Crypto Markets

خلاصہ: How Ripple Pulled Off the Year’s Biggest Crypto Raise While XRP Tumbled 40%Ripple’s recent $500 million share sale attracted top Wall Street investors, but its structure showed just how carefully traditional finance now treads in digital assets. Citadel Securities, Fortress Investment Group, Marshall Wace, Brevan Howard, Galaxy Digital, and Pantera Capital participated in the November round. The deal valued Ripple at $40 billion, a record for a privately held crypto company. Several funds assessed that at least 90% of Ripple 's net asset value derives from XRP, the cryptocurrency closely tied to the company, Bloomberg reported, adding that Ripple held $124 billion worth of XRP as of July. Much of that remains locked up and releases gradually. Volatile Market Tests Valuations Investors negotiated the right to sell shares back to Ripple after three or four years and received a guaranteed 10% annualized return. If Ripple forces a buyback, the return jumps to 25%. A liquidation preference clause gives new shareholders priority over existing ones in a sale or bankruptcy . XRP has since dropped roughly 40% from its mid-July peak, with the token falling about 16% since late October, when Ripple announced the funding. The decline came during the sharpest crypto selloff since 2022. Despite the drop, Ripple's XRP holdings still exceed the company's valuation. The treasury stood at $83.3 billion as of early December, assuming no changes since July. Ripple would owe investors $732 million if it repurchases shares after four years at the guaranteed rate, according to Bloomberg calculations. Broader Crypto Funding Wave The platform has expanded through acquisitions this year. The company bought prime brokerage Hidden Road for $1.25 billion in April. It acquired treasury software provider GTreasury for $1 billion in October. These moves could reduce XRP's weight in Ripple's overall valuation over time. Recently, Ripple expanded its institutional services in the U.S. with the launch of its digital asset spot prime brokerage offering, giving professional investors a single platform to trade, clear, and finance their crypto positions. The rollout followed the company’s integration of Hidden Road, the multi-asset brokerage it acquired earlier this year and has since rebranded as Ripple Prime. Under the Ripple Prime banner, institutional clients in the U.S. can now execute OTC spot transactions across a wide range of digital assets. The service also covers trades involving XRP, Ripple’s native token, as well as its U.S. dollar–backed stablecoin, RLUSD. This article was written by Jared Kirui at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: Ondo’s SEC Clearance Comes as European Tokenized Stocks Advance via BitgetThe US Securities and Exchange Commission has closed its investigation into the New York-based tokenization platform Ondo Finance. The probe began in 2023 and ended without any charges. Separately, Ondo received Liechtenstein approval last month to offer tokenized stocks and ETFs across the European Union and wider European Economic Area. The approval followed Ondo Finance’s integration with cryptocurrency exchange Bitget and Bitget Wallet, allowing non-US users to access tokenized real-world assets, including stocks and ETFs. SEC Clears Ondo Multi-Year Investigation Ondo said that it received formal notice from the SEC that the “confidential, multi-year” investigation was closed. The review examined whether Ondo’s tokenization of real-world assets complied with federal securities laws. It also assessed whether the ONDO token qualified as a security. The company said, “The probe examined whether Ondo’s tokenization of certain real-world assets complied with federal securities laws as well as whether the ONDO token was a security.” The SEC has formally closed a confidential Biden-era investigation into Ondo — without any charges.The inquiry began in 2024, focused on whether Ondo’s tokenization of certain real-world assets complied with federal securities laws as well as whether the ONDO token was a… pic.twitter.com/yV4xVX7Qrx — Ondo Finance (@OndoFinance) December 8, 2025 Crypto “Enforcement Eases” After SEC Leadership Change According to a report by Crypto in America, the SEC opened the inquiry in October 2023 under former Chair Gary Gensler, whose tenure was marked by stricter enforcement toward crypto firms. Since Paul Atkins became SEC chair, the agency has closed several crypto-related cases, including those involving Coinbase, Ripple, and Kraken. Tokenized Securities Could Enter US Markets Ondo said the investigation began during a period of regulatory uncertainty. It described the environment as defined by “caution, confusion, and occasionally overbroad enforcement actions” and noted it was “one of the only firms focused on tokenizing publicly listed equities at scale.” The company added, “Being early, and being successful, came with scrutiny.” It said the closure marks the end of one chapter and the start of another, where tokenized securities could become a “core part of the US capital markets.” Most tokenization platforms continue to focus on customers outside the United States, offering tokenized versions of US-listed stocks and ETFs mainly to European clients, including Kraken-owned Backed, the issuer of xStocks. This article was written by Tareq Sikder at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: Kraken Links With Avelacom to Speed Up Crypto Trading for InstitutionsKraken has partnered with Avelacom to give institutional clients faster access to its trading systems, aiming to appeal to firms using latency-sensitive strategies in digital asset markets. The deal connects Avelacom’s network directly to Kraken’s matching engine. The setup allows professional traders to receive market data and execute orders more quickly, enabling strategies such as cross-exchange arbitrage and liquidity aggregation. Low-latency connection for Kraken clients In an announcement on Monday, Kraken said clients using the integration can expect real-time price updates with minimal delay and improved execution consistency. The exchange called the upgrade part of its effort to meet the needs of institutions trading across multiple liquidity venues. Avelacom operates a global network linking major financial hubs, including London and Tokyo. Its fiber route between the two cities offers sub-138 millisecond round-trip latency, while hybrid routes combining fiber and wireless further reduce transmission time. Expanding institutional infrastructure The partnership strengthens Kraken’s institutional infrastructure as demand grows for faster and more robust trading systems in the crypto sector. Kraken offers access to the network through its institutional division for clients seeking enhanced trading performance. Expect ongoing updates as this story evolves. This article was written by Jared Kirui at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: Bitcoin Price Collapse Signals Risk-Off Mood in Crypto Markets After touching more than $126,000 in October, Bitcoin plunges below $86,000 in early December, a sobering wake-up call for investors betting on a perpetual bull runThe Drop: What Happened?It did not go quietly. In early Asian trading on Monday December 1, Bitcoin dropped sharply. The world’s biggest cryptocurrency lost up to 6 percent, dipping below $86,000. Earlier reports had flagged it crossing under $88,000, already a bruising moment after a rally that earlier pushed Bitcoin into six-figure territory. Bitcoin isn’t alone in this. Across the crypto market, tokens followed the same flight path. Ethereum, for instance, tumbled by more than 7 percent to around $2,800 in the same session, along with drops for RP, BNB, Solana, Cardano, Tron and more.Why It’s Falling: Risk Sentiment, Macro Jitters, and Exhausted BuyersThe decline is being widely described as a “risk-off start to December”, meaning investors are dumping risky assets, and crypto is at the top of that list.BREAKING: Bitcoin falls -$4,000 in 2 hours as mass liquidations return.$400 million worth of levered longs have been liquidated over the last 60 minutes. pic.twitter.com/qKB7MYJapu— The Kobeissi Letter (@KobeissiLetter) December 1, 2025Investor caution has ramped up amid macroeconomic uncertainty. With fewer expecting interest-rate relief from the Federal Reserve and inflation still stubborn in major economies, risk assets are getting trashed, and crypto is no exception. In addition, there are fears that the Bank of Japan is set to raise interest rates.Absence of Dip-Buyers and Raised Red FlagsNormally, when Bitcoin dips, a fresh wave of buyers swoops in thinking they’re getting a steal. Not this time. Analysts point to “meagre inflows into Bitcoin exchange-traded funds and the absence of dip buyers” as a key reason why the fall accelerated. With no immediate bargain hunters coming in, leveraged positions likely unwound quickly. The result: more liquidations, more downward pressure, more panic.Macro Cross-Winds and Institutional StrainThe crypto rally had been partly fueled by hopes around rate cuts and institutional capital flows. That tide may be turning. Some institutional holders are now sitting on losses. With falling prices, there’s also pressure on crypto-heavy firms and funds, which may spark forced selling.My family: You’ve been buying bitcoin for over 5 years you must be so rich by nowMe:pic.twitter.com/P1bVIOLBG3— The ₿itcoin Therapist (@TheBTCTherapist) December 1, 2025The broader pattern recalls previous sell-offs: high volatility, quick reversals, and a steep flight from risk assets.Danger, Opportunity, Or Both?Several analysts now say the $80,000–$85,000 range has become critical support. If that zone holds, Bitcoin could stabilize or even rebound over coming weeks. But if that floor cracks, we could be witnessing the beginning of a much deeper drop. For holders who bought near the October peak of $126,000, a return to profitability may still lie far off.Volatility Is Back With a VengeanceCrypto fans love volatility when it goes up. It’s less fun when it goes down. This drop underlines how closely Bitcoin remains tied to risk sentiment and macro conditions, and that it is not insulated from economic turbulence.If macroeconomic uncertainty persists, say, further rate-hike surprises or weak economic data, expect more swings. For veteran crypto traders, that means opportunity. For newcomers, it could be bruising. Could This Be a Buying Opportunity?For disciplined investors, this might be a discount window. If holders believe in Bitcoin’s long-term fundamentals, accumulating slowly via dollar-cost averaging around support could pay off, provided they can stomach the swings.For hedge funds and institutional buyers, the collapse might also reignite interest: lower prices, high liquidity, potential for rebound, if macroeconomic winds shift back in their favor.But Don’t Pretend It’s Risk-FreeThis is not a safe haven. Bitcoin is behaving like an ultra-volatile risk asset, correlated with broader markets, sensitive to policy signals, and prone to sudden dumps. Anyone treating this as digital gold or a stable store of value is likely in for a shock.LIKE, IF YOU ARE NOT SELLING #BITCOIN pic.twitter.com/ZFD82Cj4N2— Vivek Sen (@Vivek4real_) December 1, 2025What’s Next: What to WatchWhether Bitcoin stabilizes near $85,000–$80,000 or slides toward lower zones.Fresh signals from central banks (especially the Fed) on interest-rate policy.ETF flows and institutional demand: whether buyers step in or continue pulling out.Global market sentiment. If equities recover, crypto could ride shotgun — but if the risk-off mood deepens, more pain may be coming.Bitcoin’s crash below $86,000 might feel like a gut-punch for bulls. But in volatile crypto land, yesterday’s horrors can become tomorrow’s value plays, if you’re ready for the ride. This article was written by Louis Parks at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: VerifiedX Turns to Crypto.com for $1.5B Custody to Win Institutional TrustWeb3 infrastructure project VerifiedX has enlisted major exchange Crypto.com to provide institutional-grade custody and liquidity for $1.5 billion in digital assets. The deal highlights a fundamental trend in the digital-asset space. Although VerifiedX promotes decentralization and self-custody for retail users through products like its Switchblade Wallet, it is now turning to a large, regulated provider to meet institutional needs. Institutions require strict security, compliance and insurance standards, which VerifiedX cannot satisfy on its own infrastructure.Digital assets meet tradfi in London at the FMLS25This shift aligns with Crypto.com’s broader institutional push, including its recent approval for a full set of CFTC derivatives licenses to support U.S. expansion.For VerifiedX, the move is a strategic effort to attract venture capital firms, family offices and other professional investors that operate under frameworks such as the SEC’s rules in the U.S. and the EU’s MiCA regime. Inside the Institutional-Grade Deal Under the new agreement, institutional clients will be able to store assets through Crypto.com’s certified custody platform. The service carries SOC 1 and SOC 2 Type II attestation, complies with ISO/IEC 27001 and is backed by $120 million in insurance coverage. It also offers multi-level governance controls and customizable permission workflows designed for regulated entities that require auditable processes. VerifiedX will additionally integrate Crypto.com’s Over-the-Counter trading infrastructure. This will give institutional participants access to deeper liquidity and facilitate wholesale transfers while minimizing slippage on large transactions.“Crypto.com Custody is specifically designed with expectations of institutional-grade clients,” said Eric Anziani, President and COO of Crypto.com. Strengthening a Growing Partnership The custody mandate marks a substantial expansion of the relationship between the two companies. Their collaboration began in September, when VerifiedX added Crypto.com Pay to its wallet infrastructure to streamline retail onboarding and payments.Crypto.com has also been advancing its global regulatory footprint, recently receiving in-principle approval to settle Dubai government payments in stablecoins — further strengthening its positioning as a cross-border Web3 infrastructure provider.Shifting from a retail-focused payment integration to handling a $1.5 billion institutional custody arrangement reflects a deeper level of trust between the firms and a clear evolution in VerifiedX’s strategy. This article was written by Tanya Chepkova at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: As Bitget and Kraken Add Equity Access, HelloTrade to Offer Leveraged Trading to Retail InvestorsHelloTrade has raised $4.6 million in seed funding to build a new blockchain-based trading platform. Dragonfly Capital led the round. The company said the funding closed in under a week. It cited investor interest in the market and the founders’ earlier work at BlackRock, where they helped launch the firm’s spot Bitcoin ETF.Digital assets meet tradfi in London at the fmls25The launch comes as other crypto platforms explore new ways to offer equity-linked products. Bitget and Kraken now provide “always-on” tokenized U.S. equities, including Apple, Tesla, and the S&P 500. These tokens clear on-chain within seconds and trade 24/5. They do not require a traditional brokerage account. Critics argue they resemble CFDs rather than real shares. MEXC has also rolled out USDT-settled stock futures with up to 5× leverage. The exchange said the contracts give users exposure to U.S. equities without a standard brokerage setup.Platform Offers Leveraged Trading for RetailHelloTrade’s founders said access to global markets has long been limited by geography, high capital requirements, and old brokerage systems. They added that these limits affect both retail and professional users seeking leveraged or directional exposure to equities. The company aims to address these issues through a mobile-first product that removes several steps that are common in crypto trading. Kevin Tang said “trading stocks with leverage shouldn’t be gated by geography or account minimums.” He added that crypto derivatives reshaped access to digital assets and that the company wants to apply “the same ethos” to traditional markets. The advisor group includes Arthur Hayes, Josh Lim, David C., Larry Florio, and Andrew Saunders. HelloTrade said their experience will support the platform’s development.Founders Apply BlackRock Experience to DesignThe platform runs on MegaETH. It will offer leveraged exposure to equities, ETFs, commodities, and crypto. The company said there is no wallet setup, no gas payments, and no technical language. Trades can be placed at a speed similar to traditional brokers. HelloTrade said MegaETH enables this by processing more than one hundred thousand transactions per second.Wyatt Raich said his time at BlackRock showed the scale of global demand for secure and well-managed digital asset products. He said working on IBIT, ETHA, and BUIDL highlighted an opportunity to bring similar standards to a wider user base. He said this approach shapes HelloTrade’s design. This article was written by Tareq Sikder at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: French Bank Societe Generale Introduces First U.S. Blockchain BondSociete Generale has taken a major step in merging traditional finance with blockchain technology by issuing its first digital bond in the United States. The short-term, floating-rate debt securities were sold to trading firm DRW and issued on the Canton Network blockchain using Broadridge’s tokenization technology. This move marks one of the earliest digital securities offerings aimed at U.S. institutional investors.Digital assets meet tradfi in London at the fmls25Pioneering Tokenized SecuritiesThe bonds were reportedly issued as security tokens under SG-FORGE, Societe Generale’s digital asset-focused subsidiary. SG-FORGE has previously led a series of tokenized bond issuances in Europe since 2019, providing end-to-end blockchain services for financial products. The U.S. debut extends these capabilities to American institutional markets, signaling growing adoption of digital-native instruments. The Canton Network, developed by Digital Asset, enabled instant on-chain transfer while maintaining compliance with conventional capital markets practices.Broadridge’s newly launched tokenization solution adds transparency, traceability, and faster settlement, providing a blueprint for future tokenized issuances.Societe Generale and Broadridge leveraged IntellectEU’s Catalyst Blockchain Manager to operate nodes within the Canton Network’s decentralized infrastructure, called the Global Synchronizer. BNY is serving as paying agent for the bonds, while Mayer Brown advised on legal matters, ensuring the issuance adheres to regulatory standards.Infrastructure and CollaborationThis inaugural U.S. digital bond issuance represents more than a single transaction; it underscores the potential for tokenization to reshape the way institutional investors access and manage securities.Societe Generale’s approach combines its financial structuring expertise with digital capabilities, creating a model for future asset classes, structured products, and broader blockchain adoption in regulated markets. This month, SG-FORGE, the digital asset subsidiary of Societe Generale, launched a U.S. dollar-pegged stablecoin called USD CoinVertible (USDCV).Read more: Interactive Brokers Adds Taiwan's Taipei Exchange, Expanding Global Trading OptionsThe stablecoin is reportedly issued on both the Ethereum and Solana blockchains, with BNY Mellon acting as the reserve custodian. Societe Generale expects trading of USDCV to begin in early July, though it will not be available to U.S. residents.This issuance represents the first time a major global banking group has released a USD-backed stablecoin on public blockchains. It follows SG-FORGE’s earlier launch of EUR CoinVertible (EURCV), a euro-denominated stablecoin, in 2023. This article was written by Jared Kirui at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: Stablecoins Move Into the Mainstream: What Institutions Expect NextAs policymakers continue to shape their stablecoin plans, Finance Magnates London Summit panellists give a preview of their discussion on financial services use cases and outline some of the challenges to broader retail adoption.The panel on “Stablecoins for a Destabilized World: Use Cases in Financial Services” will feature Jas Shah, Product Strategist and Advisor, Independent; Luke Dorney, Head of Custody, LMAX Group; Andrew Rosoman, International Head of Business Development, Ripple Prime; Harpal Sandhu, CEO, Integral; and Melissa Stringer, Fractional CPO and Product Strategy, Consultant.Digital assets meet tradfi in London at the fmls25The Bank of England’s consultation on regulating systemic stablecoins is the latest step in the progress of these pegged cryptocurrencies. As with any asset, it is important to understand not only where it fits into the financial services sector now, but also what the next stage will look like."Cutting 60–80% of Correspondent Banking Costs"Fractional CPO and product strategy consultant Melissa Stringer – who will moderate the ‘Stablecoins for a Destabilised World: Use Cases in Financial Services’ session at FMLS on 26 November – says the most useful use cases are in cross-border B2B payments and treasury settlement.“Institutional payment providers are already using stablecoins as a back-end settlement layer, keeping existing client interfaces while cutting 60–80% of correspondent banking costs and compressing settlement times from days to under an hour,” she explains.A strong emerging model is hybrid settlement: conventional FX on the front end with stablecoin rails underneath. This model preserves regulatory controls while enabling 24/7 liquidity.“Another area is programmable trade finance, payments that release automatically when verified conditions are met (for instance, a shipment clearing customs),” adds Stringer. “That turns week-long processes into hours and removes most manual checks.”Luke Dorney, head of custody at LMAX Group and session panellist, agrees that outside the native crypto space, the most important real-world use for stablecoins is in cross-border payments and remittances, where they are increasingly being explored for corporate treasury management and as programmable money through smart contracts to automate complex financial transactions.“For institutional FX markets, stablecoins are expected to drive growth in 24/7 trading and reduce counterparty and settlement risk,” he says. “But this shift needs strong infrastructure, clear execution and global regulatory alignment.”"The First Is Institutional Settlement and Treasury Rails"Another session participant, Andrew Rosoman, head of business development at Hidden Road, points to three main use cases.“The first is institutional settlement and treasury rails,” he explains. “Fiat-backed stablecoins are a 24/7 settlement asset useful for moving collateral between venues, funding accounts across time zones and reducing counterparty and operational risk in post-trade workflows.”On exchanges and OTC, stablecoins act as a near-cash margin asset, speeding capital rotation and allowing tighter funding windows.“In cross-border payments and FX, for B2B flows stablecoins cut friction compared to older correspondent banking systems, offering faster finality and clear fees,” adds Rosoman, who suggests that the main challenges to broader retail adoption include on/off-ramp user experience and protections; standardisation and fragmentation; and trust and education.“In the medium term, stablecoins will influence treasury upgrades for corporates and institutions, supporting always-on cash management, instant internal transfers and programmable payouts,” he says. “Stablecoins also have a part to play as the ‘cash leg’ for tokenised assets and collateral movement across venues, as well as for remittances, merchant settlement and embedded finance where speed and certainty matter more than yield.”The main obstacles to broader retail adoption are perception and integration rather than technology, says Stringer.“Retail investors still mix up regulated, asset-backed stablecoins (USDC, PYUSD) with failed algorithmic models like UST,” she says. “Also, the user experience must improve – consumers should not need to manage private keys. Banks and brokers need to include stablecoin functions directly in their existing apps, giving simple on-/off-ramps.”Stringer highlights three areas where stablecoins will have the greatest effect in the short to medium term: • Liquidity management – freeing trapped working capital by removing the need for pre-funded nostro/vostro accounts • Cross-border payroll and remittances – especially in emerging markets, where mobile wallets plus stablecoins can avoid costly correspondent networks • Supply chain finance – conditional payments that settle at once once checks pass, directly helping with the trade finance gapThe past lack of regulatory clarity remains a major block, although regulatory progress has now become real frameworks that will help the market grow while protecting consumers and supporting innovation."Clarity Is Also Still Needed on Systemic Risk Management"“Other practical issues include the lack of simple on- and off-ramps for converting stablecoins to local currency, which can be costly and inconvenient, and the fact that regulatory frameworks (like the GENIUS Act) often stop stablecoins from offering yield, making them less competitive as a savings or investment tool compared to standard interest-bearing accounts and money market funds,” says Dorney.He says the GENIUS Act and the MiCA framework are allowing major institutions to use stablecoins for real-time settlement of tokenised assets, more efficient cross-border settlement and managing on-chain liquidity.“Their role in cross-border payments and remittances will keep expanding fast, cutting costs and boosting efficiency for both individuals and businesses,” adds Dorney, while noting that a lot of work is still needed to reach simple, global usability.“Clarity is also still needed on systemic risk management, including the possibility of non-bank issuers accessing central bank services to manage liquidity and prevent runs, as well as the creation of specific legal structures to cover the on-chain issue and trading of tokenised securities like ETFs under existing laws,” he continues.With MiCA, FSMA and the GENIUS Act setting reserve, custody and disclosure standards, Stringer says the remaining task is cross-border alignment – how capital rules, yield-bearing tokens and collateral treatment match across regions.“The key point here is that regulators have said ‘yes’ to stablecoins,” she notes. “Now the industry must put this into practice. The next 18–24 months are a major chance for regulated institutions to lead before new players set the norms. Stablecoins will not replace standard finance, they will support it. The winners will be payment providers and banks that improve their infrastructure to become...

خلاصہ: US Regulator Signals Guidance on Stablecoins, Tokenized Deposit InsuranceThe Federal Deposit Insurance Corporation is considering guidance for tokenized deposit insurance. The agency also plans to introduce an application process for stablecoins by the end of this year.Digital assets meet tradfi in London at the fmls25Stablecoins’ market capitalization reached $193 billion by 1 December last year, with transaction volumes of $27.1 trillion by November, nearly triple the previous year. Analysts project the sector could reach $3 trillion within five years. Excluding stablecoins, tokenized real-world assets rose over 60% to $13.5 billion, mainly in private credit and U.S. Treasurys.Regulator Signals Rules for Tokenized DepositsActing FDIC Chair Travis Hill said at the Federal Reserve Bank of Philadelphia’s Fintech Conference that guidance on tokenized deposit insurance will eventually be released. “My view for a long time has been that a deposit is a deposit. Moving a deposit from a traditional-finance world to a blockchain or distributed-ledger world shouldn’t change the legal nature of it,” Hill said, according to Bloomberg.Regulator Sets Capital, Risk StandardsThe FDIC insures deposits at regulated banks. Hill said the agency is developing a framework for stablecoin issuance under the GENIUS Act. The regulator is working on standards for capital, reserves, and risk management. As of Friday, the stablecoin market capitalization was about $305 billion. In 2024, BlackRock launched a tokenized money market fund called BUIDL.JUST IN: 🇺🇸 FDIC drafts guidance for tokenized deposit insurance to help banks expand into digital assets. pic.twitter.com/HOLc3IvckI— Crypto India (@CryptooIndia) November 14, 2025UK Consultation Targets Systemic Stablecoin RiskMeanwhile, across the Atlantic, the Bank of England has opened a consultation on regulating sterling-denominated stablecoins. The framework targets tokens widely used for payments that could pose risks to financial stability. Proposed rules would require issuers to back part of their liabilities with BoE deposits and the remainder with short-term UK government debt. Limits on holdings would apply: £20,000 per coin for individuals and up to £10 million for businesses, with some exemptions. HM Treasury will designate systemically important providers, subject to BoE supervision. This article was written by Tareq Sikder at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: 33% of UK Crypto Holders Invest for Retirement, 18% for House Deposits, IG SurveyUK crypto investors are more focused on long-term wealth than short-term gains, according to research from trading platform IG.Digital assets meet tradfi in London at the fmls25The survey of over 500 crypto holders in the UK found that 51 percent invest to build wealth over time, while 27 percent are motivated by short-term returns. Around a third said they invest for retirement and 18 percent said they are saving for a house.Young Crypto Investors Focus on RetirementAmong younger investors aged 18 to 24, 39 percent cited retirement as a reason for investing and 28 percent mentioned saving for a house. Only 22 percent said short-term gains are their main motivation.The research also shows a cautious approach to risk. Respondents were more likely to describe themselves as cautious, seeking to avoid losses, than willing to accept large risks for high returns, 35 percent compared with 7 percent.Crypto Matures, Institutional Participation RisesInvestment strategies reflect this. Nearly half said crypto forms a small part of a diversified portfolio. One-third said it is a significant part and six percent invest only in crypto. On average, crypto accounts for 23 percent of a portfolio.Chris Beauchamp, Chief Market Analyst at IG, said crypto has matured and institutional participation has increased.“Crypto has become part of the financial landscape and a crucial part of portfolios across the globe. No longer the speculative upstart of the financial markets, its place now seems assured,” Beauchamp added.Traditional Finance Expands into Digital AssetsThese patterns among UK investors coincide with wider developments in the crypto market. The SEC’s approval of Ethereum and Bitcoin ETFs has accelerated institutional participation, while traditional finance firms such as BNY Mellon, State Street, and Franklin Templeton expand their digital asset offerings. PayPal and Mastercard are exploring on-chain payments. Venture capital funding is increasingly focused on exchanges, trading, custody, liquidity, and digital asset management, while speculative projects receive less attention. Startups including Securitize and ClearToken are developing regulated platforms. The market is gradually adopting execution, clearing, and settlement practices similar to traditional finance, supporting risk management and integration into mainstream portfolios. This article was written by Tareq Sikder at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: Coinbase Heads to Texas, Leaving Delaware’s Legal Risks BehindCoinbase, the largest publicly traded cryptocurrency exchange in the U.S., is moving its legal base from Delaware to Texas. The company said the shift is driven by Texas’ more business-friendly environment, lower operating costs, and growing regulatory clarity for innovative companies.Digital assets meet tradfi in London at the fmls25The exchange announced on Wednesday that it has filed with the Securities and Exchange Commission to formally leave Delaware. It will reincorporate in Texas, describing the state as an increasingly attractive hub for innovative businesses. “Left With Little Choice”Commenting about the decision, Paul Grewal, the Chief Legal Officer at the exchange, lamented: “It’s a shame that it has come to this, but Delaware has left us with little choice. “As a lawyer who’s practiced for many years on King Street in Wilmington, Del., I’m saddened by the need to depart.”“For decades, Delaware was known for predictable court outcomes, respect for the judgment of corporate boards and speedy resolutions. These traits made the state the one-stop shop for major company incorporations—which have brought in more than a billion dollars in annual revenue to the state.”Today @Coinbase is announcing our decision to leave Delaware and reincorporate in Texas. This decision was not made lightly, but we’ll always do what’s best for our customers, our employees, and our shareholders. 1/6— paulgrewal.eth (@iampaulgrewal) November 12, 2025But recent expansions of legal standards in Delaware, particularly concerning controller liability, have heightened risks for shareholder lawsuits. Texas is becoming a magnet for large companies seeking lower taxes, lighter regulations, and specialized business courts. Over the past year, firms with valuations exceeding $1 billion have moved their legal bases from Delaware—a trend quickly dubbed “Dexit.” High-profile moves include Tesla’s headquarters relocation and Trump Media & Technology’s shift to Florida.More Firms Eye TexasThe state is also actively courting cryptocurrency firms, promoting regulatory clarity and lower operating costs. This strategy positions Texas as a potential hub for blockchain and fintech innovation, contrasting with the uncertainty some companies face in other jurisdictions.Read more: Google Takes Cybercrime Group to Court Over “Smishing” Involving 115M Credit Cards: ReportWith a market capitalization approaching $82 billion, Coinbase’s reincorporation marks one of the largest corporate migrations to Texas. The move signals that even highly regulated, publicly traded companies are reevaluating Delaware’s advantages versus the operational and legal benefits offered by other states.For Coinbase, Texas offers a combination of cost efficiency and regulatory clarity that may support its continued growth in the volatile crypto sector. This article was written by Jared Kirui at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: JPMorgan Launches Deposit Token JPM Coin for Institutional ClientsJPMorgan Chase has started to roll out JPM Coin, a deposit token that represents a claim on existing customer deposits, to its institutional clients. The token will be circulated under the ticker JPMD.Digital assets meet tradfi in London at the FMLS25.JPMorgan Aims to Make Banking More EfficientAccording to a Bloomberg report, the deposit token will enable the Wall Street giant’s clients to settle transactions in seconds, around the clock, which would otherwise take hours and be restricted to business hours.The settlements will be done on the public blockchain Base, which is affiliated with Coinbase. Ahead of the recent launch, the bank conducted a trial with JPM Coin over the past few months, which involved firms such as Mastercard, Coinbase and B2C2. It announced its plans to pilot the token last June.Deposit coins are not stablecoins; instead, they are specifically designed for use in commercial banking. These tokens represent digital claims on funds already in clients’ bank accounts. They can also be interest-bearing, unlike stablecoins.“We think that stablecoins get a lot of buzz, but for institutional clients, deposit-based products offer a compelling alternative,” Naveen Mallela, Global Co-Head of JPMorgan’s blockchain division, Kinexys, told Bloomberg. “These can be yield-bearing.”Coinbase will also accept the deposit token as collateral.Banks See Potential in BlockchainJPMorgan floated the idea of the deposit token in 2023 to streamline its cross-border payments and settlements. Now, the bank also plans to expand its deposit token initiative further, as it has trademarked the ticker JPME for a potential future launch of a euro-denominated deposit token.Meanwhile, other banking giants are also exploring the possibility of launching similar deposit tokens. The Bank of New York Mellon and HSBC are among those who have either already launched or plan to launch deposit token services.Although JPMorgan’s CEO once compared Bitcoin to a Ponzi scheme, the bank has remained at the forefront of adopting blockchain technology. It also operates a network called Kinexys Digital Payments, previously known as JPM Coin, which enables corporate clients to transfer fiat currency.According to the bank, Kinexys processes an average of over $3 billion in transactions daily. However, the figure is small compared with about $10 trillion of daily volume processed by its payments division. This article was written by Arnab Shome at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: ClearToken Gets FCA Nod to Launch Regulated Crypto Settlement PlatformClearToken has received approval from the UK Financial Conduct Authority (FCA) to launch a regulated settlement system for digital assets, marking a significant step in Britain’s effort to integrate crypto into traditional financial frameworks.Digital assets meet tradfi in London at the fmls25The authorization allows the London-based digital financial market infrastructure group to roll out CT Settle, a Delivery versus Payment (DvP) platform designed to bring institutional-grade infrastructure to crypto, stablecoin, and fiat transactions. ClearToken Depository Limited, the company’s settlement arm, is now authorized as a Payment Institution under the UK’s Payment Services Regulations and registered as a crypto asset firm under anti-money laundering laws. A Regulated Path for Digital SettlementAccording to the company, these dual permissions enable it to operate a fully regulated DvP settlement system, where transactions are exchanged only when both payment and asset delivery occur—mirroring safeguards long used in traditional markets.The soon-to-be-launched CT Settle platform aims to eliminate Herstatt risk and reduce the capital inefficiencies that have long plagued pre-funded crypto trading.Its horizontal model is agnostic to trading venues and custodians, allowing firms to settle across multiple exchanges while unlocking liquidity and minimizing counterparty risk.By enabling true delivery-versus-payment settlement, CT Settle allows institutions to move capital more efficiently and securely across crypto, stablecoins, and fiat. The system also supports cross-market netting, consolidating exchange and over-the-counter (OTC) positions to simplify workflows and reduce operational burdens.You may also like: UK Court Hands Nearly 12-Year Sentence in Massive £5B Bitcoin Case: ReportThe company said its approach has been tested with major market participants, ensuring that liquidity providers, asset managers, and custodians can integrate seamlessly with the new infrastructure.Laying the Foundation for Broader Market Integration The FCA’s decision reflects a broader push by UK regulators to align digital asset markets with established financial standards. The Bank of England recently began consultations on stablecoin rules expected to take effect next year, while HM Treasury continues to refine the national framework for digital assets, including custody and issuance.The FCA license marks the first phase of ClearToken’s roadmap. Next, the company plans to establish a Central Counterparty and apply to become a Recognized Clearing House under Bank of England oversight. That stage will enable margining, risk mitigation, and broader cross-asset clearing capabilities. This article was written by Jared Kirui at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: Coinbase Takes on Revolut in UK With 3.75% Interest Savings AccountCoinbase launched regulated savings account in the United Kingdom, giving UK users a chance to earn 3.75% annual equivalent rate (AER) interest on their pound deposits, reportedly paid daily.According to the exchange, the Coinbase Savings Account, powered by ClearBank, offers instant deposits and withdrawals, no lockups, and no minimum balance requirements.Digital assets meet tradfi in London at the fmls25Eligible users can reportedly access the account, which provides FSCS protection for balances up to £85,000 across all ClearBank accounts. The company now offers what it described as fully regulated savings account in the UK.Merging Crypto With Everyday FinanceCoinbase CEO Brian Armstrong said the launch marks another milestone in connecting traditional finance with the digital economy. The company views the savings product as a bridge between fiat and crypto, allowing users to manage everyday savings and digital assets within the same platform.Coinbase secured its registration as a Virtual Asset Service Provider (VASP) with the Financial Conduct Authority in February 2025, solidifying its regulatory standing in the UK. The firm is positioning the savings account as part of a broader strategy to develop a full suite of financial services for both retail and institutional clients.The launch also places Coinbase in direct competition with fintech players such as Revolut, which already offers savings, spending, and crypto conversion features through its superapp.Related: Revolut Launches Dollar-to-Stablecoin Swaps Under New EU Crypto LicenseRevolut stepped into the UK savings market, initially offering a 1.35% annual equivalent rate. But currently the company offers up to Up to 4.5% AER interest reportedly paid daily. No withdrawal fees. No minimums. Instant access anytime.Direct Competition with RevolutThe account was launched in partnership with cash deposit platform Flagstone and Paragon Bank, is reportedly protected under the Financial Services Compensation Scheme also for balances up to £85,000. Another well-known publicly listed fintech firm WISE introduced in 2022 a similar offering to enable UK customers to earn interest on their account balances in line with local central bank rates. The feature reportedly allows money held in a Wise Account to generate returns through government-backed assets linked to the Bank of England, the US Federal Reserve, and the European Central Bank rates.The “Interest” product applies to GBP, USD, and EUR balances, letting customers retain earnings directly from their funds. With this offering, Wise aims to provide an alternative to traditional banks, where deposits often earn little or no interest while being lent out to others. This article was written by Jared Kirui at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more

خلاصہ: IOSCO Highlights Spill-Over Risks as Tokenized Assets Reach Mainstream FinanceCrypto tokens tied to traditional financial assets could present new risks for investors, the global securities regulator IOSCO said today (Tuesday). The regulator highlighted concerns as the finance industry remains divided over the merits of "tokenization."Digital assets meet tradfi in London at the fmls25While regulators warn of risks, interest in tokenization has grown this year, with products offered through online brokers. Traditional banks have also adopted blockchain-based tokenization, processing financial assets in hours, while similar processes on crypto platforms may take months. This highlights uneven adoption and efficiency across market participants.IOSCO Flags New Risks in TokenizationIOSCO, which represents regulators covering almost all of the world’s securities markets, said most risks related to tokenization are already addressed by existing frameworks. However, the organization noted that the underlying technology may introduce new risks and vulnerabilities.Tuang Lee Lim, chair of IOSCO's board-level fintech taskforce, said that while adoption is still "limited," tokenization could "reshape" the way financial assets are issued, traded, and serviced.PYMNTS: Securities Regulator IOSCO Warns Tokenization ‘Introduces New Risks’: A global securities regulator is warning of potential risks associated with tokenization. In a report issued Tuesday (Nov. 11), the International… https://t.co/uwZQAQckuh #payments #fintech pic.twitter.com/U2et5iLxZb— Rick Telberg (@CPA_Trendlines) November 11, 2025Tokenization Faces Spill-Over Market ConcernsThe regulator said different structures of tokenized assets could make investors unsure whether they own the underlying asset or only the crypto token. Third-party token issuers also create counterparty risks. IOSCO added that these concerns echo warnings from the European Union's securities regulator in September."Tokenization could also suffer from potential spill-over effects from increased inter-linkages with the crypto asset markets," IOSCO said.Wall Street Cautious Despite Tokenization ExperimentsSome mainstream financial firms, including Nasdaq, have been exploring tokenization. Other Wall Street players have expressed caution. While institutions have experimented with blockchain-based asset versions for years, IOSCO said actual adoption remains "limited."Supporters of tokenized assets argue that blockchain can reduce trading costs, speed up settlement, allow 24/7 trading, and attract younger investors. IOSCO, however, said that "efficiency gains are uneven" because market participants still rely on traditional infrastructure for trading. This article was written by Tareq Sikder at www.financemagnates.com.Source InformationPublisher: Finance MagnatesOriginal Source: Read more