SIGNS OF THE TIMES
October, November & December 2025
‘Bitcoin's Spidey-Sense Goes Off:
Does BTC Sense a Bank Liquidity Crisis Just Ahead?'
by Theodore White, mundane Astrolog.sci
"There is no political solution
To our troubled evolution
Have no faith in constitution
There is no bloody revolution
"We are spirits in the material world
Are spirits in the material world
Our so-called leaders speak
With words they try to jail you
They subjugate the meek
But it's the rhetoric of failure
We are spirits in the material world
Are spirits in the material world
Where does the answer lie?
Living from day to day
If it's something we can't buy
There must be another way...
We are spirits in the material world
Are spirits in the material world."
~ English rock band, The Police, Ghost in the Machine (1981)
SIGNS OF THE TIMES
October, November & December 2025
‘Bitcoin's Spidey-Sense Goes Off:
Does BTC Sense a Bank Liquidity Crisis Just Ahead?'
Forecast by Theodore White, mundane Astrolog.sci
One of the maxims I follow is to never to settle for taking the world at face value.
If your Spidey-sense tells you something is wrong, it probably is; which is why I am a forecasting astrologer.
World planetary transits are about to shift us into a new era of the mid-2020s.
The good reader can see how the created divisions in society but what is really happening is that the world is heading into a new historic era.
With the emerging Saturn-Neptune conjunction into tropical Aries – a new cycle - planetary transits through the rest of October 2025, all through November and into December 2025 show that now is the time to get prepared for solar year 2026.
The pandemic era of 2020-2022, into the post-pandemic years of 2023, 2024 to 2025 is now a reaping from what was sown during COVID-19.
Sadly, most of the world news the good reader has been observing are caused by those who have not a clue as to the influences and reality of the astrological transits, which, whether you want to believe it or not – are surely there.
At this time in mid-October 2025, there continue to be tariffs on goods imported into the United States from overseas.
Coming as a result of the Biden administration, there is also a stagnant labor market that has been putting a clamp on spending by lower-income and some middle-income households.
Into this second half of 2025, some economists are befuddled by the actions of the Federal Reserve, which they say is behind the 8-ball on interest rates just as it was in 2021 when the Fed said that inflation was not a problem - only to retract that 9 months later when it was obvious that inflation was rising and becoming a major problem in 2022, 2023 and 2024.
In our present times here in mid-2025, now some are saying that there is a ‘K-shaped’ economy at hand.
Now, in economist-speak, a K-shaped economy is a situation where different parts of the economy recover, but at different rates after a downturn, as some sectors and income groups thrive, while others continue to struggle.
This widens the gap between the wealthy and those under financial difficulty.
Planetary transits show that it may be Bitcoin and cryptocurrencies that are blowing the whistle on a crisis emerging among regional banks.
'BITCOIN: WHERE'S THE BEEF YOU BANKERS?'
As the first astrologer in the world to cast Bitcoin's (BTC) natal chart; I have been closely watching and monitoring its growth and influence since early 2009.
After a week-long rout that erased hundreds of billions in digital-asset value, Bitcoin has again failed to live up to its billing as a safe harbor asset, according to Bloomberg.
But, is that what is 'really' going on I ask?
I say that Bitcoin is reacting to something else and that is trouble among regional banks. Where there is smoke, could there be fire too?
The Birth of Bitcoin
'SHADOWS OF 2023's BANK CRISIS REVISTED?
As the good reader saw by Saturday, October 17th, it appeared that there is a banking crisis on the near horizon.
Several regional banks in the United States - right now - are facing renewed stress despite strengthening their finances after the 2023 banking crisis I wrote about then, and Bitcoin could benefit from any liquidity crisis that follows.
Planetary transits show that there appears to be some banking stress as validation that Bitcoin seems to be pricing in as a potential liquidity crisis.
Consider this:
Did you know that two regional banks - Zions Bank and Western Alliance stocks - crashed this week due to loan problems; and that was what triggered broader market fears.
This is because confidence in regional banks was never fully satisfied after the 2023 crisis.
Word on Wall Street during the last week is that there's some trouble that has been brewing after a write-off of sickly loans to commercial customers.
This was reported by the Associated Press on Friday, October 17, 2025 and reads:
"Wall Street is concerned about the health of the nation’s regional banks, after a few of them wrote off bad loans to commercial customers in the last two weeks and caused investors to wonder if there might be more bad news to come.
Zions Bank, Western Alliance Bank and the investment bank Jefferies surprised investors by disclosing various bad investments on their books, sending their stocks falling sharply this week.
JPMorgan Chase CEO Jamie Dimon added to the unease when he warned there might be more problems to come for banks with potentially bad loans.
The KBW Bank Index, a basket of banks tracked by investors, is down 7% this month.
And with the planetary transits - especially Uranus retrograde and about to head back into tropical Taurus in November 2025 - there have been other signs of distress.
According to numbers I have seen from the U.S. Federal Reserve (see my Sept. 17th forecast and report on the Fed here on my page) what is happening at this time in October 2025 that banks have quietly tapped the central bank’s overnight “repo” facilities for the second night in a row - this was an action banks have not taken since the Covid-19 pandemic.
The overnight repo facility allows banks to convert highly liquid securities like mortgage bonds and treasuries into cash to help fund short-term cash shortfalls.
Okay, now, Zions Bancorp shares sank on Thursday, Oct. 16th after the bank wrote off $50 million in commercial and industrial loans, while Western Alliance also sunk after the bank alleged it had been defrauded by an entity known as Cantor Group V LLC.
All this came on top of news from Jefferies, which told its investors that it might experience millions of dollars in losses from its business with bankrupt auto parts company First Brands.
All three stocks recovered slightly on Friday, Oct. 17th, but Jefferies' CEO told investors that the company believes it was defrauded by First Brands and there were no broader concerns in the lending market.
Here we are, like in 2023, a year that also involved mid-sized and regional banks that were overly exposed to low-interest loans and commercial real estate.
That crisis caused Silicon Valley Bank to fail. It was then followed by Signature Bank, and that led to the eventual sale of First Republic Bank to JPMorgan Chase in a fire sale.
Other banks like Zions and Western Alliance ended up seeing their stocks plummet during that time period as well.
So, while banks do fail or get bought up at fire sale prices, all bank deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per account, in case of a bank failure.
In the nearly 100 years that the FDIC was created during the Great Depression year of 1933, not one depositor has lost their insured funds.
When I look at the transits coming in November, along with a Mercury retrograde, I would strongly urge anyone who want to save and make money to check out their planetary transits to know what is ahead and how to make it through this fourth Quarter and into early 2026.
That is because from the looks of planetary transits regarding the financial markets, I say that even the larger banks are not immune in this recent round of trouble.
This past week, several Wall Street banks disclosed losses in the bankruptcy of Tricolor, a subprime auto dealership company that collapsed last month.
And, to add to that, Fifth Third Bank, a larger regional bank, recorded a $178 million loss from Tricolor’s bankruptcy.
That said, the big banks believe that any losses will be manageable and do not reflect the broader economy.
“There is no deterioration, we’re very confident with our credit portfolio,” Deutsche Bank CEO Christian Sewing said, in an interview on Bloomberg Television late on Friday. Oct. 17th.
You see, when the big Wall Street banks get most of the media and investor attention, it really is the regional banks that are a major part of the economy as they lend to small-to-medium sized companies and business while they act as major lenders for commercial real estate developers.
Right now, there are more than 120 banks with between $10 billion and $200 billion in assets, according to the FDIC.
So these larger banks can run into trouble because their businesses are not as diverse as the Wall Street money center banks.
And they are also more exposed to real estate and industrial loans, and do not have significant businesses in credit cards and payment processing that can be revenue generators when lending goes south
As this plays out next week (Oct. 20-24) it also appears that the Federal Reserve’s response will serve to cause BTC prices to go higher.
For instance, the CEO of Strike, Jack Mallers said this late on Friday, Oct. 17th:
"Yields are puking, spreads are blowing out, and banks are stressed. Bitcoin is working. It smells trouble. When they’re forced to print, it’ll move first again, and outperform everything.”
He added: "“The US is going to have to inject some of that sweet, sweet liquidity soon and print a ton of money or else their fiat empire goes kaboom.”
Once cast as a hedge against market turmoil - a “digital gold” for the blockchain age - the original cryptocurrency continued its slide on Friday, dropping as much as 4% to $103,550, the lowest level since June.
Ether, the second-largest token, slipped under $3,700 and has now retreated around 25% from its August peak.
The total value of the crypto market has shrunk by over $600 billion since Friday, October 10, 2025.
Meanwhile, the Binance-linked token 'BNB' tumbled as much as 11% on Friday, before parings its slide.
The world’s largest crypto exchange was cited by analysts as a key driver of the record spree of liquidations on Oct. 10th and Oct. 11th as users encountered technical glitches and price discrepancies.
Binance has offered customers and businesses nearly $600 million in compensation following the crash.
The fall in BNB on that Friday “seems in line with the larger market selloff for now,” said Yoann Turpin, co-founder of crypto market maker Wintermute.
The activity is also likely a sign of repricing, Turpin said, after a surge mid-week failed to form a lasting recovery.
Bitcoin set an all-time high of $126,251 on October 6, 2025.
Just four days later - on Friday, October 10th - as the transiting Moon in the money sign of tropical Taurus was aspected by transiting Saturn, and made conjunction with a debilitated and retrograde Uranus at the anaretic degree of 0-degrees Gemini - more than $19 billion in liquidations took place.
This was spooked by an escalating US-China trade war that coincided with a sharp selloff that encompassed most major tokens.
About $1.2 billion in leveraged positions were just liquidated over the past 24 hours, according to Coinglass data - far below last week’s total, but it underscores that leverage remains elevated in a cryptocurrency market.
Heavyweights including Kraken, Circle, BitGo and Ripple are pushing deeper into regulated finance - looking for trust charters, payment rails and card products.
“What’s striking is the timing of the crash coinciding with major players pursuing banking licenses,” said Rachael Lucas, analyst at BTC Markets.
What she means is that there has been a sharp pivot to more traditional financial infrastructure and this signals a strategic hedge against volatility in a bid to build legitimacy.
Risks stemming from the US and China sparring over trade will continue to plague risk assets beyond crypto in my astrological view.
The collapses of First Brands Group and Tricolor Holdings have also revived anxiety over hidden credit losses, while fraud-linked write-downs at Zions Bancorp and Western Alliance wiped out more than $100 billion from US bank market value - all in a single day.
According to my calculations, investors withdrew a net $593 million from US-listed Bitcoin and Ether exchange-traded funds on Thursday, October 17, 2025 as risk-off sentiment swept through markets.
When I last checked, it appears that the put-to-call ratio for Bitcoin on the crypto derivatives platform 'Deribit' rose to 1.33 over the past 24 hours.
This means that there has been increased hedging against further price declines.
As a W.D. Gann expert, I always encourage put options because they provide downside protection by giving holders the right to sell an asset at a predetermined price.
Derivatives are where stress is concentrated; so what is happening is that dealers are buying protection and that raises the cost of short-term downside insurance but it increases the chance of violent two-way moves.
With longstanding havens such as gold and silver continuing to strike fresh new highs, BTC has disappointed as it fell as much as 6.3% in the week to Oct. 12, 2025 - that was the most since early March and still has not bounced back. This is true of most cryptocurrencies.
What is happening is that planetary transits show that crypto is indicating that the market is on edge due to emerging credit debt concerns.
So, there will be near-future benefits that will accrue to Bitcoin from this banking crisis - but be patient - as they will not be too apparent - not just yet.
BTC tanked to a four-month low of $103,850 on Friday, Oct. 17th - as it shed over $5,000 in a matter of hours.
But, Bitcoin has recovered to trade at $107,000 on early Saturday morning in Asia, still, BTC remains down more than 15% from its all-time high.
So, if you are reading this on Saturday, Oct. 17th or Sunday, Oct. 18th, know that Bitcoin is on sale.
And, as this regional banking upset grows into a crisis, then be ready for another banking bailout - just like in 2023.
When that starts - and it will - then with any spare capital - go shopping.
There is a connecting perspective here I also have on the housing market as well. Please bear with me as I explain. Thank you.
'MEANWHILE, HOUSING MARKET CONDITIONS ARE CHALLENGING'
American homebuilder sentiment jumped to a six-month high in October 2025 amid hopes that declining mortgage rates would stimulate demand for housing and help reduce an inventory overhang that has hampered new housing construction.
Economic uncertainty and a lackluster labor market are, however, likely to offset some of the anticipated boost to demand from lower borrowing costs.
A survey of current sales conditions up to mid-October 2025 increased four points to 38’ while its gauge of future sales jumped nine points to 54.
A measure of prospective buyer traffic posted a four-point gain to 25.
Builders continued to reduce house prices to lure buyers. Thirty-eight percent reported cutting prices.
The average price reduction rose to 6%, the largest cut in a year, after averaging 5% for several months.
New housing inventory decreased in August after hovering for several months at levels last seen in late 2007.
The Federal Reserve's Beige Book report on Oct. 15, 2025 described economic activity as little changed in recent weeks and said demand for labor was generally muted.
Mortgage rates have fallen only slightly over the last three months and households are still anxious about the job market outlook. This shows that demand will remain weak in November and December 2025.
The National Association of Home Builders/Wells Fargo Housing Market index increased five points to 37 in mid-October, the highest reading since April 2025.
But it remained below the 50 breakeven point for the 18th straight month.
Economists polled by Reuters had forecast the index edging up to 33. The government shutdown amid a standoff over funding has suspended the collection and publication of economic data.
It has also impacted the processing of flood insurance coverage, with realtors warning of severe disruptions to home sales in many states, including Maryland, Virginia, North Carolina and Florida.
Estimated new single-family building permits rebounded in September after plunging in August 2025 to the lowest level in more than two years.
Based on historical data, the October increase for the HMI suggests an approximate 3% increase for the September single-family permit data on a seasonally adjusted annual rate basis.
However, planetary transits that I have calculated show that a meaningful recovery in housing demand, construction and transaction will come in early 2026.
Over spring and summer 2025 higher mortgage rates dampened housing demand, resulting in a glut of unsold new homes on the market.
Mortgage rates recently eased as the Federal Reserve resumed cutting interest rates in September 2025, but the decline has not led to a surge in home buying as economic concerns keep prospective buyers out.
This means that while sections of the housing market have areas with firming-up demand; still, most home buyers are still on the sidelines."
Again, we are in what is called a ‘K-shaped economy,’ that’s where only high-income households push much of the activity.
Even the Federal Reserve’s Beige Book observed that there was strong "spending by higher-income individuals on luxury travel and accommodation."
This too will change into 2026 when it becomes obvious that without labor and the middle class, the economy will continue to suffer until the Federal Reserve gets off its behind and shows some IQ improvement.
Until that happens, those interested in obtaining a BTC forecast and overall astrological financial outlook can contact me.
When you do, please include your birthday, time of birth and place of birth as well as brief comments and/or questions on what you are looking for going into 2026.
~ Theodore White, mundane Astrolog.sci
Email: astro730@gmail.com
Copyright © 2007-2025 Theodore White
Excerpts may be republished with attribution in the body of the material.
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