FSB Warns Of Bitcoin Regulation Gaps 🚨, Bitcoin-Gold Ratio Screams Buy 📊, Japan Banks Eye BTC Balances 🇯🇵

Greetings Bitcoiner,

Welcome to Issue #384 of the Bitcoin Breakdown daily newsletter, where we’re rounding up the most talked-about developments in the Bitcoin-only space from the past weekend with our Quick Bits and Quick Media sections.

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Now for today’s Top Stories:

• 🌐 Global Crypto Rules Full of Holes, FSB Sounds Alarm

• ⚖️ Bitcoin-Gold Ratio Flashes Rare Bottom Signal

• 🏯 Japan Eyes Bitcoin for Bank Balance Sheets

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Oct 20, 2025

TODAY’S TOP STORIES

🌐 Global Crypto Rules Full of Holes, FSB Sounds Alarm

Global risk body Financial Stability Board is raising red flags, warning that Bitcoin is skirting traditional financial regulations and becoming harder to contain, threatening financial stability as service providers shop for the most lenient jurisdictions. The FSB found significant gaps in implementing crypto frameworks, with stablecoin regulation particularly lagging behind. Cross-border oversight remains fragmented and insufficient, while supervision of high-risk activities like lending and margin trading often lacks proper enforcement mechanisms. Politico

⚖️ Bitcoin-Gold Ratio Flashes Rare Bottom Signal

Major analysts are spotting a generational buying opportunity as Bitcoin's ratio to gold hits oversold levels not seen since previous market bottoms. Frank Fetter from Vibes Capital notes this marks only the third such signal. JP Morgan forecasts Bitcoin could reach $165K by 2025, suggesting gold's pullback mirrors 2020 dynamics that preceded significant Bitcoin rallies. Former BitMEX CEO Arthur Hayes in turn calls the current setup one of the most compelling for transitioning into Bitcoin. NewsBTC

🏯 Japan Eyes Bitcoin for Bank Balance Sheets

Japan’s Financial Services Agency is weighing landmark reforms to let domestic banks hold BTC, marking a shift from its past volatility concerns. At the same time, megabanks MUFG, SMFG, and Mizuho are teaming up to launch yen-pegged stablecoins for corporate payments, with expansion to a US dollar version planned. This twin push of Bitcoin investment rights and stablecoin infrastructure could supercharge Japan’s tradfi-crypto convergence, making the nation a global leader in regulated digital asset adoption. BeInCrypto

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QUICK BITS

• Jack Dorsey of Block reiterates that 'Bitcoin is not crypto' and positions BTC as money rather than a speculative digital asset, inviting tears from sh!tcoiners and scammers.

• Mt. Gox sets October 31, 2025, as the ultimate repayment deadline for creditors with around 34,689 BTC – worth $3.9B – still awaiting distribution.

• ACI Worldwide, a major global payment solutions provider, partners with BitPay to integrate bitcoin and stablecoin processing into its platform.

• Mining difficulty drops 2.7% to 146.7T as network hashrate hits all-time high above 1.2T hashes per second.

• UK tax authority doubles Bitcoin and crypto warning letters to 65,000, intensifying crackdown on undeclared capital gains from Bitcoin and crypto holdings.

• Bitcoin's next rally to begin as soon as long-term holders finish selling, as OGs realize $1.7B daily profits while older coins re-enter circulation, creating sell-side pressure resistance.

• Charles Schwab, a leading financial services firm, reports a 90% surge in Bitcoin and crypto interest and plans to offer spot Bitcoin trading services by 2026.

• Coinbase survey reveals that 67% of investors remain bullish on Bitcoin over the next 6 months, citing strong macro conditions and treasury buying despite market uncertainty.

• MrBeast, YouTube's most-subscribed individual creator with 446M subscribers, files trademark for 'MrBeast Financial', which he intends to use for a downloadable app that will provide cryptocurrency exchange and payment processing services.

• Jack Mallers, Strike CEO, warns that Bitcoin accurately signals banking stress as regional lenders face renewed crisis despite 2023 reforms, predicting that Federal Reserve liquidity injection will drive BTC higher.

• Russia leads European crypto adoption with $376.3B received by its residents, driven by 86% surge in institutional transfers, according to reports by Chainalysis.

• John Bollinger, renowned technical analyst and creator of Bollinger Bands indicator, warns of an imminent Bitcoin volatility shift.

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QUICK MEDIA

• James Lavish, Co-Founder of the Bitcoin Opportunity Fund, in an interview with BTC Sessions, explains that gold is surging to all-time highs due to central bank purchases and uncertainty, while Bitcoin lags behind as it's still perceived as a risk-on asset, but predicts that Bitcoin will eventually outperform gold once Fed liquidity expansion begins (Oct 20 | 12:13 min watch).

• Jeff Booth, author of 'The Price of Tomorrow', in an interview with Isabella Santos of BTC Isla, explains how Bitcoin acts as the world's first global free market, revealing true deflationary forces driven by productivity growth while exposing the illusion of fiat-based 'fake growth' created by debt-fueled government spending and monetary manipulation (Oct 17 | 9:10 min watch).

• Simon Dixon, CEO & Co-founder of BnkToTheFuture dot com, in an appearance on the Bitcoin Archive podcast, warns of a coming financial transformation where governments will replace fiat currency with AI-integrated stablecoins tied to social credit scores, while engineering civil unrest to justify increased control, advocating Bitcoin self-custody as the primary escape route from this dystopian financial system (Oct 19 | 20:06 min watch).

• The Sat Daddy, host of the channel 'My Favorite Thing About Bitcoin', explains that Bitcoin's volatility isn't risk, but rather the price of entry for potentially massive returns, and that understanding Bitcoin's fundamentals as a superior long-term savings technology can help investors overcome fear and capitalize on early adoption opportunities (Oct 17 | 10:25 min watch). 

• Michael Saylor, in an interview with Mark Moss of Market Disruptors, argues that truly understanding Bitcoin requires interdisciplinary knowledge spanning engineering systems, economic history, and monetary networks, while highlighting that traditional capital markets remain locked in outdated and inefficient structures that exclude 99.9% of US companies from accessing capital (Oct 19 | 13:06 min watch). 

• Walker of THE Bitcoin podcast, quote-tweeting a statement made by Jack Dorsey declaring 'Bitcoin is not crypto', shares a two-minute explainer supporting the argument, urging people to look beyond the buzzwords used by sh!tcoin scammers and explaining why Bitcoin is different from the rest (Oct 19 | 2:02 min watch).

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