According to Lex Sokolin, the future of financial technology will combine regulated fintech front-ends with permissionless protocol back-ends, aiming to deliver a seamless user experience. This hybrid model is expected to boost market access and liquidity for crypto traders by integrating compliance with the efficiency of decentralized networks, potentially impacting BTC, ETH, and other major cryptocurrencies through increased adoption and trading volume (source: Lex Sokolin).