Day 3 and the Finnish session of NCAW 2026 is wrapped 🇫🇮
If you missed it, here are some key datapoints:
- Nearly 800.000 adults in Finland own crypto, a decline of 145,000 owners over the past year
- Much of this decline is seen with young adults, ages 18-39.
- The 40-49 age group is now Finland’s largest crypto‑owning demographic.
- Bitcoin is the most commonly owned cryptocurrency in Finland.
As Aki Kola (
@Coinmotion) from the webinar's first panel puts it: The market has contracted a bit, and there's a lot less hype and positive headlines in the media. However, institutional adoption is on the rise with BlackRock and pension funds coming on board and looking with interest at digital assets and crypto.
The first panel was also keen to share their thoughts on stablecoins and tokenisation, e.g.:
Joonas Järvinen,
@KvarnX: Innovation has been flooding the US with the new administration. Many US platforms have onboarded tokenisation and are ahead compared to Europe. But we are getting there, and the regulation seems to move in a direction where tokenisation and RWA will be more widely available.
Anita Kalergis (
@KryptoGranny), Ipsum Consulting & Helsinki Blockchain Center: ETFs and institutional adoption have brought a significant level of trust to the industry. Tokenisation of real-world assets will be a dominant aspect in the Finnish market. We are still awaiting regulation to get into place, but that will create a significant shift.
Martin Wichmann (
@wichmann_martin),
@KvarnX: Stablecoins are an obvious product-market - it’s a killer use case, but Europe has dropped the ball a bit. MiCA is too strict and is killing the EU startups. Tokenisation is definitely where the market is heading… it might take a year or two, but tokenisation and stablecoins will play a key role in the financial infrastructure moving forward.
The second panel - Max Atallah (
@NordicLaw_fi), Patrick Aarikka (Cairn's Point), and Sascha Bross (Ivy) - addressed EMTs in Finland and the regulatory interplay with MiCA and PSD2.
Given the depth and value of this discussion, highlights will be shared in a separate post.
Thank you to all speakers for their insights today!
You can watch the replay here:
youtube.com/live/1lZEE92-P44
Don’t forget to tune in to tomorrow’s two sessions:
1) Crypto adoption in Norway at 11:00 CET:
linkedin.com/events/74389679…
2) Comparison of Nordic Countries at 13:00 CET:
linkedin.com/events/74389696…
Nordic Crypto Adoption Week 2026 is brought to you by Nordic Blockchain Association,
@K33Research, and
@kaupr_io in partnership with
@firiapp,
@blockpit_io,
@bravaxyz, d-fine, and
@KvarnX