holdings, and it can get that wrong: add a coin or stock that doesn't fit, or miss one that does. Check the holdings before you put money in. In your own copy, ask its chat to add or drop any of them.
What do the 3-month numbers mean?
What $100 would have done holding this mix over the last 3 months, at real prices. It is a what-if, not a record: past or simulated results are no promise of future ones, and nothing here is investment advice.