securities short-term. The securities involved in the money market are typically traded at wholesale or retail, and their maturities last up to a year. Some of the securities traded at money markets are short-term commercial papers, <strong>certificates of deposit</strong>, and repurchase agreements.</p>\n<p>In case there is a sudden lack of available funds, a money market can be utilized to create <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-liquidity/">liquidity. A lack of liquidity can pose the risk of entities being unable to receive short-term financing. Thus, the money market is a key factor in <strong>maintaining a stable</strong>, functioning economy and preventing crisis situations.</p>\n<p>Some of the most common money market instruments are money market funds and accounts, and <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-certificate-of-deposit-cd/">certificates of deposit</strong></strong></a>.</p>\n<h3>Money Market Funds</h3>\n<p>A money market fund is an investment instrument for individual investors to pool assets together by purchasing the shares in the fund. The fund assets are used for investments into high-quality, low-risk securities. These include <strong>government bonds</strong> and commercial paper.</p>\n<p>The investors have no guarantee for the rate of the <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-roi/">return on investment (ROI)</strong></a>. The returns tend to be far lower than from more typical stock investments due to the lower risks attached. However, the returns from the money market funds are <strong>significantly higher than those from bank</strong> or certificate of deposit (CD) accounts.</p>\n<p>Money market funds are covered by Securities Investor Protection Corporation (SIPC) insurance, while CDs have Federal Deposit Insurance Corporation (FDIC) insurance.</p>\n<h3>Money Market Accounts</h3>\n<p>Money market accounts are <strong>bank accounts that offer additional benefits alongside the traditional functions of a checking account</strong>, like ATM access or check writing.</p>\n<p>There are two criteria setting money market accounts apart from savings accounts:</p>\n<ul>\n<li>Customers must put down a minimum deposit to open the accounts;</li>\n<li>The <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-are-interest-rates/">interest rate</strong></a> on the balance tends to be higher than for savings accounts</li>\n</ul>\n<p>Money market accounts share similarities with checking accounts. The frequency of writing checks or withdrawing money from an ATM may be restricted.</p>\n<p>The differences between money market accounts and checking accounts can make the former option more appealing for customers who are looking into <strong>saving money</strong> but cannot meet the minimum balance requirements that apply to traditional interest-bearing accounts, like savings accounts or certificates of deposit (CD).</p>\n<h3>Certificates of Deposits (CDs)</h3>\n<p>Certificates of deposit (CDs) are considered to be time deposits. Entities holding a CD <strong>must keep their money in the account for a predetermined period of time</strong>.</p>\n<p>The typical duration of a certificate of deposit can last anywhere between 3 months to 10 years. The interest rate is higher the longer the duration is.</p>\n<p>However, there is generally a balance between the duration of the term and its interest rates. 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Terms","updated":false,"chapter":"https://assets.bitdegree.org/crypto/assets/crypto-book/chapters/crypto-101-glossary.jpg","chapter_simple":"https://assets.bitdegree.org/crypto/assets/crypto-book/chapters-simple/crypto-glossary-101.jpg","rating":100,"sections":["A","B","C","D","E","F","G","H","I","J","K","L","M","N","O","P","Q","R","S","T","U","V","W","X","Y","Z"]}],"nextSection":{"id":526,"original_id":null,"author_id":42,"translator_id":null,"title":"What is Moving Average (MA)?","slug":"what-is-moving-average-ma","section":"M","keyword":"Moving Average (MA)","status":"published","definition":"a technical indicator used by marketers to forecast the direction of the trend of an asset.","content":"<p>Moving Average (MA) is a <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-are-technical-indicators/">technical indicator</strong></strong></a> that reacts to changes in financial market trends. Therefore, it is used by marketers to forecast the direction of the trend of an asset. The basic concept of MA is to take an asset's average closing price over an X amount of periods.</p>\n<p>The MA graph usually consists of two lines (<span style=\"color: #e67e23;\"><strong>short-term MA</strong></span> and <span style=\"color: #236fa1;\">long-term MA</span>). The gap between these lines indicates the amount of <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-volume/">volume. If the gap is huge, it means that <strong>the level of volume is really high</strong>.</p>\n<p>When the <span style=\"color: #e67e23;\">short-term MA line</span> crosses the long-term MA <span style=\"color: #236fa1;\">line</span> from below going up, it&rsquo;s called a <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-golden-cross/">golden cross</strong></strong></a>, and it signals a bullish trend <em>(the price is increasing)</em>. However, when the <span style=\"color: #e67e23;\">short-term MA line</span> crosses the <span style=\"color: #236fa1;\">long-term MA line</span> <strong>from above going down</strong>, it&rsquo;s called a <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-death-cross/">death cross</strong></a>, and it means that there is a bearish trend in the price of an asset <em>(the price is decreasing)</em>.</p>\n<h3>Why Is Moving Average (MA) Used?</h3>\n<p>Marketers use the MA to evaluate an asset's support and resistance by analyzing its market movements. The MA depicts the price activity in a straightforward manner that can be utilized by investors to <strong>predict a probability of a bullish or bearish trend</strong>.</p>\n<h3>What is the Best Moving Average (MA) Setting?</h3>\n<p>The best setting for Moving Average (MA) is:</p>\n<ul>\n<li><span style=\"color: #e67e23;\">Short-term MA</span> &ndash; 50 days</li>\n<li><span style=\"color: #236fa1;\">Long-term MA </span>&ndash; 200 days</li>\n</ul>\n<h2>Types of Moving Averages (MAs)</h2>\n<p>Overall there are four types of MAs &ndash; Smoothed, <strong>Weighted</strong>, Exponential, and Simple (or Arithmetic). However, Simple Moving Average (SMA) and Exponential Moving Average (EMA) are the two most popular ones in the financial industry.</p>\n<h3>Simple Moving Average (SMA)</h3>\n<p>The <strong>sum of all the data points in a given time period</strong> is divided by the total number of time periods to generate a Simple Moving Average (SMA).</p>\n<p>The formula to calculate the SMA:</p>\n<p><img title=\"Glossary: Simple Moving Average formula.\" src=https://www.bitdegree.org/"https://assets.bitdegree.org/crypto/storage/media/glossary-moving-average-formula-sma.o.jpg/" alt=\"Glossary: Simple Moving Average formula.\" width=\"181\" height=\"64\" /></p>\n<p><em>Where:</em></p>\n<p><em>n = total number of time periods</em></p>\n<p><em>A = average in an &lsquo;n&rsquo; period</em></p>\n<h3>Exponential Moving Average (EMA)</h3>\n<p>The Exponential Moving Average (EMA) focuses on <strong>recent price data</strong> while also retaining previous price insights for traders to examine and make informed investment decisions. Therefore, traders prefer using EMA more than SMA.</p>\n<p>The formula to calculate the EMA:</p>\n<p><img title=\"Glossary: Exponential Moving Average formula.\" src=https://www.bitdegree.org/"https://assets.bitdegree.org/crypto/storage/media/glossary-moving-average-formula-ema.o.jpg/" alt=\"Glossary: Exponential Moving Average formula.\" width=\"679\" height=\"76\" /></p>\n<p><em>Where:</em></p>\n<p><em>EMA = Exponential Moving Average</em></p>\n<p><em>Smoothing = 2 (increase it if you want the recent price observations to have a bigger impact on the EMA)</em></p>\n<p>MA is one of the better indicators for traders, however, <strong>it&rsquo;s</strong> best to use a combination of various indicators. Some of the other useful ones include the <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-aroon-indicator/">Aroon indicator</strong></a>, <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-on-balance-volume-obv/">OBV, <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-moving-average-convergence-divergence-macd/">MACD, <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-relative-strength-index-rsi/">RSI, and the <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-stochastic-oscillator/">stochastic oscillator</strong></a>.</p>\n<p>&nbsp;</p>","level":"medium","meta_title":"What is Moving Average (MA)? Definition & Meaning | Crypto Wiki","meta_description":"Moving Average (MA) meaning: Moving Average (MA) - a technical indicator used by marketers to forecast the direction of the trend of an asset.","meta_keywords":null,"language":"en","created_at":"2022-03-23T08:39:23.000000Z","updated_at":"2022-05-13T14:32:23.000000Z","preview_url":"https://www.bitdegree.org/crypto/learn/crypto-terms/what-is-moving-average-ma"},"prevSection":{"id":524,"original_id":null,"author_id":41,"translator_id":null,"title":"What is Money Laundering?","slug":"what-is-money-laundering","section":"M","keyword":"Money Laundering","status":"published","definition":"an illegal financial activity of hiding financial assets from authorities.","content":"<p><strong>Money laundering</strong> is the criminal financial activity of hiding income sources and cash flows from legal authorities. Some of the earliest money laundering schemes were noted in the 1930s, during the Prohibition era in the United States. Money laundering techniques were used to hide illegal alcohol sales.</p>\n<p>The goal of money laundering schemes is to <strong>hide money</strong>, typically large amounts of assets, from financial authorities. Entities committing money laundering may use shell companies, offshore banks, or other fraudulent organizations to cover up the funds.</p>\n<p>Purchasing art or luxury goods, like yachts, is a <strong>common strategy</strong> for money laundering and avoiding declarations.</p>\n<p><a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-cryptocurrency/">Cryptocurrencies are often considered to be a potential money-laundering mechanism. In 2021, Recep Tayyip Erdoğan, President of Turkey, banned all cryptocurrency assets from being used as a valid payment source, on the basis of <strong>fraud and criminal activities</strong>.</p>\n<p>Some countries, such as Algeria, Bolivia, and North Macedonia, have established anti-cryptocurrency, and <a href=https://www.bitdegree.org/"/crypto/learn/crypto-terms/what-is-anti-money-laundering-aml/">anti-money laundering (AML)</strong></a> regulations to restrict the use of cryptocurrencies and reduce the possibility of digital assets being used for illicit purposes.</p>","level":"easy","meta_title":"What is Money Laundering? Definition & Meaning | Crypto Wiki","meta_description":"Money Laundering meaning: Money Laundering - an illegal financial activity of hiding financial assets from authorities.","meta_keywords":null,"language":"en","created_at":"2022-03-23T08:11:25.000000Z","updated_at":"2022-05-13T14:32:23.000000Z","preview_url":"https://www.bitdegree.org/crypto/learn/crypto-terms/what-is-money-laundering"},"currentChapter":"M","currentSection":"what-is-money-market","chapterTitle":"M","readingLevel":"medium"},"url":"/crypto/learn/crypto-terms/what-is-money-market","version":"cdd198d50cbe5c9c21c9329d7c096ffc"}" class="container-fluid d-flex crypto-book p-0">
Crypto Terms: Letter M

What is Money Market?

Money Market MEANING:
Money Market - a financial market for short-term lending and borrowing.
Medium
2 minutes

Let's find out Money Market meaning, definition in crypto, what is Money Market, and all other detailed facts.

Money market refers to a financial market where investors can trade or borrow securities short-term. The securities involved in the money market are typically traded at wholesale or retail, and their maturities last up to a year. Some of the securities traded at money markets are short-term commercial papers, certificates of deposit, and repurchase agreements.

In case there is a sudden lack of available funds, a money market can be utilized to create liquidity. A lack of liquidity can pose the risk of entities being unable to receive short-term financing. Thus, the money market is a key factor in maintaining a stable, functioning economy and preventing crisis situations.

Some of the most common money market instruments are money market funds and accounts, and certificates of deposit.

Money Market Funds

A money market fund is an investment instrument for individual investors to pool assets together by purchasing the shares in the fund. The fund assets are used for investments into high-quality, low-risk securities. These include government bonds and commercial paper.

The investors have no guarantee for the rate of the return on investment (ROI). The returns tend to be far lower than from more typical stock investments due to the lower risks attached. However, the returns from the money market funds are significantly higher than those from bank or certificate of deposit (CD) accounts.

Money market funds are covered by Securities Investor Protection Corporation (SIPC) insurance, while CDs have Federal Deposit Insurance Corporation (FDIC) insurance.

Money Market Accounts

Money market accounts are bank accounts that offer additional benefits alongside the traditional functions of a checking account, like ATM access or check writing.

There are two criteria setting money market accounts apart from savings accounts:

  • Customers must put down a minimum deposit to open the accounts;
  • The interest rate on the balance tends to be higher than for savings accounts

Money market accounts share similarities with checking accounts. The frequency of writing checks or withdrawing money from an ATM may be restricted.

The differences between money market accounts and checking accounts can make the former option more appealing for customers who are looking into saving money but cannot meet the minimum balance requirements that apply to traditional interest-bearing accounts, like savings accounts or certificates of deposit (CD).

Certificates of Deposits (CDs)

Certificates of deposit (CDs) are considered to be time deposits. Entities holding a CD must keep their money in the account for a predetermined period of time.

The typical duration of a certificate of deposit can last anywhere between 3 months to 10 years. The interest rate is higher the longer the duration is.

However, there is generally a balance between the duration of the term and its interest rates. If a year-long certificate has a lower deposit, its interest rate may be higher than that of a five-year certificate with a larger deposit.