Insights into Twelve Major Trends to Seize Investment Opportunities.
Author: Jay Yu
Translation: Baihua Blockchain
1 - Capital Efficient Consumer Credit
Capital efficient consumer credit is the next frontier in cryptocurrency lending. It combines complex on-chain and off-chain credit modeling, modular design, collateral management, and AI learning of user behavior, ultimately packaged in an easily accessible application.
2 - Polarization of Prediction Markets
Prediction markets will evolve in two distinctly different directions: the "financial" direction and the "cultural" direction.
Financial direction: Prediction markets will have stronger composability with DeFi, making it easier to access leverage, achieve liquid staking, and create tools similar to refined "options".
Cultural direction: Cultural markets will tend to capture more of the public imagination, exhibiting stronger regional differences, and attracting enthusiasts from long-tail fields.
3 - Agentic Commerce Explodes with x402 Protocol
Agentic commerce using endpoints like x402 will expand into more service areas. While its core appeal remains in micropayments, x402 will increasingly be used as a conventional payment framework—its mechanism is similar to Apple Pay.
Some websites may see over 50% of their transaction volume and revenue coming from x402 payments.
In tiered (cents tiered) x402 transaction volume, Solana will surpass Base.
4 - AI Becomes the Interface Layer for Cryptocurrency
AI-mediated trading loops will become mainstream. While fully automated autonomous trading AI based on large models is still in the experimental stage, AI assistance (analyzing trends, specific projects, wallet tracking) will gradually permeate the user processes of most consumer-facing crypto applications.
5 - The Rise of Tokenized Gold
The trading volume of tokenized gold will grow, becoming a leading asset in the wave of real-world assets (RWA). Tokenized gold can serve as a means to circumvent certain regional restrictions on physical gold and will become an increasingly attractive store of value in the face of structural issues with the dollar (geopolitics, inflation, debt).
6 - Bitcoin's "Quantum Panic"
A quantum panic (perhaps stemming from some technological breakthrough) may occur, prompting institutions holding large amounts of Bitcoin to begin discussing quantum contingency plans. The resilience of Bitcoin and Satoshi-era code will become a focal point. Fortunately, current technology is not yet sufficient to pose a real threat to asset value.
7 - Unified Developer Experience for Privacy Protection
Privacy technology will gain a unified and user-friendly developer interface, with frameworks like Ethereum's Kohaku continuing to evolve. Its evolution is similar to the previous cycle's "Wallet as a Service (WaaS)" platforms—providing application-level products that abstract complex technical connectors. We may see companies offering Privacy-as-a-Service bundles, primarily for enterprise-level workflows.
8 - Merging and Integration of DATs
DATs (Decentralized Autonomous Trusts/Assets) will undergo consolidation, with only 2-3 major players remaining in each main track. This may be achieved through liquidation exits, conversion to ETF-style products, or through mergers and acquisitions (M&A) between DATs.
9 - Breaking the Boundaries Between Tokens and Equity
"Governance" tokens that have no legal control over companies will face a survival crisis. We will see more quality companies choosing to remain "private" for longer periods. There may emerge convertible equity tokens, and the regulatory framework surrounding token legal ownership will become more solidified.
10 - Hyperliquid Maintains Dominance in Perpetual Contract DEX
Perpetual contract decentralized exchanges (Perp DEX) will consolidate, with Hyperliquid maintaining market dominance. The HIP3 market will become a major trading driver, and yield-bearing stablecoins (such as through HyENA) will become the preferred assets on HYPE. USDC's dominance on HYPE will give way to USDe and USDH.
11 - Institutional AMMs Move to Multi-Chain
Institutional AMMs (Prop AMMs) will expand to multi-chain and capture over half of the trading volume on Solana. They will also be used for pricing more assets (such as RWA).
12 - Stablecoins Become International Payment Flows
An increasing number of traditional fintech giants (Stripe, Ramp, Brex, Klarna) will use stablecoins for international payment flows. Stablecoin chains like Tempo will become the main entry point for fiat deposits, first receiving fiat payments and then converting them into stablecoins for settlement.
Article link: https://www.hellobtc.com/kp/du/12/6177.html
Source: https://x.com/0xfishylosopher/status/2003830142330900513
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