In 2025, significant progress is noted in the cryptocurrency field in the United States, including legal reforms, digital banking service development, and strong market fluctuations.
New stablecoin regulations and advancements in cryptocurrency investment and trading are driving the digital finance sector forward, while also presenting risks from cross-chain on-chain criminal activities.
- GENIUS Law officially enacted, setting standards for stablecoin in the US market.
- Standard Chartered becomes the first institution to provide controlled Bitcoin and Ethereum transactions.
- Bitcoin surpasses gold, becoming the highest-performing asset in 2025.
#1 How does the GENIUS Law impact stablecoins in the US?
The GENIUS Law, passed by the US Congress and signed by President Trump, is the first legal turning point for stablecoins, requiring transparent reserves and clear collateral assets.
With a 308-122 majority vote in the House, the law requires stablecoins to be supported by liquid assets like US dollars or short-term bonds, with monthly reserve disclosures. President Trump assessed this as an important step in strengthening the US position in global financial and cryptocurrency technology.
#2 What is the significance of expanding 401(k) investment into cryptocurrencies?
President Trump is preparing to issue an order prioritizing 401(k) retirement plans to invest in alternative assets like cryptocurrencies, gold, and private equity, opening up a $9 trillion retirement savings market.
This order encourages regulatory agencies to diversify investment portfolios for citizens, while creating opportunities for cryptocurrencies to access large capital from retirement funds primarily invested in stocks and bonds.
#3 What has Standard Chartered done to lead the cryptocurrency trading market?
Standard Chartered officially provides spot trading services for Bitcoin and Ethereum through its UK branch, targeting institutional clients.
"Digital assets are a fundamental factor in the evolution of the financial services industry."
Bill Winters, CEO Standard Chartered, 2025
This service allows clients to trade BTC, ETH with traditional currency management systems, demonstrating the vision of integrating traditional and digital finance through years of development, from Zodia Custody to Libeara.
#4 How does June's inflation in the US affect the cryptocurrency market?
The US CPI increased 0.3% in June compared to May, bringing annual inflation to 2.7%, the highest since February this year.
Core CPI remains stable at 2.9% as forecast, indicating the US Federal Reserve has reason to be cautious about lowering interest rates. Some items like household and electronic equipment saw significant price increases due to new tariffs. Bitcoin experienced a slight drop after the announcement but quickly recovered.
#5 What stands out in the XRP transfer investigation before the WazirX hack?
Before the 2 trillion INR hacker attack, over 1.5 trillion INR of XRP was transferred from a wallet related to WazirX. WazirX's CEO explained this as a normal activity to consolidate cold storage, not a direct transfer to Binance.
The XRP wallet was publicly disclosed on WazirX's Proof of Reserves page, so there is no verified evidence of illegal withdrawal suspicions.
#6 Does Grayscale plan to issue stocks? What does this mean?
Grayscale has secretly filed with the US Securities and Exchange Commission to prepare for a future IPO, helping to expand access to traditional investors.
The discreet registration allows the company to explore market reactions and refine plans before going public, creating potential for strong development in both traditional finance and cryptocurrency.
#7 How does the cryptocurrency market show its momentum in 2025?
The total cryptocurrency market capitalization approaches $4 trillion, thanks to significant price increases in Ethereum and XRP after important bills were passed in the US.
"We are optimistic as institutions accelerate integration with the cryptocurrency industry."
Nick Ruck, LVRG Director, 2025
Bitcoin surpassed $120,000, ETH increased 8% to $3,600, and XRP rose 20%, reaching an annual peak of $3.64. Data from CoinMarketCap and TradingView shows cryptocurrency prices are currently higher than the previous year's peak.
#8 How is the Ripple dispute with the SEC progressing?
Ripple has paid the full $125 million fine in cash, with a court order prohibiting the use of XRP for payment.
The lawsuit is not yet over as both parties have not withdrawn their appeals; the current amount is frozen in an escrow account. XRP maintains strong growth, increasing 29% last week and trading above $3.15.
#9 What does Bitcoin surpassing gold as the best asset in 2025 mean?
Bitcoin reached a peak of $123,000 and grew 30% from the beginning of the year, outperforming gold to become the highest-performing asset of the year.
Charlie Bilello, a financial expert, notes this is not just a positive signal but also reflects investors' anxiety about finding a safe haven during economic instability.
#10 How significantly has cross-chain on-chain cryptocurrency crime increased?
The Elliptic report shows criminals using DEXs, cross-chain bridges, and swap tools have transferred over $21.8 billion this year, three times the amount in 2023.
Of this, $2.5 billion is related to North Korean hackers and $300 million to Iran-sanctioned organizations. The complexity requires full-chain tracking systems to respond effectively.
Frequently Asked Questions
How does the GENIUS Law affect the stablecoin market?
The GENIUS Law requires stablecoins to maintain liquid asset reserves and be publicly transparent, helping to increase trust and promote the official development of stablecoins in the United States.
What plans does President Trump have for cryptocurrencies in 401(k) funds?
Trump is promoting the allowance of 401(k) funds to invest in new assets like cryptocurrencies, helping retirement capital access alternative investment tools.
Who does Standard Chartered provide cryptocurrency trading services for?
Standard Chartered's Bitcoin and Ethereum trading services target institutional clients, combining digital asset trading with traditional financial management systems.
Is Bitcoin surpassing gold in 2025 a positive sign?
Bitcoin's superiority reflects both growth expectations and the psychological search for a safe haven amid increasing economic risks.
How does cross-chain crime affect cryptocurrency security?
Crime increasing across multiple blockchain makes monitoring and prevention more complex, requiring more comprehensive technological solutions.
