#CryptoIntegration Revolution in the Traditional System

Current facts:

- 87% of G20 banks integrate crypto (vs. 45% in 2023).

- Crypto payment volumes on Visa/Mastercard: $47 billion quarterly (210% increase year-on-year).

- Tokenization of real-world assets (RWA): $1.2 trillion market valuation.

Engines of integration:

1. The MiCA regulation in the EU has standardized the legal framework.

2. The requirement of corporations for cheap cross-border payments.

3. Institutional adoption: 21% of pension funds allocate to crypto.

Key news:

- JPMorgan Chase has tokenized government securities on a private blockchain (volume: $900 million).

- Swift* is launching an interface for stablecoins in 2026.

- Goldman Sachs offers ETH-backed loans to premium clients.

Risks:

- Regulatory fragmentation: SEC (USA) vs. MiCA (EU) creates inefficiencies.

- Increased ransomware attacks by 300% using crypto payments.

- Hidden centralization: 65% of RWA are controlled by 5 banks.

Forecasts:

- By 2026: 40% of B2B payments will use stablecoins.

- CBDCs will cover 30% of global savings.

- Real estate tokenization will reach $450 billion.

Conclusion:

Crypto integration is becoming inevitable, but the bifurcation between ideal decentralization and institutional control is deepening. Watch for:

1. Unification of legal frameworks (FED + ECB).

2. The explosion of RWA in emerging markets.

3. The response to cyber attacks.

Source: BIS Report, Financial Times, JPMorgan White Paper.