How Bitcoin and Cryptocurrency Could Change Money, Banking,…
By Damilola Esebame
AI summary of the source article
Spot Bitcoin ETFs drew approximately $58 billion in net inflows across 2024 and 2025 amid growing institutional adoption. Meanwhile, new stablecoin regulatory frameworks emerged and research indicated blockchain could reduce cross-border remittance costs by up to 80%.
Why it matters
Spot Bitcoin ETFs created "a regulated bridge between cryptocurrency markets and traditional institutional portfolios," while blockchain-based simultaneous settlement could eliminate settlement risk carried by approximately "$2.2 trillion in daily foreign exchange transactions."
Key facts
- Spot Bitcoin ETFs recorded roughly $58 billion in combined net inflows during 2024 and 2025, with BlackRock's IBIT reaching $70 billion in assets under management in 341 trading days.
- The U.S. GENIUS Act, signed in July 2025, created the first federal regulatory framework for stablecoin issuers, permitting bank charters and Federal Reserve payment system access.
- Circle and Uniswap Labs research found decentralized finance could cut remittance costs by 80%, potentially returning $30 billion annually to senders.
Source excerpt · FinanceFeeds
KEY TAKEAWAYS Cross-border remittance costs averaged 6.49% globally in the first quarter of 2025, according to the World Bank, while research suggests blockchain-based alternatives could reduce those fees by up to 80%. Spot Bitcoin ETFs attracted approximately $58 billion in combined net inflows during 2024 and 2025, creating a regulated bridge between cryptocurrency markets and traditional instit…