2025-12-26 16:23:00

Recently, there is an important development to watch: Russia's largest bank Sberbank (which controls over 1/4 of Russian banking assets) plans to launch a crypto asset-backed loan service. This is not a small move; it signifies that traditional financial institutions are officially extending an olive branch to the crypto market.

What impact might this cross-sector collaboration bring? On one hand, it breaks down the barriers between crypto assets and traditional credit, and on the other hand, it will gradually reshape market liquidity and compliance expectations. In the short term, this is positive news that can boost market sentiment; in the long term, it will accelerate the industry's compliance process, and assets that do not meet regulatory standards may face pressure.

There is a historical reference: Santander Bank previously entered the crypto space, which resulted in diverting some DeFi lending funds while also attracting incremental capital. The move by this major Russian bank is likely to follow a similar logic.

The market has already begun forward-looking positioning. As of December 26, Bitcoin is quoted around $88,900 (up 1.38% in 24 hours), and Ethereum is around $2,900 (up 0.93% in 24 hours). Looking at capital flows, BTC and ETH as collateral options are likely to continue receiving attention—they have strong liquidity and meet traditional banking risk control requirements. Local currencies Waves and FEMF may also benefit accordingly.

In comparison, anonymous coins (like XMR) and some small-cap tokens may become less popular, with funds gradually shifting toward more compliant and mainstream assets.

From an operational perspective, a reasonable approach is to adjust your position structure, increasing the proportion of mainstream coins to 60%-70%, while closely monitoring the latest developments in Russia’s regulatory sandbox. Additionally, keep an eye on policy directions between the Russian Central Bank and the Ministry of Finance, as their differing attitudes can also influence market expectations.

This wave of change is indeed reshaping the crypto landscape; the key is whether you can seize this time window.

BTC1,42%

ETH1,13%

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SchrodingerGas

· 12-29 15:21

Sberbank's move... to put it simply, it's TradFi doing liquidity arbitrage, using central bank backing to move money on the chain, a perfect game-theoretic equilibrium. Wait, can Russia still do this now? Are geopolitical risks being ignored? The suppression of anonymous coins was overdue, as expected. The real question is whether XMR will be directly blacklisted as "non-compliant," which would be true pressure. The suggestion that mainstream coins make up 60-70% is a bit conservative, but it's indeed a safe approach. The key still depends on the attitude of the Russian Central Bank; a policy shift can instantly rewrite market expectations. What about on-chain evidence? Does Sberbank have actual wallet interaction data, or is this just another news arbitrage?

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MEVHunterZhang

· 12-28 20:11

The big players are really about to enter the scene, and anonymous coins are about to be pushed into the cold storage.

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CexIsBad

· 12-27 11:09

Russian major banks enter crypto, traditional finance is really serious about it

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TokenStorm

· 12-26 16:52

Russian major banks are entering the market just to harvest us retail investors, a typical traditional finance trick, where liquidity seems to increase but is actually an arbitrage opportunity. I calculated the on-chain data, and the recent 1.38% increase in BTC is not enough; I should have foreseen this, but I still didn't buy the dip [dog head]. Is anonymous currency about to be suppressed? This just shows that regulatory tightening is happening. How can things like XMR truly go mainstream? The risk factor is skyrocketing. The process of compliance is essentially wealth redistribution. Big players use this rhetoric to trap retail investors' chips, and if the overall direction changes, you'll be stuck inside. But on the other hand, a 60%-70% allocation to mainstream coins is indeed interesting. I need to backtest historical data to see how much this allocation could have outperformed in the past 72 hours.

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DAOdreamer

· 12-26 16:52

Traditional finance has finally bowed, but I feel like this trick is a bit familiar...

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SandwichTrader

· 12-26 16:51

Big banks entering the market is like this: short-term happiness but long-term pitfalls. I bet five cents that this wave is just another new way to cut leeks. Wait, the Russian Central Bank and the Ministry of Finance have different attitudes? When did these two ever agree? That's hilarious. Mainstream coins accounting for 70%? I think it's possible, provided there are no black swan events, or my position will blow up immediately. Sberbank's move is indeed interesting, but don't get caught up in the hype. History will repeat itself; Santander only stayed hot for half a year. Things like XMR will eventually be marginalized. Those who understand risk control know that anonymous coins don't end well.

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GasFeeCrybaby

· 12-26 16:45

Sberbank, just come in if you want. Anyway, BTC and ETH will still be the favorites in the end. Small-cap coins are completely finished.

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FastLeaver

· 12-26 16:28

Oh, isn't it just traditional finance finally bowing and submitting? It should have been like this a long time ago.

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