The investor outlined the prospects for the development of the cryptocurrency market in 2025

Cryptocurrencies are finally ceasing to be the preserve of a narrow circle of enthusiasts and are entering a new phase — the institutional one. Major corporations and banks are integrating digital assets into their strategies, and governments are accelerating the creation of transparent rules of the game. In an interview with Izvestia on September 7, Nadezhda Narzieva, an entrepreneur, expert in cryptocurrency, investor and owner of a women's club, explained why 2025 was a turning point for the cryptocurrency market and what trends will determine its future.

Over the past 10 years, cryptocurrencies have traveled a path that seemed incredible a few years ago. From the first experiments with bitcoin and ethereum, they have stepped towards becoming part of the global financial system, Narzieva noted. If at the beginning of their existence digital assets were perceived as a tool for tech-savvy enthusiasts or a means of making quick money on sharp fluctuations in the exchange rate, by 2025 they are increasingly becoming a full-fledged segment of the global economy.

"We see how cryptocurrency ceases to be a niche tool and becomes a full-fledged part of the investment environment. This means not only an increase in interest from private investors, but also the inclusion of digital assets in the strategies of major corporations and financial institutions," the investor said.

According to Bloomberg, the volume of digital assets under management has exceeded $100 billion by the end of 2024. Five years ago, this figure was several times lower than the traditional market segments. Now, banks, investment and pension funds consider cryptocurrencies as a tool for long-term diversification.

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"This shift demonstrates that cryptocurrency has ceased to be perceived solely as an object for speculation. We are talking about a full—fledged asset that is able to solve the strategic tasks of investors in the long term," Narzieva stressed.

Technological development is becoming an equally important factor. Blockchain has long gone beyond the function of simple value transfer, the expert continues. Ethereum has become significantly more energy efficient and scalable after a number of updates. These changes paved the way for the launch of decentralized applications (DeFi) that provide users with lending, insurance, and asset management services without intermediaries.

Narzieva clarified that such solutions allow people around the world to access financial instruments that were previously available only through banks and large organizations. This is a real revolution in the way people interact with money and investments.

Bitcoin, despite constant discussions about its future, retains a unique status. Its limited issue (only 21 million coins) and decentralized nature make it an attractive tool for long-term capital storage. Against the background of the devaluation of national currencies and the growth of global debt, bitcoin continues to be considered as "digital gold", providing protection against inflation.

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According to the investor, ethereum is becoming the foundation of a technological ecosystem. It is used to build a significant part of solutions in the field of decentralized finance, digital identification, and even legal services. For many startups and innovative projects, the ethereum blockchain is the infrastructure on which new products are formed.

In parallel, the direction of central bank digital currencies (CBDCs) is also developing. In 2025, more than 130 countries of the world are at the stage of testing or implementing their own digital analogues of national currencies. China has already demonstrated a ready-made model of the digital yuan, and the European Central Bank is actively discussing the details of the digital euro. Despite the fact that CBDCs are not cryptocurrencies in the literal sense, their development accelerates the digitalization of the economy and prepares the ground for wider adoption of digital forms of payments.

"CBDCs are changing user habits and forming a new infrastructure that will subsequently facilitate the integration of cryptocurrencies into everyday payments. We are actually witnessing how states themselves contribute to the digital transformation of finance," Narzieva emphasizes.

She particularly emphasizes that the combination of these processes demonstrates the maturity phase of the crypto market. It remains subject to volatility and sharp fluctuations, but at the same time it is becoming more stable and institutionally organized.

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According to her, the future of digital assets lies not only in investments. It is associated with the restructuring of the global economy, the formation of new rules of interaction between government, business and citizens, as well as the expansion of millions of people's access to financial services. All this makes cryptocurrency an integral part of the future of the global economy.

"We are on the verge of a fundamental restructuring of financial and economic systems. In 2025, cryptocurrency ceases to be an alternative to traditional finance and becomes an important part of it. This year can be safely called the year of integration," the expert concluded.

The cost of the second most popular cryptocurrency, Ethereum, updated its historical maximum on August 25, exceeding $4,950. Experts described how this could affect the Russian market and the interest of investors. For the Russian segment, this means an increase in over-the-counter and foreign operations, as there is no full-fledged crypto exchange for a wide audience in the domestic market.

The information in the material is not an investment recommendation.

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