How AI & Tokenization Will Change Small Businesses and M&A by 2025

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Key Takeaways:

Tokenization offers small businesses an easier way to raise funds.
AI helps small companies work smarter and grow faster.
Bitcoin is becoming a financial safety net for businesses.

Big changes are coming, especially for small businesses. According to Hunter Horsley, CEO of Bitwise, 2025 could mark a major shift in how small businesses grow, raise money, and use technology. He highlights three key trends: tokenization, artificial intelligence (AI), and changing M&A rules.

Table of Contents

Tokenization: Making Fundraising Easier

Let’s start with tokenization. This idea might sound a bit technical, but it’s not hard to understand. Tokenization turns real-world assets—like property, stocks, or even art—into digital tokens. These tokens can be traded on blockchains quickly, securely, and often without middlemen like banks or brokers.

Why It’s a Big Deal

Raising money has always been tough for small businesses. Traditional financing systems tend to favor large companies. Tokenization changes that. It lets small businesses reach investors around the world without jumping through as many hoops. Instead of taking out loans or going public on stock markets, companies can create digital tokens to get funding.

2025 and Beyond

Horsley thinks tokenization will explode in popularity by 2025. He sees it becoming a major tool for small businesses to grow. By issuing tokens, companies can access global capital markets in a way that’s cheaper and faster than ever before.

Bitwise CEO

AI: Helping Small Businesses Thrive

AI isn’t just for big tech companies anymore. It’s becoming more accessible and affordable, and small businesses are starting to use it to their advantage.

AI Makes Work Easier

AI can help small businesses save time, cut costs, and operate more efficiently. For example, a local coffee shop might use AI to predict demand, optimize supply chains, or even automate customer orders. This lets owners focus on running their business instead of getting bogged down in daily tasks.

A New Era for Small Companies

Horsley envisions what he calls a “new long-term capital market.” In this future, thousands of small businesses thrive by combining AI and tokenization. These businesses may not be big enough to go public. But they can still grow by issuing tokens and using AI to streamline their operations. It’s a way to level the playing field, even in competitive industries.

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Bitcoin: The New Financial Safety Net

Bitcoin isn’t just for tech enthusiasts or investors anymore. Businesses are starting to treat it as a valuable financial tool.

Why Bitcoin?

Think of Bitcoin as digital gold. It’s seen as a hedge against inflation and economic uncertainty. For small businesses, holding Bitcoin can offer stability in unpredictable times. Plus, it positions companies for a digital future, where cryptocurrency could play a bigger role in transactions.

Following the Leaders

Some companies are already leading the way. Take MicroStrategy, for example. They’ve invested heavily in Bitcoin, holding over 446,400 BTC. Smaller businesses are starting to notice and adopt similar strategies. By 2025, Horsley expects Bitcoin to become a strategic asset for many companies, not just the big ones.

M&A: Crypto Joins the Mainstream

Changes in merger and acquisition (M&A) regulations could also give the crypto world a boost.

Big Companies, Big Changes

If M&A rules are relaxed, major corporations like Amazon or Tesla could start buying smaller companies that specialize in blockchain or crypto. This could help integrate these technologies into everyday business faster than many expect.

M&A Regulations

The Risks

However, Horsley warns there’s a downside. If big corporations dominate the market, it could hurt competition and limit innovation. That’s why decentralization—the core idea behind blockchain—remains so important. Decentralized systems ensure that no single player has too much control, keeping opportunities open for everyone.

Looking Ahead to 2025

So, what’s next? Horsley paints a picture of a future where tokenization, AI, and Bitcoin play central roles in business and finance. Here’s a quick recap of what to expect:

Tokenization will make it easier and cheaper for small businesses to raise money.
AI will help companies operate more efficiently, saving time and resources.
Bitcoin will act as a financial reserve, offering stability in uncertain times.
M&A regulations could bring blockchain and crypto into the mainstream faster than expected.

These trends could redefine how businesses operate, giving small companies a chance to thrive in a competitive world.

2025 might just be the year that crypto, AI, and blockchain go from niche concepts to everyday tools. For small businesses, the future looks bright. The tools are there. It’s just a matter of using them to grow and innovate.