Cryptocurrencies are transitioning from the experimental stage to mainstream adoption. Industry experts predict that by the end of 2026, approximately half of the Fortune 500 companies will have established crypto asset exposure and will have launched formal digital asset strategic frameworks—covering tokenized assets, on-chain government bonds, stablecoins, and programmable financial instruments across multiple sectors.

What is driving this shift? The key lies in infrastructure development. Stablecoins are evolving into the underlying infrastructure for global clearing and settlement, rather than just payment tools. Traditional payment giants like Visa and Stripe have already begun deep integration of related functionalities, meaning the convenience and security of on-chain transactions are approaching those of traditional finance.

Specifically, in terms of numbers. It is expected that in the future, 5%-10% of transaction volume in capital market settlements will migrate on-chain; among the top 50 banks worldwide, about half will establish new crypto asset custody services around 2026. These figures may seem small, but they reflect a systemic adjustment across the entire financial ecosystem.

2026 is likely to become a turning point—institutional adoption will shift from pilot projects to large-scale deployment, turning the "value internet" from a concept into reality. The ecological applications of assets like XRP will also expand accordingly. The entire industry is at a critical stage of moving from the fringes to the mainstream.