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Crypto exchanges and stablecoin issuers in Australia could soon face stricter licensing rules under a proposed regulatory shake-up. On March 20, the Treasury released a new policy paper outlining plans to bring key parts of the digital asset industry under existing financial services laws. According to authorities, the regulations would help “identify opportunities, manage risks, unlock innovation, protect consumers and uphold market integrity.” Under the proposed framework, crypto platforms that hold digital assets for customers, such as exchanges, custodians, and certain brokerages, will need to operate under an Australian Financial Services Licence. Platforms that deal in tokenized stored-value facilities, such as some stablecoin issuers, will also be brought into the fold. These issuers will need to meet the same requirements as other stored-value providers, including clear rules for redeeming value and safeguarding customer assets. Authorities noted that this approach would “address the unique risks of [Digital Asset Platforms] and Tokenised SVFs,” with additional disclosure rules to be implemented for tokens that don’t have clear issuers. However, businesses that create digital assets for non-financial purposes, maintain infrastructure or build blockchain software won’t be regulated under the new laws. Small-scale and early-stage platforms could also get a pass from full licensing requirements, though they may still need to meet some tailored compliance rules according to the policy paper. Stablecoins used for payments will face oversight similar to that of traditional non-cash payment systems, as they’ll be treated as stored-value facilities under the broader payments reform. However, dealing in these tokens or trading them on secondary markets won’t automatically count as financial dealing. The platforms involved in such trades won’t be considered financial markets simply because they list stablecoins or wrapped tokens. A draft law is expected to drop sometime in 2025, with rollout dates to be confirmed once the legislation is finalized. The government also addressed the growing problem of de-banking, where crypto businesses are denied banking services. Officials said they’re working closely with Australia’s major banks to “understand the extent and nature of de-banking.” In recent years, de-banking has become a major headache for crypto firms in Australia, with big players like Commonwealth Bank, Westpac, NAB, and HSBC Australia cutting off or restricting services to such entities. “De-banking can have a devastating impact on de-banked businesses and individuals. It can also stifle competition and innovation in the financial services sector and negatively impact Australia’s economy,” authorities noted, adding that the proposed framework would strengthen risk management across the crypto sector and, in turn, improve trust with banks. Looking ahead, regulators will also explore how tokenisation could reshape asset markets, assess crypto tax reporting standards, monitor DeFi developments, and weigh the potential benefits of a central bank digital currency for Australia’s financial system.

Lumia and Polygon Labs, two notable players in the blockchain space, are set to transform the real estate industry via tokenization. Lumia CEO Kal Ali disclosed a collaboration with Polygon to build the world’s first crypto real estate project, Lumia Towers. The Lumia Towers, estimated at $220 million, are anticipated to be completed and fully tokenized by the second quarter of 2026. This massive infrastructure, a pair of skyscrapers spanning over 50,000 square meters, is located in Istanbul, the largest city in Turkey. It is set to house 300 residential and commercial units and is poised to become a global crypto hub. According to Ali, Lumia Towers represents a breakthrough in how people approach real estate ownership. Leveraging the tokenization model, Lumia plans to make the real estate market more accessible, open, and seamless for retail investors. According to Landshares data , tokenized real-world assets are valued at around $187 billion. In the bear-case scenario, they are estimated to rise between $3.5 trillion and $10 trillion in the bull case by 2030, reflecting a potential 50-fold growth. Ventures attempting to fractionalize high-value assets through blockchain technology are largely responsible for this explosive expansion. They make it possible for investors to own commercial and residential properties by buying tokens. However, despite the promise of democratizing real estate investment, challenges like regulatory complexities and market liquidity issues still exist. This could lead to potential risks down the line for Lumia. For instance, investors may find it difficult to buy or sell real estate ownership tokens if there is no sufficient trading volume, limiting the anticipated liquidity benefits. In previous instances, other tokenization projects focused on existing buildings. In the US, Tokeninvest purchased a $740,000 building in Longmont, Colorado, and tokenized it. This allowed third-party investors to supply 97% of the purchase capital directly. Boris Spremo, Head of Enterprise and Financial Services for Polygon Labs, admitted that barriers to entry in the real estate market are “sky-high.” However, real estate prices have continued to rise in Turkey, where the Lumia Towers will be built. Ali explained that Lumia will grant ownership rights for the tokenized twin skyscrapers through Special Purpose Vehicles (SPVs). Users can receive shares of the SPVs minted on-chain as ERC-20 tokens. These tokens give holders governance rights, allowing them to vote on decisions regarding the use of the property, like whether to rent or sell. Ali added that Lumia Towers tokens will launch on the Lumia Chain, granting easier access for retail investors. Polygon will play a key role in ensuring that developers like Lumia can customize their blockchain for this specific use case. Boris Spremo explained that Polygon will lower the cost of tokenizing ownership of the $220 million infrastructure without compromising security. Ali disclosed plans to expand the Lumia Towers model to other regions, such as the Middle East and North Africa, the US, and Europe. The Lumia Towers announcement comes amid a surge in real-estate tokenization. As we discussed earlier, Tether has partnered with Reelly Tech to integrate USDT into UAE’s booming real estate market. Before this integration, the New York Real Estate Fund (NYREF) tokenized an $18 million property in the heart of New York City. In a previous article we examined , Ripple CEO Brad Garlinghouse revealed increased demand for XRP as a preferred payment solution within the real estate sector.

Fold Holdings, the first publicly traded bitcoin-native financial services company, has significantly expanded its bitcoin treasury by adding 475 BTC, bringing its total holdings to 1,485 BTC, valued at nearly $130 million. This 50% increase in bitcoin holdings was made through the issuance of a convertible note with a conversion price of $12.50 per share, more than double the company’s closing share price on March 5. The strategic move mirrors the capital-raising tactics pioneered by Michael Saylor’s Strategy, reinforcing Fold’s alignment with the long-term growth of bitcoin. With this acquisition, Fold secures a top 10 position among U.S. public companies with the largest bitcoin reserves, a list that includes giants like Strategy (formally Microstrategy) and Tesla. “We believe bitcoin will play a key role in the foundation of a new financial era, and Fold will help lead the way. We believe maintaining a significant bitcoin treasury not only drives value for our shareholders but more importantly, strengthens our ability to power the next generation of financial services built on bitcoin,” said Will Reeves, Fold CEO. The company, which began trading on the Nasdaq in February under the ticker FLD, has also rewarded over $20 million worth of BTC to users through its debit card, insured accounts, and bill pay services. As global interest in BTC as a strategic reserve asset grows, Fold continues to position itself at the forefront of bitcoin-centric finance. Its expanding treasury reflects a belief in bitcoin’s role as the foundation for future financial infrastructure. 免责声明：本文章仅代表作者个人观点，不代表本平台的立场和观点。本文章仅供信息分享，不构成对任何人的任何投资建议。用户与作者之间的任何争议，与本平台无关。如网页中刊载的文章或图片涉及侵权，请提供相关的权利证明和身份证明发送邮件到[email protected]，本平台相关工作人员将会进行核查。

Fold Holdings has added 475 Bitcoin to its corporate treasury, increasing its total holdings to over 1,485 BTC. The acquisition, made through a convertible note issuance with a conversion price of $12.50 per share — more than double FLD’s March 5 closing price — places Fold among the top 10 U.S. public companies with the largest Bitcoin ( BTC ) treasuries. This means that Fold’s Bitcoin holdings are currently worth over $135 million. The company’s flagship product, the Fold app, allows users to earn Bitcoin rewards on everyday purchases through its debit and credit card offerings. This approach has resonated with consumers looking to accumulate Bitcoin as part of their regular spending habits. “As the first publicly traded bitcoin financial services company, we believe maintaining a significant bitcoin treasury not only drives value for our shareholders but also strengthens our ability to power the next generation of financial services built on bitcoin,” said Fold CEO Will Reeves. Fold officially went public on the Nasdaq under the ticker “FLD” in February, increasing its visibility and allowing investors to engage with its bitcoin-focused vision. Nasdaq plans to introduce 24/5 trading, allowing investors to trade stocks continuously from Sunday evening to Friday night. At the time of writing, Fold’s stock is trading at $8.18 per share.

Fold adds 475 $BTC, increases holdings to 1,485 $BTC Bitcoin-only financial services app Fold Holdings (NASDAQ: FLD) increased its Bitcoin (BTC) treasury by nearly 50%, acquiring 475 BTC through a convertible note, according to CoinDesk. This brings its total holdings to 1,485…