CryptoQuant contributor Darkfost reports a clear drop in BTC whale inflows to Binance: after end‑November's panic phase saw nearly $8 billion in monthly transfers, current inflows have been cut to around $2.74 billion, signaling softer sell-side pressure. CryptoQuant CEO Ki Young Ju says institutional demand remains strong, citing 577K BTC ($53B) added over the past year.

Bitcoin has pulled back toward the $91,000 area after failing to hold above $95,000, but spot and institutional data indicate that underlying demand remains firm. Spot Taker CVD has turned positive, exchanges have seen about $171.83 million in BTC withdrawals, and U.S. institutions have accumulated roughly $53 billion over the past year, while macro liquidity and tariff risks continue to shape the broader environment.

Bitcoin's recent climb is unfolding with muted retail involvement, according to analysis on X, which noted the market stayed flat for more than a day after President Donald Trump's news before Asian institutional flows moved prices. Creptosolutions highlights key levels at $90,000–$92,000, with $103,000 as a trigger and $85,000–$80,000 as potential downside if $90,000 gives way.

Bitcoin fell below $90,000 as gold traded above $4,755/oz, with Michaël van de Poppe saying on January 19, 2026 that the BTC–gold RSI touched 30, a level last seen at the 2015, 2018 and 2022 lows. Charts highlight support at $88K–$90K and resistance at $100K–$101K, with daily RSI hovering in the mid-40s.

On 21 January 2026, Bitcoin fell below $90,000 as broad crypto selling accelerated. According to market data, it reached about $88,200, nearly 4% lower on the day and more than 6% down for the week, while total market capitalization slipped to roughly $3.02 trillion. Altcoins, including Ethereum and Solana, posted sharper weekly declines.

On January 20, 2026, UBS CEO Sergio Ermotti stated that the next phase of global banking is being designed with Bitcoin and other digital assets at its core. He indicated that major financial institutions are shifting from debating crypto's relevance to figuring out how to integrate it safely and at scale, as banks expand custody, structured products, and research tied to digital assets.

Delaware Life Insurance Company will offer a BlackRock-built index across three fixed indexed annuities, blending U.S. equities with a risk-managed Bitcoin allocation sourced via the iShares Bitcoin Trust ETF, so investors do not own BTC directly. The approach targets roughly 12% volatility while preserving principal under annuity terms, and the company reported topping $40 billion in cumulative annuity sales as of November 2025.

Bitcoin is approaching a critical technical phase as Peter Brandt anticipates a potential decline toward the $58,000–$62,000 range based on his chart structure. Michaël van de Poppe also highlights short-term weakness after a rejected move into the mid-$90,000 area and notes that many altcoins have set new cycle lows. Both analysts say a higher low and recovery of key moving averages are needed before bullish momentum can rebuild.