Crypto Is Going to Eat Most of Financial Services in 2025

Crypto is going to eat most of financial services—a bold claim made by Coinbase CEO Brian Armstrong. But this isn’t just hype. In 2025, we’re watching blockchain tech, digital assets, and decentralized finance (DeFi) infiltrate everything from banking to payments.

With major institutions already integrating crypto solutions, Armstrong’s prediction isn’t just possible—it’s happening now. So, what does this transformation mean for investors, users, and traditional banks?

What is “Crypto Is Going to Eat Most of Financial Services”?

Coinbase CEO Brian Armstrong’s recent crypto prediction highlights a major shift in global finance. By stating that “crypto is going to eat most of financial services,” he’s pointing to a future where digital assets power core financial functions.

Why? Because crypto offers something traditional finance can’t always guarantee:

• 24/7 access

• Global reach

• Instant settlement

• Lower costs

• Decentralized control

This isn’t a new concept, but what’s new is how fast it’s scaling. In 2024 alone, leading players like JPMorgan, Visa, and Mastercard expanded blockchain pilots. Armstrong believes this trend will make crypto vs traditional finance less of a debate—and more of a transition.

Why Crypto Dominance Matters in 2025

1. Coinbase Assets Outpace U.S. Banks

Coinbase now manages over $420 billion in digital assets, surpassing many U.S. banks in size. If considered a bank, Coinbase would rank 21st in the U.S. by total assets.

This growth isn’t random—it’s rooted in demand. As users seek more control and fewer fees, exchanges like Coinbase are meeting those needs.

2. Financial Results Prove the Point

In Q4 2024, Coinbase reported $2.3 billion in revenue, doubling from the previous year. The market is not only growing—it’s accelerating.

3. Layer 2 Tech = Cheaper, Faster, Smarter

Coinbase’s Layer 2 solution, Base, is another game-changer. It enables:

• Lightning-fast transactions

• Cheaper gas fees

• NFT minting (10M+ so far)

• Over $500M in assets already deployed

This kind of blockchain in banking tech makes traditional rails look slow and outdated.

Read more: Altcoin Surge Incoming | Binance Set to Return to India as FIU-Registered Entity |  Bitcoin’s Recovery Phase

Top Insights: Real-World Shifts

Global Regulations Are Catching Up

Armstrong has warned: “The U.S. must not fall behind.” While Congress debates crypto rules, Singapore, the EU, and Hong Kong are already moving fast with investor-friendly regulations.

He urges clear guidelines—especially for centralized players like exchanges and stablecoin issuers—so innovation isn’t stifled.

Crypto Complements Fiat, Not Replaces It

According to Armstrong, crypto won’t kill fiat—it will balance it. Think of it as a digital safety valve against inflation, monetary policy mistakes, and outdated banking models.

How to Get Started or What to Watch Next

• Watch Coinbase’s roadmap. Their Base network is leading innovation.

• Follow how Visa and JPMorgan scale their blockchain efforts.

• Monitor regulatory changes in the U.S. and EU. Rules will shape the winners.

• Explore DeFi protocols to understand how lending, staking, and payments are evolving.

Brian Armstrong’s bold statement—that crypto is going to eat most of financial services—is more than a prediction. It’s a reflection of current momentum. With billions in digital assets, growing regulatory clarity, and rising adoption by major institutions, crypto is no longer an experiment—it’s becoming infrastructure.

Whether you’re an investor, entrepreneur, or curious observer, now is the time to pay attention.

Frequently Asked Questions:

1. What did Coinbase CEO Brian Armstrong say about crypto and financial services?
   Armstrong stated that “crypto is going to eat most of financial services,” predicting a massive shift from traditional to digital finance.

2. How much in digital assets does Coinbase manage?
   Coinbase currently manages over $420 billion in digital assets, making it one of the largest financial entities globally.

3. What is Coinbase’s Base Layer 2 solution?
   Base is Coinbase’s Layer 2 blockchain that aims to make transactions cheaper and faster while supporting decentralized apps.

4. Why is regulation important for the crypto industry, according to Armstrong?
   He believes clear regulations are essential for centralized platforms to operate safely and for the U.S. to stay competitive globally.

5. Will crypto replace traditional banking entirely?
   Armstrong envisions crypto coexisting with fiat, but believes digital assets will dominate most financial operations in the future.