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On November 28th, BTCBaike reported that the US Senate Agriculture Committee's "Digital Asset Framework" is like a bombshell, reshaping the regulatory landscape of the global digital asset industry. The bill explicitly defines Bitcoin and other "fungible digital assets" as "digital commodities that can be transferred peer-to-peer without intermediaries," granting the Commodity Futures Trading Commission (CFTC) core regulatory authority while excluding stablecoins and securities. This precise segmentation not only eliminates the "regulatory gray area" that has plagued the industry for years but also lays a foundation of trust for institutional investors with institutional clarity—data shows that in the third quarter of 2025 alone, corporate Bitcoin holdings are projected to surge by 40%, with traditional financial giants such as BlackRock and Fidelity increasing their positions.

In this market transformation driven by regulation, decentralized finance (DeFi), as the core sector of the digital asset ecosystem, is facing a crucial window for institutional transformation. XBIT Wallet, with its four-dimensional advantages of "compliance-friendly, security-first, feature-rich, and ecosystem-compatible," has rapidly become a super gateway connecting traditional finance and the DeFi world, providing institutional and individual users with a key to unlock new opportunities.

The core innovation of the Digital Asset Framework lies in its clear definition of digital goods—"fungible digital assets that can be transferred between people without intermediaries"—and explicitly excludes payment stablecoins, bank deposits, and securities. This classification provides a clearer regulatory path for assets regulated by the CFTC, such as Bitcoin, reducing market uncertainty.

According to BTCBaike, the surge in institutional demand (such as BlackRock and Fidelity increasing their Bitcoin holdings) indicates an explosive demand for compliant and secure digital asset management tools. The XBIT Wallet DeFi wallet was created specifically for this purpose: Institutional-grade security: Employing multi-signature (Multi-Sig) and hardware-level encryption technology, it ensures the security of large-scale digital asset storage, meeting the stringent requirements of institutional investors.

Compliance-friendly design: Supports KYC/AML (Anti-Money Laundering) integration, helping institutional users manage assets compliantly within the regulatory framework and avoid legal risks.

Seamless integration with CFTC-regulated markets: Provides institutional-grade API interfaces, facilitating direct participation by funds, market makers, and others in compliant derivatives and spot trading.

The XBIT decentralized exchange wallet not only provides highly secure storage but also, through its compliant design, helps institutional investors manage digital assets securely and efficiently under the CFTC regulatory framework, making it an ideal choice for navigating the new era of regulation.

As regulatory reforms progress, exchanges and custodians are adjusting their strategies to comply with the CFTC's stringent requirements. For example, platforms like Coinbase and Kraken are heavily investing in compliant custody solutions and real-time market monitoring tools to attract institutional clients. Meanwhile, traditional financial institutions such as JPMorgan Chase and Goldman Sachs are also leveraging existing compliance frameworks to enter the custody market.

However, smaller institutions and DeFi users face challenges – they need more flexible, decentralized solutions to navigate regulatory changes. XBIT Wallet, a decentralized web3 wallet/DeFi wallet, is the best choice for them:

Decentralized Custody: Users have complete control over their private keys, avoiding the risks of centralized exchanges being attacked or subject to regulatory intervention.

Cross-Platform Compatibility: Supports multi-chain assets (such as Ethereum, Solana, and BTC Layer 2), adapting to the needs of different exchanges and DeFi protocols.

Real-Time Market Monitoring: Built-in price alerts and risk management tools help users make more informed decisions in volatile markets.

While exchanges and custodians adapt to the new regulatory environment, XBIT Wallet DeFi wallet offers decentralized, cross-chain compatible asset management solutions, allowing users to enjoy the efficiency of DeFi while addressing the compliance challenges of traditional finance.

According to data from BTCBaike, the regulatory clarity brought by the Digital Asset Framework has not only attracted institutional buyers but also strengthened long-term Bitcoin price expectations (e.g., Standard Chartered Bank raised its 2026 target price to $150,000). Simultaneously, tokenized assets and DeFi innovation are expected to accelerate further. However, many DeFi users still face high barriers to entry, complex operations, and security risks. XBIT Wallet DeFi wallet lowers these barriers to entry and drives market growth through the following methods:

One-click DeFi access: Users can directly participate in DeFi protocols such as liquidity mining, lending, and staking through the wallet, without complex on-chain operations.

Smart contract auditing: Integrated security auditing tools help users identify high-risk DeFi projects and avoid financial losses.

Tokenized asset support: Compatible with CBDC (Central Bank Digital Currency) and RWA (Real-World Asset Tokenization), allowing users to proactively position themselves in the next generation of financial infrastructure. As institutional funds flow into the DeFi space, XBIT Wallet, a decentralized wallet and web3 economic token DeFi wallet, has become a bridge connecting traditional finance and decentralized finance by simplifying operations, enhancing security, and supporting tokenized assets.

While the Digital Asset Framework and the CFTC's regulatory agenda have brought certainty to the market, the dispute over the division of regulatory responsibilities between the SEC and CFTC remains unresolved. In the future, the market may move towards unified regulation or continue with a dual-track system.

Regardless of how regulation evolves, XBIT Wallet DeFi wallet will maintain its competitiveness with the following advantages:

* **Flexible Adaptation to Regulatory Changes:** Supporting compliance models across multiple jurisdictions, ensuring users can trade securely in different market environments.

* **Global Ecosystem Integration:** Partnering with major global exchanges, DeFi protocols, and stablecoin issuers to provide a seamless cross-market asset management experience.

* **Long-Term User Growth Strategy:** Attracting more new and experienced users to the DeFi ecosystem through education, community incentives, and developer support.

In a future where regulation is maturing but competition is intensifying, XBIT Wallet, with its flexibility, global reach, and user-friendly design, will be a key driver of long-term market development.