Every year, both bullish and bearish investors use short-term experiments to predict either crypto collapse or explosive growth, yet neither of these forecasts often materializes.

Key Events in 2024

A recap of significant developments this year includes the Ethereum Dencun Upgrade, the U.S. elections, notable crypto ETFs, Wyoming's DUNA, the wBTC controversy, Robinhood's Wells notice, Hyperliquid’s billion-dollar airdrop, and Bitcoin reaching $100,000.

Market Overview

The year 2024 saw stability without significant market shocks. While it failed to draw in massive new investments, it demonstrated a sustainable growth trend among existing crypto firms. Bitcoin surpassed a market cap of $1.9 trillion, with other cryptocurrencies valued at $1.6 trillion.

Predictions for 2025

Real-World Assets Growth

The prediction for 2025 is that Real-World Assets (RWAs), not including stablecoins, may account for 30% of on-chain Total Value Locked (TVL) by year-end, an increase from the current 15%.

Bitcoin-Fi

Anticipations for Bitcoin finance reaching significant adoption in 2025 target around 1% of Bitcoin's TVL due to innovative protocols.

Implications for Fintech

Companies like TON, Venmo, and Paypal are emerging as crucial gateways into crypto, enabling more users to engage without being tied to specific models, thus catalyzing widespread adoption.

Increasingly, fintech platforms will integrate crypto solutions without transferring all functionality to crypto products, promoting user engagement.

Maintaining an outlook filled with optimism, speculations around regulatory favor, rising user interest, and upward market trends shape the forthcoming year.