a16z Predicts Decentralized Payments to Become Mainstream, and My Judgment Is as Follows
a16z's report "17 Big Ideas for Crypto in 2026" predicts decentralized payments will become mainstream, highlighting that stablecoin transaction volume in 2024 reached $46 trillion—20 times that of and nearing three times Visa's. Odaily Planet Daily argues that 2026 will be a turning point for crypto and crypto payments, offering five key judgments:
1. Stablecoin gateways will undergo revolutionary changes, with payment giants launching networks (like Stripe-backed Tempo) for smoother, cheaper fiat-to-crypto conversions, enabling true peer-to-peer electronic payments.
2. RWA assets will integrate with stablecoins, driving on-chain lending. Tokenized real-world assets, using stablecoins like USDC or USDT for pricing, will enhance liquidity and enable new financial products like perpetual contracts.
3. The "internet as a bank" model will emerge, combining AI Agents, the x402 protocol, and stablecoins. This will merge online and on-chain payments, allow tokenization of digital products, and stimulate the virtual economy through efficient, direct creator payments.
4. The era of universal finance will begin, lowering investment barriers. Tokenized stocks and fractional ownership will let people invest small amounts in assets like SpaceX IPO shares, supported by AI advisors.
5. The stablecoin market will see intense competition ("hundred-army war"), with more players like OSL Group and Jupiter launching their own stablecoins, potentially bringing user benefits through subsidies and incentives.
Odaily星球日报22 分前