But that’s an unlikely scenario. Instead, in the coming years more banks – with higher profiles – will likely be willing to work with crypto firms. Better policy will be put in place, and mature crypto firms that survive, or start in, the bear market will have to meet tighter regulations and submit to more scrutiny. This prediction is in part based on a hunch, and a few background calls with bankers who could not go on the record and who said that crypto is still an area of business development. While things seem bleak, it’s important to recognize that bitcoin did not go to zero and that much of the industry is more than holding up.