2026-01-01 08:00:22

What to watch for in the 2026 crypto market? Based on industry observations, there are several key areas worth paying attention to.

First is the infrastructure upgrade of stablecoins. More efficient and smarter stablecoin deposit and withdrawal channels will become a competitive focus, directly impacting user experience. Related to this is the deep integration of RWA and stablecoins — not just simply bringing assets on-chain, but promoting tokenization in a more native and integrated manner.

The payment scene is also evolving. Stablecoins are driving upgrades to traditional banking ledgers and simultaneously giving rise to new payment methods. The entire internet ecosystem is moving towards "banking-ization," meaning financial functions will be increasingly embedded into various applications.

Wealth management is undergoing democratization. Inclusive wealth management tools will enable more people to participate in asset allocation. Meanwhile, identity verification mechanisms are also iterating — shifting from the traditional "Know Your Customer (KYC)" to "Know Your Agent (KYA)," reflecting the emergence of new Web3 models like multi-signature and delegation.

AI is playing an increasingly important role in this process. This observation covers 17 key directions, almost encompassing the latest developments across multiple tracks such as stablecoins, payments, asset tokenization, and smart contracts.

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FlashLoanLarry

· 01-01 08:24

Stablecoin infrastructure upgrades, RWA tokenization, democratization of wealth management... They all sound grand, but frankly, we're still waiting for the day when deposit and withdrawal channels become truly user-friendly.

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TokenomicsTherapist

· 01-01 08:21

Stablecoin deposits and withdrawals really need to step up, or else poor user experience will make it impossible to retain users. RWA has been a bit overhyped this time; why does everyone keep thinking about "native privacy"? Honestly, it's just trying to fool retail investors. Wait, is KYA still a new concept? Can multi-signature Web3 replace KYC? That sounds a bit like a pipe dream... Honestly, the most important thing in 2026 is real-world payment implementation, not just concepts. It has to be practically usable. AI is also coming to share a piece of the pie, right? Everything in this industry is booming, but AI is the hottest. These 17 directions seem to just label market hotspots; there's not much depth. Democratization of wealth management sounds good, but the barriers are still high—just fooling newbies. No matter how fast stablecoins upgrade, we still have to wait for regulatory relaxations in various countries. Right now, we're stuck. Another "outlook" report, they sing this song every year, but very few actually get implemented.

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DefiPlaybook

· 01-01 08:18

It is worth noting that the efficiency improvement of stablecoin deposit and withdrawal channels directly affects the TVL growth rate. On-chain data shows that the competition intensity in this area is increasing. --- Regarding RWA tokenization, it depends on whether the actual smart contract design considers risk control mechanisms; otherwise, it's just hype. --- The transition from KYC to KYA sounds good, but how exactly is identity verification handled within a multi-signature framework? Are there any real-world cases? --- From three dimensions—payments, wealth management, and AI protocols—what proportion of these 17 directions are truly implementable? Are there any data? --- The trend of internet application financialization is correct, but a risk warning—more links mean a larger attack surface, and flash loans will continue to surge. --- The role of AI here is a bit unclear—are we talking about algorithm optimization for returns or something else? It is recommended to clarify the technical practical path. --- The APY pressure in the stablecoin sector is increasing, and the market is reshuffling. It depends on who can maintain cost advantages.

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WalletsWatcher