Institutions Embrace Bitcoin and Ethereum Institutional investors have embraced Bitcoin more readily due to its longevity and liquidity, the report notes. Spot bitcoin ETFs launched in early 2024 and now hold $176 billion in assets, according to CoinShares data from October 2025. New research from CoinShares breaks down why Bitcoin and Ethereum function as complementary rather than competing assets, a distinction that could support the investment case for dual-exposure products like the CoinShares Bitcoin a ...

Strategy founder Michael Saylor rejected the premise that stablecoins pose a competitive threat to Bitcoin’s long-term trajectory, challenging ARK Invest CEO Cathie Wood’s recent downward revision of her 2030 price target from $1.5 million to $1.2 million. The debate erupted from a fundamental disagreement over whether the $308 billion stablecoin sector, which now accounts for 30% of crypto transaction volume, encroaches on Bitcoin’s use cases or operates in an entirely separate economic layer. Wood’s No ...

Core Insights - The main theme of the speeches is the importance of privacy protection in the era of digital finance, emphasizing the need for legislative measures to ensure data minimization, transparency, and accountability in data collection and protection [1][3]. Group 1: Digital Finance Development - Digital finance in China has been significantly advanced since the early 2000s, with widespread application starting in 2010, particularly in mobile payments, where China is a global leader [3]. - The development of financial infrastructure, including payment systems and credit systems, has played a crucial role in the growth of digital finance [3]. Group 2: Legislative and Regulatory Framework - The legislative framework should focus on protecting individual rights and privacy, requiring financial institutions to adhere to data minimization, transparency, and consent principles [3]. - Institutions collecting data must be responsible for its protection and must implement necessary measures to prevent data breaches, with legal accountability for any violations [3]. Group 3: Innovation and Risk Management - Innovation is identified as the core driver of financial market development, with effective institutional arrangements being essential for risk management and protection of property rights [2]. - Digital finance enhances the ability to manage and mitigate financial risks, leading to reduced costs and improved accessibility of financial services [2].

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Apparently, it's not cool to use cash anymore. More than 53% of Gen Z say they only use cash as a last resort, and almost one-third describe people who pay with cash as out of touch or even cringe, according to The Harris Poll, conducted in partnership with Cash App. Why Gen Z Thinks Cash Is Cringe One of the most surprising findings is that cash makes Gen Z more impulsive, not less. Older generations often used cash envelopes to stay disciplined, but Gen Z says the opposite happens. According to the sur ...

Stablecoin giant Tether has announced a strategic investment in Parfin, a Latin American platform for digital asset custody, tokenization, trading, and institutional management. The investment is intended to accelerate the adoption of USDT in enterprise-grade use cases and expand blockchain-based settlement infrastructure across the region. Strengthening USDT for Institutional Settlement and RWA Markets Tether’s investment reflects its broader commitment to establishing USDT as a core settlement and liq ...

South Korean crypto exchange giant Upbit is in the final stages of acquisition. Source: Universal History Archive/Universal Images Group via Getty Images. Key Takeaways Naver is preparing to acquire Dunamu, the parent company of Upbit, South Korea’s largest crypto exchange. Both companies are expected to finalize the deal at board meetings next week. The acquisition will be structured as a stock swap through Naver Financial. South Korea’s largest tech giant and its largest crypto exchange are on t ...

Core Insights - The banking industry is entering a new phase of digital finance development driven by AI applications, enhancing the integration of technology and business operations [2] - There is a significant increase in technology investment among major banks, with a focus on optimizing governance structures and resource management [3][4] - AI is reshaping competitive dynamics in the banking sector, enabling smaller banks to leverage technology for innovation and growth [2] Technology Investment and Governance - In 2024, the total technology investment by six major state-owned banks exceeded 120 billion yuan, marking a 2.15% year-on-year increase, with a total of over 111,000 technology personnel, up 19.34% from the previous year [3][4] - The technology investment of these six banks accounts for over 50% of the total technology spending in the banking industry, which exceeds 200 billion yuan [4] - Some banks, such as China Construction Bank and Ping An Bank, have reported a decrease in technology investment, indicating a shift towards optimizing technology resource management [5][6] AI Application and Innovation - AI applications are accelerating the integration of business and technology, with various banks launching innovative projects across different scenarios [2][6] - Smaller banks like Qingdao Bank and Hunan Bank have demonstrated significant innovation capabilities through AI, winning multiple awards in recent fintech competitions [2] Talent Development and Resource Allocation - The proportion of technology personnel in major banks has increased, reflecting a growing emphasis on talent as a core resource for digital finance development [9][10] - Banks are adopting dual pathways for cultivating composite talents, focusing on both external recruitment and internal mechanisms to enhance the integration of technology and business [11][12] - The shift towards "business-technology co-creation" is emphasized, with banks encouraging deeper involvement of business units in technology development processes [13]

新华财经北京11月17日电（王菁）新华财经17日从澳门金融管理局获悉，截至2025年10月底，澳门获许 可营运的金融机构数量持续增加，包括融资租赁公司、投资基金管理公司及投资银行等多种新型机构， 带动金融业务日趋多元。同时，债券市场、基金法规及金融基建等方面取得显著成效，为现代金融业注 入新动能。 债券市场互联互通投资者结构多元化 同时，金管局与中国人民银行签署备忘录，推动内地与澳门快速支付系统（FPS）实现互联互通。此 外，"数字澳门元"项目按部署稳步推进，现已完成核心系统构建工作，并在沙盒场景中开展小规模交易 测试，旨在提升数字金融基建水平。 澳门金管局还介绍称，其积极发挥澳门作为中葡金融平台的作用。今年5月，与葡萄牙保险及退休金监 管局（ASF）合办"葡语国家／地区保险监管专员协会（ASEL）监管人员高阶培训及考察活动"；10 月，赴佛得角出席"第十二届葡语国家中央银行行长会议"，并与佛得角央行签署《关于监管事务的合作 协定》，深化双边金融监管合作。 基金法规接轨国际财富管理根基夯实 为促进财富管理市场发展，澳门特区政府于今年7月颁布重新修订的《投资基金法》，该法将于2026年 起正式生效。新法旨在加强 ...

Malaysia Regulator: Exchanges Will Be Allowed to List Tokens IndependentlyOn November 4, Wong Huei Ching, Executive Director at the Securities Commission Malaysia, stated at the Finternet 2025 Asia Digital Finance Summit that the regulator will introduce enhanced guidelines next year, granting exchanges the ability to list tokens based on their own governance processes rather than requiring case-by-case approval.Source：https://t.co/cbelS1lmUH ...