As Coinbase’s main business lags, stablecoins and agentic commerce offer an alternate revenue stream.

This reinforces the crypto company’s plays in the institutional and UHNW markets.

A companywide embrace of crypto is increasingly table stakes.

The company shows one way lending technology is changing.

Stablecoins are moving from crypto rails to mainstream payments infrastructure. Regulatory support and institutional investment are accelerating adoption, but consumer trust gaps, fragmentation, and liquidity risks pose near-term hurdles for digital payments.

Heavy investments in its crypto tech stack are bearing fruit.

Crypto is increasingly mainstream, but community banks could be playing with fire.

FIs that follow new rules and manage risk responsibly have less to worry about from highly volatile price movement.

In 2026, economic uncertainty is quietly reshaping consumer payment behavior, driving shifts across cards, cash, BNPL, and emerging alternatives as households adapt how they manage spending and access liquidity.

Private banking needs to change.

FIs need to contend with the growth of stablecoins as a payment mechanism and their popularity as an asset Gen Z consumers favor for a number of different banking uses.

Consumer loan originations rose sharply, and it expects a boom if credit card interest gets capped at 10%.

It’s an early mover among traditional financial institutions.

The banking industry’s pushback has fallen flat against OCC trust charters for crypto firms.

Banks, crypto companies, and Congress continue to grapple with regulating the space.

Sluggish fixed point-of-sale (POS) terminal sales are forcing providers to rethink their strategies. From adding softPOS capabilities to adding AI tools and vertical-specific offerings, POS software is becoming the real competitive battleground.

2025 was a big year for cryptocurrency. Cryptocurrency payment users grew 24.8%, to 4.9 million US adults, per our forecast. Between institutional buy-in and unprecedented support at the highest levels of the US government, the crypto market hit record highs—before plummeting in the final months of the year. Crypto gained mainstream momentum, but its volatility hasn’t changed. For banks and crypto infrastructures, this unpredictability kneecaps efforts to integrate crypto as an accepted currency at the point-of-sale.

A Canadian dollar-backed stablecoin is coming, but it may get stuck in a regulatory quagmire.

Themes in stablecoins, crypto infrastructure, bank charters, and Gen Z behaviors.

An institutional crypto desk would legitimize crypto in a way that no other FI could.