The past 18 months have rewritten crypto’s role in finance. With spot ETF flows turning digital assets into a mainstream allocation and Bitcoin (BTC) ranking among the world’s most valuable assets, the conversation has shifted from if to how fast.
Meanwhile, regulators from Brussels to Singapore are tightening rulebooks, giving banks clearer lanes to operate — while Basel’s crypto standard looms, nudging risk teams to get their playbooks straight.
Two forces are converging. First, capital markets are normalizing digital-asset access: weekly reports show continued inflows to crypto investment products, a sign that institutions now treat exposure as an active allocation rather than a side bet.
Second, policy guardrails are firming up. The EU’s MiCA service-provider rules have been in force since Dec. 30, 2024; Singapore has clarified licensing guidance for digital-token service providers; Dubai’s VARA has built a comprehensive licensing regime; and Switzerland’s DLT Act is already supporting tokenized-market venues.
Together, these trends replace ambiguity with accountable operations.
New report: Banks and Web3
Formula has published the Banks’ Strategic Entry into Web3 report to highlight how more than 170 banks are moving from pilots to products across nine revenue streams, including custody, stablecoins, asset tokenization and more.
The report maps regional success patterns, sequencing and rollout playbooks. A leaderboard shows top performers such as DBS and Citi already past the halfway mark on a 45-point maturity scale, with Standard Chartered and others close behind.
Here is what the Formula report offers:
A bank-grade maturity framework: Assess where you stand across nine Web3 streams and what to build next.
Region-by-region patterns: Understand why some markets lead in custody while others sprint ahead in tokenized payments.
Actionable architectures: Learn from proven case studies, including governance, vendor models and rollout sequencing that reduce time-to-revenue.
The challenge set for banks
Regulatory clarity is advancing, but execution risk is rising. MiCA raises knowledge, disclosure and conduct obligations for crypto-asset service providers. MAS has signaled a high bar for licensing, AML and operational controls.
Australia is updating INFO 225 to align digital-asset services with existing financial-product rules. And the Basel Committee’s crypto standard — slated to begin disclosure and capital requirements in January 2026 — is already prompting calls from global trade bodies for recalibration.
In short, it means that risk, treasury and tech leaders need interoperable controls from day one.
Formula and Cointelegraph — a synergy that helps you move faster
Research is step one; distribution and deals are step two. Web3 go-to-market agency Formula turns strategy into traction with:
Executive thought leadership and advertorials that build trust
Education series to align boards and business lines
Targeted demand programs to surface qualified leads
Custom landing pages on the Cointelegraph domain, banner campaigns and KOL amplification
Warm introductions to Tier-1 Web3 players and stages
If your team needs to “speak Web3” fluently, Formula pairs this with a daily-updated intel base and GTM frameworks so product, compliance and comms stay in lockstep.
Cointelegraph’s ecosystem completes the loop: digital advertising, article add-ons, social amplification, multimedia packages and podcast series designed to compound reach as your Web3 offerings go live.
Grab your copy today
Crypto has crossed the threshold: capital is flowing, rules are clarifying and real revenue is here. The winners will be the banks that treat Web3 as an expansion of core banking delivered on modern rails. The Banks and Web3 report is your field guide to get there, faster and with fewer surprises.
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