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Using Crypto Laws to Build a More Inclusive Financial System
Crypto Legislation: A Chance to Build an Inclusive Financial Future
Rethinking the Purpose of Financial Regulation
As the United States Congress debates new legislation for digital assets, including the CLARITY Act, it has a unique opportunity to redefine the purpose of financial regulation. Rather than prioritizing the interests of large banks and institutional investors, lawmakers can use these policies to empower everyday Americans. Modern financial legislation has the potential to support community banks, credit unions, and mission-driven financial institutions—entities that ensure people from all walks of life, especially young Americans, can access meaningful financial services.
For too long, the traditional banking system has created barriers for ordinary people. High fees, limited credit access, and inconsistent treatment across communities have left working families at a disadvantage. Fortunately, crypto and decentralized finance (DeFi) innovations are beginning to challenge these limitations, offering new pathways to economic inclusion and opportunity.
How Crypto Can Level the Playing Field
Digital assets are more than just a new form of money; they are a tool for expanding financial access. Payment-focused crypto solutions introduce competition to the backbone of financial infrastructure, lowering costs, increasing transparency, and giving consumers more choices without perpetuating the biases often embedded in legacy banking.
For millions of Americans, particularly younger generations, crypto offers a fresh way to earn, save, invest, and transfer money. A 2025 YouGov survey shows that 42% of Gen Z investors own cryptocurrency, compared with just 11% who have a retirement account. Among millennials, crypto ownership stands at 36%, slightly higher than retirement accounts at 34%. These numbers reflect a generational shift in how people approach wealth and financial security, and it is precisely this shift that lawmakers should embrace.
Traditional finance has increasingly prioritized large-scale institutions, leaving individual investors with fewer opportunities to grow wealth. Digital assets break down these barriers, enabling participation in financial systems that operate beyond conventional constraints. Congress now has the chance to ensure that innovation benefits the public rather than being shaped solely by the priorities of large financial institutions.
Lessons from the 2008 Financial Crisis
The story of Bitcoin (BTC) begins with the 2008 financial crisis—a time when the weaknesses of centralized banking were laid bare. Bitcoin was designed to reduce reliance on traditional intermediaries, promote transparency, and offer an alternative payment system governed by clear, verifiable rules.
Understanding this origin is essential for effective legislation. Crypto’s value lies in competition, resilience, and choice. While traditional financial systems rely on opacity, delays, and limited access to protect profitability, digital assets thrive by reducing friction, accelerating transactions, and increasing transparency.
Mission-driven financial institutions (MDFIs) like credit unions and community banks play a critical role in local economies. They provide relationship-driven lending, support small businesses, and sustain communities. Yet many Americans experience the financial system as slow, expensive, and inaccessible. Thoughtful crypto legislation can reinforce MDFIs’ ability to serve their communities while enabling them to adopt modern, digital-first solutions. By doing so, Congress can help expand access to financial services without creating burdens that only large banks can absorb.
Real-World Examples of Digital-First Financial Growth
Several institutions are already demonstrating how digital assets can expand inclusion. The United Nations Federal Credit Union has partnered with fintech providers to offer digital wallets, faster cross-border payments, and limited crypto access. These innovations have helped attract younger members and grow deposits without the need for additional branches.
Western Alliance Bank has achieved meaningful year-over-year deposit growth by maintaining measured exposure to crypto-related clients and fintech innovations. Meanwhile, Axos Bank has built credibility and sustainable growth by leveraging online-only banking and strategic fintech partnerships. Frankenmuth Credit Union has also embraced crypto, launching a portal that allows members to buy, sell, and manage digital assets directly within their banking platform.
These examples illustrate a critical point: financial inclusion is possible when innovation is paired with prudence. Digital tools can enhance performance, attract new participants, and support community-oriented banking without compromising risk management.
Building a Financial System That Works for Everyone
Congress has an unprecedented opportunity to modernize financial regulation in a way that truly serves the public interest. Issues like overdraft fees, predatory lending, and discriminatory loan denials have long burdened underserved communities. Thoughtful crypto legislation can address these challenges by promoting innovation rather than stifling it.
Supporting MDFIs, expanding access for young people and working families, and integrating digital assets into the broader financial system can foster a more inclusive and resilient economy. The choice facing policymakers is clear: either maintain a system that concentrates wealth among large shareholders or embrace legislation that broadens opportunity for all Americans.
By prioritizing inclusion and leveraging the transformative potential of crypto, Congress can lay the foundation for a financial system that is transparent, equitable, and designed to benefit the many rather than the few.
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2026-01-29 · 7 days ago0 065Galaxy to Launch $100M Crypto Hedge Fund Targeting Market Ups and Downs
Galaxy Prepares $100 Million Hedge Fund as Crypto Markets Enter a New Era
Galaxy Digital is stepping into a new phase of crypto investing with the planned launch of a $100 million hedge fund designed to profit from both rising and falling markets. As the era of uninterrupted upside in digital assets shows signs of fading, the firm is positioning itself to capitalize on volatility rather than momentum alone.
The fund, expected to debut in the first quarter of the year, reflects a broader shift in how institutional players approach crypto. Instead of relying on a bullish market cycle, Galaxy aims to deploy a flexible strategy that embraces uncertainty and structural change across both digital assets and traditional financial markets.
A Long-Short Strategy Built for Volatility
Unlike earlier crypto-focused funds that depended heavily on price appreciation, Galaxy’s new hedge fund will actively take long and short positions. This approach allows the fund to generate returns whether prices move higher or lower, a structure increasingly favored as markets mature and speculative excess cools.
Roughly thirty percent of the fund’s capital will be allocated directly to crypto tokens, while the remaining assets will be invested in publicly traded companies tied to financial infrastructure. These include firms influenced by digital asset regulation, blockchain integration, payments innovation, and data-driven financial services.
According to reports, Galaxy has already secured the full $100 million in commitments from family offices, high-net-worth individuals, and select institutional investors. The firm itself will also seed the fund, signaling internal confidence in the strategy, although the exact amount has not been disclosed.
The End of Crypto’s Up-Only Phase
Joe Armao, who will oversee the fund, believes the crypto market is transitioning into a more complex phase. He argues that the period where prices moved predominantly higher is likely coming to an end, replaced by an environment where selectivity, risk management, and active positioning matter far more.
Despite this shift, Galaxy remains optimistic about major blockchain networks. Ethereum and Solana continue to be viewed as structurally strong assets with long-term relevance, particularly as decentralized finance, tokenization, and onchain infrastructure evolve. Bitcoin also remains central to Galaxy’s outlook, especially in a macroeconomic setting where potential US Federal Reserve rate cuts could reshape investor appetite for alternative assets.
Armao has noted that Bitcoin’s role as a macro hedge could persist as long as traditional markets such as equities and gold maintain relative stability.
Watching Wall Street Alongside Web3
Galaxy’s strategy extends beyond crypto-native companies. The firm is closely monitoring traditional financial stocks that are being reshaped by regulation, blockchain adoption, and artificial intelligence. Recent sell-offs in payment processors and financial data companies have created opportunities that Galaxy believes are being misunderstood by the market.
Companies like Fiserv, which sit at the intersection of payments and data infrastructure, are experiencing valuation pressure as investors reassess their future roles in a digitized financial system. Galaxy sees these shifts not as risks, but as entry points for long-term positioning.
Market Pullbacks Create Strategic Openings
The launch of the fund comes amid a notable cooling in the crypto market. Bitcoin has fallen roughly thirty percent from its October peak and is currently trading near the $90,000 level. Over the past year, the asset is down approximately twelve percent, reflecting broader risk-off sentiment across digital markets.
Galaxy has historically used such pullbacks to build positions. In September, the firm purchased more than $300 million worth of Solana, extending a broader accumulation strategy that has exceeded $1.5 billion across multiple assets.
These moves suggest Galaxy is less concerned with short-term price action and more focused on structural adoption and long-term value creation.
Expanding Into Tokenized Credit Markets
Beyond hedge fund strategies, Galaxy continues to push into blockchain-based financial infrastructure. Recently, the firm completed its first tokenized collateralized loan obligation, marking a significant step toward bringing private credit markets onchain.
The deal, issued on the Avalanche blockchain, has already financed tens of millions of dollars in loans and supports Galaxy’s crypto lending operations. By using blockchain rails for issuance, custody, and real-time collateral tracking, Galaxy is positioning itself at the forefront of tokenized finance.
This expansion underscores a broader vision where crypto is not merely a speculative asset class, but a foundational layer for future financial systems.
A Strategic Shift, Not a Retreat
Galaxy’s $100 million hedge fund is not a signal of retreat from crypto, but rather an evolution in how the firm approaches the market. As volatility replaces one-directional growth, adaptability becomes the primary advantage.
By combining digital assets, traditional equities, and active risk management, Galaxy is betting that the next phase of crypto will reward strategy over speculation. In a market no longer defined by up only, the ability to profit in both directions may prove to be the most valuable asset of all.
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2026-01-26 · 10 days ago0 065Why rndcoin Is Often Mentioned in the Korean Crypto Space
Regional Relevance
Crypto adoption varies by region, and rndcoin is often linked to Korean-language discussions around blockchain education. Localized content helps users understand global technologies within a familiar context.
Education and Community
Instead of emphasizing trading, rndcoin is commonly referenced in conversations about learning and sharing information. This community-driven focus supports wider adoption by making crypto concepts easier to understand. To understand what rndcoin is at a foundational level, you can read What Is rndcoin and Why Are People Talking About It?, which explains the origin and purpose of the concept.
Connecting Learning to Adoption
The regional aspect also matters because strong local communities influence broader market trends. Education-focused platforms like those associated with rndcoin shape how people perceive crypto beyond speculation. For more detail on how rndcoin supports beginner learning, see How rndcoin Is Used for Learning Crypto Basics, which shows the practical educational applications of the concept.
2026-01-09 · a month ago0 065
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