Stablecoin Institutionalization Approaching: Analysis of Cryptocurrency Market Regulation and Investment Prospects

Source: DigitalToday Original Title: [Blockchain Hot Issue] Stablecoin Institutionalization Imminent…“Bitcoin is True Currency” Original Link: https://www.digitaltoday.co.kr/news/articleView.html?idxno=610801

Stablecoin Institutionalization Approaching, Regulatory Authority Division Becomes Focus

Debate over the issuance of KRW stablecoins is intensifying. As political pressure mounts for the government to submit a proposal, relevant agencies such as the Financial Services Commission and the Central Bank are finalizing coordination on the authority over issuance, approval, and supervision.

The biggest controversy in stablecoin institutionalization lies in how to distribute authority for issuance, approval, and supervision. Although a “bank 51% shareholding consortium” model had been proposed, the Financial Services Commission has clarified this is groundless, while the Central Bank continues to emphasize the necessity of “central bank regulatory participation” from a stability perspective.

First Major Hacking Incident Since User Protection Law Implementation

The first large-scale hacking incident occurred after the implementation of the Digital Asset User Protection Act, and the market is highly focused on how strictly penalties will be enforced. The industry is watching whether this incident will become a precedent for safety incident penalties. The three regulatory areas—market manipulation, anti-money laundering, and security—have all become real risks for the crypto asset industry.

Possibility of Bitcoin Year-End Rally and Fed Interest Rate Variable

Investor expectations for a Bitcoin year-end rally are rising. In particular, comments on interest rates by Federal Reserve Chairman Jerome Powell will have a decisive impact on future market direction. Cryptocurrencies that have shown strong year-end performance include Bitcoin, Ethereum, BNB, Litecoin, and Monero. Bitcoin has mainly shown a strong upward trend, but has fallen sharply during downturns. In contrast, Monero maintains a steady upward trend, serving as a defensive asset at year-end.

Cardano community members predict ADA prices will rise 2,478% by 2026, surpassing $10. Despite underperformance in 2025, Cardano has significant growth potential through Midnight sidechain, Leios scalability upgrades, and other developments.

XRP Community Buzz and Price Outlook

Controversy over holding 10,000 XRP as a benchmark for success has reignited in the XRP community. However, as the XRP price rises to around $2.20, accumulating 10,000 XRP is becoming increasingly difficult. While possibilities for XRP to rise long-term to $100 have been suggested, real-world barriers are mounting.

TradeShip founder Cameron Scrubs has emphasized halting all crypto investments except for XRP. With the XRP spot ETF surpassing $900 million and Ripple expanding its position in the global crypto market, Ripple CEO Brad Garlinghouse stressed that XRP’s growth has only just begun.

XRP is showing a pattern similar to Ethereum in 2017, raising strong expectations. Analysts believe XRP is currently consolidating around the $3 level, with the potential for a significant rally similar to Ethereum.

Google Gemini predicts that with ETF introduction and global payment expansion, XRP’s value could surpass $1,000 by 2031. Market experts forecast the long-term upside potential for XRP, drawing increasing investor attention.

According to Michael Saylor’s ultra-bullish 2045 scenario for Bitcoin, XRP could also rise as high as $1,216 (around 1.8 million KRW). Given the recent high correlation between XRP and Bitcoin, there is a high possibility that the long-term upward trend will be reflected as is.

US CFTC Approves Spot Trading

The US Commodity Futures Trading Commission (CFTC) has officially approved spot trading for Bitcoin (BTC) and Ethereum (ETH), marking a new turning point for the crypto market. This decision accelerates the integration of the crypto market into institutional frameworks, with expectations for increased institutional investor inflow and liquidity.

Bitmain has expanded its market share to 3% by acquiring an additional $44.34 million worth of Ethereum. Large-scale buying could drive Ethereum prices higher, with investor attention focused. Tom Lee predicts Ethereum will reach $9,000 by January 2026.

Energy-Based Digital Currency Theory

Elon Musk emphasizes that energy is the real currency and that Bitcoin is an energy-based cryptocurrency. He argues that fiat money can be manipulated, but energy cannot, thereby asserting Bitcoin’s intrinsic value. On the other hand, some economists dispute this, warning of Bitcoin’s lack of value.

A Bitcoin wallet from the Satoshi Nakamoto era, dormant for 15 years, was awakened, transferring 50 BTC. Miners have sold 300,000 BTC over the past two years to cope with declining mining profitability. With Bitcoin prices falling and mining difficulty rising, miners are finding it increasingly hard to survive.

There is a viewpoint that the Bitcoin market may be breaking away from the traditional four-year cycle. Experts analyze that increased institutional investment and changes in global liquidity are the main factors. The market is watching to see if Bitcoin will enter a new cycle.