coinbase

📅 January 24
For years, traditional banks viewed cryptocurrencies as a fad, a technological experiment with no major impact on the global financial system. Then came skepticism. Then, the regulation. And now, according to Brian Armstrong himself, CEO of Coinbase, the conversation has completely changed.

📖Brian Armstrong shared on X that, during his week in Davos, the majority of financial leaders he spoke to were not only open to cryptocurrencies, but were actively looking for ways to integrate them into their operations.
The change in position has a clear reason. Banks rely on legacy payment rails, slow clearings, and multiple intermediaries to move value. In contrast, stablecoins and tokenized assets allow for near-instant transfers, direct settlements, and frictionless global access.
According to Brian Armstrong, one of the most discussed topics at Davos was tokenization, which is no longer limited to stablecoins, but is expanding to stocks, credit and other financial products. This trend could allow asset managers, fintechs or digital platforms to offer direct access to tokenized securities without having to go through a traditional bank.
Brian Armstrong also mentioned the 4 billion adults “unbanked” or without access to quality investments in the world, noting that tokenization could close that gap through direct access from a digital wallet.
On a political level, he highlighted the Trump administration's support for laws such as the CLARITY Act, designed to provide a clear regulatory framework for digital assets. According to him, the United States is positioning itself as the “most pro-crypto” government in the world, at a time when countries like China are aggressively advancing stablecoin-based infrastructure.
Another key point was the convergence between AI and crypto. Brian Armstrong argued that future AI agents will likely use stablecoins as the default payment method, completely bypassing traditional banking controls and legacy identity processes.

Topic Opinion:
When the largest banks in the world start talking about cryptocurrencies in terms of existential threat, it means that they already understood something that the retail market saw years ago: crypto does not compete with financial products, it competes with the infrastructure itself of the system.
💬 Are we seeing the beginning of the transformation of the banking system?

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While the retail market often experiences "price shock" when Bitcoin climbs toward six figures, the world’s largest financial institutions are looking at the $85,000 to $95,000 range and seeing a bargain.
A recent survey conducted by Coinbase reveals a striking shift in professional sentiment: over 70% of institutional investors believe Bitcoin is currently undervalued, even as it hovers near all-time highs.
The "Smart Money" Thesis
For pension funds, hedge funds, and family offices, the valuation of Bitcoin is no longer driven by speculative hype, but by fundamental integration. Several factors explain why institutions view $90K as a "discount" price:
* ETF Absorption: The success of Spot Bitcoin ETFs has created a consistent "supply shock," where demand from regulated products frequently outpaces the daily production of new coins.
* The Store of Value Narrative: As global debt levels rise, institutional players increasingly view Bitcoin as "Digital Gold"—a hedge against currency debasement that still has a significantly lower market cap than physical gold.
* Corporate Adoption: With more S&P 500 companies following the MicroStrategy playbook of adding BTC to their treasuries, the asset is being reclassified from a "risky bet" to a "strategic reserve."
A Shift in Horizon
The Coinbase survey highlights that institutional "diamond hands" are becoming the norm. Unlike the volatile retail cycles of the past, these investors typically operate on 3-to-5-year horizons. To an entity looking at the potential for Bitcoin to capture a larger share of the global $14 trillion gold market, a price under $100,000 represents an attractive entry point rather than a peak.
> "The data suggests that the 'Fear of Missing Out' (FOMO) has been replaced by 'Calculated Accumulation.' Institutions aren't just watching the price; they are analyzing the liquidity and the infrastructure, which have never been stronger."
> What this Means for the Market
When the majority of "Smart Money" believes an asset is undervalued, it typically creates a strong price floor. While volatility is a staple of the crypto markets, the institutional consensus suggests that the $85K–$95K range may be the new baseline for the next leg of the bull cycle.
As the industry edges closer to the psychological $100,000 milestone, the message from the big players is clear: The rally isn't over; it's just maturing.
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