Teroxx - The Digital Asset Boutique

Personal finance and fintech company SoFi has secured up to $5 billion of funding, which will service new personal loans on its finance app. The news is the latest milestone in an increasing shift in the finance landscape, as consumers switch from using traditional banks to fintech lenders. Borrowers are favoring faster approvals, streamlined application processes and flexible credit options - all key characteristics of fintech platforms. SoFi (Social Finance), founded in 2011, is a US-based fintech company that initially focused on student loan refinancing. By 2024, it had grown to vastly expand its services and had over 10.1 million customers. With its impressive growth, SoFi is being viewed as a potential might become one of the future top- 10 banks in the U.S. by deposits. How do you feel about the increasing role fintech companies are playing in the personal finance space? Let us know in the comments and tell us your thoughts 👇 #DigitalAssets #AssetBoutique #AssetProtection #EntrepreneurMindset #FollowTeroxx #FinTech

Consolidating markets provide slight easing! We review the latest market movements in our Weekly Update… As global financial markets and digital assets slowly approach “rational”, healthy price levels again, excessive emotionality has been pushed out of the market. This could lead to support levels and cyclical strength on a medium-term basis, but for the short term further uncertain weeks could lie ahead. 📈 Bitcoin price trajectory: Markus Thielen, chief crypto analyst at 10x Research, believes it’s possible that Bitcoin’s price could follow a similar trajectory this year as it did in 2024. The market-leading cryptocurrency remained in a sideways trend for the rest of the year after an initial record high of $73,679 in March 2024, before moving sideways within a price range of $20k and only coming to an end with the election of Donald Trump as president. 🐂🔄 Market bull cycle: The current correction on the crypto market is only the middle of the bull cycle, not the peak. The steadily growing supply of stablecoins shows this, and analysts believe this could be a signal for further investment. The cumulative stablecoin supply has recently surpassed the $219 billion mark - an indication the current cycle is still far from its peak. Find more detailed analysis in our Weekly Market Update - check the comments for more 👇 #WeeklyMarket #GlobalMarketIndices #Update #FinancialMarkets #FollowTeroxx

The Markets in Crypto-Assets (MiCA) regulation has already had a significant impact on the crypto market in Europe since its full roll-out in December 2024. But how, and why, has its impact been felt? 🚨 Regulation Clarity and Harmonization: The challenge of fragmented, sometimes under-developed frameworks across the EU has been addressed by MiCA with a unified regulatory infrastructure across all 27 member states. This has brought greater certainty to the regulation of digital assets, allowing investors and businesses to develop. 💡 Growth and Innovation: With this clarity around regulatory frameworks in place, MiCA has by extension stimulated innovation. Companies can now innovate within a clear set of rules and without the fear of contravening ambiguous regulations. 🔐 Market Integrity and Consumer Protection: A fundamental of MiCA, enhanced security via strict disclosure requirements and anti-market abuse measures have been driving forces in the framework’s implementation. With greater transparency, one of the hoped-for benefits of MiCA is increased confidence in the crypto market. ✅ Compliance and Operational Impact: With MiCA now providing a unified licensing regime for Crypto-Asset Service Providers (CASPs) across the entire EU, a baseline of quality and reliability has been established. Despite this, there have still been some significant challenges for companies in implementing the new regulations. For those entities that are licensed, operation throughout the EU without additional approvals is facilitating cross-border operations. The descriptions provided above are all based on publicly available information, and cannot be considered as financial advice or encouragement to invest. Sources of information used in this post include Investopedia, KPMG, Deloitte and Bundesbank. Arrange a call with one of our in-house customer relationship managers to get personalized support and start your journey. See the link in the comments for more. #CryptoRegulation #MiCA #CryptoAssets #BlockchainLaw #DigitalAssets #Fintech #Teroxx

Today we’re curious to hear your perspective. Blockchain technology continues to influence and reshape the future of finance. Traditional finance institutions are becoming more aware of its potential, as they adopt various methods to integrate Blockchain. We’re intrigued to know which area you believe has the greatest potential for Blockchain integration? Let us know your view by voting below and sharing your thoughts in the comments!

How does Europe’s Markets in Crypto-Assets (MiCA) regulation stand out against other global jurisdiction frameworks? Key features of MiCA include its harmonized framework (it is directly applicable across all European Union member states), its scope across a range of digital and crypto assets not covered by existing EU financial regulations, and a heavy focus on consumer protection. MiCA places great emphasis on anti-market abuse measures, disclosure requirements and segregation of customer assets in a comprehensive approach. Looking at other jurisdictions, it quickly becomes apparent where the key differences lie. 🇺🇸 U.S: A focus on whether crypto assets qualify as securities has led to a lengthy process, with the Securities and Exchange Commission’s Crypto Task Force set to hold a publicly-viewed series of roundtables on key areas of crypto regulation later this month. Therein lies the detail: there is still a way to go with regulation in the U.S, which has a fragmented framework across agencies. 🇬🇧 U.K: A phased approach with stablecoins addressed first and broader crypto assets later is in process. A full publication of all policy statements, final rules and implementation is not expected until 2026. 🇸🇬 Singapore: Anti-money laundering and consumer protection are emphasized, but Singapore’s Monetary Authority regulations are less comprehensive than MiCA. 🇯🇵 Japan: Crypto assets are regulated under the Payment Services Act, which has rigid licensing laws for exchanges. Japan’s framework is stricter than MiCA in this area, but less comprehensive for wider crypto assets. The descriptions provided above are all based on publicly available information, and cannot be considered as financial advice or encouragement to invest. Sources of information used in this post include Investopedia, KPMG and PwC. Arrange a call with one of our in-house customer relationship managers to get personalized support and start your journey. See the link in the comments for more. #CryptoRegulation #MiCA #EURegulation #CryptoLaw #DigitalAssets #BlockchainPolicy #Teroxx

The latest market movements are reviewed in our Weekly Update… 📉 Trump causing market unrest: The U.S. president’s recent actions, combined with factors such as geopolitical uncertainties and exaggerated expectations for the global financial markets - including digital assets - are currently leading to cyclical weakness. Investments are being held back by institutional investors, causing prices to fall slightly, but the medium-term fundamental trend remains very positive. Increased buying volumes will then also subsequently boost prices again. 🏦 U.S. strategic reserve for cryptocurrencies: Trump signed an executive order in the past week to create the reserve, a move aimed at positioning the U.S. as a leading nation in the crypto sector and to compete with China in this area in particular. The reserve is to consist of cryptocurrencies that have come into the possession of the U.S. through confiscation via federal criminal proceedings, meaning additional BTC on the market will not be bought and deposited. This detail caused the Bitcoin price to plummet by over 8% - a reaction that, according to many analysts, revealed unrealistic expectations from the industry and public. The reserve’s strategy will include a cost-neutral approach to acquire more coins, which includes adding more BTC through the aforementioned seizure of cryptocurrencies and the possible conversion of other reserves. ⛔ A chastening week for digital assets: On the whole the digital asset market experienced setbacks last week, confirming once again the cyclical weakness of the market. Bitcoin now ranks just above half the support level of ~$80,000, underpinning the currently prevailing correction phase, with altcoins also suffering price setbacks. Find more detailed analysis in our Weekly Market Update - check the comments for more 👇 #WeeklyMarket #GlobalMarketIndices #Update #FinancialMarkets #FollowTeroxx

🚀 Join Teroxx – The Digital Asset Boutique! 🚀 We're expanding in Lithuania and looking for an AML DD/KYC Specialist to ensure compliance, enhance security, and safeguard our customer onboarding process. If you're passionate about AML, risk assessment, and regulatory compliance in the digital asset space, apply now! 🌍🔍 #AML #KYC #Compliance #Hiring #Lithuania #DigitalAssets #Teroxx

Cryptocurrency has made enormous gains in its wider acceptance across the more mainstream finance landscape in recent years. While there remains hesitance from some who are accustomed to traditional assets, diversification into crypto from more conventional investors is gaining traction. Here, we look at some of the reasons why. 📊 Diversification: It’s one of the investment fundamentals. Now, crypto is offering another way for investors to vary their portfolio and get wider exposure to more, newer and exciting assets. As with all investments there is risk, especially given the crypto market’s volatility, but a well-balanced portfolio with an assignment to crypto can help build an attractive risk-return profile. 📈 Growth Potential: Cryptocurrencies are highly attractive and extremely compelling for the growth they can experience. The potential for significant returns is a possible head-turner for investors accustomed to more reserved assets, with modest but less risky returns. Therein lies the trade off: crypto is often far more perilous, and the big gainers are far outnumbered by those which do not experience any - or negative - growth. 🌐 Accessibility and Flexibility: Some traditional assets lack both through long-term lock-ins and cumbersome processes. Crypto operates 24/7 with instant access, and has the ability for investors to react quickly to market movements and changes. 🏦 Inflation: Thanks to their limited supply cryptocurrencies - particularly Bitcoin - are often seen as a potential hedge against inflation, due to their resistance to dilution of value through inflation. The descriptions provided above are all based on publicly available information, and cannot be considered as financial advice or encouragement to invest. Sources of information used in this post include Investopedia and Forbes. Arrange a call with one of our in-house customer relationship managers to get personalized support and start your journey. See the link in the comments for more. #DigitalAssets #FinancialMarkets #InvestmentStrategy #Teroxx #CryptoInvesting #Cryptocurrencies

Innovation, development and progress. Crypto hasn’t stopped on any of these fronts, and continues to advance in 2025. Here are some of the new banking services built on crypto that are being predicted for this year. 🏛️ Crypto Custody Services: Analysts predict four of the world’s largest banks will start to offer crypto custody this year. Galaxy Research believes BNY Mellon, State Street, JPMorgan Chase and Citi will offer digital asset services. Combined, the four hold more than $12 trillion in assets under management. 🌐 Stablecoins as Global Payment Rail: Stablecoins have already shown their benefits while highlighting the weaknesses of traditional payment systems (speed, transparency and accessibility). They are now expected to rise further as a global payment method for individuals and surpass $8 trillion in volume this year. 🏦 Central Bank Digital Currencies Integration: The work on CBDCs will gain even more traction in 2025. The U.S. is exploring potential for a digital dollar, and the European Central Bank (ECB) continues with its retail digital euro project. Precise dates for launch and integration remain unclear, but significant progress will roll on in 2025 meaning banks will need to adapt their services for future integration. 🔐 Crypto-enabled 401(k) Plans: In the U.S. for example, the government’s Department of Labor is expected to relax guidance against crypto in retirement fund plans. This would be a significant step and help modify institutional approaches to how crypto can be securely integrated into investment and savings portfolios. The descriptions provided above are all based on publicly available information, and cannot be considered as financial advice or encouragement to invest. Sources of information used in this post include Deutsche Bank, Fintech Finance News and Brady Martz. Arrange a call with one of our in-house customer relationship managers to get personalized support and start your journey. See the link in the comments for more. #Crypto2025 #Blockchain #CryptoBanking #DigitalAssets #Stablecoins #Teroxx

The U.S. digital asset reserve, stablecoins and Coinbase’s SEC case are all subjects of interest in our latest Weekly Market Update. 🌐 American digital asset reserve fleshed out: Donald Trump’s statements that there will be a digital asset reserve may only be a renewal of his campaign statements. This time however there is more substance to the claims, with Ripple, Cardano and Solana named in addition to Bitcoin and Ethereum as assets to be held in the reserve. BTC and ETH should be “the centrepiece of the reserve” according to Trump, with his Sunday comments on social media resulting in price rises for the mentioned cryptocurrencies. 🏦 Bank of America stablecoin on the horizon? CEO Bryan Moynihan recently told an audience at the Economic Club of Washington DC that the commercial bank will likely launch a stablecoin if comprehensive legislation is passed in the United States. The bank could offer dollar-backed tokens pegged to customer deposit accounts, but Moynihan did not elaborate on potential products. Stablecoins are expected to flourish under Trump's administration, as sweeping regulations on dollar-pegged tokens are introduced to expand the U.S. dollar's dominance in international trade and land stablecoin companies. ⚖️ SEC case against Coinbase dropped: According to a court filing on 27 February, the U.S. Securities and Exchange Commission has agreed to voluntarily dismiss with prejudice all litigation related to Coinbase and Coinbase Global. This includes the withdrawal of its original June 2023 complaint and its motion for a preliminary injunction in the U.S. Court of Appeals. Find more detailed analysis in our Weekly Market Update - check the comments for more 👇 #WeeklyMarket #GlobalMarketIndices #Update #FinancialMarkets #FollowTeroxx