Bankless 12 Big Crypto Predictions for 2026 | Ryan & David
Dec 24, 2025
Ryan and David dive into bold crypto predictions for 2026, highlighting stablecoins poised to become mainstream payment methods. They foresee a surge in tokenization, along with a wave of new crypto ETFs capturing institutional interest. Discussions around market regulations reveal potential shifts in flow dynamics. Quantum risks loom on the horizon but are deemed manageable for now. The rise of decentralized exchanges could disrupt traditional trading. As they contemplate the future, contrasting visions of crypto's evolution emerge, emphasizing the diverse paths ahead.
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Stablecoins Become Real Payment Rails
- Stablecoins will transition from backend plumbing to real consumer payment rails that power remittances, payroll, and faster settlement.
- This shift will be mostly invisible to consumers but disruptive to incumbents like banks.
Tokenization Scales Beyond Pilots
- Tokenization will move beyond pilots into scaled issuance and use as collateral across lenders and platforms.
- Regulatory clarity and major tokenized products (like BlackRock's) will accelerate mainstream adoption.
ETF Explosion Widens Institutional Access
- Expect a large expansion of crypto ETFs and integration into mainstream model portfolios and wirehouse offerings.
- This ETF wave will broaden institutional access and embed crypto into standard allocations.