Top crypto adopters in 2025: Institutions, retail, low-income countries

Top crypto adopters in 2025: Institutions, retail, low-income countries

The global cryptocurrency industry is poised for another year of growing mainstream and institutional recognition in 2025, thanks to increasing regulatory clarity and soaring crypto valuations.

Crypto investor optimism is rising following the record-breaking year of 2024 when Bitcoin BTCtickers down$93,607 price rose to an all-time high of $108,300 on Dec. 17, over a month after Donald Trump’s victory in the United States presidential election.

With expectations of more regulatory clarity associated with Trump’s incoming administration, the crypto industry could be set for another year of milestones, including more institutional adoption and a new high in global crypto investors, industry experts told Cointelegraph.

Regulatory clarity to bolster crypto investor count to a new all-time high

The crypto industry saw significant regulatory developments in 2024 in some of the biggest jurisdictions.

In Europe, the Markets in Crypto-Assets Regulation (MiCA) bill — the world’s first comprehensive regulatory crypto framework — framework went into full effect on Dec. 30, providing comprehensive guidelines for crypto service providers.

Over in Asia, Singapore is emerging as the next crypto hub thanks to its “risk-adjusted” regulation, which helped the country double the number of yearly digital asset licenses issued in 2024.

Singapore is home to 1,600 blockchain patents, 2,433 industry-related jobs and 81 crypto exchanges. These are stellar numbers for a country with less than six million inhabitants.

These global regulatory developments will usher in more adoption among retail and institutional investors alike, according to Jonathan Levin, CEO at Chainalysis.

“We can expect to see an increase in adoption from institutional and retail investors over the next year, especially as these regulations bring greater clarity to the industry,” Levin told Cointelegraph.

These new regulations will also enhance industry trust, market integrity and consumer protection, “which will make the industry more attractive to retail customers,” he added.

Levin said regulatory clarity would lead to an all-time high in daily crypto users and spur growth in institutional offerings such as exchange-traded funds (ETFs).

There were an estimated 560 million crypto holders, making up 6.8% of the global population as of July 12, according to the 2024 Cryptocurrency Ownership report by Triple-A.

According to Pavlo Denysiuk, CEO of crypto payments firm Lunu, the number of cryptocurrency holders could triple over the next two years based on current user growth.

“This is where we get more adoption everywhere and in terms of payments as well,” Denysiuk said during a panel discussion at NFT Fest 2024.

Institutional adoption set for boost from ETFs and governmental BTC reserve plans

The US spot Bitcoin exchange-traded funds have already brought increased institutional adoption, thanks to making BTC investment more accessible for traditional financial institutions.

The Bitcoin ETFs were near the $110 billion mark in less than a year after their debut, bolstering analyst predictions for a $200,000 Bitcoin cycle top in 2025.

This dynamic is set to pave the growing acceptance of Bitcoin as an asset class among institutions, according to Chainalysis’ CEO, Levin:

“This is likely to translate into continued institutional interest, and efforts by financial institutions and crypto businesses to build the infrastructure and resilience required to support this investor demand.”

In a significant sign of Bitcoin adoption, Bitcoin’s status as a savings technology is gaining traction in the US, thanks to the Bitcoin Act — championed by Wyoming Senator Cynthia Lummis — which proposes the creation of a strategic Bitcoin reserve.

The Bitcoin reserve proposal is gaining significant support thanks to US President-elect Donald Trump’s victory in the November 2024 election and the incoming Republican Party Senate majority, according to Anastasija Plotnikova, co-founder and CEO of Fideum.

Bitcoin may eventually surpass the $1 million price tag if the Bitcoin Act is accepted by US lawmakers, according to Adam Back, co-founder and CEO of Blockstream, the inventor of Hashcash and one of the most notable cryptographers in the industry.

Crypto adoption in lower-income countries poised for continued growth

During 2024, cryptocurrency activity increased and peaked above the highs of the 2021 bull run, according to Chainalysis’ Geography of Cryptocurrency Report published in October 2024.

The Chainalysis Global Index, which measures the total value of crypto activity worldwide, rose to a new high of above 0.75 in the first quarter of 2024, according to the report.

While crypto adoption was mainly driven by lower-middle-income countries in 2023, the 2024 high was attributed to increased crypto activity across countries of all income levels, High income countries saw decreasing crypto activity in the beginning of 2024, added the report.

The growing global activity was mainly attributed to the growing real-world use cases around stablecoins and the debut of the US Bitcoin ETFs, Levin told Cointelegraph:

“There were many factors driving this, from the launch of the Bitcoin ETF in the US to stablecoins supporting real-world use cases in low and lower-middle income countries and DeFi activity increasing significantly in sub-Saharan Africa, Latin America and Eastern Europe.”

Low- and middle-income countries like India, Nigeria and Indonesia led adoption, with India ranking first on the Chainalysis Global Crypto Adoption Index.

In Latin America, El Salvador has already adopted Bitcoin as legal tender on Sept. 7, 2021, which generated over $31 million worth of profit for the country in the first three years.

Despite the $31 million profit, President Nayib Bukele’s decision received widespread criticism after Bitcoin fell from its previous all-time high of $69,000 in November 2021 after the collapse of the FTX exchange. El Salvador’s Bitcoin holdings fell deeply in the red after Bitcoin fell as low as $16,000 during the bear market.

El Salvador’s decision to adopt Bitcoin was a significant step for Bitcoin’s growing integration into the global financial system, according to Anndy Lian, author and intergovernmental blockchain expert.

Similar governmental initiatives could bolster Bitcoin adoption among other countries, Lian told Cointelegraph:

“As more countries ponder this path, we might see a gradual redefinition of what constitutes a ‘safe’ reserve asset. If Bitcoin becomes a staple in national reserves, it could fundamentally alter the landscape of global finance, pushing for more decentralized and digital approaches to economic stability.”

Bitcoin may even emerge as the next reserve asset next to gold. During the past year, Bitcoin rose by over 131% while gold prices rose by about 30%, TradingView data shows.

Crypto investor optimism remains high for 2025, especially after Bitcoin recaptured $100,000 on Jan. 6, two weeks ahead of Donald Trump’s inauguration on Jan. 20 — seen as a potential catalyst for crypto prices thanks to more regulatory clarity.

With price predictions ranging from $160,000 to above $180,000, Bitcoin’s 2025 rally is set to bring more investor attention to the cryptocurrency industry.

 

Source: https://cointelegraph.com/news/top-crypto-adopters-2025-institutions-retail-low-income-countries

 

Anndy Lian is an early blockchain adopter and experienced serial entrepreneur who is known for his work in the government sector. He is a best selling book author- “NFT: From Zero to Hero” and “Blockchain Revolution 2030”.

Currently, he is appointed as the Chief Digital Advisor at Mongolia Productivity Organization, championing national digitization. Prior to his current appointments, he was the Chairman of BigONE Exchange, a global top 30 ranked crypto spot exchange and was also the Advisory Board Member for Hyundai DAC, the blockchain arm of South Korea’s largest car manufacturer Hyundai Motor Group. Lian played a pivotal role as the Blockchain Advisor for Asian Productivity Organisation (APO), an intergovernmental organization committed to improving productivity in the Asia-Pacific region.

An avid supporter of incubating start-ups, Anndy has also been a private investor for the past eight years. With a growth investment mindset, Anndy strategically demonstrates this in the companies he chooses to be involved with. He believes that what he is doing through blockchain technology currently will revolutionise and redefine traditional businesses. He also believes that the blockchain industry has to be “redecentralised”.

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Crypto 2024 Review: Top Booms, Busts & Biggest Surprises

Crypto 2024 Review: Top Booms, Busts & Biggest Surprises

The past year has been a whirlwind for the crypto industry, starting at a significant low as the long-standing aftermath of the Crypto Winter continued to hit the market.

Uncertainty loomed, especially with harsher crypto regulations appearing worldwide.

However, the more we progressed into 2024, the higher market sentiment lifted. From the introduction of Bitcoin (BTC) spot exchange traded funds (ETFs) that drove higher institutional investment to a significantly important crypto election in the United States, the market managed to reach uncharted territory.

Let’s explore the top crypto events of 2024 and see where the industry could be heading in the upcoming year.

Key Takeaways

  • Bitcoin soared 120% in 2024, breaking the $100K milestone.
  • Donald Trump’s pro-crypto policies boosted market confidence.
  • Regulatory clarity improved with XRP’s SEC victory and Tornado Cash rulings.
  • Cross-chain interoperability and asset tokenization gained traction.
  • Experts predict 2025 will focus on utility, AI, and privacy technologies.

Bitcoin Reaches New Highs – ETFs, Halving & $100K

2024 was undoubtedly a successful year for the biggest and oldest cryptocurrency on the market – BTC.

From the introduction of BTC spot ETFs in January, the fourth halving event in April, and BTC’s all-time high milestone in December – the cryptocurrency set a bullish sentiment across the entire industry.

According to CoinMarketCap, over the past year the BTC price soared by nearly 120% from lows of $42,00 at the start of the year to breaking the $100,000 milestone in December.

Laurent Benayoun, the CEO of Acheron Trading, a crypto market-making firm, told Techopedia:

“The approval of spot ETFs in the U.S. has led to net inflows of institutional money into the underlying spot markets. It is one of the macroeconomic factors … that led to a positive price impact for BTC in particular, which was accompanied by larger trading volumes.

“The target clientele for U.S. spot ETFs is institutional in nature, such as pension funds and mutual funds.

“These large investment vehicles have gradually increased their exposure, and it is reasonable to expect that the trend will continue in the current climate.

“Further, ETF filings were based on the classification of the underlying as commodities. In granting its approval, the SEC [U.S. Securities and Exchange Commission] thus clarified the nature of the asset class from a traditional finance perspective.”

In addition to the introduction of BTC ETFs, this year saw another significant event – the halving event in April.

Historically, halvings have triggered long-term price appreciation not just for BTC but the industry as a whole, and 2024 once again proved no exception.

Donald Trump’s Change of Heart

Arguably, the biggest surprise of the year was one major factor that played a key role not only for the BTC price but also the entire crypto industry: Donald Trump’s change of heart – more specifically, his stance on the cryptocurrency industry.

Yuya Hasegawa, the crypto market analyst at bitbank explained to Techopedia:

“It is a well-known story that during his first term as president, Donald Trump hated Bitcoin and crypto in general, but during a conference back in July, he promised to create a strategic stockpile of Bitcoin. Since his victory in November, there have been proposals to build the so-called Strategic Bitcoin Reserve (SBR) in several countries, including Russia.”

While Congress conversations over building a strategic BTC reserve are ongoing, if the global race to build them intensifies, BTC’s price could continue to grow.

Alice Shikova, the marketing lead at digital identity platform SPACE ID, added:

“Trump has promised to make America a leading crypto hub, create a Bitcoin reserve, and remove one of crypto’s biggest adversaries – SEC chair Gary Gensler, who will step down in January.

“This helped Bitcoin reach new all-time highs and set the stage for crypto to continue gaining legitimacy in 2025.”

Crypto Saw (Some) Regulatory Clarity

Another notable achievement for the crypto industry in 2024 was the increase of regulatory clarity amid legal wins for a number of crypto projects. A prominent example of this was XRP’s major win in its long-standing battle against the SEC, Shikova highlighted.

Another recent milestone was the overturned sanctions against Tornado Cash, as a U.S. Federal Appeals Court found them to have been outside the scope of the U.S. Treasury Department.

However, other legal battles within the crypto space were not as successful: Changpeng Zhao (CZ), the founder of Binance, went to jail for four months for anti-money laundering violations.

As Anndy Lian, an inter-governmental blockchain advisor, explained:

“His departure from Binance marked a significant shift for the exchange. Why it matters? Binance’s struggles raised concerns about the stability of major exchanges.

“CZ’s legal issues also highlighted the broader challenges of regulatory compliance in the crypto industry.”

Cross-Chain Interoperability & Higher Utility

Another shift within the crypto space in 2024 was moving towards cross-chain interoperability and higher utility.

“Major players are increasingly focused on improving interoperability between different blockchain protocols through strategic partnerships. This focus on cross-chain compatibility is crucial as digital assets become more integrated across diverse ecosystems,” Tom Kiddle, the co-founder of Palisade explained.

This was seen in partnerships between projects such as BitcoinOS and Cardano, bringing the second largest blockchain onto the BTC blockchain with no intermediaries.

But apart from cross-chain interoperability taking over 2024, real-world utility assets were also seeing higher adoption as investors moved away from just treating crypto as a store of value and into how it can be implemented into everyday lives.

Dean Tribble, the CEO of Agoric Systems, added:

“The focus shifted in big ways from speculative wealth to creating meaningful value and experiences for users of these platforms.

“Ideas like chain abstraction and technologies like orchestration gained so much momentum because builders are realizing that simplifying how users and developers interact with decentralized applications (dApps) and blockchains is critical.

“This was the year we saw an industry-wide, concerted effort to make Web3 seamless and intuitive like Web2.”

What to Expect in 2025?

So, what can the crypto industry expect to see in 2025?

More Utility

Experts are confident that in the new year, the crypto industry will only continue moving forward with a higher focus on utility, with certain Layer-1 (L1) blockchains coming out ahead.

“We will see the Sui ecosystem go from strength to strength, leading in the most exciting sectors, like DePIN and GameFi. But gaming is going to experience an evolution from mindless tap-to-earn games to P2E games with real-world utility,” Tim Kravchunovsky, the CEO and founder of Chirp, said.

Real-World Asset (RWA) tokenization could also take over as a key trend in 2025, Jon Trask, the CEO of Dimitra, a leading AI-based operating system, told Techopedia.

“The tokenization of assets like carbon credits, farmland, and commodities is expected to grow rapidly as blockchain connects traditional and digital economies.”

USA to Lead Crypto Innovation

Following Trump’s presidential win and inauguration, experts expect the industry to move towards a more stable and mature state, with the U.S. leading the way for crypto innovation.

Lian highlighted:

“Under the leadership of pro-crypto policies, the United States is emerging as a global hub for blockchain and cryptocurrency innovation.

“With initiatives to attract crypto businesses and establish Bitcoin reserves, the U.S. is setting the stage for widespread adoption.

“This leadership is expected to inspire other nations to follow suit, fostering healthy competition and innovation worldwide.”

Digital Privacy & AI

The future of privacy on the internet is also expected to be a key focal point in 2025 as zero-knowledge proof (ZKP) technology continues to evolve.

“ZK tech is unique in that it allows the U.S. to prove that something is true without revealing any sensitive data.

“We’re already seeing this technology gaining momentum compared to a few years ago, and I foresee it becoming a central part of any infrastructure dealing with identity or personal data,” SPACE ID’s Shikova added.

Additionally, the combination of artificial intelligence (AI) and blockchain tech will continue to grow. Dimitra’s Trask noted that the combination of AI’s analytical power with blockchain’s transparency will bring forth new opportunities, especially in agriculture and finance.

The Bottom Line

2024 was a big year for the crypto industry. Bitcoin reached new highs, surpassing $100K, fueled by spot ETFs and institutional adoption.

Regulatory clarity improved with victories like XRP’s case, while real-world utility and cross-chain interoperability gained momentum. Donald Trump’s pro-crypto stance and election win set the U.S. on a path to becoming a global crypto leader.

Looking ahead, experts are predicting that 2025 could be poised for growth in areas like asset tokenization, AI-blockchain integration, and privacy-focused technologies.

With increasing utility, the crypto ecosystem is moving beyond speculation — are we ready for a mature and accessible digital economy?

 

Source: https://www.techopedia.com/crypto-2024-review

Anndy Lian is an early blockchain adopter and experienced serial entrepreneur who is known for his work in the government sector. He is a best selling book author- “NFT: From Zero to Hero” and “Blockchain Revolution 2030”.

Currently, he is appointed as the Chief Digital Advisor at Mongolia Productivity Organization, championing national digitization. Prior to his current appointments, he was the Chairman of BigONE Exchange, a global top 30 ranked crypto spot exchange and was also the Advisory Board Member for Hyundai DAC, the blockchain arm of South Korea’s largest car manufacturer Hyundai Motor Group. Lian played a pivotal role as the Blockchain Advisor for Asian Productivity Organisation (APO), an intergovernmental organization committed to improving productivity in the Asia-Pacific region.

An avid supporter of incubating start-ups, Anndy has also been a private investor for the past eight years. With a growth investment mindset, Anndy strategically demonstrates this in the companies he chooses to be involved with. He believes that what he is doing through blockchain technology currently will revolutionise and redefine traditional businesses. He also believes that the blockchain industry has to be “redecentralised”.

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Celebrating community-driven growth: Top 27 contributors of 2024

Celebrating community-driven growth: Top 27 contributors of 2024

At e27, we believe that fostering community-driven growth is essential to building a platform that thrives on collaboration and shared knowledge. The industry insights contributed by our community members bring immense value, helping professionals across sectors stay informed, inspired, and connected.

As we approach the end of the year, we take a moment to celebrate the voices that have shaped our platform. Here’s a round-up of 27 noteworthy contributors whose insights and expertise stood out. Their contributions have made 2024 a more informed, dynamic, and engaging year.

We look forward to continuing this journey together in 2025.

Anndy Lian

Anndy Lian is a business strategist with experience advising companies and governments across Asia. A blockchain pioneer, serial entrepreneur, and investor, he currently serves as Chief Digital Advisor at Mongolia Productivity Organisation, leading national digitisation efforts. His book, NFT: From Zero to Hero, has sold over 8,000 copies.

“My proudest moment this year? Seeing Bitcoin hit US$100,000—a milestone that highlights crypto’s growing adoption and potential. In 2025, I’m excited about AI and crypto leading innovation, with their convergence unlocking endless possibilities. I love the interaction with the e27 community members. Many have connected with me on LinkedIn and X, fostering meaningful conversations and collaborations.”

Anton Lucanus

Anton Lucanus is a published scientist and the Founder of Neliti and Reputio. A former breast cancer researcher, he advocates for open access to scientific knowledge and invests in innovations focused on longevity, ageing, and biohacking.

Bernadetta Septarini

Bernadetta Septarini, a Content and Social Media Marketing professional at ArmourZero, entered the cybersecurity field without prior experience but quickly discovered a passion for simplifying its complexities. She is dedicated to sharing insights that make cybersecurity accessible and engaging for all.

“Being nominated as a top contributor last year was a proud milestone that fuelled my passion for writing. This year, I challenged myself to publish more consistently, and I’m thrilled to have achieved my goal of releasing articles almost every month. As we move into 2025, I’m excited about the rise of AI and its potential to transform not just cybersecurity but how we approach our entire careers. I hope to inspire others to see AI not as a threat but as a tool we can use positively and effectively.

To the e27 community, thank you for fostering an environment of growth and collaboration. I look forward to seeing how this platform continues to provide insights, expand networks, and help startups gain the recognition they deserve.”

Camellia Chan

Camellia Chan, Co-Founder and CEO of Flexxon, leads the company’s strategy, R&D, and global expansion. Since 2007, she has grown Flexxon into a global enterprise with a presence in over 50 cities.

“As we look to 2025, I’m excited to see a growing shift in how cybersecurity is approached, especially with the integration of advanced hardware-level protections. This is the year where hybrid defense models—combining dynamic hardware safeguards with pre-existing software capabilities—will gain momentum. This layered approach ensures no single point of failure, paving the way for enhanced resilience against increasingly sophisticated cyber threats.”

Christopher Quek

Christopher Quek is the Founder and Managing Partner of TRIVE, a Singapore-based firm specialising in venture capital, private equity, and business transformation for family businesses and offices across Southeast Asia. With over 13 years of experience, he has provided one-on-one advisory to more than 2,000 startups. He is also a CAIA and CFA charterholder.

“One of my proudest moments was achieving the CFA charter after three failures over six years. I liken that journey to entrepreneurship—keep trying until you succeed. In 2025, I anticipate a surge in Venture Capital and Private Equity deals across Southeast Asia as allocations shift toward alternative investments. To the e27 community: life will only get better in 2025. Stay hopeful for the big breakthroughs in VC and entrepreneurship.”

Dae Ro Won

Dae Ro Won is an experienced executive with over 20 years in Fund Management and Venture Building. Specialising in cross-border projects and startup expansion, he provides tailored solutions across Korea, Singapore, and Southeast Asia. He is the Director and CEO of Wilt Venture Builder.

“My proudest moment of 2024 is launching Zero100, a Venture Studio program bridging Korea and Singapore, where we train Korean entrepreneurs for three months before supporting their startup ventures in Singapore.”

Daniel Tan

During the COVID-19 pandemic, Daniel Tan observed that many SMEs were burdened with high finder’s fees and facing issues with loan brokers cherry-picking customers or profiteering. Seeking a more transparent and efficient solution for borrowers, he founded FindTheLoan.com, Singapore’s first loan marketplace, to revolutionise how SMEs access financing.

“In 2024, AI dominated the headlines, from healthcare to finance, personalised medicine to chatbots. But many other innovations such as those in fintech continue to change lives. Platforms like Kiva allow individuals to lend money to small businesses or individuals in need, providing an alternative to traditional bank loans and driving financial inclusion by giving rural populations access to capital.

In edutech, learning platforms have made education more accessible to people around the world. Farmtech, such as precision farming helped farmers in Africa and other parts of the world increase crop yields and improve their income. Telemedicine platforms made healthcare more accessible remotely saving lives. Excited to see what 2025 will bring and hope you are too!”

Darryl Dickens

Darryl Dickens, Founder of Out-Position, specialises in positioning and Category Design for tech startups, innovators, and growth-focused enterprises. His expertise helps businesses craft unique market positions that drive differentiation and sustainable growth.

“Healthcare is seeing radical change to its business and operating models as well as an acceleration in innovation and tech adoption. It’s being driven by these three factors and will continue to accelerate in 2025: post-pandemic reverberations and the necessity for change; aging demographics that are impacting and accelerating on healthcare systems; and AI maturity and adoption.

In particular, the home is increasingly seen as an overlooked component of infrastructure for ‘aging in place’ or ‘hospital at home’ models. New categories emerging such as Comprehensive Healthcare at Home, will enable seniors to age longer from their home, as well as progressively use their home for medical recovery from illness or surgery. This in turn frees up beds and eases pressure on the overall healthcare system, but also improves health outcomes. It’s a great time for innovation and redefining healthcare categories!”

Darryl Han

Darryl is currently the Co-Founder of LFG, a travel discovery engine, where he leverages on his extensive global experience to drive startup’s early stages. He is an operations and creative leader who’s spent the last seven years helping tech companies grow across Asia Pacific, from startups to major tech platforms. He’s done everything from leading 60-person teams to building products from scratch, particularly in Australia, Singapore, and Vietnam.

“Looking ahead to 2025, I’m genuinely excited about two major shifts happening right now. The way we search for and discover information is being transformed by AI assistants that actually understand what we’re trying to accomplish, with tools like Perplexity reshaping everything from information seeking to shopping. Meanwhile, the space industry is hitting remarkable milestones, with companies like AstroForge securing the first-ever deep-space mining license and Northwoods Space successfully testing satellite connectivity systems, showing how space tech is becoming part of our everyday reality.”

Davin Dedhia

Davin Dedhia is the Co-Founder and CMO of Auptimate, a platform empowering fund managers, family offices, and professional investors to swiftly launch their Special Purpose Vehicles (SPVs) and syndicates online. Auptimate ensures investors can concentrate on their primary focus of investing, handling the legal, compliance, and operational aspects of SPV creation and management.

Fanny Fajarianti

Fanny Fajarianti is a digital marketing specialist with over three years of experience in SEO, paid advertising, and content strategy. She is dedicated to helping brands achieve online growth through innovative and effective marketing solutions.

“In 2025, I’m excited about the continued evolution of AI and automation in digital marketing, especially in SEO and paid ads optimisation. These tools are empowering marketers to deliver hyper-personalised experiences at scale, and I’m eager to explore how they can make campaigns even more effective!”

Felicia Theodorus

Felicia Theodorus is a certified marketing professional, writer, and content creator with over a decade of experience. She authored Big Impact, Small Budget: Winning Marketing Strategies for Startups and runs Insight Arc Media, publishing platforms like The Javachip and Feliccine. Recognised as a top blogger and beauty influencer in Indonesia, she delivers fresh insights across business, lifestyle, and societal trends.

“Looking ahead, I’m thrilled about the advancements in technology, particularly in the fintech space across Southeast Asia. Despite the challenges and changes we saw in 2024, there’s a sense of resilience and innovation in the region. Fintech is transforming how businesses and individuals interact with financial services, fostering inclusion and growth. I’m also eager to see how AI innovation will continue to evolve, especially in enhancing productivity and enabling more creative, human-centric solutions. It’s an exciting time to be part of this dynamic ecosystem.

To the e27 community, thank you for being a space where ideas thrive, and connections are nurtured. The Contributor Programme has been invaluable in amplifying voices and fostering collaboration. Here’s to another year of building, sharing, and growing together—let’s make 2025 extraordinary!”

Georg Chmiel

Georg Chmiel is a seasoned business leader, company director, and senior advisor with 30 years of experience in scaling companies and navigating disruptive technologies. With expertise in capital markets and technology businesses, he has extensive global exposure across Asia, Australia, New Zealand, and Europe. He is the Co-Founder and Chair of Juwai-IQI Holdings, a leading proptech group in Southeast Asia, and the Co-Founder and Executive Chair of Chmiel Global Advisory, a boutique advisory firm.

“My proudest achievement this year has been witnessing a return to strong, profitable growth across all the businesses I am involved in. Looking ahead to 2025, I am excited about the continued advancements in AI, the stronger growth of social commerce, and, above all, the hope for an end to hostilities in current conflict zones.

To the e27 community, I want to say this: it’s an incredible platform for learning, sharing, and growing together.”

Ivy Nhi Chau

Ivy Nhi Chau is the CEO and Founder of Ivy+Partners, a communications firm focused on integrated campaigns for local and international brands. With nearly a decade of experience, she leads a team dedicated to creating impactful, culture-focused PR solutions. She is also a member of The Public Relations and Communications Association Southeast Asia (PRCA SEA) and a founding member of One Asia Communications.

“2024 was a transformative year for me, as I witnessed the powerful interaction between PR and technology. While PR amplified the voices of tech companies, technological advancements, especially AI, took PR to new heights. As we step into 2025, I’m excited to see how AI continues to shape the future of communication, pushing the boundaries of what’s possible in our industry.

I’d like to express my sincere appreciation to the e27 Contributor Programme for fostering such a vibrant community for knowledge sharing and networking within the tech industry. The platform has been instrumental in connecting me with fellow thought leaders and professionals, and I’m incredibly grateful for the opportunities it has provided. Here’s to a fantastic year ahead for the entire e27 community!”

Izwan Zakaria

Izwan Zakaria is a startup, venture, and tech lawyer at Izwan & Partners, a corporate law firm dedicated to supporting tech companies and startups in navigating legal complexities and raising capital both in Malaysia and internationally.

“2025 is likely shaping up to be a big year for Southeast Asia’s tech scene. We should anticipate greater cross-border partnerships as we see more AI and blockchain adoption, driven by clearer regulatory clarity on the horizon. As a startup lawyer, I’m excited to work with e27’s team more closely to empower more founders to build the future of tech in the region. If you’re a founder, 2025 is a great year for startups to shine!”

Jackie Tan

Jackie Tan is a 2x founder with 2x exits. He lectures in data science at Nanyang Technological University and entrepreneurship at Singapore University of Social Sciences. As Co-founder and CEO of BorderDollar, Jackie focuses on closing the trade finance gap for SMEs and leveraging AI for supply chain and procurement solutions. His work integrates data science, fintech, and algorithm design to drive efficiency in trade finance.

“My proudest moments this year include winning a couple of hackathons I participated in for fun—it’s a hobby of mine. I’m excited about the possible recovery in funding volume as more VCs start investing again.

How much you get out of a community is proportional to how much you put in—the e27 community is amazing and you will be in the company of the most motivated, hardworking, and clever individuals.”

Jenny Zheng

Jenny Zheng is a seasoned professional with over six years of experience in the blockchain industry. In 2017, she founded Blockcast.cc, a respected Singapore-based blockchain media outlet, establishing her as a key figure in the space. In 2022, Jenny joined Bybit, one of the leading cryptocurrency exchanges, where she serves as the Business Development Lead for their NFT marketplace/Web3 business, further advancing her expertise and contributions to the industry.

Karen Kim

Karen Kim is the CEO of Human Managed, an ASEAN cloud-native data platform empowering businesses to make smarter decisions for cyber, digital, and risk outcomes. She focuses on aligning purpose, strategy, and operations, applying design-thinking and a service-first approach to branding, service design, and business development.

“One of my proudest achievements was leading the development of an industry- collaborative whitepaper on the emerging technology of federated learning and privacy preservation. The whitepaper titled “Better Intelligence is Collective: Unlocking the Potential of AI with Federated Learning ” included contributions from experts from Microsoft, Snowflake and Paynet. Seeing the research insights resonate with stakeholders in our ecosystem has been extremely rewarding.

In 2025, I believe that Service Design will become critical in the age of AI products. While there is a plethora of AI-powered features, products and agents flooding the market, service interactions need to be better designed. Customers want AI powered interfaces, that are not only efficient and effective, but also thoughtful and human-like at times, collaborative and nuanced at others.

The Contributor Programme at e27 has amplified my voice as a tech leader, allowing me to share insights on emerging technologies and industry trends in Data and AI with a global audience. It has helped in creating awareness about the solutions offered by our company, Human Managed, for operationalising AI  in enterprises across the ASEAN region. The editors at e27 have always been open to ideas that have been proposed and I look forward to continuing this collaboration.”

Leighton Cosseboom

Leighton Cosseboom serves as Principal and Head of Marketing at AC Ventures. He co-founded C2 Media, the parent company of Content Collision, Indonesia’s top-of-mind PR firm for tech companies and VC firms, and ContentGrow, a managed freelance talent network and workflow app for global content teams.

Lisa Gibbons

Lisa Gibbons is a Web3 consultant and Founder of the Metaverse Tourism Association. She advocates for a hybrid future in tourism, ensuring equal access to opportunities, and is co-founder of the first Irish Pub in the Web3 Metaverse. With a Master’s in International Tourism, she is passionate about using virtual environments for sustainability.

“This year it was an honour to be chosen as one of the leading female voices in Web3. As a woman in a position of leadership I believe it is crucial for us all to pave the way for future female leaders to use their skills, showcase new opportunities and have an opinion when it comes to how advanced technologies are being used in society. 2025 will be the year when we see AI and immersive tech infiltrate some of our most important industries. This will bring unprecedented change when it comes to the way we value productivity and also bring more freedom to create, express and showcase our cultures in ways that would have been previously unimaginable.

Lydea Quek

Lydea Quek has nearly a decade of experience in cybersecurity, having honed her expertise with leading companies like Fortinet, Thales Security, and currently at Hackuity. Her career is driven by a passion for solving complex challenges and tailoring security solutions to meet the unique needs of clients. Outside of her professional life, she is deeply committed to promoting well-being and mental health.

“This year, I’m proud of the progress we’ve made in building meaningful relationships with customers and partners, driving impactful conversations around cybersecurity in APJ. In 2025, I hope to see businesses accelerate their growth by proactively tackling security challenges and turning them into opportunities for innovation. To the e27 community, thank you for fostering collaboration and driving innovation in this ever-evolving space!”

Maggie Po

Maggie Po is the CEO and Founder of FullSuite, a 10-year-old offshoring company specialising in building offshore teams for venture-backed technology startups in the US. The company serves as a Humans-in-the-loop partner for AI-powered startups in the private capital market industry.

“This year, I’m incredibly proud of contributing to conversations around purpose-driven entrepreneurship. Through my articles on e27, I’ve explored the intersection of passion and sustainable business practices, while also sharing insights on how startups can navigate challenges and scale effectively.

Heading into 2025, I’m excited about the growth of startups in both LegalTech and FinTech and how FullSuite can support these startups as they scale. The intersection of AI application and ethical, data-driven decisions and how founders leverage this responsibly is something that interest me.”

Malcolm Tan

Malcolm Tan is a serial entrepreneur and Founder of Gravitas International and Qrypt Technologies. He serves as Chief Strategist at Technicorum Holdings and Strategic Advisor for Kingswap DEX. He specialises in Cryptocurrency and Blockchain law, advising on over 80 projects, focusing on DeFi, fintech, and Regtech. He is the author of How to ICO/ITO in Singapore and DeFi — The Latest Financial Phenomenon.

Moch Akbar Azzihad M

Moch Akbar Azzihad M is an entrepreneur focused on leveraging technology to create impactful solutions. As Founder & CEO of Converco, he develops blockchain-based solutions for secure, fast, and low-cost transactions, revolutionising the traditional financial industry.

“One of my proudest moments this year was integrating AI into Web3 projects, which opened new doors for innovation and elevated user experiences. Looking ahead to 2025, I’m excited about the continued synergy between AI and blockchain to create smarter, decentralised systems. To the e27 community, thank you for fostering collaboration and amplifying voices that shape the future of technology!”

Paolo Danese

Paolo Denese has over a decade of experience pioneering digital initiatives and launching innovative platforms. As an AI Strategy Advisor, he bridges AI applications with business goals, driving impactful strategies in publishing, media, and the creator economy. His work includes leading the GlobalRMB media brand and launching the Storya AI publishing app, attracting thousands of users and authors globally. He focuses on creating scalable AI solutions and fostering cross-cultural collaboration.

Sam Lee

Since founding Paloe (formerly Excide) in 2015, Sam Lee has become a trusted advisor in preparing startups for Series A and Series B rounds. With extensive experience acting as interim CFO for various tech companies during their fundraising phases, he has helped more than 70 companies craft financial models and effectively communicate their stories through data. His expertise spans working with companies like PolicyPal, Haulio, X0PA, Detrack, Moovaz, Geniebook, USEN, Rainmaker Labs, and Gobbler.

“In Southeast Asia, the funding winter appears to be thawing, with an uptick in Series A announcements likely in the first half of 2025. However, investors are expected to adopt more stringent selection criteria, prioritising startups with clear traction, strong unit economics, and sustainable growth plans.”

Sarah Dongmi Choi

Sarah Dongmi Choi is an experienced startup ecosystem builder with eight years of expertise in fostering growth and innovation. She specialises in Korean startup acceleration, helping early-stage ventures scale globally and maximise investment opportunities. Currently serving as Senior Manager at Chungbuk CCEI, a leading public accelerator funded by the Ministry of SMEs, Sarah plays a key role in supporting startups in their journey to success.

“Being named one of e27’s Top 10 Female Contributors last year opened many doors. This year, as a LinkedIn influencer, I’ve been interviewed by major Korean media and honoured at the Global Women of Influence Awards 2024 in Singapore. I was also recently recognised as one of the Top 10 LinkedIn Voices by an Asian media outlet, gaining widespread recognition.

I’m passionate about helping startups build resilience and entrepreneurs develop strong leadership amidst uncertainty. In the coming year, I plan to share actionable insights and strategies for thriving in challenging times. Additionally, I’ll focus on personal branding to equip entrepreneurs and investors with practical tools for success.

Working in a government-affiliated organisation and a startup accelerator in South Korea, I’ve gained valuable insights and connections through e27’s content and network. I look forward to the community’s continued growth, supporting global expansion for companies and helping investors discover outstanding businesses.”

 

Source: https://e27.co/celebrating-community-driven-growth-top-27-contributors-of-2024-20241218/

 

Anndy Lian is an early blockchain adopter and experienced serial entrepreneur who is known for his work in the government sector. He is a best selling book author- “NFT: From Zero to Hero” and “Blockchain Revolution 2030”.

Currently, he is appointed as the Chief Digital Advisor at Mongolia Productivity Organization, championing national digitization. Prior to his current appointments, he was the Chairman of BigONE Exchange, a global top 30 ranked crypto spot exchange and was also the Advisory Board Member for Hyundai DAC, the blockchain arm of South Korea’s largest car manufacturer Hyundai Motor Group. Lian played a pivotal role as the Blockchain Advisor for Asian Productivity Organisation (APO), an intergovernmental organization committed to improving productivity in the Asia-Pacific region.

An avid supporter of incubating start-ups, Anndy has also been a private investor for the past eight years. With a growth investment mindset, Anndy strategically demonstrates this in the companies he chooses to be involved with. He believes that what he is doing through blockchain technology currently will revolutionise and redefine traditional businesses. He also believes that the blockchain industry has to be “redecentralised”.

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