The post Is It Too Late to Buy Bitcoin and Crypto in 2025? appeared first on Coinpedia Fintech News

Early October, Bitcoin hit a new all-time high of over $126,270. ETFs are breaking records, institutional buying continues increasing, and yet the market still swings wildly. 

There’s never been a year like 2025 for crypto. The market finally looks mature, with Trump’s advocacy and regulatory clarity. 

For many retail investors, that raises the big question – is it too late to get in?

The Wrong Way to Look at “Too Late”

Asking whether it’s too late misses the point as Bitcoin isn’t a quick trade anymore, instead it’s a long-term asset. The smarter question is: what role should it play in your portfolio?

Over the past few years, Bitcoin has shifted from being a speculative token to a strategic asset that many investors use as a hedge against inflation and currency weakness. 

For anyone thinking beyond the next bull run, what matters is time in the market, not timing the market.

A Mature Market With Volatility 

Institutional money has poured in this year. 

Early October saw record weekly global ETF inflows of ~$5.95B, helping push Bitcoin to new highs, according to Reuters.

A few days later, a sharp sell-off on October 10-11 erased ~$19B in open interest and affected around 1.6M traders, which was one of the largest wipeouts in crypto history.

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Bitcoin now sits in the portfolios of global asset managers, but the market structure is still fragile. 

Why It’s Not Too Late

Despite the rollercoaster, adoption keeps expanding. 

Chainalysis’ 2025 Global Adoption Index shows countries like India, the U.S., and Brazil leading in crypto usage. The State of Crypto 2025 report by a16z also highlights that regulated products and better infrastructure are now driving long-term capital into the space. 

On the tech side, upgrades like Taproot and the Lightning Network are making Bitcoin faster and more usable, pushing it beyond the “digital gold” tag and closer to real-world utility.

How to Approach It Smartly

Investors don’t need to bet everything to participate. Dollar-cost averaging, which is investing a fixed amount regularly, helps smooth volatility and reduce stress. Treat Bitcoin as a small, steady allocation: 1-5% for conservative investors, up to 10% for those with higher risk tolerance.

And security matters. Hardware wallets, strong passwords, and 2FA should be non-negotiable for anyone holding crypto long-term.

The Bottom Line

Bitcoin has come a long way from its early days. But calling it “too late” ignores how far adoption, infrastructure, and global integration have come. The opportunity today should not be seen as chasing quick profits, but entering the market with a plan.

As long as you remain disciplined and back your investments with research, you are likely to continue benefiting from the market. 

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The post Avalon Labs Launches On-Chain AI Marketplace on BNB Chain: Details appeared first on Coinpedia Fintech News

Avalon Labs has made a big move in combining artificial intelligence and blockchain. The company released its whitepaper introducing the world’s first on-chain AI-powered RWA marketplace and a new concept called AI-Model-as-a-Service (AI-MaaS). 

The project is backed by YZi Labs and Framework Ventures and launched exclusively on BNB Chain.

“Today, we’re excited to announce the official release of our Whitepaper for the industry’s first on-chain AI-backed RWA marketplace and AI-Model-as-a-Service (AI-MaaS),” Avalon Labs said on X.

A New Way to Access AI Models

Traditionally, AI developers rent GPU hardware to train or run their models. Avalon is changing that. Instead of just renting computing power, its marketplace lets users access ready-to-use AI models that are already optimized and trained using reinforcement learning.

This approach, called AI-Model-as-a-Service, makes it easier for developers and enterprises to use advanced AI without managing hardware or complex training setups. 

The first model is built on H200 GPU hardware, offering faster and more efficient access to high-performance AI systems.

Turning Real-World Rights Into On-Chain Tokens

Alongside the marketplace, Avalon introduced a new standard called Commercial Rights Tokenization (CRT). It’s a different take on how real-world assets (RWAs) are brought to the blockchain.

Instead of tokenizing ownership or securities, CRT tokenizes commercial rights – such as the right to use, access, or rent a service. These rights are legally recognized under U.S. commercial law (UCC Articles 7, 9, and 12), giving token holders enforceable claims.

In simple terms, Avalon’s model focuses on utility. It allows things like compute time, goods, or services to be represented as legally valid digital tokens.

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The Structured Marketplace

Avalon’s new marketplace works on a two-tier structure that mirrors traditional finance models:

• Senior Allocation (sAI): Designed for stable access to AI model rentals, pegged near $1 and meant for low-risk users.
• Junior Allocation (jAI): A higher-risk, higher-reward tier that earns extra returns during high demand periods.

Both tokens represent rental rights. This setup combines predictable access for institutions with flexible opportunities for retail or DeFi users.

A Bridge Between AI and DeFi

Avalon’s whitepaper also details a strong risk management system with automated contract monitoring, liquidity rules, and clearly defined redemption windows. These features aim to make the marketplace transparent and secure.

By bringing AI, blockchain, and real-world assets together, Avalon Labs is positioning itself as a key player in the next wave of digital infrastructure. 

The project’s mix of legal backing, on-chain transparency, and real-world use cases could set a new benchmark for how AI and DeFi work together.

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The post Securitize to Go Public in $1.25B Cantor Fitzgerald Deal: A First for Tokenization! appeared first on Coinpedia Fintech News

Securitize, a leading platform for tokenizing real-world assets, is set to go public through a merger with Cantor Equity Partners II (CEPT), a SPAC backed by Cantor Fitzgerald, at a $1.25 billion valuation. 

The move will make Securitize the first public company focused entirely on tokenized securities, marking a major step forward for the growing tokenization industry.

A Big Step for Tokenized Finance

Once the deal is complete, the combined company will trade on Nasdaq under the ticker “SECZ.”

Existing investors – including ARK Invest, BlackRock, Blockchain Capital, Hamilton Lane, Jump Crypto, Morgan Stanley Investment Management, and Tradeweb Markets – will roll over 100% of their shares into the new entity. 

No one is cashing out, which is a clear sign of long-term confidence in the company’s future.

The merger could bring in around $469 million in gross proceeds. That includes $225 million from a fully committed PIPE led by top institutional investors such as Arche, Borderless Capital, Hanwha Investment & Securities, InterVest, and ParaFi Capital, along with $244 million from CEPT’s trust account, assuming no redemptions.

“This is a defining moment for Securitize and for the future of finance,” said Carlos Domingo, Co-Founder and CEO of Securitize. “We founded this company with a mission to democratize capital markets by making them more accessible, transparent, and efficient through tokenization.”

The news are out! @Securitize has filed to go public in Nasdaq via a merger with Cantor Equity Partners II lead by @Brandonlutnick at a $1.25B valuation

— Carlos Domingo (@carlosdomingo) October 28, 2025

Securitize to Tokenize Its Own Equity

In a first for the finance industry, Securitize plans to tokenize its own equity, showing how a public company’s shares can exist and trade onchain. 

Brandon Lutnick, Chairman and CEO of Cantor Fitzgerald, called blockchain “a foundational force in the next era of capital markets,” highlighting growing institutional belief in tokenization as the next big step in finance.

Securitize’s technology integrates with 15 blockchains. The company sees itself playing a key role in a $19 trillion market opportunity as more real-world assets move onchain.

The transaction, already approved by both boards, is expected to close in the first half of 2026, subject to regulatory approvals.

The post PayPal Partners with OpenAI to Power Instant Checkout, AI Commerce in ChatGPT appeared first on Coinpedia Fintech News

PayPal has teamed up with OpenAI in a major move that could change how people shop and pay online. 

Announced on October 28, the partnership will bring instant checkout and agentic commerce to ChatGPT, allowing users to discover and buy products directly through the chatbot, powered by PayPal’s trusted payment network.

Here’s why this is exciting.

ChatGPT Becomes a Marketplace

According to a press release today, PayPal will adopt OpenAI’s Agentic Commerce Protocol (ACP), a new system designed to make online shopping faster and more interactive. Soon, ChatGPT users will be able to find products, choose payment methods, and check out instantly using PayPal without even leaving the chat.

For merchants, the change could be massive. PayPal plans to connect tens of millions of businesses, from small shops to global brands, to ChatGPT’s growing user base. 

“Hundreds of millions of people turn to ChatGPT each week for help with everyday tasks, including finding products they love, and over 400 million use PayPal to shop,” said Alex Chriss, President and CEO of PayPal. “By partnering with OpenAI and adopting the Agentic Commerce Protocol, PayPal will power payments and commerce experiences that help people go from chat to checkout in just a few taps.”

What It Means for PayPal, and Possibly for Crypto

This partnership reflects PayPal’s broader shift toward AI-powered commerce and digital innovation. The company has already launched its PYUSD stablecoin and built crypto custody services, showing its growing focus on the digital asset space.

While the announcement didn’t directly mention crypto, this kind of AI-driven payments system could easily become a bridge between fiat and digital currencies in the future.

If PayPal’s ACP platform eventually supports blockchain-based settlements, it could boost the use of PYUSD and other regulated stablecoins in real-world transactions.

Also Read: What Can You Actually Buy With Crypto in 2025?

The Bigger Picture: When AI Meets Payments

“Agentic Commerce” or AI-powered buying and selling could eventually go beyond simple checkouts. With time, it might connect with smart contracts, tokenized assets, or digital identity systems.

And as history shows, every major AI and payments announcement tends to boost interest in related crypto sectors. 

Tokens tied to AI, payments, and stablecoins – like FET, AGIX, OCEAN, XRP, XLM, and PYUSD – could all see renewed investor attention.

PayPal’s latest move with OpenAI is exciting and a strong signal that shows us where digital commerce is headed.

The post Canada Fast-Tracks Stablecoin Rules Ahead of November 4 Budget appeared first on Coinpedia Fintech News

Canada’s crypto scene is heating up and the government is leading the charge.

 Ottawa is moving fast to bring stablecoin regulations to the table, with details expected in the federal budget on November 4, just days after a record-breaking $126 million fine hit a crypto company for anti-money laundering violations.

Here’s what you should know. 

Stablecoin Rules Finally on the Way

According to Bloomberg, officials have spent the past few weeks in intense talks with regulators and industry leaders to finalize how stablecoins will be governed in Canada. The discussions are expected to result in clear regulatory proposals when Finance Minister François-Philippe Champagne presents the new budget next week.

Stablecoins are seen as a key bridge between digital assets and mainstream finance. But in Canada, the rules have been unclear. Regulators currently treat stablecoins as securities or derivatives, creating uncertainty for companies and investors.

Meanwhile, the US has already taken a major step forward. 

The Genius Act, passed in July, gave US regulators the authority to supervise stablecoin issuers and set reserve standards. The law treats compliant stablecoins as payment instruments, a move the crypto industry has largely welcomed.

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Experts Warn of Capital Flight

Industry leaders are urging Canada to act quickly or risk falling behind. John Ruffolo, founder of Maverix Private Equity, warned that if the government doesn’t move soon, Canadian investors may shift to US stablecoins, which could hurt demand for Canadian bonds and weaken local financial control.

“Every Canadian who transacts in a US stablecoin funds American debt, enriches American institutions and exports our financial data south,” Ruffolo wrote earlier this month.

Even the Bank of Canada and the Office of the Superintendent of Financial Institutions (OSFI) have called for a national framework to close the gap. 

Former deputy governor Carolyn Wilkins said Canada needs rules that build “trust, security, stability and competitiveness” in the payments space.

Crackdown Sets the Tone

Just last week, FINTRAC, Canada’s financial watchdog, fined Cryptomus (Xeltox Enterprises Ltd) a record $126 million for 2,593 anti-money laundering violations – the largest fine ever issued in Canada’s crypto sector.

Investigators found the company failed to report suspicious transactions linked to child abuse, ransomware, and Iran-related transfers. The operations traced back to Uzbekistan and Spain.

FINTRAC said the company’s weak systems “significantly impair transparency and accountability,” adding that Canada’s crypto sector still has major gaps criminals can exploit.

After years of hesitation, Canada appears ready to tighten enforcement and draft long-awaited rules. 

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