Every crypto price prediction this fall leans on the same hope: that regular savers finally show up. This week, a big piece of that hope landed.
Charles Schwab opened bitcoin and ether trading to clients holding $13.33 trillion, per Crypto Briefing. Meanwhile, BTC sits at $82,373 on CoinMarketCap, 35% under its $126,198 high, so the new money is walking in at a discount.
History is clear about who gets paid most when new money arrives: the earliest buyers. In 2010, 10,000 BTC bought two pizzas worth $41, per Decrypt.
The headlines go to the giants, but the money is made one step earlier. Pepeto sits at that step, a meme coin presale that has already drawn more than $11.1 million from buyers who got in before Schwab's crowd started looking.
Charles Schwab finished opening bitcoin and ether trading to all eligible US retail clients this week, Crypto Briefing reported on October 16. The broker serves about 40 million investors, and each trade costs a flat 0.75%, with a $1 minimum, TechTimes reported the same day.
Solana, Avalanche and Chainlink are due by the end of 2026. That puts one of the largest pools of savings in America a few clicks away from crypto.
The real question is where that money goes once Bitcoin starts to feel expensive, and how much it loses to fees on the way.
Those fees add up fast. Schwab's new buyers pay 0.75% on every trade, and most swap sites take a cut of their own. Pepeto was built for a market where fees eat into every move, and its exchange takes nothing.

That exchange, PepetoSwap, is live right now. The swap fee is 0.00%, so traders pay only network gas. They can place market orders, limit orders that wait for a set price, and DCA orders that buy a little at a time.
MEV protection is on by default, so bots cannot jump ahead of a trade and push up its price. Coins stay in the trader's own wallet the whole time. The trading pools are funded by the project treasury and by stakers, who earn from a staking pool rather than from anyone's trades.
The savings are easy to count. A $1,000 trade costs $3 on Uniswap, $2.50 on PancakeSwap and $7.50 at Schwab's rate, while on PepetoSwap it costs $0. Over 200 trades of $5,000 each, Uniswap takes $3,000 and PepetoSwap still takes nothing.
Free trading pulls in traders, and that is the setup behind the 100x analysts project once Pepeto lists. At $0.00000019 a token, $1,000 equals about 5.26 billion Pepeto, a stack worth $100,000 at that level.
The Binance listing is approaching, still without a date, and every new stage lifts the price. A stage closes the moment its clock ends or its goal fills, so buyers who wait for a listing date end up paying more.
BTC has one level to clear this week: $84,200. Trader Ardi says a break there would end the sellers' grip, per crypto.news on October 16. The coin trades near $82,373 after a weekly low of $79,800, with support at $80,000 and the 200 day average far below at $72,397.
Schwab's new buyers could be the push it needs. Still, a full return to the old high takes a 53% climb, which is a slow road for a $1.65 trillion coin.
TRX is sitting right on its trigger. It can reach $0.3400 if it holds a weekly close above $0.3331, per TokenPost on October 15. It trades at $0.3352 on CoinMarketCap, just above that line, and a daily close under $0.3220 would open $0.3150.
TRX sits 24% under its $0.4407 high from December 2024, and even a clean break to $0.34 pays about 1.4%. It is steady and reliable, but for anyone chasing real returns, steady pays little.
This crypto price prediction comes down to two things: what a coin does today, and when it was bought. Schwab just let 40 million people in, but BTC and TRX are already big, so they move slowly.
Pepeto is the opposite. It has a live free exchange, more than $11.1 million raised and its Binance listing approaching, all while it still sells at a presale price.
In 2010, 10,000 BTC paid for $41 of pizza, and today those coins are worth about $824 million. The only edge those early holders had was time.
That same edge sits on the Pepeto official website today, but only until this stage hits its clock or its goal. The buyers who move before then are already holding when Schwab's crowd goes looking for the next big coin.
Click To Visit Pepeto Website To Enter The Presale

The crypto price prediction draws attention because Schwab just opened bitcoin to about 40 million investors. Pepeto puts buyers ahead of that money, with analysts projecting 100x after listing.
Pepeto has no listing date yet, but its Binance listing is approaching. Like Bitcoin in 2010, time is the edge, and every stage on the Pepeto official website costs more.