I. SEC Launches 'Project Crypto', Crypto Industry Enters a Critical Transformation Period
On July 31, 2025, the Chairman of the U.S. Securities and Exchange Commission (SEC), Paul S. Atkins, delivered a speech titled 'America's Leadership in the Digital Financial Revolution' in Washington, officially announcing the launch of the regulatory reform initiative 'Project Crypto.' This initiative covers the classification and issuance of crypto assets, the coexistence and trading of securities and non-securities assets, the custody and trading rule revisions of tokenized assets, compliance pathways for DeFi, and innovative exemption mechanisms.
Notably, 'Project Crypto' proposed the concept of a 'Super App' platform, allowing financial institutions to provide comprehensive financial services such as traditional stock trading, cryptocurrency trading, stablecoin payments, DeFi lending, and NFT trading through a single platform.
The launch of 'Project Crypto' marks a fundamental shift in the U.S. government's approach to crypto regulation. Previously, financial services in the U.S. market were long restricted by various licensing barriers, requiring different platforms for different financial services, while the concept of super applications has completely broken this limitation. This not only means that financial users can more freely exchange and circulate assets between traditional and on-chain assets, but also indicates that asset combinations, payment settlements, and investment experiences will usher in a qualitative leap.
As an important implementation policy following the Trump administration's rise to power, 'Project Crypto' clearly releases a strong signal of a crypto-friendly regulatory environment. This change not only significantly enhances the United States' competitiveness in the global crypto financial market but also opens up tremendous space for fusion innovation for traditional financial institutions and crypto startups.
II. The Rise of Hybrid Innovation Trends in the Crypto Field
At the same time, recent crypto projects favored in the primary investment market generally adopt a 'hybrid innovation' model that combines Web3 technology with mature Web2 business logic. For example, moving traditional ETFs on-chain, using AI technology to implement quantitative funds on-chain, and creating Bitcoin wallet applications with user experiences similar to traditional payment wallets, among others.
Three core reasons are behind the rise of hybrid innovation. The primary reason is that purely native on-chain projects are gradually encountering growth bottlenecks. The scale of on-chain users is limited, and business models overly rely on token incentives, often leading to narrative and business design falling into internal competition, making it difficult to achieve sustained growth. At the same time, the regulatory environment is becoming increasingly friendly; for instance, the ETF spot products for BTC and ETH have passed approvals smoothly, and the GENIUS and CLARITY bills have been introduced. Mainstream financial institutions on Wall Street are entering the arena, which is transforming crypto assets from niche speculation into mainstream financial investment targets. Lastly, user demand is maturing, focusing less on whether projects are decentralized, and more on actual investment returns, security, and convenience, which is driving crypto products to become more user-friendly, simple, and practical.
III. Strategic Transformation Directions for Entrepreneurs
As regulatory policies become clearer, crypto industry entrepreneurs need to shift from merely pursuing technological innovation and ideological motivation to a fusion innovation model centered on actual user needs and experiences. Traditional financial sub-sectors such as investment management, asset management, payment settlement, insurance, credit reporting, supply chain finance, and cross-border trade settlement are gradually becoming important scenarios for the implementation of Web3 technology innovation. Entrepreneurs should focus on using Web3 technology to optimize cost efficiency, transparency, and security in the backend, while the user frontend experience should be more aligned with traditional finance, ensuring that users can quickly accept and use these fusion innovation products with minimal learning costs.
IV. Nivex's Strategic Response and Core Competitiveness Development
In response to this trend, Nivex has long been strategically positioned, continuously leveraging its core AI strategy capabilities. Through its AI strategy engine, Nivex deeply integrates multidimensional on-chain data, asset rotation trends, and risk management capabilities to assist users in smart and efficient asset allocation and management in an increasingly complex market environment.
At the same time, Nivex is planning to gradually expand the asset classes covered by its AI strategy, extending from BTC and ETH to on-chain ETFs, stablecoin yield products, and other diversified asset portfolios, fully upgrading to an integrated 'hybrid asset operating system.' On the Nivex platform, users only need one account to manage various asset combinations, greatly enhancing the convenience of user trading and asset management efficiency.
On the compliance front, Nivex actively responds to the policy orientation of 'Project Crypto,' proactively building compliance infrastructure and applying for various required licenses. At the same time, Nivex will also open its AI strategy engine API and SDK interfaces to provide strategy support and compliance solutions for traditional financial and technological partners such as banks, brokerages, payment platforms, and wallets, enabling them to quickly enter the Web3 field.
V. Embracing the New Era, Nivex Builds Long-term Competitive Advantage
'Project Crypto' regulatory new policies and the trend of fusion innovation in the Web3 field are driving the entire crypto industry from the previous stage of single technological showcase and ideological dissemination into a more pragmatic and matured stage that is closer to traditional financial user experiences.
Nivex actively responds to this trend, making its AI strategy capabilities, asset integration, and compliance infrastructure construction its strategic core, continuously expanding ecological partnerships, striving to become an indispensable strategic node in the new 'super application' era, helping a wide range of users achieve intelligent asset management effortlessly in the new era of crypto finance.
