Crypto Penetration blog ๐Ÿ”ฉ
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My name is @Ilya_ii. I research the penetration of cryptocurrencies in the life of different countries.
RU channel link @crypto_penetration
Created in collaboration with Ton Whales - crypto regulation database https://cryptopenetration.com/
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๐Ÿ‡จ๐Ÿ‡ญ Switzerland Bitcoin Initiative

๐Ÿ”– Switzerland is officially considering holding a referendum on the creation of a state Bitcoin reserve. Information about this was published in the state newspaper. The initiative for the referendum comes from a group of citizens of the country.
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๐Ÿ‡ฌ๐Ÿ‡ช My holidays in Tbilisi

โœŠ The protests in Tbilisi ended during the New Year holidays. Tourists can safely walk along Rustaveli Avenue.

๐ŸŽ‰ Also crypto exchanges with a good rate for clients also took a vacation. Usually weekly days here in Georgia, it is possible to exchange offline USDT to USD with 1% fee.

๐Ÿ’ฑ Online P2P exchange at approximately the same rate only for those, who have accounts in the two largest banks in the country - TBC and Bank of Georgia. But these banks do not open accounts foreigners and expats so easily. But for the same exchange on Credo, the commission is from 2% to 4%.
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๐ŸŽท How did regulation change in LatAm in 2024? (Part 1)

๐Ÿ‡ฆ๐Ÿ‡ท Latin American countries are known for their relatively easy and straightforward immigration procedures for foreigners. At the moment, probably the most popular country on the continent for permanent relocation is Argentina, where it is quite easy to obtain citizenship by naturalisation after living in the country for 2 years.

๐Ÿ“œ And at the same time, it has one of the most developed procedures for regulating cryptocurrencies - there is a federal law regulating VASPs and their registration procedure. In 2023, licensing procedures were adopted, and in 2024, companies began to actively register. There are already 101 companies in the Argentine VASP registry.

๐Ÿ‡ง๐Ÿ‡ท Brazil, the largest economy, accounts for roughly half the population and half the GDP of the entire region. No wonder it attracts foreigners! The foundations of cryptocurrency regulation here were laid at the end of 2022 when a federal law was passed by the country's parliament.

๐Ÿ—’ The law prescribes the need to licence VASPs, but the country's Central Bank has yet to adopt all the necessary regulatory rules for this (promised in 2024), there is still no VASP registry in the country, and Crypto exchanges can operate without a licence. This is likely to change in 2025.

๐Ÿ‡ฒ๐Ÿ‡ฝ Mexico has not changed its regulation in 2024 either: the old rules adopted in 2021 under the fintech law remain in effect. The law requires banks and fintechs to obtain a licence for crypto transactions. However, ordinary VASPs (not banks) can legally operate in the country without a licence; they only need to send reports to the country's financial intelligence unit (UIF) and tax authorities (SAT).

๐Ÿ’ฏ A total of 53 legal entities sent such reports to the UIF in 2024. Also by law, crypto providers must send reports on all transactions over 70k pesos (about $3,400). The number of such transactions more than quadrupled in 2024.

๐ŸŒž In general, both in terms of relocation and launching crypto business, regulation in these three biggest Latin American countries is lax. But you also have to take into account that there are quite high taxes and restrictions on withdrawing capital from the country, which is not always good for business.
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๐Ÿ“ Latest regulation news

๐Ÿ‡ฎ๐Ÿ‡ณ Bybit will limit its operations in India from January 12.

๐Ÿ‡น๐Ÿ‡ญ Thailand continues to optimize its crypto regulation - crypto payments are currently prohibited there, but a special economic zone is planned in the capital, where it will be possible to pay with crypto.

๐Ÿ‡บ๐Ÿ‡ธ Donald Trump will soon choose his candidate for the post of head of the CFTC. This agency, after the adoption of the federal law on crypto in the United States, will receive the lion's share of control over the licensing of exchanges and other VASPs

๐Ÿ‡ท๐Ÿ‡บ Deputy Aksakov promised that in Russia it is possible to soften the test regime for the turnover of cryptocurrencies within the country.
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๐Ÿ—ฝ Trump Launches Personal Memcoin

โšพ๏ธ Donald Trump has launched his own coin - Trump Memcoin. I think this coin has a good chance of repeating Pepe's fate. You can buy $Trump through the Raydium wallet on Solane. It looks like a very risky asset with investment potential for all 4 years of the presidency.

๐Ÿ’ฏ By the way on the passed week, amount of inflows into US Bitcoin ETF saw more than $1.8 billion amid Trump inauguration expectations.
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๐Ÿ”† How has crypto regulation changed in LatAm in 2024?

๐Ÿ‡ฆ๐Ÿ‡ท Argentina is the only country in the region besides El Salvador that has VASP licenses. In 2024, 101 companies registered as VASPs.

๐Ÿ‡ง๐Ÿ‡ท Brazil's regulation has not changed: crypto exchange as an activity still does not require a license.

๐Ÿ‡ฒ๐Ÿ‡ฝ Mexico's regulation has not changed. But the first statistics have appeared and the results are impressive: 53 companies report their crypto transactions in financial intelligence and the volume of transactions increased 4 times in 2024

๐Ÿ‡ธ๐Ÿ‡ป El Salvador has introduced an analogue of the VASP license - CASP - and the old Bitcoin-specific licence (BSP) is likely to be canceled.

๐Ÿ‡บ๐Ÿ‡พ๐Ÿ‡ต๐Ÿ‡ช๐Ÿ‡ง๐Ÿ‡ด Uruguay, Peru and Bolivia have introduced regulation. Before that, there was none.

๐Ÿ“ฐ More details and information on other countries can be found in this article.
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๐Ÿ‡บ๐Ÿ‡ธ The inauguration of Trump

๐Ÿ—ฝ The inauguration of Donald Trump has become a big event for the local crypto industry and led to the following events:

โšพ๏ธ Launch of Trump and Melania meme tokens.

๐Ÿ’ฏ Resignation of legendary Gary Gensler from the SEC and accession of Mark Uyeda as interim chair. However, new SEC chair Paul Atkins will probably be approved by the Senate soon.

โœจ Caroline Pham is now approved by Donald Trump as chair of the CFTC, increasing its power in crypto regulation.

๐Ÿค During the inauguration, Trump said nothing about the regulation of cryptocurrencies in the US.
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๐Ÿ—ฝ Donald Trump pardoned Ross Ulbricht, the founder of Silk Road, the darknet marketplace (weapons, drugs).

๐Ÿช The US lifted sanctions on Tornado Cash - the second and final decision on this was made by a Texas court.

๐Ÿ‹๏ธ Trump and Melania coins trades have reached high volumes - Solana validators have earned over $25 million from their transactions.

โ˜„๏ธ House democrats criticize the TRUMP coin: they are sure that having his own meme coin will allow Trump to receive bribes and hidden payments. Thus, the TRUMP coin threatens national security.

๐Ÿ’ฒ American regional authorities continue to discuss investments in Bitcoin ETFs and crypto: similar initiatives are being discussed in Kansas and Texas.
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๐Ÿ‡บ๐Ÿ‡ธ The situation in the USA

โŽ Last week, the SEC canceled Bulletin 121. This document required banks to submit special reports to the regulator on crypto assets on their balance sheets.

โŽ Trump also canceled Biden's Executive Order 14067, which implied the introduction of additional controls over the turnover of digital assets.

โŽ Following the release of Ross Ulbricht, one of the first-wave Bitcoin enthusiasts, Roger Ver, filed a pardon for Donald Trump (he is accused of tax evasion in the United States).

๐Ÿ“Š In general, despite Trump's statement about the possible creation of a Bitcoin reserve, the market reacted last week with only a slight increase, and then fell - the BTC rate fluctuated from $98,000 to $108,000. The inflow of funds into Bitcoin ETFs amounted to more than $1.75 billion.

โŒ›๏ธ But for now, the market is waiting for new decisions (not promises) from regulators on the Bitcoin reserve or FED's sharp reduction in the interest rate. Then further growth is possible.
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๐Ÿ‡บ๐Ÿ‡พ Uruguay imposed crypto regulations

๐Ÿ“œ Uruguay introduced cryptocurrency regulation at the end of last year, making it the third Latin American country to do so in 2024, alongside Peru and Bolivia.

โœˆ๏ธ I recently moved to this country. It is known as an attractive place for digital nomads and is also called the Switzerland of Latin America. You can read more about Uruguay in this article.

โž• One of the differences between Uruguay and other Spanish-speaking countries is the availability of tax breaks. The climate here is also good: it is not hot in summer and not cold in winter - temperatures range from +10ยฐC to +30ยฐC (50ยฐF to 86ยฐF).
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๐Ÿ‡ป๐Ÿ‡ณ Will Vietnam introduce a crypto sandbox?

๐Ÿ“ Vietnam's Ministry of Planning and Investment has announced that it plans to create a sandbox for crypto projects in the country. Such measures are the first step towards full-fledged regulation.

โญ•๏ธ At the moment, cryptocurrencies have no official status in Vietnam, but transactions with them are not prohibited. There is not even a clear taxation procedure for cryptocurrency income. At the same time, they are very popular: crypto is used by Vietnamese migrants for international money transfers. In addition, Vietnamese culture (like other Asian cultures) leans favorably to gambling, and people willingly invest in crypto.

๐Ÿ‡ป๐Ÿ‡ณ If Vietnam follows this path, it will be a big event for the whole of Asia, because Vietnam has one of the largest economies in the region.
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๐Ÿ‡จ๐Ÿ‡ฟ In the Czech Republic, the Central Bank discusing purchase of BTC

๐Ÿ‡ช๐Ÿ‡บ This in itself is a big event for the EU, which is suspicious of crypto. See the recent statement by Christine Laggard.

โšก๏ธ The purchase of crypto, or rather Bitcoin, is being discussed at the official level by the central bank of an EU country. Could Satoshi Nakamoto have imagined this?
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๐Ÿ”† Special stream for our subscribers

๐Ÿ—บ Africa, Latin America and Asia are large crypto markets where billions of people live and where - unlike Europe and the US - crypto regulation is just beginning. Together with Kenyan crypto enthusiast Eric Maina, we will discuss how regulation there has changed in 2024 and what awaits us in 2025. We will also look at the level of TON adoption in these developing markets.

๐Ÿ™‹ Come to the channel this Sunday at 18-00 Dubai time. Tomorrow!
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๐Ÿ™Œ News for the stream to discuss

๐Ÿ’Ž Today's broadcast is dedicated to the regulation of cryptocurrencies in developing countries. It will start in an hour at 18-00 Dubai time. Below are some news for January of this year:

๐Ÿ‡บ๐Ÿ‡ฟ On January 17, Uzbekistan announced that it had settled a dispute with Binance, the exchange will pay a fine and receive a license. This will make life much easier for everyone who exchanges crypto in Uzbekistan: the country has crypto regulation, but in practice did not allow large international exchanges in the country and put in jail for illegal crypto exchange.

๐Ÿ‡ฐ๐Ÿ‡ฟ Kazakhstan will launch a state stablecoin. It is also possible that restrictions on the exchange of cryptocurrencies outside AIFC will be softened. In January, the country's president Tokayev announced plans to improve the policy in the field of digital assets.

๐Ÿ‡ธ๐Ÿ‡พ Syria may make Bitcoin an official means of payment and use cryptocurrencies to rebuild the country. This program was proposed by the non-profit organization SERC, which is close to the government.

๐Ÿ‡ป๐Ÿ‡ณ An initiative to create a crypto sandbox has appeared in Vietnam. This is one of the few countries neighboring China where there is no regulation yet. And by the way, TON is quite popular there.

๐Ÿ—บ New countries that have paid attention to crypto in 2024:

๐Ÿ‡น๐Ÿ‡ฟ Tanzania, ๐Ÿ‡ธ๐Ÿ‡จ Seychelles, ๐Ÿ‡บ๐Ÿ‡พ Uruguay, ๐Ÿ‡ต๐Ÿ‡ช Peru, ๐Ÿ‡ง๐Ÿ‡ด Bolivia, ๐Ÿ‡ฐ๐Ÿ‡ญ ะกambodia. Kenya, Rwanda, Ghana, Morocco, and Ethiopia also have such plans for this year. There is a chance for laws to be passed in ๐Ÿ‡ธ๐Ÿ‡พ Syria and ๐Ÿ‡ต๐Ÿ‡ฐ Pakistan.
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๐Ÿง™ The broadcast will start in an hour. Come, Eric and I will be waiting.
๐Ÿ‘‹ The stream is starting)
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Live stream finished (23 minutes)
๐Ÿ‡ธ๐Ÿ‡ป El Salvador tightens crypto regulation as part of the IMF deal

๐Ÿš” The country's Legislative Assembly has changed the status of Bitcoin - crypto payments will remain legal, but now only on a voluntary basis. The obligation to accept BTC as a legal tender has been canceled.

๐Ÿ’ธ The country is also reforming the type of crypto license - instead of a Bitcoin License, a CASP license is now used, which has become more difficult to obtain. All this is the result of a deal with the IMF - the organization has allocated a $1.3 billion loan to El Salvador.
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๐Ÿ‡บ๐Ÿ‡ธ CryptoKnight promises to end the persecution of crypto

๐Ÿ’ฅ The big event in the US yesterday was the press conference of crypto czar David Sachs. In fact, behind this beautiful position hides... Trump's crypto aide.

๐Ÿ—ฝ David Sachs stated that: โ€œhis working group is evaluating the possibility of creating a Bitcoin reserve as directed by the Presidentโ€ and the US will end a 4-year crackdown on cryptocurrencies.

๐Ÿ’ต By the way, one of Sachs' claimed top priorities was to regulate stablecoins. Remember what I've been writing here for a long time: dollar stablecoins are a great opportunity for the US to keep the dollar dominant. In that sense, the previous administration's attempts to restrict their circulation are foolish.

๐Ÿฆ Yesterday, however, the new legislation to regulate stables began to be debated in the Senate. And from the looks of it, it won't be as totalitarian as in Europe and Dubai. The Fed will be the regulator for stables with a cap of more than $10 billion, while coins with a smaller volume will remain under Money Service business rules. MSB legislation is smart and this type of licenses are not tough for business.
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