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Following2026: Stablecoins and tokenized assets drive cryptocurrency markets closer to traditional finance
In 2026, cryptocurrency markets are accelerating their convergence with traditional financial systems. Stablecoins, tokenization of real-world assets (RWA), and institutional capital play a central role in this process. Improved regulatory policies and longer trading hours on major exchanges have further accelerated this consolidation, and companies are increasingly viewing digital assets as part of a broader market infrastructure.
Stablecoins Driving Payment Infrastructure Transformation
Stablecoins are evolving from mere trading tools to critical tools for global business operations. According to DeFiLlama data, as of May 2026, the market value of stablecoins has reached US$315 billion. Transfers in June exceeded US$1.8 trillion, reflecting their growing importance in cross-border payments and treasury management, especially in markets where local currencies are volatile.
The 2026 Survey Report jointly released by EY-Parthenon and Coinbase surveyed 351 global institutional decision makers. The results show that nearly 85% of institutions are either using stablecoins or actively considering using them for internal operations or cross-border settlement. Today, stablecoins have transcended their early single trading role and become an important carrier with both liquidity management and payment functions.
Vilhelm German, a cryptocurrency investor and executive, said: "Stabiloins are reshaping the global capital flow landscape, and companies investing in solid infrastructure today will affect how payment systems work over the next decade." He pointed out that competition among stablecoins increasingly depends on the speed, cost and efficiency of the underlying financial infrastructure.
Institutional capital reshapes the structure of the crypto market
The influx of institutional capital marks that the crypto market is moving towards a more mature and standardized stage. Large asset management companies, including BlackRock and Fidelity, expanded their presence in digital assets in 2026.
Major U.S. bank JPMorgan Chase has migrated its settlement token JPM Coin to Base, a second-level extended solution built on Ethereum. Other traditional financial institutions such as Franklin Templeton and VanEck have also launched tokenized U.S. Treasury and government debt products, marking the deepening adoption of blockchain infrastructure at the institutional level.
A 2026 survey shows that about three-quarters of institutional investors plan to increase their allocation of crypto assets, with many institutions aiming to increase the proportion of crypto assets in their total assets under management to more than 5%. Vilhelm German explained that when institutional investors such as pension funds and asset management companies enter a new market, they place higher demands on risk management, custody and compliance. This shift is pushing digital assets to gradually assume the characteristics of mature asset classes.
现实世界资产代币化进程加速
现实世界资产（RWA）的代币化势头强劲，应用场景已从试点项目扩展到更广泛的领域。随着资产管理公司拥抱区块链技术以开发新的金融产品，国债、货币市场基金和私人信贷等资产的链上发行和交易数量显著上升。
到2026年，基于区块链的RWA解决方案的管理资产总额（AUM）已超过380亿美元，相比2025年初增长了270%以上。
German强调，代币化的核心价值不仅在于资产的数字化表征，更在于为金融市场解锁可编程性和全天候的全球访问能力。然而，行业参与者仍在权衡这些代币化资产是否真正提高了流动性，还是仅仅以数字形式复制了现有工具。
名词解释：现实世界资产（RWA）代币化
指在区块链上发行代表有形金融资产（如国债或私人贷款）所有权的数字代币的过程。这使得金融活动具备可编程性，并能在无需传统中介的情况下进行全球转账。
监管清晰化与全天候市场重塑竞争格局
随着数字资产与传统金融的融合，监管清晰度已成为决定性因素。欧盟的《加密资产市场法规》（MiCA）框架为数字资产发行人和服务提供商提供了关于储备金、许可和合规性的明确要求。这种规则透明度正在影响加密企业的运营地点选择及融资策略，尤其是对于那些日益重视合规性和风险控制机构的考量。
German指出，监管合规已从一项成本中心转变为加密行业建立信任和获取市场准入的关键驱动力。
与此同时，全天候金融的趋势正在加速。6月份，纳斯达克获得了每周五天每天运行23小时的许可，纽约证券交易所（NYSE）也准备在未来一年延长部分资产的交易时间。German预测，下一步将是完全基于数字基础设施、实现全球无间断访问的市场，并通过智能合约自动化许多底层流程。
代币化和交易时长的延长有望减少市场摩擦，降低人工干预，并为全球金融效率设定新的标杆。
