Europe

🔔 MARKET MOVING NEWS! (25/09/25)
1️⃣ Nine European Banks Join Forces to Issue MiCA-Compliant Euro Stablecoin 🏦
#EUR #Europe #StablecoinRevolution
Nine major European banks have partnered to launch a euro-denominated stablecoin that complies with the EU's Markets in Crypto Assets (MiCA) regulation. The banks involved are ING, Banca Sella, KBC, Danske Bank, DekaBank, UniCredit, SEB, CaixaBank and Raiffeisen Bank International
The bank-backed stablecoin project seeks to create a trusted, European payment standard in the digital ecosystem, offering an alternative to the U.S.-dominated stablecoin market and bolstering Europe's autonomy in payments. Key features include near-instant, low-cost transactions available 24/7, efficient cross-border payments, programmable capabilities, and enhancements for supply chain management and digital asset settlements. The banks have established a new company in the Netherlands, aiming for licensing as an e-money institution under the Dutch Central Bank's supervision, with the stablecoin's initial issuance planned for the second half of 2026.

2️⃣ South Korea's Upbit To Merge Under Internet Giant Naver Via Stock Swap
According to local media reports, South Korean tech giant Naver is planning to absorb Dunamu, the parent company of South Korean crypto exchange Upbit. Specifically, the deal will see Naver’s payment subsidiary, Naver Financial, undertake a comprehensive share exchange with Dunamu, making it a fully owned subsidiary of Naver Financial. Both entities will remain legally separate, with Naver Financial issuing new shares to acquire stakes from Dunamu's shareholders. The move could integrate Upbit's crypto infrastructure into Naver's ecosystem, potentially positioning it better amid evolving regulations, especially for Korean won-pegged stablecoins

3️⃣ Australia Drafts Law to Tighten Oversight of Digital Asset Platforms ‼️ #AustraliaCrypto
Australia has introduced draft legislation to regulate digital asset platforms. It extends existing financial services laws, defining new categories like "Digital Asset Platforms" and "Tokenised Custody Platforms." Under the legislation, crypto operators must obtain an Australian Financial Services License (AFSL), manage conflicts of interest, provide dispute resolution, and meet custody and settlement standards, with penalties up to 10% of annual turnover for violations. Small platforms handling under $5,000 per client or $10 million annually are exempt. It also includes provisions for wrapped tokens, public token infrastructure, and staking. The bill allows regulatory flexibility for tech changes to avoid stifling innovation.

4️⃣ Coinbase, Sony and Samsung Back $14.6M Round for Stablecoin Startup
Bastion, a stablecoin infrastructure startup, has raised $14.6 million in a new funding round led by Coinbase Ventures, with additional backing from Sony Ventures, Samsung Ventures, Andreessen Horowitz's crypto arm (a16z crypto), and Hashed. This brings Bastion's total funding to over $40 million, following a $25 million round in 2023 also led by a16z crypto. The company, founded by former Meta and a16z executives including Nassim Eddequiouaq (who worked on Meta's Libra project), provides white-label stablecoin solutions that allow businesses to issue and manage digital dollars without needing their own regulatory licenses or coding expertise. Bastion plans to use the funds for product expansion, hiring in areas like compliance and revenue, and leadership growth.

5️⃣ GSR's New ETF Proposal Eyes Digital Asset Treasuries Amid Growing Popularity 👀
Crypto market maker GSR has filed with the U.S. SEC for a new ETF called the GSR Digital Asset Treasury Companies ETF. Notably, the new ETF seeks to invest at least 80% of its net assets in equity securities of companies holding digital assets like bitcoin, XRP, and Solana in their corporate treasuries. This comes as we see a surge in digital asset treasuries (DATs). The filing also includes proposals for other funds tracking Ethereum components, such as staking and yield.
6️⃣ Franklin Templeton Taps BNB Chain for BENJI Expansion After Binance Team-Up 🤝

Franklin Templeton is reportedly expanding its tokenisation platform Benji to BNB Chain. The move seeks to enhance product availability using the blockchain's low-cost and compliance-ready infrastructure. The Benji Technology Platform is used to administer shares in Franklin Templeton’s OnChain U.S. Government Money Fund. For context, the product launched on Stellar in 2021. It has since grown to $732 million in assets backed by government securities, cash, and repos, and now spans eight blockchains including Ethereum, Solana, Avalanche, and Base, with 938 holders.

What if the Euro, one of the world’s strongest and most widely used currencies, were suddenly replaced by a digital token? What if Europe declared that $XRP , a cryptocurrency built for speed and cross-border payments would become its official currency?
While this hasn’t happened, the idea sparks fascinating questions: how would such a move transform the economy, the crypto market, and even daily life in the European Union? Let’s explore this scenario step by step.

Why $XRP ?

Among thousands of cryptocurrencies, why would a union of 27 countries choose XRP?
Fast Transactions: XRP settles payments in seconds, much faster than traditional banking networks.
Low Fees: Cross-border transactions that cost banks millions could be streamlined at a fraction of the cost.
Scalability: XRP’s network was designed to handle large transaction volumes something essential for the world’s second-largest economy.

Existing Use Case: Ripple, the company associated with XRP, has already partnered with banks and financial institutions worldwide for remittances and liquidity solutions.
From a technical standpoint, $XRP is one of the closest cryptocurrencies to being “ready” for real-world, large-scale use.

The Ripple Effect on the EU Economy
Efficiency in Payments

Businesses could move money instantly across borders, cutting out delays in settlements. This would benefit exporters, importers, and ordinary citizens sending remittances.
Financial Inclusion

Citizens without access to banking services could transact digitally with only a mobile phone. This could reduce inequality and boost participation in the financial system.
Transparency & Traceability

Blockchain’s public ledger would make financial flows more transparent, reducing fraud and tax evasion.
Potential Volatility Risks

Unlike fiat currencies, crypto assets can swing in value. For XRP to serve as an official currency, mechanisms to stabilize its price (like reserves or monetary policy tools) would be necessary.

Impact on Global Crypto Markets
Price Surge for XRP: Demand would skyrocket if an entire continent adopted it. XRP could move from being a top-five crypto to rivaling Bitcoin and Ethereum in influence.
Legitimacy Boost for Crypto: Declaring XRP as an official currency would mark the first time a major world economy embraced crypto as its core financial system. This could push other nations to accelerate their own digital currency strategies.
Regulatory Domino Effect: The EU would set a global precedent. Other governments might adopt similar approaches or double down on strict regulations to protect their sovereignty.

Daily Life in the EU Under XRP
Paychecks in XRP: Workers would receive salaries directly in XRP, which could be instantly converted into goods, services, or other assets.
Taxes in XRP: Governments would collect revenue in crypto, creating on-chain transparency in public finances.
Smart Contracts in Commerce: Businesses could use XRP-based smart contracts for supply chain deals, trade settlements, and automated payments.
Tourism & Travel: Travelers in Europe wouldn’t need currency exchanges. XRP would unify payments across all 27 countries.

Challenges & Questions
Stability Mechanisms: Would XRP’s price be pegged or left to float in open markets?
Monetary Policy: How would the European Central Bank conduct interest rate policy if the “currency” is decentralized?
Technical Risks: Could the network handle the transaction load of 450 million people?
Public Trust: Would European citizens embrace a crypto-native currency, or would resistance slow adoption?

Lessons for Investors & Builders

Even though this scenario is hypothetical, it highlights key truths about the future of money:
Crypto is no longer niche. Discussions of national or continental adoption are already happening.
Utility matters. Coins with real-world use cases (like fast payments) are the ones most likely to gain institutional support.
Regulation is the bridge. Only when governments and regulators feel comfortable will crypto move from investment asset to daily currency.

The Takeaway

XRP becoming the EU’s official currency is unlikely in the immediate future, but even imagining it helps us understand where digital finance might be heading. Whether through central bank digital currencies (CBDCs) or adoption of existing tokens, the age of blockchain-based money is getting closer.
For investors, entrepreneurs, and everyday crypto users, the message is clear: the conversation has shifted from “if” to “when.”

🔔 Want more thought experiments, market analysis, and breakdowns of how crypto could reshape global finance? Follow me and stay ahead of the next big shift.
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