Let’s be honest.

Last month, I released a white paper explaining that conservative investors should allocate 10% to crypto, moderate clients should invest 25% and aggressive investors should place 40% of their portfolios into crypto.

Bitcoin has outperformed every other asset class for 12 of the past 15 years, and it’s highly likely that it will continue to do so for years to come. Institutions are investing like never before. Congress and the administration now fully support crypto, and we’re beginning to get the regulatory clarity we’ve wanted.

The SEC and FINRA’s prohibitions that blocked brokerage firms from trading or custodying crypto have been rescinded. The OCC and the Fed have revoked similar prohibitions against banks, and the Department of Labor has rescinded its objection that prevented 401(k) plans from offering bitcoin as an investment option.

Despite the growth and performance of bitcoin, I keep seeing suggestions that people ought to allocate only 1 or 2 percent to crypto. In my opinion, that is no longer enough. Crypto is no longer speculative. It is no longer niche. It now deserves to be treated as a core allocation.

Consider this hypothetical illustration, comparing a traditional 60/40 portfolio of stocks/bonds to portfolios that hold 10 percent, 25 percent or 40 percent in bitcoin. Let’s assume we invest $100 for five years, earning 7 percent annually in the 60/40 allocation. Let’s also look at two extreme outcomes: bitcoin either becomes worthless, or it rises in five years to $1 million (roughly a 10x increase from today).

As you see in the chart below, the $100 invested in the 60/40 portfolio rises to $140 after five years. Not bad. But the portfolio with a 25 percent bitcoin allocation could be worth more than 250 percent more. Even if bitcoin were to become worthless (and you held it all the way to zero), your portfolio would still be profitable – with a value above your original investment. Seems to me that the risk/reward ratio strongly favors a significant crypto allocation – and certainly one that’s far higher than a measly 1 or 2 percent.

Potential Range of Portfolio Returns Based on Bitcoin Allocation

Bitcoin’s price appreciation isn’t speculation – it’s just supply and demand. In Q1 2025, public companies purchased 95,000 bitcoins – more than double the new supply. And that’s from just one category of buyers – it ignores additional demand from retail investors, financial advisors, family offices, hedge funds, institutional investors and sovereign wealth funds. This massive imbalance between supply and demand is driving bitcoin’s price to all-time highs. I predict that bitcoin will reach $500,000 by 2030 – a 5x increase as of this writing.

The adoption curve has tremendous room to run – supporting the thesis that there is substantial upside yet to come in bitcoin’s price. Read the white paper for more.

Ethereum developer Zak Cole is spearheading a new initiative called the Ethereum Community Foundation (ECF), which will primarily work to enhance the digital asset’s economic value.

The initiative was announced during the Ethereum Community Conference in Cannes, France.

Founded by Cole and a group of ecosystem supporters, the ECF has reportedly already raised “millions” and intends to allocate its treasury to projects that enforce immutability, avoid issuing new tokens, and implement mechanisms to burn Ethereum (ETH).

These requirements align with the foundation’s mission to reduce circulating ETH supply and strengthen the network’s monetary policy.

The ECF’s initial initiative, known as the Ethereum Validator Association (EVA), will give validators greater influence in protocol development by enabling them to signal preferences using their staked ETH.

The EVA will also invest in validator infrastructure to improve decentralization and network security.

Beyond validator initiatives, the ECF aims to fund real-world asset integrations that bring traditional financial instruments such as stocks, bonds, and real estate onto Ethereum’s blockchain. The foundation views these integrations as critical to institutional adoption, which it sees as a key driver of long-term network value.

Additionally, the ECF will prioritize funding for public goods that address technical challenges within the Ethereum ecosystem, including adjustments to mispriced blob space used in data availability layers.

Funding decisions will be governed by coin voting, allowing the broader Ethereum community to participate in determining grant allocations. The ECF has emphasized that all funding decisions, treasury movements, and project milestones will remain publicly transparent to ensure accountability and alignment with the community’s goals.

The launch of the ECF comes at a pivotal time for Ethereum, as the network undergoes a reorganization following executive changes at the Ethereum Foundation.

The ECF’s mandate extends to engaging with governments, regulators, and policymakers to promote Ethereum as a trusted institutional infrastructure layer. While specific backers of the foundation have not been publicly disclosed, further announcements regarding its supporters and upcoming funding rounds are expected in the coming weeks.

By focusing on projects that reinforce ETH’s economic integrity without introducing new tokens, the ECF is positioning itself as an alternative funding avenue within the ecosystem. It aims to complement but also differentiate from the Ethereum Foundation’s current priorities.

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The US House of Representatives has advanced a new bipartisan crypto legislation to promote Blockchain adoption in different areas and boost the nation’s competitiveness with federal support.

Blockchain Promotion Bill Passes US House

On Thursday, policy tracking platform Bitcoin Laws reported that the US House of Representatives passed a bill directing the US Secretary of Commerce to lead the national efforts to promote the competitiveness of the United States and the adoption of blockchain and other distributed ledger technologies (DLT).

In February, Republican Representative Kat Cammack introduced HR 1664, also known as the Deploying American Blockchains Act of 2025, to establish a Blockchain Deployment Program, aiming to develop best practices and explore the adoption of blockchain in multiple areas.

Excerpt of the Deploying American Blockchains Act of 2025. Source: Congress.gov

According to the bill, co-sponsored by Democratic Representative Darren Soto, the Secretary would be required to serve as the President’s principal advisor for the deployment, use, application, and competitiveness of blockchain and other DLT, and take the actions necessary and appropriate to support the US leadership in this sector.

These activities include developing policies and recommendations on blockchain deployment risks, while helping promote the national security and economic security of the United States concerning blockchain technology.

Additionally, it establishes that the US Secretary of Commerce must encourage and improve coordination among Federal agencies for the deployment of these technologies to offer federal support.

If signed into law, HR 1664 would also require the establishment of advisory committees to support the adoption of blockchain technology in the first 180 days after the date of the Act’s enactment.

Following its bipartisan support, the crypto legislation was received by the Senate earlier this week to continue the legislative process.

Crypto Legislation Advances In Congress

HB 1664’s passage follows the steps of other crucial crypto legislations in Congress, which have received significant bipartisan support in the two chambers. Recently, the stablecoin-related bill, the GENIUS Act, passed the Senate’s full vote and advanced to the House of Representatives.

Meanwhile, the House’s crypto market structure bill, CLARITY Act, passed its two committee markups at the start of the month. However, the future of both legislations seemed uncertain as some lawmakers pushed to package the two bills together.

As reported by Bitcoinist, House leaders were reportedly pushing to merge the GENIUS Act and the CLARITY Act to increase the bills’ chances of passing Congress and being sent to US President Donald Trump’s desk before the August recess deadline.

Nonetheless, Senate Banking Committee Chair Tim Scott revealed a new timeline for the crypto market structure framework at a press event on Thursday, suggesting an effort to keep the bills separate.

According to White House Crypto and AI Czar David Sacks’ summary of the new timeline, the legislation will be introduced before the August recess, followed by a Markup during the first week of September, and its final passage scheduled by the end of that month.

Sacks stated that “President Trump supports CLARITY on market structure as well as GENIUS on stablecoins,” adding that “July will be a big month, with a bill signing for GENIUS, and CLARITY going to the Senate!”

Bitcoin (BTC) trades at $106,485 in the one-week chart. Source: BTCUSDT on TradingView

Featured Image from Unsplash.com, Chart from TradingView.com

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Bitcoin dominance pressure Altcoins, XRP included

In expanding his initial analysis, analysts noted that XRP and XRPBTC have indecisively closed their daily candles, reflecting on the ongoing market uncertainty and lack of action in a strong direction. Although the XRPBTC is currently held above the formation of a critical double bottom, analysts stressed that the pair still looks relatively weak and requires more stable and constructive price action to confirm bullish breakouts. A strong reaction from this level can serve as a catalyst, helping XRP gain momentum from its current position on the chart.

He also noted that Bitcoin’s advantage continues to put pressure on altcoins, including XRP, causing performance degradation in the BTC pair. As Bitcoin dominance approaches a major level of resistance, analysts anticipate a reversal that could potentially bring capital flows back to altcoins. Such a reversal provides a favorable environment and supports the broader bullish continuation of XRP.

Analysts said that if XRPBTC begins to show signs of recovery and buyers start intervening with stronger momentum, he will remain in the lower time frame throughout the next trading session if he stays in the lower time frame throughout the next trading session.

Waiting for confirmation: No entries without clear movement

Conclusion of his analysis, analysts provided a short-term price measure outlook. Despite his indecisiveness, he predicts a potential rise continues if the price exceeds the $2.4650 resistance level.

Conversely, he identified $2.3160 ​​as an important level of intrinsic support. Here, buyers may step in if the market is pulled back. It’s important to watch this zone. This is because the failures below could slow the immediate bullish momentum and show further integration. Price actions between these two levels could define the short-term direction of XRP.

He emphasized that patience is important at this stage, urging traders to wait for clear and healthy moves before considering new entries. With market conditions still uncertain, analysts plan to focus on sophisticated setups and mature formations to ensure higher probability of trading in upcoming sessions.

Big news for the code!

falconx Burned by standard facility crypto investments!

A major step towards large-scale recruitment.
Stay tuned – the institution is here! pic.twitter.com/uag0nfeifg

– altcoiners.live (@alt_coiners) May 14, 2025

“The collaboration with Falconx highlights our commitment to moving forward with the Digital Asset Ecosystem,” said Luke Boland, Head of Fintech, ASEAN, South Asia and GCNA at Standard Chartered.

Partners expand beyond traditional banksNCLUDE products and services for asset managers, hedge funds, token issuers, and payment platforms.

Tackling the growing demand for institutional demand for digital assets, Borland is proud to provide a banking infrastructure that enables companies such as Falconx to provide world-class trading and financing solutions to institutional customers, as the institutional demand continues to increase.

Meanwhile, Matt Long, general manager of APAC and Middle East at Falconx, commented “.We are pleased to partner with Standard Chartered, one of the most advanced global banks in digital asset adoption. “Falconx supports the transaction and financing of some of the world’s largest institutions in the digital asset market, and this relationship strengthens our ability to provide robust banking and forex solutions to clients who rely on us to operate in the crypto market,” he added.

Explore: 10 coins with high returns: Crypto Forecast 2025

Partnerships established by Standard Chartered

The bank launched a spot trading desk for Bitcoin (BTC) and Ethereum (ETH) in June last year.

In August 2024, Crypto.com revealed its partnership with Standard Chartered, which has been designated by the bank to provide tailored banking and payment solutions to Crypto.com.

Support with Standard Charter Zodia Custody has announced a strategic partnership with renowned crypto lending platform Maple Finance. The UK multinational bank’s crypto-subsidiaries are in the process of acquiring some of the digital asset business supported by billionaire hedge fund manager Alan Howard.

Most recently, Standard Chartered announced the launch of a new entity in Luxembourg on January 9, 2025 to provide Crypto Custody Services.

Exploration: Bitcoin vs. Tesla: Standard Charter Picks BTC as TSLA crashes

Targeting institutional clients: Circle, Bitgo, Coinbase, Pax obtains US banking licenses

After US President Donald Trump eased cryptography regulations and restrictions, major crypto companies such as Circle, Bitgo, Coinbase and Paxos have filed applications for US banking licenses.

According to a report from the Wall Street Journal, these crypto companies are ready to leverage current US government custody capabilities.

Companies are currently pursuing a variety of banking licenses. It mainly depends on a specific business model. Some people are looking for National Trust or Industrial Bank Charters. Others are primarily focusing on more specialized licensing that allows for Stablecoin issuance and storage services.

“This represents a natural evolution for the crypto industry,” explains cryptocurrency analyst Sarah Johnson. “As these platforms mature and seek to serve a wider customer base, banking licenses provide the regulatory framework and customer protection needed to regulate scale within the existing financial ecosystem.”

Explore: 10 Best AI Crypto Coins to Invest in 2025

Post-Falconx and standard charter partners advancing the digital asset ecosystem of Institutional clients first appeared in 99 Bitcoin.

President Trump’s World Liberty Financial (WLFI) has reportedly inked a series of agreements with the Pakistan Crypto Council (PCC) to promote investment and innovation in the country’s digital assets industry.

The Express Tribune reports that Pakistan’s Federal Minister for Information Ata Tarar, PCC CEO Bilal Bin Saeed and WLFI co-chairman Zack Vetkoff attended a signing ceremony.

The event took place on Saturday, just a month after the PCC was formed. The regulatory body was created to oversee and promote crypto and blockchain technology within the country.

According to Tarar, the establishment of the PCC represents a pivotal step in embracing emerging technologies, and initiatives like the partnership with WLFI will help accelerate economic growth and technological advancement. 

“Pakistan offers tremendous opportunities in the crypto sector. Despite being a relatively new player, Pakistan has made remarkable progress in a short span of time.“

Pakistan is home to 241.5 million people, making it the world’s fifth-most populous country. Vetkoff says the South Asian nation holds economic potential. 

“Pakistan is one of the fastest-emerging economies. We are excited to be part of its journey towards a vibrant financial future.”

The Trump family holds a 60% stake in the WLFI, and the project itself holds over $103 million worth of crypto assets, according to Arkham data.

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Disclaimer: Opinions expressed at The Daily Hodl are not investment advice. Investors should do their due diligence before making any high-risk investments in Bitcoin, cryptocurrency or digital assets. Please be advised that your transfers and trades are at your own risk, and any losses you may incur are your responsibility. The Daily Hodl does not recommend the buying or selling of any cryptocurrencies or digital assets, nor is The Daily Hodl an investment advisor. Please note that The Daily Hodl participates in affiliate marketing.

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