A Californian lawmaker has just added Bitcoin and crypto investor protections to a February-introduced money transmission bill aimed at securing crypto self-custody rights for the US state’s nearly 40 million residents.

California’s Assembly Bill 1052 was introduced as the Money Transmission Act on Feb. 20, 2025, but was amended by Democrat and Banking and Finance Committee chair Avelino Valencia on March 28 to include several Bitcoin (BTC) and crypto-related investor protections.

The amendments remove the term “Money Transmission Act,” renaming the legislation to “Digital Assets.”

“California often sets the national blueprint for policy, and if Bitcoin Rights passes here, it can pass anywhere,” Satoshi Action Fund CEO Dennis Porter said in a March 30 statement.

“Once passed, this legislation will guarantee nearly 40 million Californians the right to self-custody their digital assets without fear of discrimination.”

Source: Satoshi Action Fund

The bill would also deem the use of a digital financial asset as a valid and legal form of payment in private transactions and would prohibit public entities from restricting or taxing digital assets solely based on their use as payment.

The bill would also expand the scope of California’s Political Reform Act of 1974 to prohibit a public official from issuing, sponsoring or promoting a digital asset, security or commodity.

“A public official shall not engage in any transaction or conduct related to a digital asset that creates a conflict of interest with their public duties,” one section of the AB 1052 states.

AB 1052 is now in the “desk process” — meaning the bill has been formally introduced and is awaiting its first reading.

A total of 99 merchants currently accept Bitcoin payments in California, BTC Maps data shows.

Ripple Labs, Solana Labs and Kraken are among the largest crypto firms based in California.

Related: New BITCOIN Act would allow US reserve to exceed 1M

A stablecoin-related bill was also introduced in California on Feb. 2, 2025, which aims to provide more clarity over stablecoin collateral requirements, liquidation processes, redemption and settlement mechanisms requirements and security audits.

Bitcoin-related bills and measures near 100 at the US state level

According to Bitcoin Law, 95 Bitcoin-related bills or measures have been introduced at the state level in 35 states, including 36 Bitcoin reserve bills that are still live.

The Texas Senate passed a Bitcoin strategic reserve bill in a 25-5 vote on March 6, while Kentucky Governor Andy Beshear signed a Bitcoin Rights bill into law on March 24.

Earlier this month, US President Donald Trump signed an executive order to create a Strategic Bitcoin Reserve and a Digital Asset Stockpile, both of which will initially use cryptocurrency forfeited in government criminal cases.

Magazine: Bitcoin payments are being undermined by centralized stablecoins

Bitcoin miner MARA Holdings Inc (MARA) is looking to sell up to $2 billion in stock to buy more Bitcoin as part of a plan that bears a resemblance to Michael Saylor’s Strategy.

MARA Holdings, formerly Marathon Digital, said in a March 28 Form 8-K and prospectus filed with the Securities and Exchange Commission that it entered into an at-the-market agreement with investment giants, including Cantor Fitzgerald and Barclays, for them to sell up to $2 billion worth of its stock “from time to time.”

“We currently intend to use the net proceeds from this offering for general corporate purposes, including the acquisition of bitcoin and for working capital,” MARA added.

MARA’s move copies a tactic made famous by Bitcoin (BTC) bull Saylor, the executive chair of the largest corporate Bitcoin holder Strategy, formerly MicroStrategy, which has used a variety of market offerings, including stock sales, to amass 506,137 BTC worth $42.4 billion.

MARA Holdings falls just behind Strategy with the second largest holdings by a public company, with 46,374 BTC worth around $3.9 billion in its coffers, according to Bitbo data.

In July, the company’s CEO, Fred Thiel, said it was going “full HODL” and wouldn’t sell any of the Bitcoin it mined to fund its operations, as is typical for crypto miners, and would purchase more of the cryptocurrency to keep in reserve.

Related: Crusoe to sell Bitcoin mining business to NYDIG to focus on AI 

The Bitcoin (BTC) miner’s planned stock sale follows a similar offering it made early last year that offered up to $1.5 billion worth of its shares. It also issued $1 billion of zero-coupon convertible senior notes in November with plans to use most of the proceeds to buy Bitcoin.

Google Finance shows that MARA closed the March 28 trading day down 8.58% at $12.47, following on from crypto mining stocks being rattled a day earlier with reports that Microsoft abandoned plans to invest in new data centers in the US and Europe.

MARA shares have fallen another 4.6% to $11.89 in overnight trading on March 30, according to Robinhood.

Bitcoin is trading just above $82,000, down 1.2% over the past 24 hours after falling from a local high of around $83,500, according to CoinGecko.

Magazine: Bitcoin vs. the quantum computer threat — Timeline and solutions (2025–2035) 

Cybersecurity firm Threat Fabric says it has found a new family of mobile-device malware that can launch a fake overlay for certain apps to trick Android users into providing their crypto seed phrases as it takes over the device.

Threat Fabric analysts said in a March 28 report that the Crocodilus malware uses a screen overlay warning users to back up their crypto wallet key by a specific deadline or risk losing access.

“Once a victim provides a password from the application, the overlay will display a message: Back up your wallet key in the settings within 12 hours. Otherwise, the app will be reset, and you may lose access to your wallet,” Threat Fabric said. 

“This social engineering trick guides the victim to navigate to their seed phrase wallet key, allowing Crocodilus to harvest the text using its accessibility logger.” 

Source: Threat Fabric

Once the threat actors have the seed phrase, they can seize complete control of the wallet and “drain it completely.” 

Threat Fabric says despite it being a new malware, Crocodilus has all the features of modern banking malware, with overlay attacks, advanced data harvesting through screen capture of sensitive information such as passwords and remote access to take control of the infected device. 

Initial infection occurs by inadvertently downloading the malware in other software that bypasses Android 13 and security protections, according to Threat Fabric. 

Once installed, Crocodilus requests accessibility service to be enabled, which enables the hackers to gain access to the device. 

“Once granted, the malware connects to the command-and-control (C2) server to receive instructions, including the list of target applications and the overlays to be used,” Threat Fabric said. 

Once installed, Crocodilus requests accessibility service to be enabled, granting hackers access to the device. Source: Threat Fabric

It runs continuously, monitoring app launches and displaying overlays to intercept credentials. When a targeted banking or cryptocurrency app is opened, the fake overlay launches over the top and mutes the sound while the hackers take control of the device.  

“With stolen PII and credentials, threat actors can take full control of a victim’s device using built-in remote access, completing fraudulent transactions without detection,” Threat Fabric said. 

Threat Fabrix’s Mobile Threat Intelligence team has found the malware targets users in Turkey and Spain but said the scope of use will likely broaden over time. 

Related: Beware of ‘cracked’ TradingView — it’s a crypto-stealing trojan

They also speculated that the developers could speak Turkish, based on the notes in the code, and added that a threat actor known as Sybra or another hacker testing out new software could be behind the malware. 

“The emergence of the Crocodilus mobile banking Trojan marks a significant escalation in the sophistication and threat level posed by modern malware.” 

“With its advanced Device-Takeover capabilities, remote control features, and the deployment of black overlay attacks from its earliest iterations, Crocodilus demonstrates a level of maturity uncommon in newly discovered threats,” Threat Fabric added. 

Magazine: Ridiculous ‘Chinese Mint’ crypto scam, Japan dives into stablecoins: Asia Express

Around a quarter of firms listed on the S&P 500 would have invested in Bitcoin by 2030, with treasury managers fearing they could lose their jobs if they missed out on potential Bitcoin gains, a partner at a tech-focused financial advisory firm said.

“I anticipate that by 2030, a quarter of the S&P 500 will have BTC somewhere on their balance sheets as a long-term asset,” Elliot Chun, a partner at Architect Partners, said in a March 28 blog post.

Chun said this shift will be driven by treasury managers feeling compelled to at least experiment with Bitcoin (BTC).

“If you tried it and it worked, you’re a genius. If you tried it and it didn’t work, you at least tried. But if you didn’t try and have no good reason, your job may be at risk.”

Strategy (MSTR) is the largest corporate Bitcoin holder of all 89 public-traded firms that currently have Bitcoin on their balance sheets, according to data from BitcoinTreasuries.NET.NET.

One more firm could be added to the list after GameStop’s $1.3 billion convertible notes offering on March 26, which the firm intends to use to buy its first batch of Bitcoin.

Tesla and Block are the only S&P 500-listed firms that hold Bitcoin — meaning at least another 123 S&P 500 firms would need to invest in Bitcoin by 2030 for Chun’s prediction to be correct.

The top 10 largest corporate Bitcoin holders. Source: BitcoinTreasuries.NET

Tech investors and execs expect Bitcoin to keep rising

Bitcoin could soar to the $500,000 to $1,000,000 range or even higher by 2030, according to the likes of ARK Invest CEO Cathie Wood, Galaxy Digital CEO Mike Novogratz, Coinbase CEO Brian Armstrong and Block CEO Jack Dorsey.

Meanwhile, firms adopting Bitcoin treasury strategies have seen a positive impact on their share prices. Strategy’s stock has surged over 2,000% since its first Bitcoin investment on Aug. 20, 2020 — massively outperforming Bitcoin (781.1%) and the S&P 500 (64.8%) over that stretch.

But there’s a big difference between firms that adopt Bitcoin for treasury diversification and risk management and those that restructure their entire business models to become the Bitcoin treasury leader within their industries, Chun said.

“Companies who are implementing this strategy in hopes of replicating MSTR’s performance are positioning for disappointment,” said Chun, who referred to Strategy as a “one-of-one.”

MSTR initially provided US asset managers exposure to Bitcoin at a time when they couldn’t hold Bitcoin directly. That changed when the Securities and Exchange Commission approved a handful of spot Bitcoin exchange-traded fund applications on Jan. 10, 2024.

Related: Bitcoin-to-gold ratio breaks 12-year support as gold price hits a record $3K

Despite the increased adoption, Bitcoin used as a treasury asset remains an “unproven strategy” for firms hoping it will hedge against US dollar and fiat inflation or diversify their treasury for risk management purposes, Chun said.

That said, Bitcoin is still a more flexible treasury asset than gold, according to Chun, who pointed out the challenges in storing and moving gold bars.

On the other hand, Bitcoin is a digital commodity that is GAAP-recognized as a tangible asset with a fungible and liquid profile, he added.

Earlier this month, crypto asset manager Bitwise launched Bitwise Bitcoin Standard Corporations ETF, which seeks to track companies with at least 1,000 Bitcoin in their corporate treasuries.

Magazine: Bitcoiner sex trap extortion? BTS firm’s blockchain disaster: Asia Express

Tracy Jin, the chief operating officer at the MEXC crypto exchange, warns that tokenizing real-world assets (RWAs) carries a substantial amount of centralized risks that can lead to censorship, liquidity issues, legal uncertainty, cybersecurity problems, and asset confiscation through state or third-party intermediaries.

In an interview with Cointelegraph, the executive said that as long as tokenized assets remain under the purview of state regulators and centralized intermediaries, then “tokenization will simply be a new version of old financial infrastructure and not a financial revolution.” Jin added:

“Most tokenized assets will be issued on permissioned or semi-centralized blockchains. This gives authorities the power to issue restrictions or confiscate assets. The tokenization of assets such as real estate or bonds is still tied to the national legal system.”

“If the property or company behind the token is local, in a country with an unstable legal environment or high political volatility, the risk of confiscation increases,” the executive continued.

RWA tokenization is projected to become a multi-trillion sector in the next decade as the world’s assets come onchain, which will increase the velocity of money and extend the reach of capital markets worldwide.

The total market cap of the RWA sector. Source: RWA.XYZ

Related: Dubai Land Department begins real estate tokenization project

Estimates of the future RWA market differ dramatically

Tokenized real-world assets include stocks, bonds, real estate, intellectual property rights, energy, art, private credit, debt instruments, fiat currency, commodities, and collectibles.

According to RWA.XYZ, there are currently over $19.6 billion in tokenized real-world assets onchain, excluding the stablecoin sector, which surpassed a $200 billion market cap in December 2024.

A research report from Tren Finance polled large financial institutions, including Citi, Standard Chartered, and McKinsey & Company; the report found that the participants predicted the RWA market to reach anywhere between $4 trillion and $30 trillion by 2030.

Financial institutions provide different forecasts for the future of the tokenized RWA market. Source: Tren Finance

McKinsey & Company has projected that the RWA sector will reach between $2 trillion and $4 trillion by 2030 — a relatively conservative estimate compared to other forecasts.

Meanwhile, institutions like Standard Chartered and executives at the blockchain network Polygon say that the RWA market will reach $30 trillion in the next decade.

Magazine: Real-life yield farming: How tokenization is transforming lives in Africa

Tracy Jin, the chief operating officer at the MEXC crypto exchange, warns that tokenizing real-world assets (RWAs) carries a substantial amount of centralized risks that can lead to censorship, liquidity issues, legal uncertainty, cybersecurity problems, and asset confiscation through state or third-party intermediaries.

In an interview with Cointelegraph, the executive said that as long as tokenized assets remain under the purview of state regulators and centralized intermediaries, then “tokenization will simply be a new version of old financial infrastructure and not a financial revolution.” Jin added:

“Most tokenized assets will be issued on permissioned or semi-centralized blockchains. This gives authorities the power to issue restrictions or confiscate assets. The tokenization of assets such as real estate or bonds is still tied to the national legal system.”

“If the property or company behind the token is local, in a country with an unstable legal environment or high political volatility, the risk of confiscation increases,” the executive continued.

RWA tokenization is projected to become a multi-trillion sector in the next decade as the world’s assets come onchain, which will increase the velocity of money and extend the reach of capital markets worldwide.

The total market cap of the RWA sector. Source: RWA.XYZ

Related: Dubai Land Department begins real estate tokenization project

Estimates of the future RWA market differ dramatically

Tokenized real-world assets include stocks, bonds, real estate, intellectual property rights, energy, art, private credit, debt instruments, fiat currency, commodities, and collectibles.

According to RWA.XYZ, there are currently over $19.6 billion in tokenized real-world assets onchain, excluding the stablecoin sector, which surpassed a $200 billion market cap in December 2024.

A research report from Tren Finance polled large financial institutions including Citi, Standard Chartered, and McKinsey & Company; the report found that the participants predicted the RWA market to reach anywhere between $4 trillion to $30 trillion by 2030.

Financial institutions provide different forecasts for the future of the tokenized RWA market. Source: Tren Finance

McKinsey & Company predicted the RWA sector will encompass between $2 trillion to $4 trillion by 2030 — a relatively modest assessment compared to other forecasts.

Meanwhile, institutions like Standard Chartered and executives at the blockchain network Polygon say that the RWA market will reach $30 trillion in the next decade.

Magazine: Real-life yield farming: How tokenization is transforming lives in Africa

Tracy Jin, the chief operating officer at the MEXC crypto exchange, warns that tokenizing real-world assets (RWAs) carries a substantial amount of centralized risks that can lead to censorship, liquidity issues, legal uncertainty, cybersecurity problems, and asset confiscation through state or third-party intermediaries.

In an interview with Cointelegraph, the executive said that as long as tokenized assets remain under the purview of state regulators and centralized intermediaries, then “tokenization will simply be a new version of old financial infrastructure and not a financial revolution.” Jin added:

“Most tokenized assets will be issued on permissioned or semi-centralized blockchains. This gives authorities the power to issue restrictions or confiscate assets. The tokenization of assets such as real estate or bonds is still tied to the national legal system.”

“If the property or company behind the token is local, in a country with an unstable legal environment or high political volatility, the risk of confiscation increases,” the executive continued.

RWA tokenization is projected to become a multi-trillion sector in the next decade as the world’s assets come onchain, which will increase the velocity of money and extend the reach of capital markets worldwide.

The total market cap of the RWA sector. Source: RWA.XYZ

Related: Dubai Land Department begins real estate tokenization project

Estimates of the future RWA market differ dramatically

Tokenized real-world assets include stocks, bonds, real estate, intellectual property rights, energy, art, private credit, debt instruments, fiat currency, commodities, and collectibles.

According to RWA.XYZ, there are currently over $19.6 billion in tokenized real-world assets onchain, excluding the stablecoin sector, which surpassed a $200 billion market cap in December 2024.

A research report from Tren Finance polled large financial institutions including Citi, Standard Chartered, and McKinsey & Company; the report found that the participants predicted the RWA market to reach anywhere between $4 trillion to $30 trillion by 2030.

Financial institutions provide different forecasts for the future of the tokenized RWA market. Source: Tren Finance

McKinsey & Company predicted the RWA sector will encompass between $2 trillion to $4 trillion by 2030 — a relatively modest assessment compared to other forecasts.

Meanwhile, institutions like Standard Chartered and executives at the blockchain network Polygon say that the RWA market will reach $30 trillion in the next decade.

Magazine: Real-life yield farming: How tokenization is transforming lives in Africa

Crypto exchange Binance has debuted centralized exchange (CEX) to decentralized exchange trades (DEX), allowing customers to use funds from their Binance wallets to execute DEX trades — eliminating the need for asset bridging or manual transfers.

According to the exchange, customers can use Circle’s USDC (USDC) and other supported stablecoins to acquire tokens on the Ethereum, Solana, Base, and BNB Smart Chain networks.

The new CEX to DEX feature is also compatible with other tools on the platform, including Binance Alpha, which gives users the ability to discover emerging tokens in early-stage development, and the Binance quick buy tool.

Incorporating CEX to DEX trading unlocks a smoother user experience and reduces the complexity of swapping digital assets.

This reduction in complexity addresses the technical barrier to entry inherent in the user experience that makes it difficult for new users to interact with digital assets. Complex user interfaces and clunky user experience are some of the most widely cited issues in crypto.

An online meme poking fun at the complexities in crypto. Source: Kev.Eth

Related: Web3’s UX problem — and how to fix it, feat. Ponder One

Overcoming crypto’s user experience problem and getting crypto out of the AOL era

In November 2024, The WalletConnect Foundation and Reown established a standard framework for crypto wallets to enhance the user experience and promote ease of use.

Pedro Gomes, director of the WalletConnect Foundation, told Cointelegraph that the wallet standards framework focused on several key areas, including “minimizing clicks, reducing transaction friction, interoperability, and providing clear and accessible information.”

Anurag Arjun, co-founder of Avail — a unified chain abstraction solution — and the Polygon layer-2 network, also told Cointelegraph that current blockchain abstraction techniques are fragmenting liquidity across the ecosystem.

The Polygon co-founder said that each blockchain network has its own set of security assumptions, presenting challenges for interoperability; Arjun specifically cited bridging techniques as cumbersome for the end user.

Sandeep Nailwal, who founded Polygon alongside Arjun, recently voiced similar sentiments and said that crypto needs to enhance user experience before achieving mass adoption, likening the current state of crypto to the internet in the late 1990s.

Nailwal told Cointelegraph that crypto needs to adopt smoother fiat onboarding, better custody solutions that feature key recovery, and hardware wallets built into mobile devices to bring crypto out of the “AOL era” and achieve mass appeal.

Magazine: They solved crypto’s janky UX problem — you just haven’t noticed yet

Crypto exchange Binance has debuted centralized exchange (CEX) to decentralized exchange trades (DEX), allowing customers to use funds from their Binance wallets to execute DEX trades — eliminating the need for asset bridging or manual transfers.

According to the exchange, customers can use Circle’s USDC (USDC) and other supported stablecoins to acquire tokens on the Ethereum, Solana, Base, and BNB Smart Chain networks.

The new CEX to DEX feature is also compatible with other tools on the platform, including Binance Alpha, which gives users the ability to discover emerging tokens in early-stage development, and the Binance quick buy tool.

Incorporating CEX to DEX trading unlocks a smoother user experience and reduces the complexity of swapping digital assets.

This reduction in complexity addresses the technical barrier to entry inherent in the user experience that makes it difficult for new users to interact with digital assets. Complex user interfaces and clunky user experience is one of the most widely cited issues in crypto.

An online meme poking fun at the complexities in crypto. Source: Kev.Eth

Related: Web3’s UX problem — and how to fix it, feat. Ponder One

Overcoming crypto’s user experience problem and getting crypto out of the AOL era

In November 2024, The WalletConnect Foundation and Reown established a standard framework for crypto wallets to enhance the user experience and promote ease of use.

Pedro Gomes, director of the WalletConnect Foundation, told Cointelegraph that the wallet standards framework focused on several key areas including, “minimizing clicks, reducing transaction friction, interoperability, and providing clear and accessible information.”

Anurag Arjun, co-founder of Avail — a unified chain abstraction solution — and the Polygon layer-2 network, also told Cointelegraph that current blockchain abstraction techniques are fragmenting liquidity across the ecosystem.

The Polygon co-founder said that each blockchain network has its own set of security assumptions, presenting challenges for interoperability; Arjun specifically cited bridging techniques as cumbersome for the end user.

Sandeep Nailwal, who founded Polygon alongside Arjun, recently voiced similar sentiments and said that crypto needs to enhance user experience before achieving mass adoption, likening the current state of crypto to the internet in the late 1990s.

Nailwal told Cointelegraph that crypto needs to adopt smoother fiat onboarding, better custody solutions that feature key recovery, and hardware wallets built into mobile devices to bring crypto out of the “AOL era” and achieve mass appeal.

Magazine: They solved crypto’s janky UX problem — you just haven’t noticed yet

Opinion by: Maksym Sakharov, co-founder and group CEO of WeFi 

The current markets are experiencing tailwinds as a result of the tariffs imposed by the US administration and retaliatory measures from trading partners. So far, however, market proponents say that Trump’s tariffs are primarily a negotiation strategy, and their effect on businesses and consumers will remain manageable.

Market uncertainty drives institutional interest 

Adding to the uncertainty are the inflationary pressures that could challenge the US Federal Reserve’s rate-cutting outlook. Besides that, an impending fiscal debate in Washington over the federal budget is also causing jitters in the market. 

Resolving the debt ceiling remains a pressing issue, as the Treasury currently relies upon “extraordinary measures” to meet US financial obligations. The exact timeline for when these measures will be exhausted is unclear, but analysts anticipate they may run out after the first quarter. 

While the administration has proposed eliminating the debt ceiling, this could face resistance from fiscal conservatives in Congress. According to a recent report, one sector experiencing steady growth is stablecoins despite this macroeconomic uncertainty. Much of the volume is driven by flows in Tether’s USDt (USDT) and USDC (USDC). 

Dollar-pegged stablecoins dominate the market 

Stablecoins started as an experiment — a programmable digital currency that would make it easier for users to enter the crypto market and trade different digital assets. A decade later, they are a critical part of the broader digital financial infrastructure.

The stablecoin market cap currently stands at a record $226 billion and continues to expand. Demand in emerging markets drives this growth. A recent ARK Invest report states that dollar-pegged stablecoins dominate the market. They account for over 98% of the stablecoin supply, with gold- and euro-backed stablecoins only sharing a small portion of the market.

In addition to this, Tether’s USDt accounts for over 60% of the total market. ARK’s research suggests that the market will expand and include Asian currency-backed stablecoins.

Recent: US will use stablecoins to ensure dollar hegemony — Scott Bessent

Besides that, digital assets are going through a shift marked by “stablecoinization” and “dollarization.” Asian nations like China and Japan have offloaded record amounts of US Treasurys. Saudi Arabia has ended its 45-year petrodollar agreement, and BRICS nations are increasingly bypassing the SWIFT network to reduce reliance on the US dollar. 

Bitcoin (BTC) and Ether (ETH) were traditionally the primary entry points into the digital asset ecosystem. Stablecoins have, however, taken the lead over the past two years, now representing 35%–50% of onchain transaction volumes.

Despite global regulatory headwinds, emerging markets have been adopting stablecoins. In Brazil, 90% of crypto transactions are undertaken via stablecoins, primarily used for international purchases.

A Visa report ranks Nigeria, India, Indonesia, Turkey and Brazil as the most active stablecoin markets, and Argentina ranks second in stablecoin holdings. Additionally, six out of every 10 purchases in the country were made using stablecoins pegged to the dollar, with near parity between USDC and USDT.

This shift toward stablecoins in Argentina is driven by high inflation and the need to protect against the devaluation of the Argentine peso. People in countries with unstable currencies turn to stablecoins, like USDT, to safeguard their wealth. 

Deobanks and their role in high-risk areas

Stablecoins have paved the way for a new generation of financial services. For example, stablecoins have provided the foundation for decentralized onchain banks, or deobanks, that embrace stablecoins as their native currency.

Deobanks make digital banking and financial services accessible to everyone, even people who do not meet strict account opening criteria. They also attract people who do not trust traditional institutions with their money. Users keep complete control of their funds through non-custodial accounts and enjoy real-time transaction transparency.

Deobanks’ decentralized nature replaces intermediaries with smart contracts that connect personal wallets directly to digital bank accounts. This approach cuts costs and speeds up transactions. Onchain data transparently preserves every transaction detail. The result is a financial model that is both efficient and inclusive. 

What lies ahead

Analysts predict the stablecoin market cap will surpass $400 billion in 2025. Deobanks bring a new edge to this growth, using stablecoins to drive economic growth and expand digital payment networks. They open fresh avenues for cross-border commerce and new opportunities for financial inclusion. In the next few years, the combined rise of stablecoins and next-generation onchain banks will transform how money moves across borders and transactions are processed. The blockchain integration at the back end and stablecoin foundation will promote lower fees, faster payments and broader access to financial services. The trend represents a shift away from outdated systems and signals a more resilient financial ecosystem.

Opinion by: Maksym Sakharov, co-founder and group CEO of WeFi .

This article is for general information purposes and is not intended to be and should not be taken as legal or investment advice. The views, thoughts, and opinions expressed here are the author’s alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.