At this year's Money20/20 USA, we connected with Scarlett Sieber — Chief Strategy and Growth Officer at Money20/20 — who broke down the key forces driving the next era of financial innovation.

Crypto cooled this week, but conviction soared — with Vitalik calling for TradFi on Ethereum, BitMine buying $300M+ ETH, Arthur Hayes doubling down on $1M BTC, and Coinbase’s Brian Armstrong saying U.S. crypto legislation is nearly here.

Xapo Bank’s Q3 report shows Bitcoin investors moving from speculation to strategy. Trading volumes fell ~30% while USD deposits jumped 66%. Africa (+83%) and Asia Pacific (+74%) led growth, and 60% of Bitcoin-backed loans now span six months or more.

XION, the Layer-1 blockchain built for mainstream adoption, has announced its evolution into a verification infrastructure company, stepping beyond crypto and into one of the world’s most urgent challenges — proving what’s real on the internet.

Crypto-treasury stocks face a harsh reality check as JPMorgan embraces Bitcoin-backed lending, stablecoin payments surge 70%, and Trump’s CFTC nomination signals a new U.S. regulatory era.

a16z’s State of Crypto 2025 marks the year crypto “grew up”—a $4T market, 700M users, and full-scale institutional adoption. From stablecoins surpassing Visa to AI and DeFi convergence, the world is officially coming onchain.