In the United States, Congress passed the "Genius Act" on July 17, which is the first federal regulatory framework for payment stablecoins, and it was signed into effect by the President on the 18th. This law provides a legal basis for the issuance and use of dollar stablecoins, aiming to promote innovation alongside financial stability. Meanwhile, the gradual clarification of regulations also helps to encourage more traditional financial institutions to participate in the digital asset ecosystem.
In Europe, the European Union has accelerated the push for a digital euro and has begun considering the adoption of public blockchains (such as Ethereum or Solana) as a technological foundation to enhance the euro's competitiveness and sovereignty in the global financial system. This shift towards public blockchain platforms reflects regulators' increasing demand for openness and transparency in underlying technologies, while also demonstrating the central bank's determination to transition from conceptual testing to practical implementation of digital currencies.
Recently, Goldman Sachs, in collaboration with BNY Mellon, launched a blockchain-based tokenized money market fund product, converting traditional fund shares into digital tokens for trading and settlement. This initiative signifies the entry of blockchain technology into mainstream financial infrastructure, showcasing significant value in enhancing liquidity, accelerating settlement, and improving asset utilization efficiency. Several well-known asset management firms (such as BlackRock and Fidelity) are also involved, highlighting traditional finance's attention and expectations for such products.
Additionally, SoFi announced that it will launch a blockchain-based cross-border remittance service in its app later in 2025. Users will be able to convert dollars into Bitcoin for quick transfers and instantly convert back to local currency on the receiving end. This application demonstrates the practical application of blockchain in the financial industry—enhancing cross-border payment efficiency, reducing costs, and increasing coverage, particularly significant for the Mexican primary market.
On the technical front, new underlying architectures represented by BlockDAG are emerging. The BlockDAG project recently completed a presale of up to $383 million (64% of its $600 million target), indicating market recognition of its hybrid DAG-PoW architecture. This architecture aims to break through the scalability and efficiency bottlenecks of traditional chains, replacing traditional blockchain with a "non-chain" (DAG) structure to improve throughput and reduce network congestion. Backed by a large mining community and capital support, BlockDAG is expected to become the next mainstream infrastructure direction.
Meanwhile, multiple trend reports for 2025 indicate that blockchain technology is extending into industries such as supply chain, green energy, and agricultural technology, becoming an important support for trustworthy and transparent digital systems. These applications showcase the evolution of blockchain from being "exclusive to cryptocurrencies" to "cross-industry empowerment."
The UK presents a different picture. Commentators point out that the UK is making slow progress in stablecoin regulation, currently still in the consultation phase, while its competitors such as Singapore, Abu Dhabi, and Japan have successively established relevant regulations. If the UK does not proactively adjust its regulatory strategy, it may miss the opportunity to attract investment and innovation, losing the initiative in the future development of financial technology.
In contrast, the United States is responding quickly in policy, advancing regulation and innovation in parallel, gaining market initiative; the EU has taken an important step in technology selection, actively exploring innovative paths for CBDCs. The differences in regulatory rhythms between different regions will have a profound impact on the global development landscape of blockchain technology.
By 2025, blockchain technology is showing multiple trajectories of advancement: first, regulations are gradually clarifying, aiding the legalization process of stablecoins and CBDCs; second, traditional finance is beginning to leverage blockchain to enhance infrastructure efficiency; third, innovations in underlying technologies are emerging, opening new directions for public chain expansion; fourth, the differentiation of regulatory strategies across regions will shape the global competitive landscape.
Related: The Metaplanet board approved a plan to raise $1.2 billion, designating $835 million for the purchase of Bitcoin (BTC).
Original article: “Blockchain Technology Innovation Advances, Central Bank Digital Currencies and Traditional Finance Begin Integration”
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