Banks Are Taking Over Crypto – And It's Happening Now

Traditional finance and crypto are no longer separate worlds. Banks are moving on-chain, regulation is accelerating adoption, and real financial assets are beginning to live directly on blockchain infrastructure. In this BeInCrypto podcast episode, host Jeann is joined by Peter Bidwell, Head of Product at Rails, to explain how banks are integrating blockchain technology, why regulation like MiCA, the GENIUS Act, and US policy shifts are unlocking institutional confidence, and what it really means to bring real money on-chain. Peter breaks down how banks can tokenize assets privately, trade them within regulated networks, and distribute them to public DeFi markets, creating a bridge between TradFi and DeFi. The conversation covers stablecoins, private credit, tokenized assets, compliance, privacy, and why institutions now see blockchain as a real revenue opportunity rather than an experiment. They also discuss macro risks, gold vs Bitcoin dynamics, why crypto is no longer a “rounding error,” and how institutions could become the dominant players in the next phase of crypto adoption, without sacrificing transparency or trust. Key topics: Bank blockchain adoption, TradFi vs DeFi, MiCA regulation explained, GENIUS Act, crypto regulation US and EU, tokenized assets, stablecoins, private credit on-chain, institutional DeFi, real-world assets (RWA), gold vs Bitcoin, crypto market maturity, financial infrastructure on blockchain. ⏱️ CHAPTERS 0:00 Intro 0:30 Meet Peter Bidwell (Rails) 1:10 What “blockchain for banks” really means 2:20 How banks tokenize assets privately 3:45 Public vs private blockchain infrastructure 5:05 MiCA and EU crypto regulation explained 6:25 GENIUS Act and US regulatory shift 7:45 Why regulation unlocks institutional adoption 9:00 Stablecoins and real money on-chain 10:15 Why banks are entering crypto now 11:30 Gold vs Bitcoin and macro risks 12:45 Is crypto finally here to stay? 13:40 Institutions vs retail adoption 14:30 Final thoughts and advice 👉 CALL TO ACTIONS (IMPORTANT) 👉 Subscribe for weekly conversations on crypto, regulation, and global finance 👉 Like the video if you want more institutional-grade insights 👉 Comment below: Are banks good or bad for crypto’s future? 🔗 LINKS 🔗 Visit BeInCrypto: https://beincrypto.com/ 📸 Instagram: https://www.instagram.com/beincrypto 🐦 X (Twitter): https://x.com/beincrypto 📢 Telegram: https://t.me/+U8DQNp4b8Gw3YmZi 🏷️ HASHTAGS (3–5, clean and strong) #CryptoRegulation #DeFi #Blockchain #TradFi #BeInCrypto 🚨 DISCLAIMER 🚨 This video is for informational and educational purposes only. Nothing discussed should be considered financial advice. Always do your own research and understand the risks involved before making financial decisions.