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.