Mon June 23, 2025 ▪
5
Min read ▪ by
Who said that Europe, champion of paperwork and bureaucracy, could not compete with the United States, the so-called cradle of innovation? In this world war to regulate cryptos, an unexpected duel emerges. On the one hand, the United States, under tension by Trump and its clique adapted to Bitcoin. On the other, a Europe that would have been lagging behind … but which has just taken out heavy artillery with mica. What if, this time, European regulations decisively exceeded the American audacity?
Brief
- Mica attracts the main cryptographic platforms with a single valid license throughout the European Union.
- The volume of crypto increased by 70% in Europe while it falls in the United States.
- The act of engineering strongly regulates stablescoins with audits, compulsory reserves and payments for payment of interest.
Mica wins hearts, crypto rushes: Europe attracts heavy volumes
It has been said that the mica is not enough, but it gives investors wings. January 2025. As American merchants fell, The European Union takes off. Pay factorA platform based in London, announces + 70% volumes in Europe in the first quarter. And the number of transactions remains stable. This implies one thing: the limmed money is heavier, more strategic.
Konstantins Vasilenko (Paybis) clearly declares: “Timing is difficult to ignore. “While the United States sink into legal confusion, Europe is deploying the regulatory red carpet. The giants answer: Okx, Bybit, Crypto.com, then Coinbase and Gemini rushed to Secure their mica licenses.
FranceFor its part, acts as a locomotive with + 175% volumestimulated by his fintech and his Pact. Not bad for an old continent long considered too slow. Thanks to Mica, cryptos find a land of clarity there. Judging by the size of the issues, it is not small investors who move, but institutional actors.
Stablecoins: America wants to reign … but leaves the road
THE Genius act, Adopted by the American Senate on June 17, 2025, resembles A strong answer. But by wanting to regulate quickly, Trump and his administration placed A cage around the stabbles. This law requires 1: 1 reservations, monthly audits and prohibit payments of interest to holders. And that causes problems.
Michel Khazzaka, Crypto analyst, without criticism:
You get a token on your own money that you can only use to pay. They take real money, invest it and keep yields.
98% of Circle’s income in 2024 came of interest to the reserves.
Narratively, America tries to anchor the dollar in the digital agewhile controlling each equipment. In the meantime, Mica allows European issuers to operate anywhere in Europe. Result: a more fluid cryptographic economy, and less limited but more dynamic stablecoins. Genius aims to reassure, Mica releases. And the market chooses.
Stablecoin fragments standards… and Bitcoin is advancing
On the international front, It is each to his own law. The United Kingdom is preparing its rules. Japan is loosening reserve management. Hong Kong needs a local license to distribute Stablecoins. This patchwork makes interoperability difficult, even illusory. Result? Global fragmentation threatening liquidity.
Tim (@ Tim38300817) summarizes: “You cannot build around rules without understanding them deeply. “Platforms are forced to make choices.
And in this regulatory fogBitcoin advances, without being discouraged. Michel Khazzaka says it clearly: “In a world of limited assets, the only free money … may well be the one that no one can stop“. Without permission, without border, BTC is reborn like the Refuge value for stable to disillusionment holders.
Key figures to remember:
- + 70% of cryptography volume in Europe on pay faces in the first quarter of 2025;
- 35% drop in cryptographic volumes on Robinhood;
- Only 18% of Coinbase activity still comes from retail investors;
- $ 1.68 billion in $ for the circle in 2024;
- 98% of this turnover comes from interest on reserves.
Trump walked on gas. With Genius, he wanted to act quickly … very quickly. But in this brutal acceleration, some see a maneuver to save the dollar, faced with a world which gradually abandons it. Ironically, Europe, with its well -oiled rules, moves faster. The dice are rolled again.
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The Blockchain and Crypto revolution is underway! And the day when the impacts will be felt on the most vulnerable economy of this world, countertopury, I would say that I was there for YL
Non-liability clause
The points of view, the thoughts and opinions expressed in this article belong only to the author and must not be considered as investment advice. Do your own research before making investment decisions.
