What does 2019 hold for Blockchain and Cryptos? 

2018 has been a challenging year for cryptocurrencies and blockchain technology. In many ways, it was a good year for blockchain technology, in the sense that it was finally understood as a separate concept, apart from cryptocurrencies. But 2019 appears to be more promising, as more brands are embracing the technology and cryptocurrencies, especially with big mainstream trading platforms such as Robinhood and TD Ameritrade enabling BTC and other cryptocurrencies trading. With this in mind, many commentators argue that as more and more companies adopt the blockchain, there will be more investments in this technology. 

Sustainable projects 

PumaPay, for example, cuts through all the hype, to deliver a serious, product-driven solution that hopes to be adopted and used by a series of top companies across diverse industries. Part of a more general trend of blockchain projects that seek sustainability and maturation, PumaPay paves the way for the establishment of the blockchain as a widely used technology with advanced capabilities in many sectors. 2019 is expected to bring into maturity many such projects, delivering real applications and exciting new solutions. This is what Changpeng Zhao (CZ), Binance CEO and Founder, has also claimed: “2018 was a tough year, but we have a longer term outlook for our industry. The builders have been building in 2018, so for 2019, I think we will see a lot of real products and real applications coming into the market.”  

More Investments 

PricewaterhouseCoopers (PwC) reported that a lot of its customers were spending “big money” on blockchain startups and that blockchain spending will gradually increase during 2019. According to PwC’s global report “Financial services technology 2020 and beyond: Embracing disruption,” the surge in funding and innovation will continue as blockchain becomes more institutionalized.” Additionally, “the use of the blockchain ‘public ledger’ will go on to become an integral part of financial institutions’ technology and operational infrastructure.” 

Deloitte’s 2018 survey, “Breaking blockchain open,” reported that blockchain is a “priority investment for many companies,” and that “thirty-nine percent of respondents reported that their organization will invest $5 million or more in blockchain technology in the coming year.”  

Cryptos make a comeback 

Cryptos will return within a more stable market, while the more regulatory and serious businesses that will seek to create the right environment for their coins’ usability will have an extended lifespan.  

More regulation 

Regulators will be looking at blockchain solutions more closely, especially in the near future, as they are adopted by more mainstream organizations and governmental bodies. In 2018, for example, we already started seeing changes in the field, as Malta became the first country to establish cryptocurrency and ICO regulations, with Russia and India preparing their own national legislation for cryptos. In particular, India is expected to legalize cryptocurrencies, as the country wants the crypto market to play by strict rules. In February, a governmental committee will submit a comprehensive report to the Ministry of Finance, where more details will be clearer.  

AML (anti-money laundering) and CFT (combating the financing of terrorism) regulation will be imposed across many countries, through the Financial Action Task Force on Money Laundering (FATF), an organization founded by the G-7 to create anti-money laundering policies. The FATF’s regulation of virtual assets seeks to help monitor the risks in relation to criminal and terrorist laundering activities and issued a risk-based approach to virtual currencies in 2015 

But for most experts, 2019 will definitely bring many cryptocurrency and blockchain projects to maturation and mark the end of those which are not legitimate. There is finally a separation between hype and reality, as many have called it, so that the blockchain industry gets the right and serious attention it deserves.  There is obviously a need to educate and attract more talent to the field, but, many companies are striving to meet the industry’s challenges and their hard work is slowly paying off. With more mainstream companies and charities set to adopt blockchain, the technology will get back in the spotlight. 2019 is here and it already feels promising. Keep in touch through social media to find all about what we are planning in the coming months. 


    2018年は暗号通貨やブロックチェーンにとってとても難しい1年でした。ブロックチェーンという技術にとっては、多くの意味でいい年だったかもしれません。というのも、ようやくブロックチェーンというものが暗号通貨とは別の概念ということがようやく認知されたからです。しかし2019年はもっと有望な年になりそうです。より多くのブランドが技術自体や暗号通貨を受け入れ始め、特にRobinhood や  TD Ameritradeのような主要な取引所がBTCや他の暗号通貨取引を取り扱うことになることも大きいです。多くの評論家はこれを前提に、ブロックチェーン技術を採用する会社が多くなればなるほど、この技術への投資が増えるという主張をしています。


    例えばPumaPayは、全ての詐欺をなくして、真面目で、商品を基にしたソリューションを異なる業界のトップ企業へ導入し、利用を促しています。持続可能性や成熟を求めるブロックチェーンのプロジェクトの一般的な傾向の一部分として、PumaPayは多くの業界での先進的な技術を用いて、広く使われる技術としてブロックチェーンの基盤を作る道を開いています。2019年はそのようなプロジェクトが成熟期に入り、本物のアプリケーションや新しいソリューションを導入すると期待しています。Binance CEOで創設者のとChangpeng Zhao(CZ)は述べるところによると、「2018年は難しい年でしたが、私達は業界に対して長期の見通しをもっています。2018年は開発が進み、2019年には、実物の商品やアプリケーションが市場に投入されることになるでしょう。


    PwCの報告によると、顧客はブロックチェーンの新興企業に大金をつぎ込んでいて、2019年中にはその出費が少しづつ増加していくだとうとのことです。PwCのグローバルレポート「2020年以降の金融サービス技術:破壊を受け入れる」によると、資金調達やイノベーションの盛り上がることで、引き続きブロックチェーンをより制度化する流れが続くでしょう。」 さらに、「パブリックレジャーとしてのブロックチェーンの利用は金融機関の技術や業務基盤にとって不可欠な部分になるでしょう」とも述べられています。





    G7によって創設された反マネーロンダリング政策を作るFATFという組織を通じて、反マネーロンダリングやテロ規制法などの規制が多くの国に課されるようになります。仮想資産のFATF 規制は、犯罪組織またはテロリストの資金洗浄行為におけるリスクを監視したり、 2015年には仮想通貨へのリスクに基づいた手法を発表しています。



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