Polygon Executive Explains Why Big Finance Wants Crypto in 2025 — and Why Retail Doesn’t

A senior executive at Polygon has sparked a fresh debate by breaking down one of 2025’s biggest mysteries: Why are major financial institutions rushing into crypto while everyday retail investors remain hesitant? The explanation reveals a widening gap in how different groups see the future of digital assets — and what each is betting on.

According to the executive, big finance isn’t buying crypto for memes, hype, or quick flips. Banks, asset managers, and payment giants are targeting crypto because of one thing: infrastructure. They see blockchains — including networks like Polygon — as the next-generation rails for settlement, tokenization, and global finance. In other words, institutions are betting on efficiency: faster payments, cheaper settlements, programmable assets, and tokenized markets worth trillions.

Retail traders, however, are dealing with a completely different experience. High volatility, painful liquidations, complex wallets, bad user interfaces, and endless scams have burned many individual investors. For them, crypto still feels risky, confusing, and exhausting. While institutions are focusing on utility, retail investors are still stuck navigating the chaos of speculation.

The Polygon executive argues that for retail to return in force, crypto must become invisible in the background — easy to use, simple to trust, and integrated into everyday apps without requiring technical knowledge.

Until that happens, the divide will continue:

Institutions are building the future of finance, while retail waits for crypto to feel safe again.