Why incumbents matter for on‑ramps and trust

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Presented collaboratively by Early Riders & Onramp Media…

Final Settlement is a weekly podcast covering capital markets, dealmaking, early-stage venture, bitcoin applications and protocol development.

00:00 - The Arrival of Banks in Digital Assets

02:49 - Institutional Adoption and Regulatory Changes

05:46 - The Role of Traditional Banks in Digital Assets

08:43 - Partnerships and Trust in the Digital Asset Space

11:49 - The Impact of PNC's Bitcoin Trading

14:54 - User Behavior and Market Dynamics

17:56 - The Future of Banking and Digital Asset Integration

20:51 - The Centralization Debate in Digital Assets

23:46 - The Evolution of Financial Products

29:26 - Navigating Market Challenges

31:50 - The Rise of Stablecoins in Tech

34:27 - Cultural Shifts in Digital Payments

36:16 - Blurring Lines in Financialization

40:45 - Innovations in Banking and Fintech

44:55 - Around the Horn: Insights and Predictions

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Links discussed:
https://www.occ.gov/news-issuances/news-releases/2025/nr-occ-2025-125.html
https://x.com/BitGo/status/1999514929314038040
https://www.investing.com/news/company-news/paribu-acquires-majority-stake-in-coinmena-in-turkeys-largest-fintech-deal-93CH-4392748
https://www.theblock.co/post/382111/stripe-acquires-valora-wallet-team-builds-stablecoin-services
https://www.globenewswire.com/news-release/2025/12/08/3201287/0/en/AllScale-Raises-5M-Seed-Led-by-YZi-Labs-to-Build-World-s-First-Self-Custody-Stablecoin-Neobank.html
https://www.loopcrypto.xyz/blog/loop-crypto-is-joining-lead
https://www.theblock.co/post/381903/pnc-bitcoin-trading-high-net-worth-clients-coinbase-tie-up
https://archive.ph/tqGv6#selection-1037.11-1037.97
https://bitcoinmagazine.com/news/coinbase-prediction-tokenized-stocks
https://x.com/TheBlock__/status/1998886176447488055?s=20
https://www.theblock.co/post/382209/binance-api-update-hints-at-stock-perpetual-contracts-as-exchanges-eye-tradfi-markets
https://x.com/gondorfi/status/1998800082070884751?s=20

Keep up with Michael:

https://x.com/MTanguma
https://www.linkedin.com/in/mtanguma/

Keep up with Brian:

https://x.com/BackslashBTC
https://www.linkedin.com/in/brian-cubellis-00b1a660/

Keep up with Liam:

https://x.com/Lnelson_21
https://www.linkedin.com/in/liam-nelson1/