The UK payments landscape in 2025 is characterized by coexistence rather than replacement, with traditional methods like cash and cards maintaining relevance while digital options gain significant traction. Users now select payment methods based on context, convenience, and personal preference, creating a diverse ecosystem where multiple payment rails operate simultaneously across retail, services, and digital platforms.
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FinanceMarket Report 
October 21, 2025 | 21:38
October 21, 2025 | 21:38
CryptoNews Article October 21, 2025 | 15:25
October 21, 2025 | 15:25
CryptoNews Article 
October 21, 2025 | 08:39
October 21, 2025 | 08:39
CryptoNews Article 
October 20, 2025 | 07:00
October 20, 2025 | 07:00
Central Bank Actions
1 in Finance and 3 in Crypto last week
UK Consults on US-Style Stablecoin Rules
The Bank of England is launching a consultation on new stablecoin regulations that closely follow the United States’ approach to fiat-pegged crypto assets. UK crypto industry association CryptoUK has welcomed the move, stating that alignment with US policy would boost confidence in Britain’s digital asset sector and ensure the country remains competitive in the rapidly evolving global crypto landscape.
read moreCoinbase Urges Treasury to Modernize AML with AI, Zero-Knowledge Tech
Coinbase has launched a sweeping critique of U.S. anti-money laundering regulations, calling them “broken” and urging the Treasury Department to embrace artificial intelligence, APIs, and zero-knowledge proofs to combat financial crime in digital assets. The crypto exchange’s formal proposal argues that decades-old Bank Secrecy Act requirements have created an ineffective compliance system that burdens consumers, stifles innovation, and creates privacy risks through repeated KYC data collection. As Treasury compiles industry responses for congressional review, the debate highlights growing tension between traditional financial oversight and emerging blockchain technologies.
read moreDigital IDs & CBDCs: The Global Push for Total Control
Governments worldwide are rapidly implementing digital identity systems and central bank digital currencies that promise convenience but threaten fundamental freedoms. From China’s mandatory Citizen Credit Reset to Europe’s digital euro and UK’s digital ID scheme, these technologies are creating unprecedented surveillance capabilities. Critics warn these systems represent a fundamental shift toward authoritarian control disguised as security measures, creating what civil liberties groups describe as a ‘checkpoint society’ where participation in basic economic and social activities becomes conditional on state-issued digital credentials.
read moreVC Warns: Stablecoins Carry CBDC Risks Plus Unique Dangers
Venture capital founder Jeremy Kranz is urging investors to exercise extreme caution with privately-issued stablecoins, warning that these digital assets carry all the surveillance and control risks of central bank digital currencies plus additional unique vulnerabilities. The Sentinel Global managing partner emphasizes the critical importance of reading fine print and understanding redemption risks in what he terms “central business digital currency.”
read moreBlockchain Payments to Hit $3T by 2025, Fees Drop 80%
Blockchain technology is fundamentally reshaping global finance, with cross-border payments emerging as its most transformative application. According to a comprehensive CoinLaw report, blockchain-based international transfers are experiencing explosive 45% annual growth and are projected to reach $3 trillion by 2025, delivering unprecedented efficiency gains through dramatically reduced costs and accelerated processing times that are revolutionizing how money moves across borders.
read moreBank of England May Exempt Crypto Firms From Stablecoin Cap
The Bank of England is considering a significant exemption for cryptocurrency exchanges and large entities from its proposed £10 million stablecoin holding cap, while maintaining strict limits of £10,000-£20,000 for individual holders. This potential regulatory concession has been met with cautious criticism from industry leaders who argue the restrictions remain fundamentally flawed and could undermine the UK’s position in the global crypto landscape. Despite the central bank’s financial stability justification, experts warn the caps are impractical to enforce and could stifle innovation in Britain’s emerging digital asset sector.
read moreEU Officials Push for Euro Stablecoins to Rival Dollar Dominance
Senior European Union financial officials are advocating for the development of euro-denominated stablecoins to compete with dominant US dollar-pegged tokens, signaling a strategic shift in the bloc’s approach to digital assets. The push comes amid growing concerns about European dependence on dollar-based digital currencies following a 2025 boom in US dollar-pegged stablecoins triggered by favorable American legislation.
read moreUganda Launches CBDC Pilot as Kenya Nears Crypto Regulation
Uganda has launched a central bank digital currency pilot backed by treasury bonds, marking a significant step in Africa’s digital finance evolution. Meanwhile, neighboring Kenya is poised to enact comprehensive cryptocurrency regulation, creating a coordinated regional approach to digital assets. The developments signal a strategic embrace of blockchain technology across East Africa, with Uganda focusing on sovereign digital currency while Kenya establishes regulatory frameworks for the broader crypto ecosystem.
read moreIndia’s Crypto Stance: No Ban, Just Tax, as RBI Digital Currency Nears
India has adopted a pragmatic approach to cryptocurrency regulation, choosing taxation over prohibition while advancing its own central bank digital currency. Commerce Minister Piyush Goyal clarified that India neither encourages nor discourages crypto assets but imposes taxation on them, even as the Reserve Bank of India prepares to launch new digital currency initiatives that signal the government’s preference for regulated alternatives to private cryptocurrencies like Bitcoin.
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