Bitcoin ETF: A Decisive Turning Point With The Stabilization Of Flows
Like a tightrope walker swaying between two cliffs, Bitcoin ETFs evoke as much hope as chills. In recent weeks, a timid recovery of positive flows has given the market a semblance of breath. But behind this surge lies a darker reality, highlighted by CryptoQuant: Bitcoin exchange-traded funds (ETFs) are navigating a critical turbulence zone. Between deceptive stabilization and macroeconomic threats, BTC is walking a tightrope.
Since their launch, Bitcoin ETFs have embodied a revolution for institutional adoption. However, data from CryptoQuant reveals a mixed picture.
The first chart shows a drop of 12% from the historic high (ATH) reached in early 2025, amounting to nearly $5 billion evaporated.
A painful decline contrasting with the euphoria of the preceding months, marked by aggressive accumulation of bitcoin. Investors, once conquerors, now seem hesitant to nourish the giant.
The second chart drives the point home: while 2024 propelled net inflows to $30 billion, 2025 starts in troubled waters. Flows have reversed, plunging into negative territory.
A turnaround reminiscent of the upheavals in traditional markets facing persistent inflation or capricious interest rates. Institutions, caught between the desire for yield and risk aversion, are now playing for time.
Finally, the third chart offers an ambiguous glimmer: daily flows of Bitcoin ETFs are stabilizing, but in a fragile balance. Supply and demand remain lethargic, hanging by a thread.
“It’s the calm before the storm or the saving lull,” summarizes an analyst . In this context, every capital movement takes on the appearance of a roll of the dice.
Despite massive withdrawals, one detail intrigues: Bitcoin ETF holders remain predominantly profitable. The average breakeven price ($72,546) contrasts with the current $87,000 price of bitcoin, providing a latent margin of 17%.
A paradoxical situation: even in the event of panicked sales, most investors would come out winners. However, this profitability could also fuel an illusion of security, masking the market’s vulnerability.
The recent inflows of $800 million in eight days, however, shake up the forecasts. A resurgence that raises questions: is it a return of confidence or a final gasp before a retreat? Bitcoin, on its part, is struggling to gain a measly 2.4% over a week, moving within a narrow corridor. Like a sleeping volcano, its latent energy could explode… or extinguish.
Still, there is the macroeconomic variable, a sword of Damocles hanging over the ETFs. Amid geopolitical tensions and monetary uncertainties, institutional investors adjust their positions in real-time. Flows, now more responsive than ever, reflect this dance with the unpredictable.
Bitcoin ETFs today embody the paradox of a market that is both resilient and fragile. Their recent stabilization is neither a guarantee of sustainability nor a harbinger of chaos. Like a seismograph, it records the tremors of a transforming financial world.
The question is not whether a crash will occur, but how the market will digest these convulsions. Between fear and opportunity , bitcoin remains, more than ever, a mirror of our collective uncertainties. To be continued with a critical eye… and an agile portfolio.
Most EU Banks Are Still Shunning Cryptocurrencies Despite The Demand
A recent study by Bitpanda reveals a significant gap between the offerings of European financial institutions and the actual needs of crypto investors. Less than 20% of banks currently offer services related to digital assets despite a strong increase in demand.
A survey conducted by Bitpanda among 10,000 investors across 13 European countries reveals a striking gap. More than 40% of institutional investors already own cryptocurrencies, and 18% plan to invest in them soon.
Despite this enthusiasm, only 19% of European financial institutions offer services related to crypto assets.
This gap is all the more significant as banks considerably underestimate their clients’ interest. Only 19% of institutions surveyed claim to perceive a strong demand for crypto products, revealing a perception gap of 30% compared to actual adoption.
The study also demonstrates that 27% of individuals would prefer to invest in crypto through their traditional bank rather than through specialized platforms. This preference represents a significant business opportunity that the majority of banking institutions continue to overlook.
According to Lukas Enzersdorfer-Konrad, Deputy CEO of Bitpanda, the barriers to crypto adoption by banks are mainly internal and not regulatory.
Financial institutions in Europe recognize the sustainability of cryptocurrencies, but the majority still do not offer services suited to investor demand, he explains.
The lack of resources and knowledge is the main obstacle within banking institutions. This situation exposes them to a real risk of losing revenue to more agile or specialized players.
Currently, 36% of professional investors already prefer dedicated exchange platforms for their crypto operations.
In light of this observation, 118% of financial institutions are considering expanding their crypto services, particularly in the area of transfers. Furthermore, 28% of the surveyed institutions anticipate a growing importance of cryptocurrencies in the next three years.
With the entry into force of the European MiCA regulation providing a clear legal framework, European banks face a crucial choice: adapt quickly to the new expectations of their clients or risk having their revenues captured by more responsive competitors.
Celo Is Now an Ethereum Layer 2 With Faster Blocks
Finally, the Celo network has truly transformed. From a Layer 1 blockchain that has stood alone, it has now officially joined the Ethereum Layer 2 space. The migration process was quite complex, even causing block production on the Celo main network to be temporarily halted. But now, everything is back up and running.
Celo now operates as an Ethereum Layer 2 with block times cut from five seconds to just one second. For those who are used to waiting for transaction confirmations, like waiting for a train that never comes, this is good news.
🏡 @Ethereum , we're home!
Following a successful "hard hard fork" led by core contributors at @cLabs & L1 validators, Celo is officially an Ethereum Layer 2 🪨 🪨 🍴
What does that mean for the diverse, global decentralized ecosystem? Keep reading to find out ↓ pic.twitter.com/slW1W5oRmP
— Celo.eth 🦇 🌳 (@Celo) March 26, 2025
This change also brings a feature that previously felt half-baked: cross-network interoperability. Celo now supports direct bridging with Ethereum natively.
This means that the flow of assets and data between the two networks is smoother without having to cross a complicated or expensive bridge. Imagine being able to move your wallet from one network to another, like moving your wallet from your left pocket to your right pocket.
Furthermore, this migration was not done just for the sake of moving. Celo also partnered with Alchemy, a platform known for its robust infrastructure for developers. The goal is clear: to help developers build more reliable and connected applications.
The collaboration is a new foundation, as many developers in the Ethereum ecosystem are already familiar with Alchemy’s features.
Now, with all these updates, Celo seems ready to go even faster. The network is no longer a small stand-alone player, but rather part of the much broader Ethereum ecosystem. However, their approach remains down-to-earth: cheap, fast, and accessible.
Transaction fees on the new network can even be as low as $0.0005, so cheap it feels like nothing. This could be a big draw, especially for users in cost-sensitive developing countries.
Looking back, Celo has introduced the Celo Citizen Retro program, which was announced in December 2024. This program provides funding of 250,000 CELO for projects that have made significant contributions to building the ecosystem and making crypto more grounded in everyday life. Applications opened on December 20, 2024, and the response was quite warm.
Still in December, CNF reported another interesting integration: Band Protocol entered Celo Alfajores, Celo’s Layer 2 testnet, to supply real-time price data. This is great news for DeFi, GameFi, or perhaps NFT applications needing precise data.
The prices shown are not only estimates or based on data a few minutes old. Band Protocol offers access to more safe cross-chain feeds including real-time ones.
Meanwhile, as of the writing time, CELO is trading at about $0.3986, up 1.68% over the last 24 hours. It is driving its market cap to surpass the $225 million mark.
Ripple Expands Africa Footprint With Chipper Cash Partnership
U.S.-based digital asset infrastructure provider Ripple has partnered with Nigerian fintech startup Chipper Cash to support cross-border payments into Africa using Ripple Payments. The partnership enables Chipper Cash’s millions of customers to receive funds from around the world at any time of day.
According to a statement, the partnership significantly reduces the time and friction involved in moving value into Africa. Additionally, using digital asset rails ensures that fees for transferring funds across borders will be considerably lower. Reece Merrick, managing director for the Middle East and Africa at Ripple, described the partnership with Chipper Cash as a key milestone in the company’s expansion into Africa. He added:
By integrating our technology into Chipper Cash’s platform, we’re enabling faster, more affordable cross-border payments while driving economic growth and innovation across the markets they serve. With over a decade of experience in tokenizing real-world assets, Ripple’s journey began by bringing fiat currencies on-chain to simplify international money transfers. As the global cross-border payments market grows, more institutions like Chipper Cash are tapping into the transformative power of blockchain technology to drive efficiency and innovation.
Ripple, the statement explained, is well-positioned to provide financial institutions with essential tools for tokenization, storage, exchange, and movement of digital assets. Specifically, Ripple Payments is said to offer extensive global coverage across more than 90 payout markets, handling over 90% of daily foreign exchange volume exceeding $70 billion.
Ham Serunjogi, co-founder and CEO of Chipper Cash, said crypto-enabled payments not only support financial inclusion but also help African businesses and individuals gain access to global markets. He added that the partnership with Ripple exposes Chipper Cash customers to the benefits of blockchain technology.
“By integrating with Ripple’s global payments network, we are excited to harness the transformative potential of blockchain technology to enable consumers to receive payments faster and at lower costs,” Serunjogi said.
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