In this discussion, Keith Grose from Coinbase, a crypto and payments innovator, Adam Bialy of Fiat Republic, a banking veteran for crypto firms, and Amélie Arras from Zumo, focusing on compliance and sustainability, dissect whether 2025 will be a turning point for crypto. They debate the balance between financial freedom and regulatory oversight as crypto moves from speculation to a financial backbone. The trio also highlights the importance of consumer education and the evolving role of tokenization and Central Bank Digital Currencies in the financial landscape.