Three key development trends for crypto in 2026 remain bullish. 1. BTC serves as a store of value to hedge against fiat currency inflation. Bitcoin is the scarcest asset in human history after gold. In recent years, due to differences in consensus duration, holder structure, and liquidity depth, BTC has behaved more like a risk asset than a safe-haven asset. However, with ETFs opening up fiat currency channels, time will strengthen BTC's consensus. 2. Upgrade of the payment system. Traditional cross-border payments, whether B2B or B2C, rely on expensive and slow infrastructure like the Visa settlement network or SWIFT. Current cross-border payment companies reduce SWIFT usage through pre-deposited funds pools, netting, and batch processing, but this doesn't solve the fundamental problem. Blockchain provides a shared ledger for global financial institutions, making stablecoins an inevitable trend that will replace SWIFT and correspondent banks. 3. Everything is on the blockchain. Crypto mass adoption is essentially a consensus on asset volume. Starting six months ago, on-chain US stocks have shown a clear upward trend—including not only native crypto institutions like xStocks, Ondo, and Dinari, but also brokerages like Robinhood and Coinbase, and exchanges like the NYSE and Nasdaq. On-chain US stocks will not be limited to native crypto users; rather, they will serve as an infrastructure upgrade for stock clearing and settlement mechanisms, becoming a channel for global users, including those in the US, to trade high-quality assets.