Crypto in 2026: Shifting From Hype to Real-World Utility

Jakarta, Pintu News – Instead of centering on massive price hype, the focus of the crypto market in 2026 is expected to shift to how these technologies are actually used in everyday financial life.

Recent research from Pantera Capital suggests that the year could be one where infrastructure, payment systems, and real-world applications will take precedence over speculation.

Here’s a clear picture of what might shape the next phase of the crypto market’s development:

Real World Assets, Bitcoin, and Stability

Read also: Analysts Predict a Mini Altseason in Early 2026 as Bitcoin’s Dominance Starts to Shift

Tokenization of real-world assets is expected to remain a major theme. In particular, gold-backed tokens are gaining traction as investors seek digital assets that are linked to traditional stores of value. Such tokens provide exposure to gold without the need for physical storage, which is particularly attractive in times of inflation or global uncertainty.

Bitcoin is likely to face a different kind of scrutiny. Advances in quantum computing could spark discussions about long-term security, forcing major holders to start thinking about future protection measures.

Although a real threat is not in sight in the near future, just this talk alone can affect market sentiment.

Meanwhile, stablecoins have the potential to become one of the most important tools in the crypto ecosystem. Not as the main headline, but as the force behind cross-border payments-helping fintech companies transfer funds faster and cheaper between countries.

Loans, Payments, and Everyday Finances

Big changes are also predicted in the world of crypto lending. Currently, most crypto loans require users to lock up large amounts of assets as collateral.

In the future, this model could shift to a consumer-style credit system, where platforms assess risk using blockchain activity data, off-chain data, and AI-based tools. The result could be simpler applications that feel like traditional financial services-but run on crypto technology.

Payments are also expected to become more “invisible”. Automated payment systems based on software agents will grow rapidly, no longer limited to microtransactions, but extending to routine expenses.

For users, it can feel like using a regular digital wallet, where crypto works in the background without the need for constant attention.

Read also: Will Zcash Price Plummet or Continue to $600?

Markets, AI, and Trade Infrastructure

The prediction market will likely split in two directions. Some platforms will be more financial in nature, integrated with decentralized trading and structured products.

While others will focus on culture and entertainment, covering topics such as sports or politics. This distinction reflects the increasingly broad and diverse audience for which crypto is being used.

Artificial intelligence is expected to become a built-in feature in many crypto apps. Not as fully automated trading bots, but rather tools for users to analyze trends, track specific wallets, and understand market movements. This technology can help users – especially beginners – navigate the crypto world more easily.

Trading infrastructure may also see consolidation. Decentralized derivatives platforms could shrink to just a few large players, while automated market makers (AMMs) will expand their reach across multiple blockchains, even starting to support real-world assets in addition to crypto tokens.

That’s the latest information about crypto. Follow us on Google News to get the latest crypto news about crypto projects and blockchain technology. Also, learn crypto from scratch with complete discussion through Pintu Academy and stay up-to-date with the latest crypto market such as bitcoin price today, xrp coin price today, dogecoin and other crypto asset prices through Pintu Market.

Enjoy an easy and secure crypto trading experience by downloading Pintu crypto app via Google Play Store or App Store now. Also, get a web trading experience with various advanced trading tools such as pro charting, various types of order types, and portfolio tracker only at Pintu Pro.

*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities have high risk and volatility, always do your own research and use cold cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.

Reference:

• Coin Edition. Why Crypto’s Next Market Cycle Will Focus on Use, Not Hype. Accessed on December 28, 2025