TIME Honors Coinbase As A ‘Disruptor’

Coinbase was named a “disruptor” on the TIME 100 list after a landmark year where it became one of the most prominent crypto advocates in Washington, D.C. The company’s inclusion came shortly after a series of major wins, including the U.S. Senate passing the GENIUS stablecoin bill, which helped boost Coinbase’s stock from around $303 to $382 per share.

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TIME wrote, “The company, which in May became the first crypto stock to be added to the bellwether S&P 500 index, is a key driver of the industry’s policy efforts in Washington D.C. If industry-friendly bills are passed, Coinbase stands to become an even bigger hub for U.S. crypto activity.”

Expanding Globally While Reshaping Regulation

In a significant step forward, Coinbase secured a MiCA license in the European Union on June 20, authorized by Luxembourg’s financial regulator. The company announced plans to base its EU operations in Luxembourg, marking a major push into international markets.

In addition, Coinbase is seeking SEC approval to offer tokenized equities — a move that could position it alongside retail trading platforms like Robinhood and WeBull in offering hybrid assets to users.

President Trump Signals Support For Crypto

Speaking at the “Coinbase State of Crypto Summit” in June 2025, U.S. President Donald Trump pledged regulatory clarity for digital assets: “We will be working to create clear and simple market frameworks that will allow America to dominate the future of crypto and Bitcoin.”

This continued momentum signals not only confidence in Coinbase, but in the broader digital asset space as institutional and retail interest grows.

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VASPs Under Regulatory Scrutiny

In its 2025 NRA report, Luxembourg has classified Virtual Asset Service Providers (VASPs) as high-risk entities for money laundering. This risk is attributed to transaction volume, global client reach, legal structures, and the cross-border nature of crypto operations. The country had previously warned about the sector in its 2020 and 2022 reports, citing the digital and borderless characteristics of crypto assets as major vulnerabilities for financial crimes.

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The European Union is actively implementing the MiCA (Markets in Crypto-Assets) regulation to harmonize crypto laws across its 27 member states. Since January, crypto companies have begun obtaining licenses to operate legally. In May, Kraken launched regulated crypto derivatives trading, and Crypto.com secured a similar license. However, not all players comply—Tether (USDT) refused to align with MiCA’s rules and was consequently delisted from Binance, Coinbase, and Crypto.com across EU platforms.

Crypto’s Role in Money Laundering Grows

With crypto’s increasing role in global finance, it’s also becoming a tool for illicit activity. Earlier this month, Hong Kong authorities arrested 12 individuals for laundering $15 million using over 500 bank accounts and cryptocurrency. Meanwhile, in Europe, 17 suspects were detained in connection with a “mafia crypto bank” accused of laundering €21 million ($23.5 million). Authorities seized over $5 million in cash, crypto, firearms, and luxury vehicles during the crackdown.

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The European Insurance and Occupational Pensions Authority (EIOPA) presented the proposal in a Technical Advice report to the European Commission on March 27. Unlike traditional asset classes such as stocks and real estate, which have lower capital requirements, crypto assets would need to be fully backed.

“EIOPA considers a 100% haircut in the standard formula prudent and appropriate for these assets in view of their inherent risks and high volatility,” the authority stated.

Why the 100% Requirement?

The 100% capital charge is based on the assumption that crypto prices could drop completely. EIOPA noted that Bitcoin (BTC) and Ether (ETH) have previously seen declines of 82% and 91%, respectively. This is significantly higher than the capital requirements for stocks (39%-49%) and real estate (25%), according to Commission Delegated Regulation 2015/35.

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EIOPA offered four options for the European Commission:

1. Make no changes.
2. Implement an 80% stress level for crypto holdings.
3. Implement a 100% stress level (EIOPA’s recommendation).
4. Broaden the approach to include risks of tokenized assets.

“An 80% stress to the value of crypto-asset exposures does not appear sufficiently prudent,” EIOPA stated, emphasizing the need for 100% backing.

Impact on Insurance Markets

The proposed regulation would mostly affect insurers in Luxembourg and Sweden, which account for 69% and 21% of all crypto-related insurance undertakings. Other impacted nations include Ireland (3.4%), Denmark (1.4%), and Liechtenstein (1.2%).

Most of these holdings are structured within funds, such as exchange-traded funds (ETFs), and held on behalf of unit-linked policyholders.

Future of Crypto in Insurance

Despite proposing a 100% capital requirement, EIOPA acknowledged that broader adoption of crypto assets may require a more differentiated approach in the future. As the sector evolves, further regulatory adjustments could be introduced.

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One of the world’s largest banks, Standard Chartered, has initiated cryptocurrency services in Europe by acquiring a digital asset license in Luxembourg.

On January 9, the bank announced the establishment of a new entity in Luxembourg to provide cryptocurrency and digital asset custody services within the European Union.

This step follows the implementation of the Markets in Crypto-Assets (MiCA) Regulation, a significant regulatory framework for digital assets in the EU.

Laurent Marochini, formerly the head of innovation at Société Générale, will lead Standard Chartered’s Luxembourg entity as CEO.

Standard Chartered launched this initiative in Luxembourg as part of its broader digital asset strategy aimed at expanding its crypto custody services globally.

The new venture comes a few months after the bank introduced crypto custody services in the United Arab Emirates in September 2024. As part of the offering, Standard Chartered provides access to Bitcoin and Ether, the two largest cryptocurrencies by market capitalization.

Margaret Harwood-Jones, Standard Chartered’s global head of financing, expressed, “We are thrilled to offer our digital asset custody services to the EU region, enabling us to support our clients with a product that is transforming traditional finance.”

She emphasized that the new services will adhere to high-security standards as a regulated entity in Europe and added, “We are incredibly proud to be paving the way for our institutional clients to access the digital asset ecosystem.”

Standard Chartered Has Been Planning Crypto Services for Years

Standard Chartered’s crypto trading services were first reported to be under development in June 2024. At the time, some reports suggested that the bank planned to operate the service through its foreign exchange trading unit in London.

This initiative was seen as a significant reflection of the growing interest in the crypto sector within traditional finance.

However, the bank’s interest in crypto trading services dates back much earlier. The company had been exploring opportunities within the crypto ecosystem for years, with reports indicating that in 2021, it was considering launching a crypto exchange in Europe. These early efforts showcase the bank’s commitment and long-term vision for the digital asset space.

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