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  • đź’ˇCrypto on the Move: Regulation, Big Money & Africa’s Rising Power

💡Crypto on the Move: Regulation, Big Money & Africa’s Rising Power

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The crypto world has been buzzing with big moves on regulation, investments, and adoption. Here’s a breakdown of the latest happenings across global markets and Africa.

🌍 Global Market & Regulation

1. UK mulls stablecoin caps
The Bank of England is weighing limits on “systemic” stablecoin holdings — individuals capped at around £10k–£20k, and businesses at £10m. Critics warn this could stifle innovation and reduce the UK’s global competitiveness.

2. Tether unveils new U.S. stablecoin
Tether is preparing to launch USAT, a dollar-backed stablecoin built specifically for U.S. residents and compliant with the freshly passed GENIUS Act.

3. Gemini makes Wall Street debut
The Winklevoss-founded exchange raised $425 million in its IPO, pricing shares at $28 — higher than projected. Demand signals growing institutional appetite for regulated crypto plays.

4. SEC softens enforcement stance
Under Chairman Paul Atkins, the U.S. SEC is shifting toward giving firms notice of “technical violations” before enforcement. This signals a friendlier environment, especially for tokenized securities.

5. London Stock Exchange goes blockchain
LSEG completed its first fully blockchain-driven fundraising — covering issuance, trading, and settlement — for a reinsurance asset manager. This move positions blockchain as a backbone for modern capital markets, not just crypto.

đź’ˇ Projects, Investments & Altcoins

1. Ripple drops $200M on stablecoin infra
Ripple acquired Rail, a stablecoin infrastructure company, for about $200 million, doubling down on its stablecoin ambitions.

2. Worldcoin heats up again
Eightco is moving to acquire Worldcoin and add it to its treasury — driving renewed hype around the project, and sparking more debates about biometric ID in crypto.

3. Institutions lean heavier into Bitcoin
Conservative capital managers are adding BTC to portfolios as a “digital gold” hedge, pointing to a maturing narrative beyond speculation.

🌍 Africa & Nigeria

1. Nigeria dominates African crypto flows
With $92.1 billion in on-chain transactions (July 2024–June 2025), Nigeria leads Sub-Saharan Africa by far. Inflation, naira weakness, and USD restrictions are fueling demand.

2. Luno launches tokenized U.S. stocks
Nigerian users can now access 61 U.S. stocks and ETFs via Luno’s tokenized products — bypassing forex bottlenecks and overseas brokerage hurdles.

3. South Africa’s Altvest bets big on BTC
Altvest Capital is raising $210 million to build a Bitcoin treasury for its investors, underscoring institutional confidence in crypto assets.

4. Everyday crypto on the rise
Sub-Saharan Africa shows strong growth in retail transfers under $10k, proving adoption is grassroots, not just institutional.

đź§ľ Explainer of the Week: What Are Stablecoins, and Why Are Regulators So Worried?

Stablecoins are cryptocurrencies designed to maintain a steady value — usually pegged 1:1 to fiat currencies like the U.S. dollar or British pound. Unlike Bitcoin, which can swing wildly in price, stablecoins aim to be… well, stable. They’re often used for quick payments, cross-border transfers, and as a safe harbor during market volatility.

So why the fuss?

  • Systemic risk: If too many people or companies rely on one stablecoin and it collapses, it could ripple through the financial system.

  • Money movement control: Governments want to prevent stablecoins from bypassing banking rules, tax systems, and capital controls.

  • Competition with national currencies: If stablecoins become too popular, they could weaken a country’s control over its own money.

That’s why regulators like the Bank of England are proposing ownership limits — to keep them useful, but not too powerful.

Takeaway: Stablecoins sit at the crossroads of crypto freedom and government oversight. The more they grow, the tighter the spotlight will get.