Pantera Capital researchers released 12 predictions for the cryptocurrency market in 2026.

[Pantera Capital Researcher Releases 12 Predictions for the 2026 Crypto Market] According to Mars Finance, Pantera Capital researcher Jay Yu released 12 predictions for the 2026 cryptocurrency market on the X platform: 1. Capital-efficient consumer credit: Combining on-chain and off-chain credit modeling, modular design, and AI user behavior learning will become the new frontier of crypto lending; 2. Market differentiation: The market will differentiate into a financial direction combined with DeFi, and a cultural direction that captures popular culture and long-tail enthusiasts; 3. The rise of agentic commerce: The x402 protocol will expand to regular payments, and Solana may surpass Base in tiered transaction volume; 4. AI as the crypto interface layer: AI-assisted analysis, project research, and wallet tracking will permeate most consumer-grade crypto applications; 5. The rise of tokenized gold: It will become a safe-haven asset and a new frontier for RWA. 6. Leading assets in the field; 7. Bitcoin quantum threat panic: Technological breakthroughs may trigger discussions about the threat of quantum computing, prompting cryptocurrency holders to develop contingency plans; 8. Unified privacy development experience: Privacy-as-a-Service bundles will emerge, simplifying the integration of privacy technologies into enterprise-level workflows; 9. DAT consolidation: DAT will be consolidated, with only 2 to 3 remaining in each major sector through mergers and acquisitions or liquidations; 10. Breaking down the boundaries between tokens and equity: Tokens that can be exchanged for equity may emerge, and the regulatory framework for the legal ownership of tokens will become more solidified; 11. Hyperliquid maintains Perp DEX hegemony: The USDC share on HYPE may be replaced by USDe and USDH; 12. Professional-grade AMMs move to multi-chain: They will account for more than half of Solana's trading volume and begin pricing assets such as RWA; 13. Stablecoin international settlement: Fintech companies such as Stripe, Ramp, Brex, and Klarna will use stablecoins for international settlements.