Spire is a platform designed to integrate digital assets into mainstream financial discourse, offering robust infrastructure and compatibility with decentralized technologies. Its architecture is globally distributed for low latency, high uptime, and fault tolerance, supporting sub-second trade execution. Spire’s unified wallet interface with multi-chain compatibility enables cross-network asset transfers without third-party applications, streamlining asset management and reducing operational complexity. The platform accommodates diverse user needs in a unified environment. Tools Supporting the Full Asset Lifecycle Spire offers a consolidated interface for a range of asset-related activities: Trading Suite: Access to spot and margin markets across multiple digital assets Portfolio Analytics: Tools for tracking performance, analyzing positions, and reviewing trade history Earning Functions: Includes staking options and fixed-term savings features integrated within the platform environment. Users can allocate assets, monitor performance, and implement earning strategies without switching platforms or tools. Embedded Web3 Access: Spire incorporates access to decentralized applications within its centralized interface. Features include: Cross-Chain Swaps: Enables token movement across supported blockchains without exiting the platform DeFi Vaults: Curated strategies designed to provide exposure to decentralized yield mechanisms with built-in risk parameters. These integrations lower technical barriers and offer streamlined access to blockchain-based finance.
Fintech Due’s API integrates local payment rails, liquidity markets, and blockchain networks into a single endpoint and offers mid-market FX rates, saving businesses up to 90% compared to traditional wires by routing transactions through stablecoin and on-chain rails
London-based fintech startup Due has launched its Stablecoin Payments API, aiming to revolutionize cross-border payments by leveraging blockchain technology and stablecoins. The API integrates local payment rails, liquidity markets, and blockchain networks into a single endpoint, allowing businesses to send, receive, and settle payments in over 80 countries. Due’s API simplifies global treasury operations, slashing fees by up to 80% compared to traditional banking systems. Transactions settle in seconds, slashing fees by up to 80%. The $7.3 million seed extension, led by Speedinvest and supported by investors like Semantic, Fabric Ventures, Strobe Ventures, and Polymorphic Capital, will fuel Due’s aggressive expansion plans, including scaling its API infrastructure to cover over 100 countries by year-end and developing additional payment solutions. Due’s focus on underserved markets positions it to democratize access to global liquidity.
OroBit’s blockchain protocol built on Bitcoin, securely automates tokenization, ownership management, and compliance processes, providing the infrastructure for institutional-grade adoption of tokenized RWAs
The GENIUS Act, passed in the US, is paving the way for the mainstream adoption of real-world asset tokenization, which is expected to surpass $16 trillion this decade. Fintech pioneer Thomas Carter’s Deal Box and blockchain infrastructure innovator OroBit are at the forefront of this financial evolution, as they are prepared to harness the converging opportunities. The Act provides explicit regulatory guidelines for stablecoins and digital assets, clarifying critical elements such as reserve requirements, monthly audits, AML compliance, and dual federal and state licensing oversight. This regulatory clarity aligns with growing institutional interest in cryptocurrency markets, driven by recent Bitcoin ETF approvals and increased investment from banks and asset managers. The unified ecosystem they have crafted, powered by an enterprise-grade AI platform, is redefining how private equity, real estate, and other high-value assets are owned, traded, and managed globally.
Coinbase’s SDK offers built-in features like crypto onramps, token swaps and a 4.1% annual return on USDC balances to let developers integrate self-custodial wallets into their Web3 apps and enables onboarding through email, SMS or OAuth
Coinbase has introduced a tool in its Coinbase Developer Platform (CDP) designed to let developers integrate self-custodial wallets into their apps without any hiccups. The Embedded Wallets software developer kit (SDK) includes built-in features like crypto onramps, token swaps and a 4.1% annual return on USDC balances, aiming to eliminate the tradeoff between user experience and custody risk. Unlike traditional wallet integrations that require browser extensions or seed phrases, CDP Embedded Wallets enables onboarding through email, SMS or OAuth. Users will be able to begin transacting right away, while developers retain full control over the front-end experience, without touching custody or managing complex compliance requirements. Coinbase said the SDK will be the “everything wallet” for Web3 builders, offering a good user experience with enterprise-grade infrastructure. It runs on the same systems that power Coinbase DEX, offering secured key management, recovery services and future support for smart contract accounts. With use cases spanning decentralized finance (DeFi), gaming, fintech and creator platforms, the Embedded Wallets SDK reflects a growing demand for crypto to become more accessible.
Coinbase’s tool to enable developers to create scalable, secure, and user-friendly crypto wallets and integrate them within their apps in under 200 milliseconds; offers compatibility across active blockchain ecosystems and 4.1% annual reward on idle USDC
Coinbase is introducing CDP Embedded Wallets, a new infrastructure tool designed to make it easier for developers to create scalable, secure, and user-friendly crypto wallets within their applications. These wallets can be integrated into apps in under 200 milliseconds and are built to support Ethereum-compatible chains and Solana, offering compatibility across active blockchain ecosystems. Coinbase also offers a passive income opportunity for wallet users, with any idle USD Coin (USDC) held in these wallets automatically earning a 4.1% annual reward. The wallets are Web2-style accessible, allowing users to log in using familiar methods like email, SMS, or OAuth. They are fully non-custodial, ensuring users maintain control of their funds. Developers can access a unified API for essential blockchain actions and set custom security policies for wallet usage. The new product is expected to be widely adopted in fintech platforms, decentralized finance protocols, B2B payment systems, and blockchain-based games. Coinbase is offering a promotional incentive for Onramp customers during its beta phase, offering zero fees through September 30, 2025. This move aims to bridge the gap between Web2 usability and Web3 decentralization, potentially boosting developer activity and end-user engagement.
Bitget’s conversion payout feature allows users to instantly convert crypto assets such as Bitcoin and Ethereum into over 140 fiat currencies and deposit the funds directly to their Visa or Mastercard in real-time
Bitget has officially released conversion payout feature that allows users to instantly convert crypto assets such as Bitcoin (BTC) and Ethereum (ETH) into fiat and deposit the funds directly to their Visa or Mastercard. This rollout significantly reduces the time and complexity typically associated with off-ramping, offering a faster and more secure alternative to bank transfers and peer-to-peer transactions. Supporting over 140 fiat currencies including USD, EUR, GBP, CAD, AUD, and JPY, the feature provides worldwide access. Bitget’s card-based payout removes intermediary delays, enabling real-time deposits. It also eliminates third-party risks often associated with P2P platforms, improving both transaction speed and success rates. With the advancement of existing credit and debit card channels, the feature offers a streamlined off-ramp process. Users can access the service directly from Bitget’s “Buy & Sell Crypto” page by selecting the ‘Sell Crypto’ option, choosing their card, and receiving fiat instantly without the usual waiting period or bottlenecks tied to banking networks. The payout feature shows Bitget’s focus on building efficient, real-world bridges between crypto and traditional finance. The upgraded feature allows users to quickly liquidate digital assets and access fiat with minimal friction, expanding crypto’s utility for global everyday transactions.
With deposit token debut by J.P. Morgan, the banks is starting to build blockchain infrastructure from the ground up, and not in the walled gardens of private chains, but in public, composable environments where crypto lives
J.P. Morgan’s playbook for adopting emerging technology is starting to show a familiar pattern. The bank approached AI and generative AI with a methodical process, starting with research and use-case design, securing regulatory alignment, building internal tools, and upskilling its internal teams. It has also taken a similar approach with blockchain, beginning with the 2019 rollout of its JPM Coin. In June this year, J.P. Morgan launched a USD J.P. Morgan Deposit Token (JPMD) proof-of-concept (PoC) on Base, a public blockchain built by Coinbase. Kinexys by J.P. Morgan is the bank’s blockchain business unit, focused on bringing institutional finance on-chain. JPMD is an alternative to stablecoins for cash settlement and payments use cases for the bank’s institutional clients. While there’s still time for it to be ready for primetime, it’s a preview of where institutional finance could be heading. On paper, it’s a contained proof of concept: a token designed for institutional applications like cross-border settlements, real-time liquidity access, and blockchain-based treasury management. But beneath the surface, it suggests that traditional FIs like J.P. Morgan (JPM) are starting to build blockchain infrastructure from the ground up. And not in the walled gardens of private chains, but in public, composable environments where crypto lives. Even if the use cases are still gestating, the move invites a closer look; what problems JPM thinks it’s solving, why now, and how this could reshape the pipes of business-to-business money movement in the long run.
JP Morgan, HQLAᵡ, Ownera launch multi DLT repo solution involving collateral on the HQLAX platform
JP Morgan’s blockchain-based bank accounts – Kinexys Digital Payments – can now be used to settle intraday repo transactions involving collateral on the HQLAX platform. While each DLT solution has been in production for years, the integration was enabled by Ownera, which routes transactions between separate DLTs using its FinP2P offering. So far transactions have been up to $1 billion a day, with $5 billion in the first month. This involved an integration with the existing intraday repo solution from JP Morgan, Kinexys Digital Financing. HQLAX provides a DLT solution for collateral mobility. It takes collateral that is held at a custodian – such as government bonds – locks it and issues a digital collateral receipt, which technically is not a token. This enables the almost instant transfer of collateral without having to move assets between custodians, which takes days. However, until recently it mainly dealt with collateral swaps as it lacked a real time cash solution. Of course, one of the biggest demands for collateral is to use it for repo purposes.
BYDFi’s virtual card allows users to spend Web3 assets directly in everyday transactions by integrating wallet, trading, and payment features into one platform, enabling seamless interaction with traditional financial systems
BYDFi has launched the BYDFi Card, a virtual card that allows users to spend Web3 assets directly in everyday transactions. The card operates on the Visa network and supports global use both online and offline. It integrates wallet, trading, and payment features into one platform, streamlining the process of managing digital assets and enabling seamless interaction with traditional financial systems. Users can link the card to digital wallets like Apple Pay and Google Pay, enhancing its flexibility for real-world use. The card also allows users to set spending limits, track transaction history, and complete KYC verification directly through the app. Incentives for early adopters include a welcome package worth $88, 15% spending rebates, and a $10,000 trading competition. The launch reflects a growing trend of crypto platforms integrating digital assets into mainstream finance, addressing the need for tools that enhance the usability of Web3 assets. BYDFi’s virtual card is expected to contribute to the continued expansion of the crypto market by enhancing the versatility and accessibility of digital assets.
EBA Europe’s crypto legislation explicitly treats any exposure to “tokenised traditional assets” the same as exposure to traditional assets, with no qualifications and without additional capital requirement
The European Banking Authority (EBA) this week published final technical standards that largely follow guidance from the Basel Committee on Banking Supervision (BCBS) and mainly apply to cryptocurrencies. The underlying EU legislation overrides this conservative approach for tokenized traditional assets. This legislative framework explicitly treats any exposure to “tokenised traditional assets” the same as exposure to traditional assets, with no qualifications. The contrast with other jurisdictions is stark. While EU banks can treat tokenized securities on any blockchain type without additional capital requirements, banks following Basel Committee directions face the maximum 1250% risk weighting for similar exposures on permissionless networks. The treatment of stablecoins presents an even more intriguing regulatory divergence. This regulatory split positions Europe as uniquely favorable for institutional tokenization efforts, potentially accelerating the digitization of traditional financial instruments and establishing the region as a global tokenization hub.