In 2025, many important advances in the field of cryptocurrency were recorded in the United States, including legal reforms, the development of digital banking services, and strong market fluctuations.
New stablecoin regulations along with advances in cryptocurrency investment and trading are driving the digital finance sector's breakthrough, while risks from cross-chain on-chain criminal activities persist.
MAIN CONTENT
The GENIUS Act has officially been enacted, setting standards for stablecoins in the U.S. market.
Standard Chartered Bank becomes the first organization to offer regulated Bitcoin and Ethereum trading.
Bitcoin surpasses gold, becoming the highest performing asset of 2025.
#1 How does the GENIUS Act impact stablecoins in the U.S.?
The GENIUS Act was passed by the U.S. Congress and signed into law by President Trump, marking the first legal turning point for stablecoins, requiring transparent reserves and clear collateral.
With a majority vote of 308-122 in the House of Representatives, the law requires stablecoins to be backed by liquid assets such as U.S. dollars or short-term bonds, along with monthly reserve disclosures. President Trump considers this an important step to strengthen the U.S. position in global finance and cryptocurrency technology.
#2 What does the expansion of 401(k) investments into cryptocurrency mean?
President Trump is preparing to issue an executive order prioritizing allowing 401(k) retirement plans to invest in alternative assets such as cryptocurrency, gold, and private equity, opening up a $9 trillion retirement savings market.
This executive order encourages regulators to adjust to diversify investment portfolios for the public while creating opportunities for cryptocurrency to access large capital from pension funds that mainly invest in stocks and bonds.
#3 What has Standard Chartered done to lead the cryptocurrency trading market?
Standard Chartered officially offers spot trading services for Bitcoin and Ethereum through its UK branch, targeting institutional customers.
"Digital assets are foundational factors in the evolution of the financial services industry."
Bill Winters, CEO of Standard Chartered, 2025
This service allows customers to trade BTC and ETH alongside traditional currency management systems, demonstrating a vision of integrating traditional and digital finance over many years of development, from Zodia Custody to Libeara.
#4 How does the inflation situation in June affect the cryptocurrency market?
The U.S. Consumer Price Index (CPI) in June rose by 0.3% compared to May, bringing the annual inflation rate to 2.7%, the highest since February this year.
Core CPI remains stable at 2.9% as forecasted, indicating that the Federal Reserve has reasons to be cautious about lowering interest rates. Some items, such as household appliances and electronics, have seen significant price increases due to new tariffs. Bitcoin experienced a slight drop immediately after the announcement but quickly recovered.
#5 What notable findings were there in the investigation into XRP transfers before the WazirX hack?
Before the hacker attack worth 2 trillion INR, more than 1.5 trillion INR of XRP was transferred from wallets related to WazirX. The CEO of WazirX explained that this was a normal operation aimed at consolidating cold wallets, not a direct transfer to Binance.
The XRP wallet was publicly disclosed on WazirX's Proof of Reserves page, so there is currently no verified evidence for suspicions of illegal withdrawals.
#6 Does Grayscale plan to release shares? What does this mean?
Grayscale has filed confidential documents with the U.S. Securities and Exchange Commission to prepare for a future IPO, helping to expand access to traditional investors.
The discreet registration allows the company to gauge market reactions and refine its plan before going public, creating strong growth potential in both traditional finance and cryptocurrency.
#7 How does the cryptocurrency market in 2025 show resilience?
The total cryptocurrency market capitalization is nearing $4 trillion, thanks to the strong price increase of Ethereum and XRP after important bills were passed in the United States.
"We are optimistic as institutions accelerate integration with the cryptocurrency industry."
Nick Ruck, LVRG Director, 2025
Bitcoin surpasses the $120,000 mark, ETH rises 8% to $3,600, and XRP increases 20%, reaching an annual peak of $3.64. Data from CoinMarketCap and TradingView shows that cryptocurrency prices are currently higher than their late-year highs from the previous year.
#8 What is the latest on Ripple's dispute with the SEC?
Ripple has paid a fine of $125 million in cash, as mandated by the court, which requires that XRP not be used to pay fees.
The lawsuit is still ongoing as both parties have not withdrawn their appeals; the amount is currently locked in an escrow account. XRP maintains a strong upward momentum, increasing 29% last week and trading above $3.15.
#9 What does Bitcoin surpassing gold as the best asset of 2025 mean?
Bitcoin peaks at $123,000 and grows 30% since the beginning of the year, surpassing gold to become the highest-performing asset of the year.
Charlie Bilello, a financial expert, states that this is not only a positive signal but also reflects investors' anxiety looking for safe havens amid economic instability.
#10 How has cross-chain on-chain crime increased?
Elliptic's report shows that criminals using DEXs, cross-chain bridges, and swap tools have transferred over $21.8 billion this year, three times the amount in 2023.
Of this, $2.5 billion is related to North Korean hackers and $300 million to an organization sanctioned by the U.S. The complexity requires comprehensive tracking systems to respond effectively.
Frequently Asked Questions
How does the GENIUS Act affect the stablecoin market?
The GENIUS Act requires stablecoins to hold liquid assets and disclose transparently, helping increase reliability and promote the mainstream development of stablecoins in the U.S.
What are President Trump's plans for cryptocurrency in the 401(k) fund?
Trump advocates for allowing 401(k) funds to invest in new assets such as cryptocurrency, enabling retirement capital to access alternative investment tools.
Who does Standard Chartered offer cryptocurrency trading services to?
Standard Chartered's Bitcoin and Ethereum trading services target institutional clients, integrating digital asset trading with traditional financial management systems.
Is Bitcoin surpassing gold in 2025 a positive sign?
Bitcoin's dominance reflects both growth expectations and the sentiment of seeking safe havens amid increasing economic risks.
How does cross-chain on-chain crime affect cryptocurrency security?
Crime has surged across multiple blockchains, making monitoring and prevention more complex, requiring more comprehensive technological solutions.
Source: https://tintucbitcoin.com/tintucbitcoin-tin-noi-bat-tuan-nay-2/
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