Bitcoin‘s Evolving Role: Experts Predict Shift Amidst Institutional Adoption and Stablecoin Rise

Seoul, South Korea – October 19, 2025 – A recent financial summit in Seoul has sparked debate about the future trajectory of bitcoin, with industry leaders suggesting a potential conversion driven by institutional investment and the expanding stablecoin market. The ‘Herald Money Festa 2025’ event, held on October 16th and 17th, brought together prominent voices to discuss the evolving landscape of digital assets.

Bitcoin and the Global Financial Order

Professor Taemin Oh, an adjunct professor specializing in Bitcoin Currency Philosophy at Hanyang University, characterized bitcoin as a meaningful influence on the international financial system.He suggested that the cryptocurrency could offer a solution to complex economic challenges currently facing the United States, notably those related to managing inflation and national debt. Professor Oh explained the inherent tensions between President Trump’s proposed economic policies – high tariffs, a weaker dollar, low interest rates, and affordable oil – and the potential for inflationary pressures, leading to the necessity of interest rate hikes. He posited that stablecoins could mitigate these issues and alleviate the growing burden of U.S. bond interest payments, which have recently surpassed defense spending.

Institutional Adoption Gains Momentum

A key theme emerging from the summit was the growing acceptance of Bitcoin by traditional financial institutions. Harvard University’s recent $116 million investment in Bitcoin exchange-traded funds (ETFs) was cited as a prime example. Furthermore,the United States’ move to allow Bitcoin ETFs within retirement investment plans (‘401K’ accounts) and Luxembourg’s inclusion of a Bitcoin ETF in it’s sovereign wealth fund signal a broader trend of mainstream acceptance. professor Oh predicted that increased participation from multinational technology companies could ultimately diminish the importance of Bitcoin’s traditional “halving” cycle – a periodic reduction in the reward for mining new blocks, typically occurring every four years.

Stablecoins: A New Investment Frontier

The summit also focused on the expanding opportunities within the stablecoin market. Jonghyup Kim, CEO of Web3 technology firm Parameter, highlighted the attractive returns available through stablecoin investments. Depositing dollar-linked stablecoins on offshore exchanges is currently yielding annual interest rates of 4-5%, with additional potential for earnings through lending and liquidity provision.

interest Farming Strategies

Kim detailed the potential of “interest farming,” a strategy involving the reinvestment of earned interest to generate compounded returns.He illustrated this with an example using the Ethereum staking platform ‘Aave’,where staking ethereum yields 4.7% annually. utilizing this yield as collateral to borrow other cryptocurrencies at 2.4%, and subsequently redepositing the borrowed funds to earn an additional 3.3%, could generate an overall profit of 0.5%. Repeating this process of borrowing and redepositing could potentially increase earnings to 15%.

AI-Powered Prediction Platforms Emerge

Addressing the inherent volatility of the cryptocurrency market, munchang choi, Executive Director of Youthmeta, emphasized the importance of data-driven investment strategies. Youthmeta’s platform leverages machine learning to analyze historical price patterns and identify potential market movements. the platform also monitors exchange order books, trading limits, and the activity of large-scale investors (“whales”) to provide buy and sell signals with a reported accuracy rate of 70-80%.

Choi stated, “Cryptocurrency has solidified its position as a legitimate currency and asset class. While integration into traditional systems and capital inflows are increasing, data asymmetry and price fluctuations remain significant challenges. Mitigating these risks requires a combination of AI-driven analysis and expertise from seasoned professionals.”

Did You No? Harvard University’s $116 million Bitcoin ETF purchase represents a significant endorsement of cryptocurrency as a legitimate asset class by a prestigious academic institution.

Pro Tip: Diversification remains crucial within the cryptocurrency market. Do not allocate all investment funds to a single asset or strategy.

What impact will increased institutional investment have on Bitcoin’s long-term price stability? And, how will regulatory developments shape the future of stablecoins and their role in the broader financial system?

Disclaimer: This article is for informational purposes only and does not constitute financial advice. Cryptocurrency investments are inherently risky and may result in significant losses.Always conduct thorough research and consult with a qualified financial advisor before making any investment decisions.

Share your thoughts in the comments below! What are your predictions for the future of Bitcoin and stablecoins?

Saemaul Geumgo Faces Scrutiny As Over-limit Loans Spike

Seoul, South Korea – A significant increase in loans exceeding individual limits at Saemaul Geumgo, a South Korean financial institution, is prompting scrutiny from both government officials and financial watchdogs. The escalating trend raises questions about risk management and the potential impact on the overall financial health of the institution.

Dramatic Increase in Loan Violations

According to data released by a Member of the National Assembly, loans surpassing the permissible limit for a single borrower have climbed dramatically in recent years. In 2020, the total value of these over-limit loans stood at 45.951 billion won. By 2023,this figure had ballooned to 403.343 billion won – an almost nine-fold increase. the number of individual cases rose from 22 to 31 over the same period,indicating a concurrent increase in the size of each loan granted.

This surge has not gone unnoticed by regulators. A joint audit, involving the Ministry of Public Administration and Security and financial authorities, commenced in April and is ongoing.

Disciplinary Actions rise Sharply

The increase in problematic loans has been accompanied by a corresponding rise in disciplinary actions against Saemaul Geumgo employees and executives. In 2020, 71 individuals faced repercussions for their involvement in these cases. This number fluctuated in subsequent years,reaching 138 in 2023,and continuing wiht 28 disciplined employees as of the end of August of this year,for 7 cases amounting to 29.725 billion won.

Did You Know? Saemaul Geumgo, originally established as a rural banking cooperative, plays a crucial role in providing financial services to communities across South Korea.

Concerns Over Financial Soundness

Legislators have voiced concerns that these over-limit loans pose a significant threat to the financial stability of the institution. Representative Park Jeong-hyun emphasized the need for strict regulation and continuous monitoring to mitigate potential risks. The total damages incurred from various financial irregularities at Saemaul geumgo, including embezzlement and breach of trust, have reached 44.07 billion won across 74 cases between 2020 and August of this year.

Pro Tip: when evaluating financial institutions, always look for transparency in their lending practices and a demonstrated commitment to responsible risk management.

What are your thoughts on the need for stricter regulations surrounding lending practices?

How do you think these kinds of financial irregularities impact public trust in financial institutions?

Share your viewpoint in the comments below and join the conversation.