BlockBeats news, December 25, Pantera Capital junior partner Jay Yu published an article making 12 predictions for crypto trends in 2026, including:
· Capital-efficient consumer credit: Launching simplified lending applications through on-chain/off-chain credit modeling, modular design, and AI behavioral learning.
· Differentiation of prediction markets: Prediction markets split into financial direction (integrated with DeFi, leveraged) and cultural direction (community-driven, long-tail enthusiasts).
· Agent commerce and x402 expansion: Agent commerce expands to micro-payments and regular payments using x402 endpoints, with Solana surpassing Base in low-value transaction volume.
· AI as a crypto interface layer: AI-assisted trading (e.g., trend analysis) becomes mainstream, gradually integrated into consumer applications.
· Rise of tokenized gold: Tokenized gold becomes a key asset in RWA (real-world assets), serving as a store of value due to dollar issues.
· Bitcoin quantum panic: Quantum technology breakthroughs spark institutional discussions on Bitcoin’s quantum resistance, with technology not yet threatening value.
· Unified privacy development experience: Privacy technologies (e.g., Ethereum’s Kohaku) provide simplified development interfaces, potentially launching privacy-as-a-service.
· Consolidation of DATs: Digital asset trading platforms (DATs) consolidate to 2-3 per major market, achieved through liquidation or mergers.
· Rethinking token and equity separation: Governance token crises prompt companies to choose privatization, possibly introducing redeemable equity tokens.
· Perpetual DEX consolidation: Hyperliquid dominates the market, with HIP3 markets and yield-stablecoins (e.g., HyENA) becoming key, and USDC losing ground on HYPE.
· Multi-chain Prop AMM: Prop AMM expands to multi-chain, accounting for over half of Solana’s trading volume, pricing more assets like RWA.
· Traditional fintech adoption of stablecoins: Stripe, Ramp, etc., use stablecoins for international payments, with stablecoin chains like Tempo serving as fiat on-ramp bridges.
Notably, Jay Yu stated that his predictions for 2025 (accuracy rate as high as 7/10, including precise judgments on Solana developer migration predictions).
