Global Uncertainty Reshapes Portfolio Thinking

In its latest research note, Brazil Itaú Asset highlights an increasingly complex global environment. Rising geopolitical tensions, shifting monetary policies, and persistent currency risks are challenging traditional portfolio structures. Against this backdrop, alternative assets are gaining relevance.

Renato Eid, Strategy Director at Itaú Asset, describes Bitcoin as a complementary investment rather than a replacement for conventional assets. He emphasizes that Bitcoin operates under a different set of dynamics compared to fixed-income instruments, equities, or domestic markets. Its decentralized and global nature, Eid argues, gives it the potential to function as a hedge against currency-related risks.

Volatility Does Not Eliminate Strategic Value

Bitcoin’s recent price history has been anything but stable. The asset entered 2025 near ninety-five thousand dollars, declined toward eighty thousand dollars amid trade-related uncertainty, then surged to an all-time high of one hundred twenty-five thousand dollars before stabilizing again around previous levels.

Despite these sharp fluctuations, Itaú Asset maintains that volatility alone should not disqualify Bitcoin from long-term portfolios. The bank stresses that the objective is not short-term price appreciation, but the structural benefits Bitcoin can provide when held in small, controlled proportions. Low correlation with traditional asset classes remains central to this argument.

Currency Effects and the Brazil Perspective

The report also notes that Brazilian investors have experienced Bitcoin’s volatility more intensely than many global peers. The Brazilian real appreciated by roughly fifteen percent over the past year, amplifying local currency losses for Bitcoin holders. Even so, Eid points to internal data showing that BITI11, Itaú’s locally listed Bitcoin ETF, has demonstrated low correlation with other major asset classes.

This characteristic, he explains, supports the case for modest Bitcoin exposure as a way to balance portfolio risks that traditional instruments may fail to address.

Institutional Commitment to Digital Assets

Itaú Asset’s recommendation aligns with its broader strategic move into digital assets. In September, the firm established a dedicated crypto-focused division led by former Hashdex executive João Marco Braga da Cunha. Beyond its existing Bitcoin ETF and crypto-linked retirement products, Itaú plans to expand into a wider range of offerings, including derivatives, staking strategies, and structured products.

Rather than framing Bitcoin as a speculative gamble, Itaú positions it as a disciplined portfolio component with specific diversification benefits. This measured approach reflects a broader shift within traditional banking toward structured and institutional engagement with digital assets.

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Avici (AVICI) is a project designed to fill exactly this gap, aiming to become the true “crypto neobank” of the internet era. Avici is building a next-generation financial infrastructure supported by smart contracts, bringing fiat and crypto under a single roof while giving users full ownership of their assets.
In short, Avici is not trying to “rethink” banking — it’s trying to rebuild it from scratch.

What Is Avici? What Does It Aim For?

The goal of Avici DAO is to combine Bitcoin’s ideal of “money independent from central authorities” with the needs of modern finance.

Although Bitcoin is now a global asset class exceeding a trillion dollars, it still isn’t used as a fully decentralized bank in everyday life. Even though stablecoins have millions of users, traditional institutions are still needed for areas such as credit, mortgages, and business financing.

Long-term goals include:

• Enabling millions of businesses to accept stablecoins

• Developing an on-chain credit infrastructure

• Bringing identity verification and credit scoring onto the blockchain

• Reducing the influence of central banks

• Creating an ecosystem where people can fully sustain their lives with on-chain assets

For this reason, the company is starting with a credit card and internet banking infrastructure that allows users to easily spend with crypto, and then aims to expand this system to larger financial products such as loans, borrowing, and mortgages.

Products and Ecosystem

The project rebuilds many services offered by traditional banks with an internet-native and self-custody approach. The main products offered by the platform are:

1. Avici Credit Cards (Visa Supported)

The company provides Visa credit cards issued by Rain to its users. These cards stand out as one of the easiest ways to convert crypto assets into spending.

Key features:

• Spend with crypto, no sale required

• Apple Pay and Google Pay integration (Tap to Pay)

• Physical card option

• Full self-custody model

• Zero transaction limits

• Easy verification and high security

When a user deposits USDC into the card, collateral is created in a smart contract, and the card issues a USD credit limit against it. When spending occurs, the corresponding amount is automatically sent from the smart contract to Visa.

The card infrastructure is designed to be entirely self-custody. This means Avici, Rain, or Visa do not control user funds; they only process the spending transaction according to the smart contract.

2. Avici Virtual Bank: USD and EUR Virtual Bank Accounts

USD and EUR accounts that function like traditional bank accounts are available within the Avici app.

Through these accounts, users can:

• Receive fiat transfers such as salaries, freelance payments, or wire transfers

• Have incoming fiat automatically converted into USDC

• Then use it within the Avici wallet

This feature enables crypto users to perform on-ramps without relying on banks for the fiat side. Avici also plans to activate these accounts for off-ramps soon.

3. Avici Smart Wallet: Smart Contract Wallet

The Avici Wallet is a smart wallet created using Zerodev. There is no traditional seed phrase; security is ensured through social login, biometric approval, and passkey mechanisms.

Key features of the wallet:

• Smart contract-based security

• No seed phrase, no risk of loss

• Multi-factor authentication

• Social recovery mechanism

• Supports Solana and EVM networks

• Avici’s own gas sponsor relayer

Gas fees on EVM are covered by Avici, except on the Ethereum mainnet. On Solana, users get 5 free transfers per day.

4. Avici Earn and Upcoming Products

Avici aims to expand its credit and borrowing infrastructure. In the future, the platform plans to offer:

• On-chain credit scores

• Mortgage-type long-term loans

• Global credit marketplace

• Privacy-focused on-chain transactions

These will provide users with advanced financial products.

How Do Avici Credit Cards Work?

The system is quite simple and completely transparent:

1. The user deposits USDC.

2. This USDC is locked into a smart contract called Loan Escrow.

3. A USD credit limit is created equivalent to the deposited amount.

4. When the user spends, the card balance decreases.

5. An equivalent amount of USDC is transferred from the smart contract to Visa.

Avici or any other institution does not have ownership rights over this collateral; only the amount spent can be withdrawn.

The card can be used at more than 100 million merchants that accept Visa.

Avici (AVICI) Tokenomics

Avici’s total token supply is set at 12.9 million AVICI.

Distribution:

• 10 million AVICI – ICO (77.5%)

• 2.9 million AVICI – Liquidity (22.5%)

• 0 – Team allocation (may be determined later by community decision)

Liquidity distribution:

• 2 million tokens – Futarchy AMM

• 900,000 tokens – Meteora Pool

The project team prefers long-term incentives to be determined by the community.

Official Links

• Website
• X (Twitter)
• Whitepaper

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New Spot Trading Pairs Activated

As of November 13, 2025, 14:00 (UTC), Binance enabled the following spot trading pairs for BANK and MET:

• BANK/USDT
• BANK/USDC
• BANK/TRY
• MET/USDT
• MET/USDC
• MET/TRY

Deposits for both BANK and MET opened one hour prior to the listing time.
Withdrawals will be available starting November 14, 2025 at 14:00 (UTC).

What Is Meteora (MET)?

Meteora is a decentralized exchange (DEX) ecosystem built on the Solana blockchain, offering dynamic liquidity management. Its goal is to provide a sustainable, secure, and capital-efficient DeFi liquidity infrastructure.

Key features include:

• DLMM (Dynamic Liquidity Market Maker)
• Dynamic AMM Pools
• Dynamic Vaults

These mechanisms optimize user yields, reduce slippage, and improve capital efficiency — creating a fairer and more transparent trading environment for both investors and liquidity providers.

What Is Lorenzo Protocol (BANK)?

Lorenzo is an on-chain asset management protocol built on a Financial Abstraction Layer (FAL) that enables the tokenization of institutional-grade asset management and yield strategies.

The protocol brings traditional finance instruments such as:

• ETFs
• Structured yield strategies (covered calls, volatility harvesting, risk parity)

into the Web3 ecosystem.

Why Is This Important for the Solana Ecosystem?

Projects on the Solana network have recently gained increased institutional visibility.
Binance’s listing of BANK and MET:

• Boosts confidence in Solana-based DeFi and liquidity protocols
• Expands the reach of innovative Solana projects to a wider investor base
• Enhances liquidity and trading volume for BANK and MET

Analysts suggest this move may be a signal that more Solana projects could be listed throughout 2025. The listing of BANK and MET is viewed as a strategic and momentum-building development for Solana’s broader ecosystem.

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Michael Saylor: “The road is now clear for Bitcoin and banking.”

Details of the Fed’s New Decision

The Fed announced that it has ended the special supervision program called “novel activities supervision program,” which was launched in 2023 to monitor banks’ crypto and fintech activities. From now on, these activities will be monitored through the standard supervisory process, just like traditional banking activities.

In its statement, the Fed emphasized that during the program, it gained a better understanding of risks in the crypto and fintech space, how banks responded to those risks, and potential vulnerabilities in the sector. With this experience now permanently integrated into the normal supervisory framework, one of the biggest uncertainties in banks’ crypto-related business models has been removed.

What Does This Mean for Bitcoin?

According to Saylor, this decision is not only a technical regulatory change but also a sign that barriers between traditional finance and the crypto market are easing. By ending the special supervision program, the Fed allows banks to operate in a more “normal” environment when providing services related to Bitcoin and other digital assets.

This move could both increase trust from a regulatory perspective and accelerate the integration of Bitcoin into the financial system.

The road is now clear for Bitcoin and banking. https://t.co/Kzu2ZKbz8m

— Michael Saylor (@saylor) August 15, 2025

Possible Impacts on the Sector

• Institutional Adoption May Increase: Since banks can now operate in a more predictable and “natural” regulatory framework, new institutions may find it easier to enter the crypto sector.

• Legitimacy of Bitcoin Strengthens: Saylor’s frequently repeated view that “Bitcoin is a digital gold and a reserve asset” could be reinforced as the banking world begins to embrace this vision.

• Better Risk Management: By integrating the experience gained from the program into the standard process, the Fed may be able to manage potential crises more effectively and quickly.

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The Big Gap Between Standard Chartered’s 2025 and 2028 Targets

The bank’s new projection has made waves in the altcoin market. Nearly doubling the 2025 target suggests that ETH could see significant upward momentum in the near future. The increase of the 2028 target to $25,000 reinforces expectations that ETH will expand not only in financial markets but also in DeFi, NFTs, and enterprise blockchain applications in the coming years.

Previous Forecasts and Market Dynamics

Previously, the bank had set its ETH target for 2025 at $4,000 and for 2028 at $7,500. However, the recent recovery in the crypto market, rapid growth in the DeFi ecosystem, and increasing institutional interest in ETH have led to a major upward revision of these figures. In addition, ETH’s technological upgrades addressing scalability and transaction costs have contributed to the growing optimism in price expectations.

Ethereum Price Outlook

ETH is currently trading at $4,681. Over the past 24 hours, it has recorded a 1.99% increase, while its strong 78.08% performance over the last six months highlights growing investor interest and rising market confidence.

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Securing a bank charter would enable these companies to legally offer deposit and loan services, aligning them with traditional financial institutions. With increasing scrutiny from regulators, especially in the stablecoin space, obtaining such licenses is seen as a crucial step toward long-term regulatory compliance.

STABLE and GENIUS Acts Reshape the Legal Framework

Two new U.S. legislative proposals — the STABLE Act and the GENIUS Act — aim to define how stablecoins are issued and regulated. While STABLE calls for strict federal oversight, GENIUS proposes a more flexible model that includes both state and federal governance.

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These bills would formally classify stablecoin issuers as financial institutions under the Bank Secrecy Act, requiring compliance with AML standards, sanctions checks, and reserve requirements.

A Bank Charter Comes with Opportunity and Risk

A bank charter offers crypto companies a pathway to legitimacy and growth, but also demands strict regulatory compliance. The case of Anchorage Digital, which obtained a federal charter but now faces investigation and high compliance costs, serves as a cautionary tale.

Even so, Federal Reserve Chair Jerome Powell recently acknowledged the importance of creating a legal framework for stablecoins, citing the growing relevance of digital assets in the broader financial ecosystem.

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Is the Banking Barrier to Crypto Companies Lifting?

In recent years, many crypto companies have experienced great difficulties in accessing banking services due to regulatory pressures in the US. In particular, the collapse of Silvergate and Signature Bank deepened the problems of access to the traditional financial system in the crypto market. The new bill presented by the Republican Party aims to bring a solution to this situation.

It is a matter of curiosity how the bill, which argues that crypto companies should be recognized as legitimate financial institutions, will be received in the US Congress.

Tension Between Crypto and Banks

Crypto companies were seen as risky customers due to the uncertain attitudes of regulators and were unable to receive services from many banks. The Biden administration and the SEC’s strict stance had led the industry to seek more decentralized solutions.

This bill of the Republican Party is seen as an attempt to end discrimination against crypto companies in the financial sector. If passed, it could pave the way for crypto startups in the US to work more easily with traditional banks.

Could this regulation, which could be a big step for the crypto sector, open the doors to a crypto-friendly financial environment? We are following the developments closely.

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In an October 29 announcement, Visa stated that “Coinbase already has millions of users with a debit card connected to their account.” Additionally, Visa highlighted that users in the United States and the European Union will have “real-time access to account funds” when using an eligible Visa debit card.

Thanks to Visa’s extensive acceptance network, Coinbase customers can spend their crypto instantly without needing an additional conversion process. This move is seen as an essential innovation to boost the liquidity and widespread adoption of crypto assets. While Coinbase’s CEO emphasized that this development is a significant step toward bringing crypto into daily transactions, Visa also reinforced its commitment to advancing financial technology solutions.

Visa has long supported Coinbase’s crypto debit cards, allowing users to spend their crypto assets across Visa’s network. On October 28, the payments and card industry giant signed a similar agreement with FV Bank. This partnership will enable users to fund a bank card with both crypto and cash. Such agreements are part of Visa‘s strategy to make cryptocurrencies accessible for everyday transactions.

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According to a statement by Souad Benkredda, a member of the bank’s management board, DZ Bank plans to offer a variety of digital currencies to its customers as the central hub for around 700 cooperative financial institutions. Benkredda also said that the service will be aimed specifically at customers who are able to make their own investment decisions and will not include any investment advice.

In addition, a study by Genoverband, an organization that audits and advises over 2,500 cooperative institutions, found that half of banks want to offer such a solution to their customers. However, Benkredda stressed that each institution will make an independent decision on this matter.

The Frankfurt-based financial giant, which has assets under management of $627 billion, launched a crypto custody service in November 2022. This step came a few months after the bank announced that it would use Metaco’s technological infrastructure to offer services related to cryptocurrencies.

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General Manager of BIS Agustín Carstens warned in a speech at the BISIH-FSI conference in Switzerland today that outdated legal frameworks in different jurisdictions could hinder the development of CBDCs.

Carstens said, “It is absolutely unacceptable for uncertain or outdated legal frameworks to hinder their implementation.” Also he concluded his words by saying, “Work to address these issues needs to begin seriously and progress quickly.”

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Call for a More Advanced Legal Framework from BIS

Carstens emphasized that the current monetary system needs to evolve. He also stated that central banks are actively researching CBDCs to encourage innovation. But he said central banks alone cannot achieve the transformation they want.

Along with this, Carstens referred to the 2021 IMF document and said that about 80% of central banks either cannot issue digital money based on existing laws or have uncertain legal frameworks.

In contrast, the published BIS survey revealed that 93% of central banks are actively involved in various aspects of CBDC development. This indicates that legal frameworks lag behind the progress made by central banks in the CBDC field.

Carstens noted that the legitimacy of CBDC comes from the legal authority of the central bank to issue it. He added, “This authority needs to be firmly based on laws.” He highlighted the importance of legal frameworks that support the legitimacy of money by mentioning that money is a social structure.

“Money cannot operate without law,” he added.

Carstens called for legal frameworks in the jurisdiction to be able to work together with other jurisdictions. “If we end up with a fragmented system and legal framework where different digital currencies do not work together, it would be an unfortunate situation,” he added.

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