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Jennifer HowardJennifer Howard

crypto isn't here to destroy banks—it’s here to upgrade them

Crypto was never meant to burn the old system down. Sure, the headlines have been loud: memecoins, overnight millionaires, the next “bank killer.” But beneath the noise, the most meaningful changes in crypto aren’t about rebellion—they’re about integration. What’s actually happening is a convergence. Tokenization of real-world assets is accelerating. Programmable finance is gaining structure. Institutions are stepping in—not to replace crypto, but to build with it. This isn’t some ideological war between TradFi and DeFi. It’s a slow, deliberate bridge-building project—and both sides are walking toward the middle. In the U.S., the approval of spot Bitcoin ETPs, the rise of state-level digital asset laws, and growing regulatory clarity are creating the conditions for large capital to engage responsibly. In Europe and parts of Asia, similar signals are unlocking innovation while lowering systemic risk. Crypto isn’t being swallowed—it’s being standardized. Yes, some argue this dilutes the original ethos. But crypto never had to be lawless to be powerful. True scale was always going to require security, trust, and compliance. You can’t democratize finance if no one trusts the system. The real value of crypto lies in what it adds, not what it erases. Blockchain brings transparency where opacity once ruled. It brings automation where inefficiency thrived. In real estate, for example, tokenization is beginning to crack open a $38 trillion market long frozen by outdated systems. Fractional ownership could let anyone, anywhere, invest in assets once reserved for the ultra-wealthy. This is no longer theory. In Dubai, the first licensed tokenized real estate project has gone live. Similar plays are happening across Europe, the Americas, and Asia. We’re entering a phase where infrastructure—not hype—is what matters most. Projects that win won’t be the loudest. They’ll be the ones with clear governance, verifiable cash flows, and compliance built into code. This shift from chaos to clarity is not crypto’s death—it’s crypto growing into its power. The future of finance isn’t DeFi versus banks. It’s DeFi with banks. And that future is already unfolding. #Finance #MakeMoney

13 days ago
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crypto isn't here to destroy banks—it’s here to upgrade them | | zests.ai