🌍 Latest Global Trends: The Future of Money Without Banks Becomes Reality

In recent years, regulations concerning stablecoins and crypto assets have been established in countries around the world, and an era where people can hold assets, send money, and make payments without going through banks is becoming a reality.
In this article, we will introduce the latest international movements from eight regions and consider the future that lies ahead.

1. United States: Enactment of the GENIUS Act 🇺🇸

In July 2025, the U.S. Senate passed the GENIUS Act. This law allows financial institutions such as banks to officially issue stablecoins backed by highly credible assets like the dollar. Previously, the legal framework was ambiguous, causing anxiety among investors and users, but this law has advanced ensuring transparency and consumer protection.
As a result, the foundation is being laid for stablecoins to be integrated into society as a "daily payment infrastructure" rather than a tool for speculation.
👉 Source: Wikipedia – Stablecoin

2. United Kingdom: Discussions on Stablecoin Holding Limits 🇬🇧

The Bank of England has proposed a plan to set a limit on the amount of stablecoins individuals can hold. The background to this is the concern that a massive shift of funds from bank deposits to stablecoins could shake the stability of banks.
In other words, it can be said that this move shows the reality that people are starting to choose stablecoins over banks. While it is a threat to financial institutions, from the user's perspective, it is also a change that "expands choices."
👉 Source: Financial Times – Crypto groups hit out at Bank of England plan to limit stablecoin ownership

3. Bahrain: New Stablecoin Legislation 🇧🇭

Bahrain in the Middle East has established comprehensive laws regarding crypto assets. Particularly noteworthy is the point that it has positioned crypto assets, including stablecoins and Bitcoin, as a "foundation for official payments and transactions."
This is not just a tightening of regulations, but shows the country's stance of actively embracing crypto assets. Bahrain is a leader among Gulf countries in introducing digital finance and is aiming for a position as an international financial hub.
👉 Source: Times of India – Bahrain’s new stablecoin law

4. EU (European Union): Start of MiCA Application 🇪🇺

The EU enacted the "Markets in Crypto-Assets Regulation (MiCA)" in 2023 and fully implemented it from December 2024. This has established common rules across all EU member states, bringing legal stability and reliability to stablecoin and crypto asset transactions.
Until now, regulations varied by country, which was a barrier to entry for companies and investors, but with MiCA, "the entire EU has become a single market". This can be called a groundbreaking initiative globally.
👉 Source: Wikipedia – Markets in Crypto-Assets (MiCAR)

5. Singapore: Movements in the Stablecoin Regulatory Framework 🇸🇬

The Monetary Authority of Singapore (MAS) announced the "Stablecoin Regulatory Framework" in 2023. Its feature lies in the high level of transparency that mandates 100% backing assets.

• Issuers must be based in Singapore

• Maintain reserves equal to the amount of coins issued in cash or short-term government bonds

• Exchange for fiat currency within 5 business days upon redemption request

• Disclose information through audits and white papers

Leveraging its strength as a financial hub, Singapore has launched regulations that will serve as a model case for the world.
👉 Source: Fintech Law Blog – Stablecoin Regulatory Framework in Singapore

6. UAE (United Arab Emirates): Multi-layered Regulations and Advanced Systems 🇦🇪

The UAE regulates crypto assets with a dual structure at the federal level and the emirate level (particularly Dubai and Abu Dhabi). In particular, Dubai's VARA (Virtual Assets Regulatory Authority) has granted licenses to some of the world's largest exchanges, increasing its presence as an "international hub for crypto asset business".
By establishing a system that allows the use of stablecoins without going through banks, it is significantly changing the way finance works in the Middle East region.
👉 Source: DLA Piper – The regulatory landscape for digital assets in the UAE, Neos Legal – UAE Crypto Regulation: Q3 2025 Update

7. Brazil: Progress of the Virtual Assets Act and CBDC 🇧🇷

Brazil enacted the "Virtual Assets Act" in 2022 and implemented it from 2023. This law aims for a sound market by placing crypto asset service providers under the supervision of the central bank and securities commission and mandating AML/KYC.
Furthermore, in 2025, pilot experiments for a CBDC (Digital Real) also began, and it is aiming to lead South America with the "two pillars" of crypto assets and central bank digital currency. Through this, financial inclusion (expanding access to the unbanked population) is also expected.
👉 Source: Lightspark – Is Crypto Legal in Brazil?, CMS Law – Expert Guide to Crypto Regulation in Brazil

🔭 Summary & Insights

Looking at these movements, a common trend emerges:

• Stablecoins/crypto assets are shifting from speculative targets to everyday payment infrastructure

• The role of banks is shrinking, and the convenience of blockchain and DeFi is gaining attention

• Legal frameworks in various countries are advancing, making them a 'safe and reliable option' for users

🚀 Toward the Future of Deobank

Traditional banks are shifting their roles from 'places to deposit funds' to 'providers of trust and regulatory compliance.'
Meanwhile, people are seeking mechanisms to safely manage and operate assets without going through banks .

What makes this possible is the 'Deobank' model of the Web3 era.
And leading the way is the Wefi project.

By balancing 'transparency' and 'autonomy,' Wefi is attracting attention not just as an investment destination, but as a presence that will shoulder the financial infrastructure of the future✨

✨ A new form of money that does not depend on banks has already begun.
And the future envisioned by Web3 Deobank Wefi is firmly connected to that flow.

There is no point in resisting this major global trend. Why not just ride the 🌊 wave and try it out? I believe this will change the mindset that saving money in a bank is the only standard.

You can still be an early adopter of this project, and there are benefits unique to being early. First, start with a simple registration that only takes a few minutes with your email address💰➡️ https://ito.wechain.ai/sign-up?promo=rwqqkol9d4

If you have any questions after registering, please feel free to contact me via DM on X 🐕Mochi🐕 or via email at 📩mochi.wfi@gmail.com📩, and I will provide support.

Alternatively, I have also written down the steps for a simple investment method on this Note.
I recommend reading the following three in order👍

🚨🚨🚨By the way!!🚨🚨🚨

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A valuable opportunity to learn directly about 'WeFi,' the world's first on-chain banking project that is pioneering the next generation of finance, is coming to Osaka!

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The rules of finance are already changing. Web2 common sense is outdated, and in the Web3 world, 'transparency' and 'value creation through participation' are the norm. Please see for yourself a system that is more rational and reliable than traditional banks!

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⚠️ What I have written here is merely my own thoughts and experiences.
If you fail, I cannot take responsibility, so please research and judge for yourself until you are satisfied.
Invest within your means and at your own pace.