Crypto Grows Up
This month, crypto stopped asking for permission and started writing the rules.
Bitcoin hit another all-time high, brushing off global tension and proving once again that it moves to its own rhythm. The institutions are starting to play by that rhythm too.
BTC-backed mortgages are now live in Australia. JPMorgan is circling crypto loans. Robinhood tokenised US stocks. And Coinbase quietly turned its crypto wallet into a full-stack, social-media super app.
The signal is clear. Crypto is no longer a fringe asset. It’s becoming a major player of tomorrow’s financial system.
Here’s what mattered, what moved, and where the smart money’s heading next.
When the Banks Want What You Have
You can now have your cake and eat it too, by accessing your crypto equity without selling your coins. This is similar to how you can use your collateral in your house or in your blue-chip stocks, borrow against the equity, and buy other things.
Two big moves this week just rewrote the playbook:
Block Earner: Fresh off a legal win, this Aussie fintech is letting Bitcoin holders use their crypto stack to back home loans. No need to sell. No financial licence required. Borrowers can tap up to 40% of a property’s value and repay in AUD or BTC. Demand has already topped A$110M.
JPMorgan: Yes, that JPMorgan. They claimed they hated crypto, meanwhile, they were buying crypto. And now they are sniffing around crypto-collateralised loans too. Their plan? Let clients borrow against BTC and ETH, held by third-party custodians. No coins sold. Just unlocked. It’s a quiet but serious shift from a bank that once barked loudest at crypto.
The signal is loud and clear. Bitcoin is no longer just a speculative asset. It’s becoming a mainstay in traditional finance (“TradFi” if you’re hip with the lingo).
Would you let your crypto buy you a house or back your next investment?
Coinbase Goes All-In: Wallet, Social, and AI in One “Base” App
Coinbase has quietly overhauled its wallet, now rebranding it as “Base”, a crypto-native app that blends wallet features with social tools, creator access, and AI assistance. On the surface, it looks like another tech play. But under the hood, it’s signaling something bigger: Web3 isn’t just about finance anymore, it’s becoming social, interactive, and user-owned.
For long-term investors, this isn’t about jumping on the next “trendy” app. It’s about understanding where crypto is headed, and how infrastructure like this could shape the next generation of user adoption.
Robinhood Tokenizes U.S. Stocks for EU Users, A New Chapter in 24hr Markets
Robinhood has launched tokenized versions of U.S. stocks for European investors, offering exposure to over 200 names like Apple, Nvidia, and Tesla, with plans to scale up to thousands more. These tokens are tradable 24 hours a day, five days a week, with no commissions, and will eventually run on Robinhood’s upcoming Layer 2 blockchain.
It’s more than a new feature, it’s a glimpse of what happens when traditional stock or equity markets meet crypto infrastructure. Accessible, fractional, always-on.
For long-term investors, the takeaway isn’t about moving to the next shiny platform. It’s about watching how tokenization is quietly rewriting how the world accesses financial markets, and who gets to participate.
For hardcore stock traders, they may love the ability to buy and sell major stocks at 3 a.m. on a Tuesday, and thanks to blockchain and crypto, now they can.
Bitcoin Tops $120K as Trump Readies Crypto for Retirement Accounts
Bitcoin surged past USD 120,000 after reports that President Trump is preparing an executive order to allow 401(k) retirement accounts to include cryptocurrencies, alongside gold and private equity, as investment options. The Department of Labour (DOL) has already rescinded the previous caution from the Biden era, making it easier for plan sponsors to consider crypto, although the Securities and Exchange Commission (SEC) still urges caution.
This is big news for crypto:
→ Crypto is being taken seriously
For years, crypto felt like a gamble. Now it’s being considered for retirement plans, that’s a big shift. It means crypto is moving into the same category as trusted assets like stocks, bonds, gold and property.
→ More people can get in safely
This makes it easier for everyday people to invest in crypto without needing a separate crypto account. You could add it right into your super or 401(k), just like any other investment.
→ It could bring more stability
When people invest for the long term (like in retirement accounts), they don’t panic-sell at every dip. That means less wild swings in the crypto market over time.
→ It creates new demand
Retirement funds hold trillions of dollars. Even if a small part of that flows into crypto, it could help push prices up, and keep them up.
→ It helps balance your portfolio
Crypto doesn’t move the same way as stocks. That’s a good thing, it means it can help protect your money when the stock market drops.
If crypto’s getting invited to retirement plans, it’s playing the long game.
Would you consider adding a little cryptocurrency to your retirement fund?
Book a free chat with one of our helpful and friendly team members (or book a chat with Jeremy if the friendly ones are unavailable).
Closing Thoughts
That’s it for July (or most of it). If you blinked, you missed another Bitcoin All Time High (ATH), a few regulatory curveballs, and yet another TradFi player cozying up to crypto.
We’ll be back with an August update as markets, tech, and legislation continue moving at lightning speed.
As always, your feedback shapes what we share. We read every reply (even the spicy ones). And if you’re enjoying the updates, don’t keep it to yourself.
Crypto’s going mainstream, and the more people who understand it, the better.
This month’s referral gift: a compact data & SIM kit for your travel bag. Whether you’re travelling overseas or just visiting further suburbs, it’s one of those things you’ll wish you had with you. Tell a friend about BostonCoin and it’s yours.
Catch you at the next one!
P.S. If you’d like to explore our fund, feel free to schedule a Discovery Call with our team.
