Bitcoin (BTC) has slipped below $94,000 as it continues to decline, thanks to growing economic uncertainty, trade tensions with China, and renewed tariff tensions. The flagship cryptocurrency is down nearly 1% and trading around $93,920. BTC lost momentum over the weekend despite reaching an intraday high of $98,000 on Friday, thanks to selling pressure and profit-taking. BTC continues to trade between $90,000 and $97,000 as its April rally cools. Anthony Pompliano Identifies Best Time To Buy Bitcoin Anthony Pompliano has identified a buying opportunity for less-experienced Bitcoin investors as markets continue to experience substantial volatility. Pompliano considers the current market as a classic buying opportunity, especially for smaller investors, urging them to move in contrary directions from professional investors. The crypto and Bitcoin bull shared the unconventional advice in a post on X, suggesting that now is the best time to buy as bears take over the market. According to Pompliano, the bull exits will be followed by substantial rebounds, allowing investors to make substantial profits. However, the advice divided investors, drawing mixed reactions. One user disagreed with Pompliano, stating this was bad advice without understanding the reasons behind the bulls’ exit from the market before calling it a buying opportunity. Dormant Bitcoin Whales Reawaken After A Decade Two dormant Bitcoin wallets from the Satoshi era have become active after over a decade, moving a combined $325 million worth of Bitcoin ahead of a major Federal Reserve decision on interest rates. According to data from blockchain analytics platform Spot On Chain, the first wallet transferred 2,343 BTC worth $222.2 million to a new wallet after over ten years of inactivity. Historical data shows the user acquired 2,187 BTC in July 2013 for just $185,850. The second whale became active after over 11 years, moving 1,079 BTC worth $102 million, accumulating them in mid-2013 at an estimated cost of $91,713 per coin. The reasons behind the substantial movements remain unclear but could be due to a change in ownership, recovered private keys, or long-term holders preparing to liquidate their holdings. Significantly, the movements come just before the Federal Reserve decides on interest rates. The Fed is widely expected to maintain interest rates at current levels as policymakers adopt a wait-and-watch approach amid economic uncertainties, trade tensions, and tariffs. Bitcoin At A Crucial “Decision Point” BTC’s price action lost momentum after getting caught up in a risk-averse sentiment as markets fretted about renewed fears of a US-China trade war, slowing economic growth, and more tariffs. While BTC and the broader crypto markets are not directly impacted by disruptions in global trade, their speculative nature makes them vulnerable to shifts in market sentiment, leading to volatility. Analysts believe BTC is at a vital decision point, with one analyst discussing how the flagship cryptocurrency is looking based on its UTXO Realized Price Distribution (URPD). The URPD tells us what part of the BTC supply was last purchased at the different price levels it has reached. The analyst stated that BTC sits right in the middle of a decision point as any large move up or down from that point would impact the profit and loss status of Bitcoin addresses. Strategy Announces Latest Bitcoin Purchase Michael Saylor’s Strategy completed its latest acquisition of Bitcoin , purchasing 1,895 BTC worth $180 million last week. The purchase concludes a $21 billion at-the-money equity offering program announced in October. The firm now owns a staggering 555,500 BTC worth $52.4 billion at current prices. The latest purchase is the smallest acquisition of the asset by the firm since January. The firm funded the acquisition by selling $52 million worth of perpetual “STRK” preferred stock and $128.5 million worth of common shares. According to the company, it can still issue $20.87 billion worth of preferred stock. However, it disclosed it could no longer sell common stock through its equity offering program, stating it had been substantially depleted over the past six months. The company doubled down on its Bitcoin ambitions, stating it intended to purchase as much Bitcoin as possible while unveiling a similar equity offering program. The program will allow the company to sell another $21 billion in common shares. The company also plans to issue $21 billion in corporate debt and raise $84 billion in under three years. Bernstein reiterated an “Outperform” rating for the company, setting a price target of $600 per share. Bernstein analysts also highlighted Strategy’s ability to accelerate its Bitcoin acquisition plans. “MSTR continues to hyper-scale its Bitcoin acquisition strategy. We continue to like MSTR as the most scalable Bitcoin vehicle tapping into large institutional pools unable to access Bitcoin/spot ETFs.” Bitcoin (BTC) Price Analysis Bitcoin (BTC) is trading below $94,000 as it continues its decline during the ongoing session after selling pressure registered an uptick. The flagship cryptocurrency lost momentum after surging to an intraday high of $98,000 Friday. However, by Sunday, it had slipped below $95,000 and settled at $94,390. The current session has seen sellers tighten their grip as BTC drops lower. According to analysts, the price was falling back into a trading range extending from $90,000 to $97,000 as BTC’s rally cooled. BTC’s recent decline has been attributed to profit-taking and a growing risk-averse sentiment as markets grapple with slowed economic growth, an escalation of the US-China trade war, and tariffs. Markets were optimistic about a US-China trade deal, but recent comments from officials indicated serious trade discussions were yet to begin. Trump also announced plans to impose tariffs on pharmaceutical imports, further rattling an already jittery market. Trump also stated he intends to keep crypto away from China. “Crypto is a whole new thing that started not so long ago… but I’m very much in favor of crypto because otherwise, China is going to take it over and just like AI, just many to many other industries… crypto is very important.” BTC has been trading in a narrow range since Friday (April 25), when it registered an increase of almost 1% and settled at $94,776. However, it lost momentum over the weekend, registering a marginal drop on Saturday and 0.99% on Sunday to settle at $93,803. Despite the negative sentiment, BTC registered an increase of 1.28% to claim $95,000 and settle at $95,002. Price action turned bearish on Tuesday as buyers lost momentum. As a result, BTC fell 0.70% to $94,342. The price faced volatility on Wednesday as buyers and sellers struggled to establish control. Sellers ultimately gained the upper hand as BTC registered a marginal decline and settled at $94,155. Source: TradingView Bullish sentiment returned on Thursday as markets rallied. As a result, BTC rose over 2%, surging past $96,000 and settling at $96,458. Buyers retained control on Friday as the price rose to an intraday high of $98,000 before settling at $96,939, ultimately registering a marginal increase. Price action turned bearish over the weekend thanks to selling pressure and profit-taking. BTC fell 0.98% on Saturday and 1.66% on Sunday, slipping below $95,000 and settling at $94,390. BTC started the current week positively, rising 0.41% to $94,773. The current session sees BTC down over 1% and trading at $93,810, having slipped below $94,000. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.
Despite recent fluctuations, Bitcoin’s market indicators suggest a resilient bullish phase as profit-taking slows down among short-term holders. The cryptocurrency’s rebound from $80k to a peak near $98k has sparked
21shares has launched a regulated exchange-traded product (ETP) tied to the Cronos blockchain, enabling investors to gain exposure to the CRO token without directly managing crypto wallets or exchanges. 21shares Rolls Out Regulated Cronos ETP 21shares AG, a leading crypto ETP issuer, unveiled the 21shares Cronos ETP (ticker: CRON) on Euronext Paris and Amsterdam, providing
Dogecoin has witnessed a 3% decrease in the last 24 hours. Analysts predict potential significant rallies if specific resistance levels are achieved. Continue Reading: Dive into Dogecoin’s Potential to Ignite an Altcoin Surge The post Dive into Dogecoin’s Potential to Ignite an Altcoin Surge appeared first on COINTURK NEWS .
MultiBank Group, the world’s largest financial derivatives institution, has signed a historic $3 billion tokenization
Paolo Ardoino, the chief executive of USDT issuer Tether, thinks many European banks will “blow up” in the coming years. In a new interview with Pascal Hügli, Ardoino blasts European Union stablecoin regulations, arguing that they increase systemic risk to the economy rather than doing the opposite. “So remember, their regulation was pushing us to keep 60% of our reserves in uninsured cash deposits in Europe. So let’s make this simple math calculation, right? Imagine that you have €10 billion in market cap of your stablecoin in Europe. 60% needs to be kept in uninsured cash deposits in a bank. Uninsured cash deposit means that bank insurance in Europe is only €100,000… Now, of those €6 billion, you know that European banks – well, all the banks – are doing fractional reserves, so they can lend out 90% of it to people that want to buy a house, that want to start a business, or to public works or whatever. So €5.4 billion will be lent out by the bank and €600 million will be kept… So imagine that you have a redemption of 20%, so you need to pay out €2 billion. You go to the bank and you tell the bank, ‘Well, I want €2 billion.’ And the bank says, ‘Well, I only have €600 million.’ As a stablecoin issuer, you go bankrupt. Not because of you, but because of the bank. So the bank goes bankrupt and you go bankrupt.” Ardoino says the regulations are designed to bring liquidity to the banks. He claims that the big financial institutions in Europe won’t bank stablecoins, so stablecoin issuers following EU regulations will be forced to rely on smaller banks with more risk. According to Ardoino, the setup will lead to a banking crisis in Europe. “Mark my words, as happened with Silicon Valley Bank, that, by the way, almost killed them in 2023, they will face the same issues. Banks will blow up in the next years also in Europe… Many banks will blow up in Europe in the next few years.” Follow us on X , Facebook and Telegram Don't Miss a Beat – Subscribe to get email alerts delivered directly to your inbox Check Price Action Surf The Daily Hodl Mix Disclaimer: Opinions expressed at The Daily Hodl are not investment advice. Investors should do their due diligence before making any high-risk investments in Bitcoin, cryptocurrency or digital assets. Please be advised that your transfers and trades are at your own risk, and any losses you may incur are your responsibility. The Daily Hodl does not recommend the buying or selling of any cryptocurrencies or digital assets, nor is The Daily Hodl an investment advisor. Please note that The Daily Hodl participates in affiliate marketing. Generated Image: Midjourney The post Tether CEO Paolo Ardoino Warns ‘Many’ European Banks Will Blow Up in Next Few Years – Here’s Why appeared first on The Daily Hodl .
Pi Coin (PI) has gone down by another 2% today and currently sits at $0.5795 as the token’s circulating supply continues to rise. PI’s performance has been a bit disappointing for early adopters as the token has retreated by 80.6% after it touched its all-time high of $2.98 in late February. Since then, selling pressure has been quite strong as PI’s circulating supply has been expanding non-stop. Despite its latest weakness, a technical indicator seems to be favoring a bullish Pi coin price prediction as the token has apparently entered a phase of consolidation. According to the Wyckoff Theory , a 90-year-old technical analysis tool, PI could have entered a stage of accumulation where deep-pocketed investors silently accumulate tokens in anticipation of an upcoming rally. PI Retests Lower Bound of its Consolidation Setup The price action shows all of the signs of an accumulation phase – e.g. low volumes, range-bound prices, and low volatility. Accumulation phases are typically followed by a significant markup in the price as retail traders experience fear of missing out (FOMO) as they see the price breaking through key resistances. One of the catalysts that could push PI off this consolidation stage is an upcoming exchange listing. As the chart shows, the top of the consolidation rectangle is quite near the 200-day hourly EMA. This is the key resistance to watch as a bullish breakout could signal the beginning of the markup phase. Today, the price is retesting the rectangle’s lower bound at $0.5755. If the price breaks below this support it could invalidate the bullish scenario we shared earlier. Meanwhile, if a bearish breakout occurs, the next area of support that the market will likely retest would be found at $0.5600. A bullish breakout above $0.6100 could push PI to $0.6500 first, meaning a 7% short-term gain or even higher if positive momentum picks up its pace and FOMO kicks in. PI may not be offering certainty of a bullish outcome at the moment but the best crypto presales of the year seem to be poised to outperform these more mature projects in 2025. A great example is SUBBD (SUBBD), a decentralized content distribution platform that has already secured the support of thousands of influencers who have been looking for a fairer arrangement to keep a larger portion of their earnings. SUBBD (SUBBD) Offers Content Creators the Best Environment to Succeed SUBBD (SUBBD) is a decentralized platform that allows influencers to share their content without the fear of restrictions and bans while it lets them keep the majority of the earnings they generate. Investors have been captivated by this project’s value proposition as reflected by the early success of its presale. Just a month after its launch, SUBBD has raised more than $300,000 to become the home of top influencers. Thus far, more than 2,000 creators have come on board and have brought with them a combined following of more than 250 million fans who will buy SUBBD to pay for subscriptions and custom requests and enjoy different types of rewards like discounts and early access to new features. As the SUBBD ecosystem keeps growing, the demand for its utility token will rise. Hence, at its discounted presale price of $0.05535, this token offers significant upside potential to early buyers. To buy $SUBBD, simply head to the official SUBBD website and connect your wallet (e.g. Best Wallet ). You can either swap USDT or ETH or use a bank card to make your investment. The post Pi Network Price Prediction: 90-Year-Old ‘Wyckoff Accumulation Pattern’ Could Signal Huge Breakout Soon appeared first on Cryptonews .
The idea that profit-taking might be over, came from the total supply held by short-term holders.
In the world of finance, few things capture as much attention as the fate of the US Dollar. For cryptocurrency enthusiasts and traditional investors alike, understanding macro shifts is vital. Recently, J.P. Morgan, a major player in global finance, shared a significant perspective: they anticipate a Weaker USD forecast . This view is heavily influenced by observed movements within Asian foreign exchange markets. This analysis suggests a potential shift in global currency dynamics that could impact everything from trade balances to investment flows, and yes, even indirectly influence the broader financial landscape where digital assets reside. What’s Driving the Weaker USD Forecast? J.P. Morgan’s prediction isn’t pulled from thin air. It’s based on a careful assessment of several factors, with a primary focus on developments in Asia. The core argument revolves around a few key points: Relative Growth Outlook: JPM points to potentially stronger economic recovery trajectories in parts of Asia compared to the US. As these economies show resilience or accelerating growth, their currencies become more attractive. Interest Rate Differentials: While the US Federal Reserve’s policy is crucial, the pace and timing of monetary policy shifts in Asian central banks also play a role. Divergences can impact currency valuations. Capital Flows: Improved sentiment and growth prospects in Asia can attract foreign investment, increasing demand for local currencies and putting downward pressure on the USD as capital moves out of dollar-denominated assets. Valuation: JPM’s analysis likely includes assessments of whether the USD is currently overvalued relative to certain Asian currencies based on fundamental economic indicators. These elements combine to form the basis for their Weaker USD forecast , suggesting that the traditional strength of the dollar might face headwinds from the East. Understanding Asian Currency Trends To grasp the Weaker USD forecast , it’s essential to look at the specific Asian currency trends J.P. Morgan is likely observing. Asia is a diverse region, and currency performance varies, but a general theme of potential appreciation against the dollar in certain key economies seems to be emerging. Which currencies are we talking about? Chinese Yuan (CNY): As China’s economy navigates its path, policy signals and growth data significantly impact the Yuan’s performance. A stable or strengthening Yuan can influence regional currencies. Japanese Yen (JPY): The Yen’s movement is often tied to global risk sentiment and the Bank of Japan’s monetary policy. Shifts here can have broad implications. South Korean Won (KRW): Driven by technology exports and global trade conditions, the Won is sensitive to changes in worldwide demand and supply chains. Southeast Asian Currencies (e.g., SGD, TWD, IDR): Economies like Singapore, Taiwan, and Indonesia have currencies influenced by trade balances, commodity prices, and regional investment flows. The collective performance and policy directions of these currencies contribute significantly to the overall picture of Asian currency trends challenging the dollar’s dominance. Implications for Forex Market Analysis A JPM call for a Weaker USD forecast is a major signal for anyone involved in Forex market analysis . The US Dollar is the world’s primary reserve currency and involved in the vast majority of currency trades. Its weakness has ripple effects across the entire market. Consider the following implications: Major Currency Pairs: Pairs like EUR/USD, GBP/USD, and AUD/USD could see upward movement as the denominator (USD) weakens. USD/Asian Pairs: This is where the direct impact is felt most. Pairs like USD/JPY, USD/CNH (offshore Yuan), USD/KRW could see significant downward pressure. Commodity Prices: Many commodities (like oil and gold) are priced in USD. A weaker dollar makes them cheaper for holders of other currencies, potentially increasing demand and prices. Volatility: Shifts in major currency outlooks can increase volatility across the board as traders adjust positions. Expert Forex market analysis will now heavily weigh JPM’s perspective, alongside other factors, to navigate potential trading opportunities and risks arising from these expected shifts. What Does the US Dollar Outlook Mean for Investors? The projected US Dollar outlook , particularly one forecasting weakness, has significant implications for various types of investors. It’s not just about currency traders; it affects equity investors, bondholders, and even those in the crypto space. For investors, a weaker dollar can mean: International Investments Become More Attractive: Returns from assets denominated in strengthening foreign currencies (especially Asian ones) could see an extra boost when converted back to a weaker USD. US Export Companies May Benefit: A weaker dollar makes US goods and services cheaper for foreign buyers, potentially increasing export revenues for American companies. Import Costs May Rise: Conversely, imports become more expensive, which could contribute to inflationary pressures within the US. Impact on Commodities: As mentioned, commodity investments might react positively to a weaker dollar environment. Indirect Crypto Impact: While not a direct correlation, macro currency shifts can influence global liquidity and risk appetite, factors that often spill over into the cryptocurrency market. A weaker dollar environment is sometimes seen as broadly supportive of alternative assets, though this link is complex. Monitoring the evolving US Dollar outlook is crucial for making informed decisions across a diversified portfolio. JPM Currency Strategy Explained Understanding J.P. Morgan’s specific reasoning, or their JPM currency strategy view, involves looking at their stated rationale and the data they emphasize. While the public commentary often provides the headline (like a weaker USD forecast), the underlying strategy involves assessing global economic divergences, central bank intentions, and market positioning. Key aspects of their likely strategy include: Relative Economic Performance: Betting on regions expected to outperform the US in growth terms. Monetary Policy Divergence: Anticipating shifts in interest rate expectations between the Fed and Asian central banks. Flow Analysis: Tracking where international capital is moving. Valuation Models: Using internal models to identify currencies that appear undervalued against the USD. Their view isn’t just a prediction; it informs their own trading and investment recommendations. Following the logic behind the JPM currency strategy provides valuable insight into how major institutions are positioning themselves in the global FX market. Challenges and Counterarguments to the Weaker USD Forecast While JPM’s call is significant, it’s important to consider factors that could challenge or alter this Weaker USD forecast . Financial markets are dynamic, and multiple forces are always at play. Potential headwinds to USD weakness include: Unexpected US Economic Strength: If the US economy performs better than JPM anticipates, it could support the dollar. Fed Policy Shifts: A more hawkish stance from the Federal Reserve than currently expected would likely boost the USD. Global Risk Aversion: In times of global uncertainty or crisis, the USD often acts as a safe haven, attracting capital regardless of fundamental outlooks. Geopolitical events, financial instability elsewhere, or new global health concerns could trigger a flight to safety. Asian Economic Slowdown: If growth in key Asian economies falters unexpectedly, it would undermine the premise of strengthening Asian currencies. Therefore, while JPM’s view is a crucial piece of the puzzle for Forex market analysis , it must be considered alongside these potential counterarguments and risks. Conclusion: Navigating the Shifting Sands of the Forex Market J.P. Morgan’s anticipation of a Weaker USD forecast , driven by evolving Asian currency trends , presents a compelling narrative for the coming period. This perspective, rooted in detailed Forex market analysis and the firm’s specific JPM currency strategy , suggests that the environment for the US Dollar outlook is shifting. While challenges and alternative scenarios exist, understanding this major institutional view is vital for investors and market participants. It highlights the interconnectedness of the global economy and the constant flux of currency valuations. Staying informed about these macro developments is key to navigating both traditional and digital asset markets effectively. To learn more about the latest Forex market trends, explore our article on key developments shaping the US Dollar outlook and global currency strategy. To learn more about the latest Forex market trends, explore our article on key developments shaping the US Dollar outlook and global currency strategy.
Why finance veterans are still skeptical about blockchain Blockchain has been part of the finance conversation for over a decade now. Yet many professionals remain cautious. Many seasoned professionals in finance, wealth management and economics often question blockchain’s relevance, asking, How exactly is blockchain supposed to fit into what we already do? This question reflects a few key ongoing skepticisms about blockchain within finance . Uncertainty about practical applications Blockchain offers some big promises: faster settlements, stronger security and better transparency. But actually applying those promises across banking, accounting and operations is still complicated. A 2021 APQC survey identified the main hurdles: a lack of industry-wide adoption, skill gaps, trust issues, financial constraints and problems with interoperability. Even organizations that want to embrace blockchain often struggle to turn ideas into working solutions. Doubts about necessity Some finance professionals aren’t convinced blockchain is necessary at all. The same APQC survey showed trust issues and a lack of understanding as major reasons for the slow adoption. Without a clear and compelling return on investment (ROI) , it’s tough to justify tearing up existing systems that, frankly, still work. Lack of understanding Maybe the biggest obstacle? A lack of understanding. A 2024 study revealed that only 13.7% of financial advisers engage with clients about cryptocurrencies despite increasing client interest and the approval of crypto exchange-traded funds (ETFs) between 2021 and 2024. Moreover, while groups like the American Institute of Certified Public Accountants (AICPA) are trying to build frameworks for blockchain compliance and auditing, there’s no standard playbook yet. And without clarity, leadership teams are stuck. This article will aim to address each of these skepticisms, ultimately providing an answer to how blockchain fits into finance in 2025. Did you know? Christina Lynn, a behavioral finance researcher and certified financial planner, highlighted in her 2024 Journal of Financial Planning article that many financial advisers dismiss cryptocurrency due to biases, fear and regulatory concerns despite growing investor interest. She urges advisers to educate themselves, adopt a balanced approach, and provide guidance to avoid client mistakes. The 2025 blockchain landscape: Key developments Unbeknownst to many, thanks to regulatory shifts, stablecoins gaining ground and major institutions building on-chain infrastructure, blockchain is moving from experimental to essential within finance. Below are the developments serving as key contributors in 2025. Regulatory shifts The US Federal Reserve has relaxed its 2022 stance , no longer requiring banks to get explicit approval to offer crypto services . Similar signals from the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency show that regulators are starting to treat blockchain as a legitimate tool. At the same time, SEC Chair Paul Atkins is pushing for clearer, innovation-friendly crypto rules, moving away from vague enforcement tactics and toward a more structured regulatory framework. Stablecoin stampede The stablecoin market capitalization has climbed to nearly $240 billion as of late April 2025, brushing up against an all-time high. Regulators are also stepping up. In Europe, the Markets in Crypto-Assets (MiCA) framework is now fully live, laying down clear ground rules for crypto assets. For stablecoins, that means strict 1:1 reserve requirements and a crackdown on anything resembling an algorithmic model without real backing. Meanwhile, in the US, lawmakers are making moves, too. The STABLE Act , reintroduced in March, proposes tighter oversight over stablecoin issuers and even suggests a two-year freeze on new algorithmic coins. Alongside it, the GENIUS Act aims to set up a whole new licensing system for stablecoins, making issuers meet banking-level standards for reserves, redemption rights and compliance. The private sector isn’t sitting still either. Coinbase recently waived fees on PayPal’s PYUSD ( PYUSD ) transactions and now offers seamless USD redemptions. It’s a smart play to make stablecoins more visible in day-to-day finance. And the uptake isn’t just happening in the US. In Asia, stablecoins are becoming a go-to for cross-border remittances because they’re faster and cheaper than traditional methods. In Latin America, they’re being used to hedge against local currency collapses ; in Brazil, for example, stablecoins now make up over 80% of crypto transactions . In different corners of the world, stablecoins are solving very real problems. Blockchain goes big Projects like JPMorgan’s Kinexys and Citigroup’s permissioned blockchain platform show that major banks are actively investing in tokenization, digital asset settlement and blockchain infrastructure for global finance. Did you know? The global blockchain market is projected to reach $162.84 billion by 2027, up from $26.91 billion in 2024. Blockchain in banking operations As of 2025, blockchain is helping streamline settlements, tighten compliance, and transform cross-border payments from a headache into a smooth operation. Here’s how: Real-time settlement and clearing Moving money between banks — especially across borders — used to be a slow, messy process. Layers of intermediaries meant delays, high fees and plenty of room for errors. By cutting out intermediaries and verifying transactions directly, blockchain enables near-instant settlement, slashing turnaround times dramatically. In fact, JPMorgan’s Kinexys platform (part of its Onyx suite) now processes over $2 billion in daily transactions , using JPM Coin to settle payments across banks and currencies in real time. It’s an example of a live system handling serious volume with the help of a blockchain. Enhanced KYC and AML compliance Know Your Customer (KYC) and Anti-Money Laundering (AML) checks have always been necessary — but painfully slow and repetitive. Blockchain offers a smarter way to handle them. A tamper-proof ledger allows banks to securely store and share verified customer information, speeding up audits and reducing compliance headaches. Another real-world example from JPMorgan is Liink, which runs a blockchain-inspired service called Confirm, which helps banks validate over 2 billion bank accounts across more than 3,500 financial institutions, dramatically improving efficiency for KYC processes. Cheaper, faster cross-border payments Sending money internationally used to take days and came with hefty fees. With blockchain, transactions can settle in minutes, and fees are significantly lower. Real-world moves: HSBC and Ant Group: In 2023, they ran real-time HKD-denominated tokenized transactions under the Hong Kong Monetary Authority’s Ensemble Sandbox, giving businesses 24/7 cross-bank transfers. Wells Fargo: Implemented HSBC’s blockchain-based system for foreign exchange settlements , reducing risk and speeding up cross-border FX deals. Even Deloitte estimates that blockchain could slash cross-border payment costs by 40%-80%, saving the industry up to $24 billion a year . This all shows that banks are betting real money and real infrastructure on blockchain delivering real value. Did you know? Visa’s Tokenized Asset Platform (VTAP) allows banks to mint, burn and transfer fiat-backed tokens, such as tokenized deposits and stablecoins. Considerations for banks Of course, blockchain isn’t a panacea. There are a few things banks need to keep in mind: Integration is critical: Blockchain systems have to plug into existing core banking infrastructure. Full rip-and-replace projects aren’t practical (or cheap). Training matters: New systems won’t work if the people running them don’t know how. Banks need to upskill teams across compliance, operations and IT. Customer experience comes first: It’s not just about making internal processes faster — clients need to feel the difference, too. Behind the scenes, accounting and auditing firms are also finding that blockchain can fix long-standing pain points. That’s what will be explored next. Blockchain in accounting and auditing Accounting and auditing might not be flashy headlines, but behind the scenes, blockchain is slowly changing how financial data is managed, verified and reported. Better data security and fraud prevention With blockchain, once a transaction is recorded, it can’t be altered without consensus from the network. This built-in immutability drastically reduces the risk of tampering or fraud and strengthens the integrity of financial records. More transparency = better audits Auditors no longer need to stitch together fragmented information from multiple systems. Blockchain provides a single, real-time, tamper-proof trail of transactions, making audits faster , more accurate and more reliable. Streamlined reconciliation and reporting Blockchain simplifies day-to-day reporting, too. Instead of manually reconciling across different ledgers, authorized parties all have access to a shared, automatically updating record. Adoption challenges Of course, it’s not all smooth sailing. Lack of standardization: There’s still no universal rulebook for blockchain accounting. Groups like the AICPA and the International Accounting Standards Board are issuing early guidance, but without global standards, firms must tread carefully. Integration woes: Most firms still use legacy enterprise resource planning and accounting platforms that weren’t designed for blockchain. Integrating — or deciding when to overhaul — poses serious technical and financial challenges. Regulatory uncertainty: Regulations around digital assets and blockchain-based transactions are evolving fast. Firms must keep their internal controls and reporting practices agile to stay compliant. Did you know? The concept of triple-entry accounting, enabled by blockchain, adds a third component to traditional double-entry systems. Blockchain for CFOs and treasurers In 2025, blockchain is a practical tool for chief financial officers and treasurers looking to sharpen financial reporting, improve operational efficiency, and strengthen risk controls. Strategic applications Real-time financial reporting and analysis: Blockchain’s tamper-proof, real-time data streams give CFOs instant access to financial performance. No more waiting for reconciliations — finance teams can forecast and pivot with live numbers at their fingertips. Smart contracts for compliance and transactions: Smart contracts automate routine processes like compliance checks and payment executions, reducing human error and ensuring agreements are enforced exactly as written. Tokenization for capital raising and asset management: Tokenizing assets such as real estate, equipment or equity opens new doors for raising capital and improving liquidity. Fractional ownership models also make it easier to access a broader investor base. Risk management considerations While blockchain enhances security overall, it’s not invulnerable. Strong access controls, regular audits and active network monitoring are essential to protect systems and assets. Organizations also need contingency plans in place, since blockchain networks can experience outages or latency issues; having off-chain fallback procedures ensures business continuity during disruptions. Finally, CFOs and treasurers must stay actively engaged, working closely with legal teams and regulators to stay ahead of compliance risks and future-proof their operations. Best practices for blockchain compliance If you’re operating — or planning to operate — in blockchain environments, these practices should be at the top of your checklist. Establish robust internal controls Managing digital assets safely demands stricter-than-ever internal controls. That means: Segregation of duties Role-based access systems Rigorous transaction validation. Without these safeguards, the risk of fraud or mismanagement climbs quickly. Engage with regulators early Organizations that wait for final rulings often find themselves scrambling. Proactively building relationships with regulatory bodies helps you stay informed and adapt to early guidance. For example, a licensed Swiss crypto bank, SEBA, engaged early with the Swiss Financial Market Supervisory Authority (FINMA) and became one of the first banks to secure a banking and securities dealer license in 2019. Its proactive compliance approach allowed it to operate both crypto and traditional assets legally in Switzerland. In addition, the Crypto Valley Association (based in Zug) collaborates regularly with Swiss regulators to shape clear, forward-thinking crypto and blockchain policies. They’ve been instrumental in making Switzerland one of the world’s most crypto-friendly jurisdictions. Invest in ongoing compliance training Blockchain regulation is in flux. Regular training ensures your finance and compliance teams are ready to adapt. Everyone from junior auditors to senior compliance officers needs to stay fluent in blockchain fundamentals , regulatory updates and best practices. By building these habits into your organization now, you’ll be better equipped in the long term. Actionable steps for finance professionals So, blockchain does have real use cases in finance; it is here to stay and needs to be firmly on your radar. Here’s how different finance professionals can start making smart, manageable moves today: For bankers Focus on practical wins first. Look for areas where blockchain can immediately improve operations, like speeding up settlements, streamlining compliance processes or making loan servicing more transparent. Instead of jumping into a full blockchain overhaul, pilot small initiatives in targeted areas like trade finance or cross-border payments. This way, you can measure results with minimal risk. Also, partnering with fintechs that specialize in blockchain infrastructure can accelerate your learning curve and implementation, letting you tap into blockchain benefits without rebuilding internal systems from scratch. For CPAs and auditors Stay current with evolving standards — especially updated AICPA guidance on digital asset accounting and blockchain auditing. Certified Public Accountants (CPAs) and auditors also need to build technical expertise because auditing blockchain records isn’t the same as auditing traditional ledgers. You’ll need to understand: How blockchain structures data How verification works What best practices apply to blockchain audit trails. Moreover, don’t be afraid to advocate for blockchain adoption at your firm — especially when it can boost transparency, lower risk, and strengthen the credibility of financial reporting. For CFOs and treasurers When evaluating blockchain initiatives, look through a financial lens first. Consider: How blockchain impacts cash flow How tokenization might affect your balance sheet How stablecoins or blockchain-based settlements could influence treasury operations. If tokenization or stablecoin strategies are even on the horizon for your business, they should already be reflected in your three- to five-year strategic plans. Also, don’t go it alone: Engage with peer networks, industry groups and blockchain-focused finance events. Real-world insights from other CFOs and treasurers can help you spot opportunities and avoid common early-adoption pitfalls.