JPMorgan Chase & Co. is preparing to allow institutional clients to use Bitcoin and Ether holdings as collateral for loans by the end of the year, according to a Bloomberg report.

The initiative will operate globally and rely on a third-party custodian to securely hold the digital assets. This marks a significant step beyond the bank’s earlier practice of accepting crypto-linked exchange-traded funds (ETFs) as collateral.

Initially, JP Morgan allowed clients to use financial products tied to the value of cryptocurrencies such as Bitcoin or Ether ETFs, as collateral for loans or other financing activities. These ETFs track the performance of crypto assets but are traded on regulated exchanges, making them easier for banks to manage under existing financial and compliance frameworks.

In essence, the bank was engaging with crypto exposure indirectly through regulated investment instruments, rather than through the direct custody or acceptance of actual digital assets. The upcoming move to accept Bitcoin and Ether themselves as collateral represents a deeper step into the crypto space, signaling greater confidence in the maturity of digital asset markets and the infrastructure supporting them.

Also, the move comes as the Bank CEO Jamie Dimon, who was once a strong critic of cryptocurrency, describing it as “fraud”, has finally softened his stance on the digital asset. Lately, Dimon has moderated his stance somewhat, while remaining skeptical. “I don’t think we should smoke, but I defend your right to smoke,” he said at JPMorgan’s investor conference in May. “I defend your right to buy Bitcoin, go at it.”

JPMorgan’s latest move comes as it opened its new global headquarters at 270 Park Avenue, marking a major milestone in its commitment to New York City. The tower will be home to 10,000 employees by the year-end.

With Bitcoin’s sustained price rally and a more accommodating regulatory environment under the current U.S. administration, JP Morgan is not the only bank exploring crypto-related services. Across the financial sector, similar developments are underway.

Recent regulatory adjustments in the United States have encouraged other banks to design digital asset services, ranging from cryptocurrency trading and wallet management to tailored investment strategies.

Here’s an overview of some of the key players and their initiatives:

Morgan Stanley

Morgan Stanley became the first major U.S. bank to offer Bitcoin funds to its wealth management clients. Through partnerships with firms such as Galaxy Digital and NYDIG, the bank provides exposure to Bitcoin investment products. It continues to research digital asset infrastructure and is assessing opportunities in decentralized finance (DeFi).

Citigroup (Citi)

Citigroup has been building a digital assets division focused on developing blockchain-based solutions for trade finance, securities services, and cross-border payments. The bank has also tested tokenized deposits and recently received regulatory approval to provide digital asset custody and settlement services to institutional clients.

Bank of New York Mellon (BNY Mellon)

BNY Mellon, the world’s largest custodian bank, has launched a digital asset custody platform, allowing clients to hold and transfer cryptocurrencies like Bitcoin and Ether alongside traditional investments. The bank’s move reflects its belief that digital assets are becoming an essential part of modern investment portfolios.

Standard Chartered

Standard Chartered has been particularly active in the crypto ecosystem. Through its subsidiary Zodia Custody, the bank provides institutional-grade crypto custody services in partnership with Northern Trust. It also operates Zodia Markets, a digital asset trading platform offering spot and over the counter (OTC) services for institutional clients.

HSBC

Although traditionally cautious about crypto, HSBC has entered the digital asset space through tokenization and blockchain pilots. It has launched projects involving tokenized gold and is exploring central bank digital currency (CBDC) integration for international payments.

Executives in the industry emphasize that blockchain-based infrastructure is now mature enough to support mainstream adoption. They note that clients should have seamless access to both digital and traditional assets within a single financial platform, a shift that signals the growing convergence of conventional finance and the crypto economy.

Overall, these developments illustrate how traditional banks are no longer treating crypto as a fringe asset but as an emerging component of global finance.

By offering custody, trading, and tokenization services, these institutions aim to bridge the gap between traditional finance (TradFi) and the rapidly expanding digital asset economy, a trend expected to accelerate as regulations evolve and institutional demand grows.

This isn’t just another digital asset; it’s a project dedicated to turning the brand’s message of kindness into tangible action. A significant portion of the ecosystem’s revenue is dedicated to a Charity Pool. Through a DAO, the Milk Mocha community will collectively decide which initiatives to fund, from disaster relief to educational programs. Critically, all donations will be recorded transparently on the blockchain, a feature that has resonated strongly with participants.

The opportunity to get in $HUGS token is drawing to a close. The whitelist granting access to the presale is now nearing its maximum capacity, and a primary driver for this rush is the project’s deep-rooted commitment to real-world goods.

A Global Brand Enters a New Economy

The $HUGS token is the central currency for a new digital economy built around the two globally recognized cartoon bears, Milk Mocha. For millions of people, their interactions are a daily source of comfort, and this project channels that deep emotional connection into a community-owned ecosystem. The foundation is an established and beloved brand, which has provided the basis for an explosive initial response. The presale, which is only accessible via the nearly-full whitelist, is structured in 40 weekly stages. It begins at a highly accessible price of $0.0002 and increases incrementally each week. This design provides a clear and transparent advantage to early participants. For instance, an investment of just $100 in Stage 1 would secure 500,000 $HUGS, demonstrating the value for those who join at the beginning.

A Community Empowered to Give

At the heart of the project’s “kindness” message is its community-first governance structure. Holders of $HUGS are not passive spectators; they are active participants in the project’s future through the Milk & Mocha DAO (Decentralized Autonomous Organization). This system utilizes “HugVotes,” allowing community members to propose and vote on key decisions that shape the ecosystem’s direction. Voting power is determined by the amount of $HUGS a holder has staked, ensuring that those with the most significant long-term commitment have the strongest voice. This framework puts the community in charge of everything from the theme of the next NFT collection to the allocation of marketing funds and, most importantly, the selection of charitable causes to support.

Provable Good: How On-Chain Charity Works

This is where $HUGS truly stands apart. The commitment to charity is not a simple promise; it is a core, structural feature of the ecosystem. A dedicated Charity Pool is funded by a significant portion of the ecosystem’s revenue. The community, using the DAO, collectively decides where this money goes.

• Community Choice: Holders vote on specific initiatives, which can range from disaster relief efforts to educational programs.
• Full Transparency: Critically, all donations will be recorded transparently on the blockchain.
• Verifiable Impact: This mechanism allows every single member to see and verify the tangible, real-world impact of their community’s contributions. This dedication to “provable good” is a key reason so many are rushing to join the whitelist, wanting to be part of a community that makes a measurable difference.

A Self-Sustaining, Utility-Driven Ecosystem

This entire charitable and governance model is supported by a robust, utility-driven economy designed for long-term sustainability. The project is building a self-sustaining system where the token serves as the central currency.

The planned Milk & Mocha Metaverse and gaming platform will operate on a “token loop,” an intelligent model where tokens spent by players are systematically recycled. A portion will go to a reward pool for players, another to the burn mechanism to reduce supply, and the rest to the Ecosystem Treasury for future development. Furthermore, $HUGS will be the only currency for exclusive NFT collections and official merchandise, like plushies. This creates constant, direct demand for the token, fueling the entire economy.

Your Last Chance to Join a Movement of Provable Kindness

The Milk & Mocha token is a formidable new presence, built by combining a powerful, globally loved brand with a multi-faceted utility ecosystem and a truly empowered community. The overwhelming response, clearly evidenced by the nearly full presale whitelist, shows that a project built on a foundation of transparent, on-chain giving and shared ownership connects deeply with people. The time for consideration is officially over. The doors to Milk Mocha ground-floor opportunity are closing, and the chance to be a founding member of this unique digital universe, one built on a core principle of provable kindness, is about to become a matter of history. This is the final opportunity to join.

Explore Milk & Mocha Now:

Website: ??https://www.milkmocha.com/

X: https://x.com/Milkmochahugs

Telegram: https://t.me/MilkMochaHugs

Instagram: https://www.instagram.com/milkmochahugs/

The next phase of blockchain adoption isn’t about speculation. It’s about integration. Governments, financial institutions, and enterprises are turning to proof-based cryptography to balance privacy, compliance, and scalability in a single system. At the center of this global pivot stands Zero Knowledge Proof (ZKP) a project merging mathematical verification with regulatory confidence.

With its whitelist opening ahead of the public presale, ZKP is quietly positioning itself among the top crypto coins for enterprise and institutional adoption. Its proof-based framework provides exactly what policymakers and corporations have demanded for years: verifiable compliance without exposure.

The global narrative is shifting from “decentralization versus regulation” to “verification through cryptography.” ZKP is the technology making that shift possible.

The Compliance Catalyst: Proof Without Exposure

For years, regulators have struggled with blockchain’s transparency problem. While public ledgers allow anyone to trace transactions, they also expose sensitive financial data. That level of visibility creates compliance issues, not solutions.

Enter ZKP’s architecture, a model built on zero-knowledge proofs. These proofs allow one party to verify that a statement is true without revealing the underlying data. In practical terms, that means:

• Financial institutions can prove transactions comply with AML and KYC laws without exposing customer identities.
• Governments can audit blockchain-based systems without accessing private ledgers.
• Enterprises can meet transparency requirements while maintaining confidentiality.

This architecture provides the foundation for regulation-ready decentralization, the long-sought middle ground between crypto’s ideals and institutional realities.

Analysts tracking enterprise adoption trends already list ZKP among the top crypto coins 2025, precisely because it offers a trust mechanism compatible with both market innovation and government oversight.

From Privacy Coins to Proof Infrastructure

Privacy in crypto has often been misunderstood. Early privacy coins, while revolutionary, were built in opposition to regulation, offering complete anonymity but little auditability. ZKP’s proof model changes that entirely.

Instead of hiding information, ZKP makes information provable. A transaction, identity credential, or smart contract outcome can be verified without disclosing raw data. The difference is philosophical and functional.

Where privacy coins asked the world to trust secrecy, ZKP demands nothing; it proves correctness through cryptography. That makes it not just a tool for users, but an instrument for regulators and enterprises alike.

This alignment with real-world governance frameworks is what sets ZKP apart from typical top crypto coins. It’s privacy designed for compliance, not against it.

The Whitelist: Early Access to the Institutional Era

The ZKP whitelist is opening before the presale to allow qualified investors, developers, and partners to gain early access to the ecosystem shaping this proof-based future.

Unlike many presales built on hype cycles, ZKP’s early access phase is structured like an institutional onboarding. Participants are offered detailed technical documentation, compliance-grade whitepapers, and ecosystem briefings that highlight ZKP’s integration roadmap across finance, data verification, and digital identity sectors.

For investors, this means the opportunity to enter before the institutional wave begins. For developers, it’s an invitation to build within a verified economy that prioritizes security, interoperability, and real-world utility.

ZKP’s whitelist doesn’t mark the start of a speculative race; it marks the entry point into an infrastructure movement.

Global Momentum: Governments Are Paying Attention

Across the globe, the momentum behind zero-knowledge cryptography is accelerating.

• The European Union is exploring proof-based digital ID frameworks to comply with GDPR while ensuring verifiable data.
• The S. Department of Defense has invested in research for zero-knowledge proofs to secure communication systems.
• Asian fintech hubs are piloting proof-based transaction systems to balance financial transparency and data sovereignty.

ZKP’s design sits at the intersection of all these initiatives. It’s not just another blockchain; it’s a cryptographic foundation capable of supporting both public-sector and private-sector infrastructure.

That’s why institutional analysts are watching it closely, grouping it with the top crypto coins to buy for exposure to the next stage of blockchain integration. As proof-based systems become the global compliance standard, ZKP is already technically aligned for implementation.

Why Proof Is the New Trust

For decades, financial systems have relied on intermediaries to establish trust. Blockchain replaced intermediaries with transparency. Now, ZKP takes the final step: it replaces transparency with proof.

In a proof-based financial system, everything can be verified mathematically: from asset reserves to compliance status to voting outcomes. This model reduces risk, automates auditability, and ensures security at scale.

For enterprises, it means eliminating data exposure while maintaining regulatory accountability. For governments, it means the ability to verify without surveillance. For investors, it means entering a market segment that solves one of crypto’s oldest challenges.

That combination of privacy, compliance, and scalability is what positions ZKP as one of the top crypto coins 2025 and a pillar of blockchain’s institutional future.

The Shift Has Already Begun

The crypto industry has matured past speculative trading. Institutional infrastructure, cross-border regulation, and enterprise blockchain adoption are defining the next growth phase. ZKP’s proof-based architecture arrives at precisely the right time, offering a framework where privacy, security, and compliance are not opposing forces but interconnected layers.

As the whitelist opens, early investors aren’t just buying tokens. They’re entering the infrastructure phase of blockchain, the layer where global systems verify truth itself.

ZKP isn’t promising disruption; it’s delivering alignment. Between regulators and innovators. Between privacy and transparency. Between belief and proof.

And that balance is exactly what makes it one of the top crypto coins worth watching as the world shifts toward a verifiable, proof-driven economy.