DMD Weekly FinTech Trend Report
May 19, 2025
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THIS WEEK’S PREMIUM CONTENT:
Lesson 2: Secure It Like You Mean It
Now that you control your crypto, it’s time to protect it. In this lesson, you’ll learn five essential habits to keep your digital assets safe—from enabling two-factor authentication (2FA) to properly storing your seed phrase offline. You’ll complete a simple security checklist to strengthen your defenses and avoid the most common (and costly) mistakes in self-custody.
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📰LEAD STORY
Who Gets Left Behind in Crypto’s Banking Revolution?
Last week, the OCC issued new guidance allowing federally regulated banks to offer crypto custody, trading, and related services. The Federal Reserve and FDIC followed suit, removing key barriers that had long prevented banks—especially smaller ones—from stepping into the digital asset space.
While this is being hailed as a watershed moment for innovation and market access, I had to ask: Access for whom? And at what cost?
In my latest Forbes article, I explore how this green light for crypto banking may unintentionally widen the gap between big banks and community-based institutions, especially Black-owned and mission-driven banks. These local anchors of trust and financial education are now facing a new kind of pressure—to modernize fast or risk falling further behind.
But innovation is not inclusion. Smaller banks face structural hurdles that big institutions don’t: limited capital, tighter regulatory scrutiny, and vendor dependence that could siphon away customer relationships. If they hesitate—and understandably so—we risk creating a two-tiered crypto economy, where digital assets become yet another premium service for the already well-served.
I outline how we can avoid this future and what it will take to ensure that digital asset innovation actually supports economic empowerment—not just market expansion.
💬 Then come back and let me know: How should community banks navigate this moment?
NEWS & TRENDS DIGEST
1. JPMorgan CEO Jamie Dimon Allows Clients to Buy Bitcoin—No Custody
JPMorgan Chase will permit clients to purchase Bitcoin but will not offer custody services, according to CEO Jamie Dimon. This marks a significant shift from his previous stance, where he had dismissed Bitcoin as a "fraud" and a "pet rock." Dimon emphasized that while he personally remains skeptical of Bitcoin, he supports clients' right to invest in it. The bank's decision reflects a broader trend of financial institutions engaging with cryptocurrency markets.
2. Bitcoin Hits Record Weekly Close Above $106,500 Amid ETF Inflows and Inflation Concerns
Bitcoin achieved a record weekly close above $106,500, approaching its all-time high of $108,786. This surge is attributed to significant inflows into U.S.-listed spot Bitcoin ETFs, totaling $2.8 billion in May, and renewed concerns over inflation. The Federal Reserve's cautious stance on interest rate cuts and trade-related inflation risks have further fueled investor interest in Bitcoin as a potential hedge.
3. U.S. Senate to Revote on GENIUS Act for Stablecoin Regulation, Needing 60 Votes for Cloture
The U.S. Senate is set to hold a key procedural vote on the GENIUS Act, legislation aimed at regulating stablecoins. The bill requires 60 votes to advance, and its passage faces challenges due to concerns over foreign stablecoin issuers and anti-money laundering provisions. Notably, the bill's potential impact on President Trump's crypto ventures has also drawn scrutiny.
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THIS WEEK ON CONFIDENTLY CRYPTO™ with DR. TONYA
I explore how cryptocurrency continues a legacy of encrypted resistance and financial empowerment in Black communities. Learn why crypto privacy matters, how it builds on trusted community finance traditions, and what Bitcoin’s recent resilience means amid economic uncertainty. Plus, stay updated on key news including US credit rating changes, institutional crypto moves, and global security concerns.
🎧 Where to Listen:
PREMIUM CONTENT
In depth coverage of the latest trends in crypto, blockchain and fintech law and policy and how to pivot your portfolio and practice with purpose in the digital economy.
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📅 Weekly Lesson Schedule:
Lesson 1: Not Your Keys, Not Your Crypto
Learn why self-custody matters—and how to set up your first wallet the right way.
TODAY: Lesson 2: Secure It Like You Mean It
Get your digital house in order with five must-do security steps for every crypto holder.
Lesson 3: Track It to Grow It
Build a simple but powerful system to monitor your crypto portfolio and stay ready for tax time.
Lesson 4: From Fear to Framework
Create your personal crypto strategy, complete with your “why,” risk profile, and investment rhythm.
Lesson 5: Tax Time
Understand what crypto activity is taxable—and take early steps to stay compliant and stress-free.
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