A recent report from Bitget Wallet, titled “Everyday Finance Onchain: Key Trends Shaping 2026,” provides an in-depth analysis of the evolving landscape of finance. The research highlights a significant transition in user engagement, moving away from speculative trading and towards practical applications such as payments, savings, and asset management.
The findings indicate that digital wallets are rapidly becoming the primary interface for conducting recurring onchain financial activities. This evolution sees wallets transforming into comprehensive financial operating systems, consolidating functions that were previously fragmented across various exchanges, banks, and standalone applications.
A noteworthy trend highlighted in the report is the substantial growth in stablecoin adoption and associated payment processes. In 2025, the onchain transaction volume for stablecoins reached approximately $33 trillion, while the global supply of stablecoins grew by over 50% to exceed $300 billion. This surge underscores a notable shift towards real-world financial applications, as evidenced by a staggering 525% increase in spending through major crypto card programs.
Stablecoins are increasingly integrated into payment cards, local payment systems, and hybrid fiat-facing infrastructures, operating as largely invisible components of the settlement process.
Beyond payment functionalities, the report also discusses the rise of AI agents, which are beginning to operate autonomously using machine-native payment protocols. This development introduces new forms of economic activity necessitating advanced funding, monitoring, and control capabilities within wallets. As the role of wallets expands, they are evolving into behavioral credit layers that translate long-term onchain activities into improved access and reduced friction for users.
The maturation of markets is also notable, with real-world assets advancing beyond mere tokenization towards perpetual and synthetic exposure. This evolution is facilitated by the development of oracle networks and onchain derivatives. In 2025, decentralized perpetual markets processed trillions of dollars in notional volume, closing the gap with centralized trading venues and enhancing the trading experience directly within wallets.
Furthermore, prediction markets saw rapid expansion, with annual volumes exceeding $40 billion, enabling the conversion of real-world events into tradable probability signals. As the landscape of onchain finance continues to evolve, these trends indicate a move towards more integrated and functional financial applications.
Disclaimer: This article serves for general informational purposes for global users and does not constitute investment advice or an offer to buy or sell any financial instruments or digital assets. Any views expressed are based on current market observations and are subject to change. Past performance is not indicative 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.
