A new report by Bitget Wallet, Everyday Finance Onchain: Key Trends Shaping 2026, looks at the main structural trends shaping the future of finance. Research suggests that user activity is shifting from speculative trading to functional applications such as payments, savings and asset management. According to the findings, digital wallets become the main interface for these recurring financial activities conducted onchain.
Increasing adoption of stablecoins and payments
The report describes how wallets are evolving into financial operational systems by consolidating functions that were previously shared between exchanges, banks and independent applications. Payments, trading, returns and privacy are increasingly integrated into a single user-owned interface as cryptocurrencies begin to function more like everyday money. In 2025, the volume of onchain transactions using stablecoins will reach approximately $33 trillion, and the global supply of stablecoins will increase by more than 50% to exceed $300 billion. Spending through the main crypto card programs increased by 525% from the previous year, highlighting a transition to real-world financial use. Stablecoins are increasingly integrated into cards, local payment systems and fiat-oriented hybrid infrastructures, functioning largely as an invisible settlement infrastructure.
AI agents become autonomous economic actors
Beyond payments, the report highlights the infrastructure changes that are reshaping everyday onchain finance. AI agents are beginning to perform transactions autonomously using machine-native payment protocols, spawning new forms of economic activity that wallets must finance, monitor and control. Trust models are evolving with this change, and Know Your Agent (KYA) is emerging as a framework for managing delegated permissions and accountability. As financial behaviors become more constant, wallets also begin to function as a layer of behavioral credit, transforming long-term onchain activity into friction reduction and differentiated access, while privacy becomes an essential infrastructure for scaling and retention.
Market Maturity and Real World Assets
Markets continue to develop within this broader context of everyday finance. Real-world assets are moving beyond static tokenization to perpetual and synthetic exposure as oracle networks and onchain derivatives mature. Decentralized perpetual markets have processed trillions of dollars in notional volume by 2025, closing the gap with centralized platforms and directing more trading activity directly into wallets that provide routing, context and portfolio management, rather than isolated access to protocols. Prediction markets have also expanded rapidly, with annual volumes exceeding $40 billion, turning real-world events into tradable probability signals. Disclaimer: This article is provided solely for general informational purposes to global users and does not constitute investment, legal or financial advice, nor an offer or solicitation to buy or sell financial instruments or digital assets. Any opinions expressed are based on current market observations and are subject to change. Past performance is no guarantee of future results. Digital assets are volatile and may not be suitable for all investors. Readers should conduct their own independent research and seek professional advice before making any investment decisions. Restrictions may apply. Join our 33,000+ subscribers. No spam, just useful info.