Pantera Capital Partner Predicts Next Year's Crypto Trends: Forecasts Market Will See Differentiated Competition, Bitcoin Quantum FUD Persist, DeFi-Native M&As

BlockBeats News, December 25th, Pantera Capital Principal Jay Yu posted 12 predictions for the 2026 crypto trends, including:

· Capital-Efficient Consumer Credit: Introducing simplified lending apps through on-chain/off-chain credit modeling, modular design, and AI behavior learning.

· Prediction Market Divergence: Predicting the market will split into financial direction (integration with DeFi, leverage) and cultural direction (community-driven, long-tail enthusiasts).

· Agent Business with x402 Extension: Agent business expands to micro and regular payments using x402 endpoints, with Solana surpassing Base in low-value transactions.

· AI as Crypto Interface Layer: AI-assisted trading (like trend analysis) becoming mainstream and gradually integrating into consumer apps.

· Rise of Tokenized Gold: Tokenized gold emerging as a key asset of Real World Assets (RWA), chosen as a store of value due to USD concerns.

· Bitcoin Quantum Panic: Quantum breakthrough sparks institutional discussions on Bitcoin's quantum resistance; technology not yet a threat to value.

· Privacy Unified Development Experience: Privacy tech (like Ethereum’s Kohaku) offering simplified dev interfaces, potentially launching privacy-as-a-service.

· DAT Integration: Digital Asset Treasury (DAT) consolidating into 2-3 per major market through settlement or merging.

· Rethinking Token-Equity Separation: Governance token crises lead companies to opt for privatization, potentially introducing redeemable equity tokens.

· Perpetual DEX Integration: Hyperliquid leading the market, HIP3 markets and yield stablecoins (like HyENA) becoming key, USDC losing ground on HYPE.

· Multi-Chain Prop AMM: Prop AMM expanding to multi-chains, capturing over half of Solana's transaction volume, pricing more assets like RWA.

· Traditional FinTech Adoption of Stablecoins: Companies like Stripe, Ramp using stablecoins for international payments, stablecoin chains like Tempo becoming fiat onramps.

Notably, Jay Yu claimed a prediction accuracy of 7/10 for 2025, including an accurate forecast of Solana developer migration.