2025 Fintech Financing Rebound: Market Predictions as Dark Horse, Crypto Companies Reach New Financing Highs

OnChainDetective · 2025-12-31T14:20:12+00:00

In 2025, the total financing amount for fintech reached $55.94 billion, a 25% increase. Mainstream markets such as Polymarket and Kalshi performed outstandingly, reflecting a renewed market recognition of fintech. Despite the financing rebound, the number of transactions declined, with funds concentrating in large enterprises. Regulatory relaxation has provided new opportunities for crypto companies.

OnChainDetective

2025-12-31 14:20:12

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【Crypto World】In 2025, the total financing amount for financial technology reached $55.94 billion, a 25% increase compared to last year. This is also the first annual growth since 2021. However, don’t get too excited; this figure is still only half of the peak of $123.99 billion in 2021.

The biggest highlight of this round of financing is the rise of the prediction market. Polymarket raised $2 billion in October with a valuation of $9 billion and is currently preparing for a new round of financing, aiming for a valuation of $12-15 billion. Meanwhile, Kalshi was also busy, securing $300 million in October and $1 billion in December, with its valuation climbing to $11 billion.

The dark horse in the financial automation sector is Ramp, which raised approximately $1 billion in funding throughout the year, with its valuation reaching $32 billion.

However, behind the apparent recovery in financing, the number of transactions has fallen to 3,712, indicating that funds are accelerating their concentration on leading companies—small business financing has become even more difficult.

It is worth noting that the relaxation of the regulatory environment in the U.S. has created new opportunities for crypto companies. Coinbase has partnered with Citigroup and PNC Financial Services this year, something that was unimaginable in the past. 2025 also saw a wave of IPOs in the crypto and fintech sectors, with Circle, Gemini, Chime, Klarna, and Wealthfront consecutively entering the capital markets. This IPO wave, to some extent, reflects the market’s renewed recognition of this sector.

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ChainWanderingPoet

· 5h ago

The prediction market has really taken off this time, but look, the trading volume has actually decreased... All the funds have gone to the big players.

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LiquidityHunter

· 5h ago

$55.94 billion, this number is quite precise... but the trading volume has actually decreased? Liquidity is concentrated in leading companies, there is arbitrage potential here.

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AlphaLeaker

· 5h ago

This is a typical example of the Matthew Effect: big fish eat small fish, retail investors are still waiting for the opportunity, and the money has already flowed into major companies.

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GasGuzzler

· 5h ago

Speaking of which, this round of financing data is really impressive, 55.94 billion is indeed undeniable, but have you noticed that the trading volume has actually decreased? Isn't this just the big fish eating the small fish scenario? Regulatory easing actually gives crypto companies more opportunities, I like this logic, it's finally our turn to step up. Polymarket has been really strong these past two years, and we should thank someone for the rise of prediction markets. Funding is all poured into big enterprises, how can small and medium projects survive? If this continues, the landscape will be set. The concentration of funds is so high that risks are also concentrated, we should be cautious. A 25% growth sounds good, but when you look closely, it's still the Matthew effect at work, a bit boring.

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AirdropHunterWang

· 5h ago

The prediction market is picking up, it feels like it's time to make some gains.

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