Opinion by: Zurab Ashvil, founder and CEO of T3RRA
When people talk about crypto and decentralized technology, there’s an underlying assumption that what’s really being discussed is the replacement of traditional finance.
Memecoins and speculative surges may dominate new cycles, but actual value is more likely to be found in building bridges.
It’s found in reports of crypto firms launching traditional investment products, the increasing tokenization of real-world assets and a general shift from hype-driven launches to building robust foundations, such as programmable finance, regulatory clarity and real-world utility.
This is not a collision between two conflicting entities but a convergence that lays the groundwork for a more open, efficient and resilient global financial system.
Bridging the gap between TradFi and DeFi
The desire is there: Institutional capital is not anti-innovation but needs to lower counterparty risk and embed programmable governance. In this instance, regulatory clarity is the critical enabler.
In the United States, the approval of spot Bitcoin ETPs and the introduction of the GENIUS and STABLE Acts have provided the framework for banks and institutions to engage with digital assets confidently. States like Texas and Wyoming are advancing their digital asset initiatives, while on the other side of the Atlantic, Europe’s MiCA regulation has introduced market rules for crypto assets.
This regulatory momentum unlocks capital, reduces risk and fosters innovation that can withstand scrutiny. Yet there is an argument that this shift toward institutionalization and regulation betrays crypto’s original ethos of decentralization and freedom.
That overlooks the reality of finance.
For innovation to become mainstream, there must be a balance between tradition and disruption. No matter what the service or product you are trying to develop, your audience will remain small if you cannot deliver the same levels of trust, security and scale that established institutions offer.
This isn’t about abandoning crypto’s disruptive instincts. It’s about leaning into its strengths. Blockchain offers transparency, programmability and speed, which can be harnessed to broaden access, unlock new sources of capital and improve experiences while delivering the levels of trust and scale previously only found in established finance.
This does mean that crypto projects have to meet new standards — transparent onchain records, automated compliance, and…
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