Institutional Crypto Adoption Surges!🌊
Over the past week, we’ve seen a wave of crypto adoption and regulatory clarity like never before.
Hey Thinkers 💡
Despite the crypto market being stuck in a boring — and at times painful — consolidation, something much bigger is happening under the surface.
While prices chop, institutional adoption is accelerating and regulatory clarity is finally arriving. This is exactly what late-cycle and pre-expansion phases often look like: quiet markets, loud fundamentals.
Let’s break it down.
🏦 U.S. Regulators Open the Banking Door to Crypto
In a major step toward integrating digital assets into the traditional financial system, the Office of the Comptroller of the Currency (OCC) has issued conditional approvals that fundamentally change the landscape.
New National Trust Bank Approvals
Ripple and Circle received conditional approval to establish national trust banks
BitGo, Paxos, and Fidelity Digital Assets were approved to convert state trust charters into national charters, allowing nationwide operations
This is not symbolic — it places crypto-native firms directly inside the U.S. banking framework.
Riskless Principal Trading Clarified
The OCC also clarified in Interpretive Letter 1188 that national banks may engage in “riskless principal” crypto transactions.
In simple terms:
Banks can intermediate crypto trades
Buy from one client and sell to another simultaneously
Hold no crypto inventory
Function like regulated brokers
This removes one of the last major barriers for banks offering crypto trading.
🏛️ JPMorgan Goes Onchain — Big Time
JPMorgan continues to push real-world finance onto public blockchains.
Commercial Paper on Solana
JPMorgan arranged a commercial paper issuance on Solana, settled using USDC.
This marks one of the most significant real-world financial instruments ever deployed on a public blockchain.
Tokenized Money Market Fund on Ethereum
JPMorgan is also launching its first tokenized money-market fund on Ethereum:
My OnChain Net Yield Fund (MONY)
$100 million initial investment
First GSIB (Global Systemically Important Bank) to launch a tokenized fund on a public chain
This isn’t experimentation anymore — it’s production.
🧾 DTCC Gets Green Light for Tokenization
The DTCC’s depository subsidiary received an SEC No-Action Letter allowing it to tokenize certain DTC-custodied assets on approved blockchains.
What’s Coming (H2 2026):
Russell 1000 equities
Major index ETFs
U.S. Treasuries
These tokenized assets will carry:
Full ownership rights
Investor protections
Identical entitlements to traditional securities
This is a massive unlock for capital markets.
🚀 Figure Plans IPO Shares Issued on Solana
In a move that could redefine public markets, Figure Technologies is preparing to file a second IPO application — with a twist:
Shares issued natively on Solana
If approved, this could:
Reduce settlement times
Increase transparency
Lower issuance costs
And most importantly…
👉 Open the door for other companies to follow.
🎥 YouTube & PayPal Bring Stablecoins to Creators
YouTube has enabled U.S. creators to receive payouts in PayPal’s PYUSD stablecoin.
According to PayPal’s head of crypto, May Zabaneh:
“The beauty of what we’ve built is that YouTube doesn’t have to touch crypto.”
Key details:
PYUSD payouts launched in Q3 2025
Currently available only to U.S. creators
Simplifies stablecoin adoption without friction
This is how crypto scales — invisibly.
💼 Interactive Brokers Embraces Stablecoins
Interactive Brokers will now allow retail investors to fund brokerage accounts using stablecoins, according to Bloomberg.
This move keeps them competitive and signals that stablecoins are becoming a standard financial rail.
🔮 Looking Ahead to 2026
As we head into 2026:
Institutions are building
Regulators are clarifying
Tokenization is accelerating
And the crypto market structure bill is expected to pass in Q1–Q2 2026, unlocking the next phase of adoption.
⏳ When Will Bitcoin and Altcoins Rally?
Patience remains the key.
As we’ve discussed in recent newsletters, a rally is coming — but the question remains:
Relief rally… or bull market continuation?
We’ll have to let price action decide.
Here’s what I’m watching closely:
QE “Lite” began on December 12th
Liquidity should start hitting markets in January and February
Bitcoin whales have slowly resumed accumulation — a constructive signal
Price will follow liquidity. It always does.
🧩 Final Thoughts
The market may feel dull right now, but the foundations of the next major move are being laid in plain sight.
Crypto is no longer knocking on the door of traditional finance — it’s being invited inside.
Stay patient. Stay informed.
The quiet periods are where the biggest opportunities are born.
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💥Thank You to my show Sponsors
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📈Crypto Market Metrics
Here are some key data points from Santiment
Top 10 Coins Trending via Social Media
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📺 Recent Interviews
Matej Zak, CEO of Trezor, and I sat down at their Prague office to discuss the new Trezor Safe 7 hardware wallet and much more.
Keith Grossman, President at MoonPay, joined me to discuss how the firm is unlocking crypto access for both retail and institutional users.
Dan Silverman, Co-CEO and Co-Founder of Balcony, joined me to discuss how the firm is tokenizing billions in real estate on the Avalanche blockchain.
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-Tony












Thanks for the info Tony!
2026 is going to be hot. Keep up the great work Tony.