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Despite ready infrastructure and consumer interest, fewer than 10% of retailers accept crypto payments, mostly in pilot programs. The hesitation stems from unclear liability, custody, and compliance models that clash with established payment systems. Vitaliy Shtyrkin, chief product officer at B2BINPAY, argues that defining responsibility could accelerate adoption.

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State lawmakers in Wisconsin addressed fintech and cryptocurrency issues in 2025 through new legislation. Key focuses included bitcoin reserves, crypto ATMs, and earned wage access. Efforts also targeted stablecoins and regulations to combat scams.

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