Bitcoin Targets $95K as US Stablecoin Law Endangers; Tokenization Advances with Major Players

Crypto market pays close attention to the Fed and regulation, while trends such as AI-powered hyper-personalization and digital wallets transform banking. The dynamic world of digital finance and cryptocurrencies presents a mixed picture at the beginning of May. While Bitcoin (BTC) is showing strength, seeking key levels, and asset tokenization is gaining momentum with the entry of financial giants, regulatory uncertainty persists, especially surrounding stablecoin legislation in the United States. Meanwhile, traditional banking is accelerating its digital transformation, driven by AI and the popularity of wallets.

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Bitcoin Price: The leading cryptocurrency is trading with its sights set on retesting the $95,000 USD mark. Investors are preparing for potential volatility linked to upcoming Federal Reserve (Fed) announcements on interest rate cuts, which could influence appetite for risky assets like BTC. Some technical and macroeconomic analyses even suggest the possibility of a new all-time high (ATH) in the next 100 days, although futures traders are

are more cautious about reaching $100,000 USD in the short term.

Stablecoin Legislation in Danger: A major bill to regulate stablecoins in the United States is now facing serious difficulties. A group of nine Democratic senators, previously considered pro-crypto, have withdrawn their support for the current text, threatening its chances of passage in Congress.

The setback underscores the complexity and politicization of the crypto regulatory debate in the U.S.

Cryptocurrencies in the spotlight: SEC closes PayPal USD investigation as $LIBRA scandal rocks Argentina

Rise of Tokenization: The concept of representing real-world assets (such as real estate, bonds, or art) in digital form on the blockchain (tokenization) is having a “big moment.” Recent multi-billion-dollar moves by institutional players such as BlackRock, Libre, and MultiBank indicate that tokenization is moving from theory to practical implementation.

transformative potential for financial markets.

Regulation and Global Adoption: The regulatory landscape remains diverse. While Binance partners with Kyrgyzstan to roll out crypto payments and Apple relaxes its rules for crypto apps on its App Store (allowing out-of-app purchases, deemed “very bullish”) , obstacles are emerging elsewhere. Arizona’s governor vetoed a pro-Bitcoin bill, drawing criticism , and Kuwait is intensifying its crackdown on cryptocurrency miners due to high

electricity consumption.

Mining and Business: Institutional investment remains a driving force for Bitcoin mining in the US. In corporate news, legendary investor Warren Buffett announced that he will step down as CEO of Berkshire Hathaway at the end of the year, although he will remain as chairman. Digital Banking Transformation in 2025 Traditional banking is not far behind and is accelerating its digitalization with two trends

key for 2025:

Banks are increasingly using Artificial Intelligence (AI) and Machine Learning (ML) to analyze large volumes of transaction data. The goal is to offer highly personalized and proactive financial and product recommendations in real time. Technologies such as Customer Data Platforms (CDPs) and transaction data enhancements (e.g., Tapix) are critical to unifying information and predicting future customer needs, improving engagement and generating new revenue. More than 60% of banking executives expect to implement their

first generative AI solution in 1-2 years.

Expansion of Digital Wallets (e-wallets): The use of digital wallets such as Apple Pay, Google Pay, Alipay, and M-Pesa continues to grow exponentially. The global value of transactions via e-wallets is expected to reach $16 trillion by 2028 (almost 60% of projected global retail sales). These wallets are becoming all-in-one financial hubs by incorporating features like Buy Now, Pay Later (BNPL) and even cryptocurrency management, in addition to driving financial inclusion. (Quote Block: “Tokenization is gaining real momentum as BlackRock, Libre and MultiBank make multi-billion-dollar moves, signaling the shift from theory to execution.” – Amin Haqshanas, Cointelegraph) The financial sector is at a fascinating crossroads, where crypto innovation (Bitcoin, stablecoins, tokenization) coexists and sometimes competes with the accelerating digital transformation of traditional banking (AI, e-wallets), all under the

watchful eye of global regulators.