A critical look at how major banks have taken over tokenization in Europe. This article breaks down the shift from a decentralization promise to a bank-controlled ecosystem, the regulatory walls shaping the market, and what this new landscape really means for startups, DeFi projects, and anyone building in the EU.

Money apps are a slick on-ramp to Bitcoin and ETH, but convenience has a price: you don’t control the keys. Custody, automated reviews, limits and shifting rules can delay withdrawals or freeze access when you need funds most. We unpack the incentives behind this, the common pitfalls (fees, caps, support gaps) and a clear checklist to use these apps safely - as on-ramps, not vaults.