According to the Financial Times, crypto-collateralised loans offered by banking institutions such as JPMorgan, as it has numerous systemic risks compared to risk of 2008.
Today, the crypto market kept on trading with strength as Bitcoin Prices today remained above $119,000 and Ethereum price increased above $3,900, with bullish momentum supported by a wave of institutional flows.
In July 2025, Ethereum had a historic month for ETH ETFs with the fund recording net inflows of $4.57 billion, the most ever for any ETH-based fund in a month.
On July 25 alone, net inflows reached $452.8 million, representing a substantial amount of confidence from institutional flows.
To compare, Bitcoin spot ETFs had a respectable $547.7 million in July inflows, though Ethereum was the dominant ETF for investor interest.
This stark divergence occurred one year after Ethereum recorded its worst ETF month in July 2024, turning sentiment upside down with ETF approvals and larger Layer-2 adoption.
TMTG, or Trump Media & Technology Group, has made an announcement to have made a $2 billion Bitcoin allocation into its corporate treasury.
They are now one of the largest politically affiliated BTC holders. Their decision emulates companies like MicroStrategy, and symbolizes the continued adoption of Bitcoin as a long-term value store by non-traditionally aligned institutions.
With U.S. election narratives heating up, the announcement may symbolize a turning point for politically aligned entities to interact with crypto.
Cuy Sheffield, Visa’s Vice President and Crypto Division Lead, confirmed that the company is actively exploring stablecoin integrations in regions like Latin America, Africa, and Southeast Asia.
While there is still uncertainty around U.S. regulation surrounding stablecoins, global adoption is advancing more rapidly in countries with a lesser amount of banking infrastructure.
Visa stressed that it sees stablecoins not as a threat, but as another layer to payments, as they continue the pilot of USDC and USDP with their fintech partners.
According to blockchain security reports and New York regulators, AI-enabled crypto scams are up 456% year on year because of deepfakes, voice cloning and chatbot impersonations.
A large scam network in Vietnam that stole funds from users in the U.S. was taken down recently, where scammers used elaborate social engineering techniques.
Experts warn that both new and experienced crypto users may fall for hyper-realistic fraud as generative AI becomes more advanced.
In a Financial Times column, new fears were raised about systemic risk considerations due to crypto-collateralised lending in the cases of banks like JPMorgan starting to offer token-backed loan products.
The column likens current lending practices to that of the pre-2008 mortgage catastrophe, also stressing that one stablecoin depeg, or a rapid devaluation in a token, would catalyse liquidity spirals.
With DeFi and TradFi overlapping greater than ever before, there is growing calls for a regulatory framework with clarity.
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