What will the crypto look like in five years? Here are the perspectives of three top AI experts. Modern AI is very powerful. It has the most information sources and good decision-making ability. I decided to ask CHATGPT 5.2, GEMINI 3.0 and GROK the same question and ask them to give me the answers. Some of the commonalities are worth noting. Especially now that we've looked back at the institutional predictions from the beginning of the year, which were almost all wrong, let's take a look at AI instead. Question: Please help me predict ten events related to the crypto five years from now. These events must be significant, have a far-reaching impact, and be relevant to investment decisions. I. ChatGPT 1) If BTC is included in a "sovereign-level" balance sheet, with at least one G20 member country publicly allocating it, the price will rise to $180,000-$600,000 per coin. Probability: 60%. 2) US stablecoin regulation is "substantially complete," with USDC/similar compliant cryptocurrencies becoming one of the default settlement carriers for banks and brokerages. The USDC market capitalization is estimated at $300 billion to $1.2 trillion. Probability: 70% 3) Partial on-chain settlement of US stocks/bonds becomes the norm: This is not for on-chain speculation, but rather an upgrade in back-end clearing. Probability: 55% 4) As ETH rises to 8,000-25,000, its status changes from "King of Public Chains" to "Financial Computing Layer": RWA/stablecoins/settlement have significantly increased their share in its ecosystem. 5) Solana will rise to $500–$2,500, becoming the main arena for "high-frequency consumer-grade on-chain applications": not DeFi, but rather payments/social/gaming/content. Probability: 50%. 6) The boundaries between compliant exchanges and brokerages disappear: a super portal at the level of "on-chain Futu/on-chain Robinhood" emerges. Probability: 65% 7) Bitcoin Layer 2 and "BTC Financialization" Enter a New Stage: On-chain Credit Expansion with BTC as Collateral. Probability: 45% 8) Stablecoin returns are shifting from "profiting from short-term debt spreads" to "service fees + network fees": the proportion of interest rate spreads is decreasing. Probability: 60% 9) A "crypto-style financial crisis" occurs: a liquidation-level incident occurs in a certain type of asset/chain, followed by accelerated intervention from regulators and institutions. Probability: 55% 10) The changing sources of alpha in the crypto market: from narrative hype to cash flow and compliant distribution. Probability: 75% II. Gemini 1. Bitcoin's price surpasses $1 million, and its market capitalization exceeds that of gold. In this cycle following the 2028 halving, Bitcoin's value has increased due to the continued depreciation of global fiat currency credit and the comprehensive allocation by institutional investors. 2. The United States established a "strategic Bitcoin reserve," and G7 countries followed suit by formally legislating against the US government, with the reserve accounting for 5% of their national treasury assets. 3. MicroStrategy's market capitalization has entered the top five in the US stock market, becoming a "Bitcoin bank" with a market value exceeding $1.5 trillion to $2 trillion. 4. Circle (CRCL) has surpassed $200 billion in market capitalization, and its issued stablecoins have reached $3 trillion. USDC has replaced part of SWIFT's market share. USDC is not only a medium of exchange in the crypto, but has also become the main settlement currency for global cross-border trade (especially in trade zones outside of China and the United States). 5. AI and Crypto are fully integrated: AI Agents become the largest active user group on the blockchain, and by 2030, hundreds of millions of AI Agents will be autonomously collaborating on the Internet. 6. "Longevity technology" explodes, the first anti-aging drug hits the market. 7. BlackRock launches "tokenized US Treasury bonds" as underlying collateral for DeFi. 8. Ethereum (ETH) has become the global financial settlement layer, with the price of a single coin exceeding $20,000. Although facing challenges such as Solana, Ethereum has ultimately established its position as the "global financial settlement layer" through Layer 2 technology. The settlement of all high-value assets (stocks, real estate, bonds) is completed on Ethereum. 9. Restructuring of Personal Credit Scoring System: On-chain Data Replaces FICO/Credit Reporting 10. Games and the Metaverse: The emergence of Roblox-level Web3 games, with a completely closed-loop economic system. III. Musk's GROK 1. Bitcoin will reach an average price of $1 million, surpassing gold as the global reserve asset for the first time. 2. Ethereum surged to $20,000, dominating the DeFi ecosystem, with network TPS (transactions per second) exceeding 100,000 and supporting global payments. 3. The stablecoin market has expanded to $3 trillion, replacing some cross-border remittances. The total market capitalization of stablecoins will reach $3 trillion, with USDT and USDC dominating 90% of the market share and supporting daily transaction volume of over $100 trillion. 4. The total value locked in DeFi protocols has reached $500 billion, replacing 10% of the traditional lending market. Protocols such as Aave handle 10% of global lending, with annual transaction fee revenue exceeding $100 billion. 5. MSTR stock price surges to $2,000, a Bitcoin leverage amplifier. MSTR will hold over 1 million BTC, with an average share price of $2,000 and a market capitalization exceeding $500 billion, becoming a proxy stock for Bitcoin on Wall Street. 6. Coinbase (COIN) shares surged tenfold to $1,000. As the world's leading exchange, COIN will handle 50% of global retail transactions. With a share price of $1,000 and revenue exceeding $50 billion, it benefits from clear regulations and international expansion. 7. A unified global regulatory framework for crypto has been established, attracting $10 trillion in institutional funding. By 2030, the G20 will adopt MiCA-like standards, recognizing crypto assets as a legitimate category, resulting in $10 trillion in institutional inflows and pushing the total market capitalization to over $20 trillion. 8. The metaverse economy has reached $1.3 trillion, and the prices of MANA and SAND have increased tenfold. [Note from Daewoo: This AI's viewpoint is absolutely idiotic.] 9. The widespread adoption of VR/AR hardware will drive this trend. 10. The convergence of AI and cryptography has exploded, with new tokens exceeding a market capitalization of $2 trillion.

The world of AI is so wonderful!