We've got the Bakkt platform coming in November, which is backed by physical Bitcoins and they have confirmed that no fractional banking will be applied. We need SEC regulation and when it eventually arrives it is likely to be good for crypto, an enlightened approach in much the same way that the Clinton administration regulated the internet, in order to avoid innovation and capital flight from the US in the global Fintech race. A Bitcoin ETF will be upon us, probably in 2019, although it may come from Canada before it comes from the US. Crypto is viewed by institutions as a new asset class with the opportunity for exceptional revenue and alpha. I hesitate to offer financial advice, so let me put it another way. I'm hodling, because my nous tells me that in the long-run it will all be worthwhile, but it's going to be a bumpy ride. The good, low-hanging fruit will become more difficult to reach as time goes on and there will be many wealthy people created from digital assets, more so than the stock-market. (opinion)