Cryptosoughttrade-off. Infor For the US-approved for Bank's's opening, Crypto did not get "adopted" in a vacuInffIn this episode, we unpack the trade-off: regulated access (like spot Bitcoin exchange-traded products) can bring liquidity and legitimacy, but it also drags Crypto into the same custodians, intermediaries, and risk models that DeFi tried to avoid. For example, the US approved spot Bitcoin ETP listings in January 2024, which opened the door for a new wave of institutional exposure, without granting ordinary people any extra sovereignty by default. Then we zoom out to the rulebook makers. The EU's MiCA framework is now live in phases (stablecoin rules applied from 30 June 2024, with the main authorisation regime for crypto asset service providers applying from 30 December 2024, plus transitional options in some countries). Meanwhile, Singapore's central Bank's's has pushed a strict stablecoin framework and is actively trialling tokenised settlement-style infrastructure as well.

Finally, we stitch it together with the "global compliance layer". The Financial Stability Board has published global recommendations for crypto asset activities and stablecoins. At the same time, the FATF continues to pressure countries to implement the Travel Rule and tighter controls on service providers. That tension is the heart of the episode: Crypto as sovereign infrastructure, versus Crypto as a regulated product category.

tokenisation-based multi-currency. You will also hear why stablecoins and tokenisation are becoming the real battlefield for payments and cross-border settlement. The BIS is tokenisation-based models, such as Project Agorá, aimed at a multi-currency unified Ledger for wholesale cross-border payments.

(Usual note: this is commentary and education, not financial advice.)

Note about AI and interviews:
This episode uses a bit of AI magic to help pull threads together and keep the research tidy. If you would like to do a proper human interview in the future, email podcast@beitmenotyou.online.

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Suggested sources for show notes (high-quality anchors):
US spot Bitcoin ETP approval (SEC, 10 January 2024)
Congress Research Service explainer on the approvals
EU MiCA overview (ESMA)
MiCA applicability dates (Central Bank's's of Ireland)
Singapore stablecoin framework (MAS, 15 August 2023)
FSB global framework for crypto assets and stablecoins (17 July 2023)
FATF Travel Rule implementation pressure (targeted update, 2023)
BIS Project Agorá and tokenisation for cross-border payments
US stablecoin law (GENIUS Act, Public Law 119–27, 18 July 2025

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