Blockchain Reshapes Finance and Digital Banking

Blockchain technology is fundamentally reshaping both traditional finance and the cryptocurrency sector, with new developments in market transparency, compliance, and user privacy. Wallet intelligence tools have enabled both regulatory compliance and market manipulation, exemplified by the collapse of Mantra's OM token due to surveillance and centralized holdings. Traditional financial institutions, such as MultiBank Group, are launching new digital assets like the $MBG token to bridge regulated trading and Web3 opportunities, incentivizing user participation. The rise of Neobank 2.0 is enabling users to manage both fiat and crypto assets within unified accounts, signaling a new era in digital banking. Academic studies highlight that blockchain and dynamic capabilities can enhance bank performance across the sector. Meanwhile, investor risk appetite appears to be shifting toward established 'wide moat' companies, which may reduce liquidity and prices in crypto markets.