In a significant development within the cryptocurrency ecosystem, Bitget Wallet has unveiled a comprehensive research report titled “Everyday Finance Onchain: Key Trends Shaping 2026.” This report emphasizes the growing role of crypto wallets as the main interface for day-to-day financial activities conducted onchain. As the adoption of digital assets matures, the report reveals a notable shift in user behavior from sporadic, market-driven trading to more consistent practices such as payments, saving, and asset management, ultimately establishing wallets as the forefront of onchain finance.
The report incorporates insights from a range of participants in the cryptocurrency space, including notable names such as Polygon, Stellar, MoonPay, 1inch, WalletConnect, Base, Sei, Morph, CertiK, Dune, and Animoca Brands. It highlights the transformation of wallets into comprehensive financial operating systems that streamline functions traditionally distributed across various exchanges, banks, and independent applications. As cryptocurrencies transition towards operating as everyday currencies, essential activities like payments, trading, yield farming, and privacy management are increasingly handled through a single, user-controlled interface.
In terms of metrics, 2025 proved to be a milestone year for stablecoins, with onchain transaction volume soaring to nearly $33 trillion and a substantial growth in global stablecoin supply, which increased over 50% to exceed $300 billion. Additionally, spending via popular crypto card programs exploded, registering a remarkable 525% year-on-year increase, signaling a clear movement towards practical financial applications of cryptocurrency. Stablecoins are gradually being integrated into various payment methods, local systems, and hybrid fiat-crypto solutions, functioning as seamless settlement infrastructure.
Beyond payment processes, the report outlines transformative infrastructure developments that are redefining everyday finance onchain. The emergence of AI agents capable of autonomously engaging in transactions via machine-native payment protocols is creating previously unseen economic activities that wallets will need to fund, oversee, and govern. This evolution is fostering new trust models, with the introduction of Know Your Agent (KYA) as a framework to manage delegated permissions and ensure accountability.
The report also notes that as users’ financial behavior stabilizes, wallets are evolving into a behavioral credit layer, which effectively translates users’ long-term onchain activity into reduced barriers and special access. Privacy is underscored as a critical element for scalability and user retention.
Looking ahead, various markets are evolving in tandem with the growth of everyday finance. Real-world assets are progressing beyond static tokenization to embrace perpetual and synthetic representations, facilitated by advancements in oracle networks and onchain derivatives. In 2025, decentralized perpetual markets recorded trillions of dollars in notional volume, drawing trading activities closer to wallets, which provide context and portfolio management capabilities instead of merely isolated protocol access. Prediction markets have also seen rapid expansion, with annual volume surpassing $40 billion, converting real-world occurrences into tradable probability signals.
Alvin Kan, the COO of Bitget Wallet, commented on this development, stating, “Crypto is increasingly being used for everyday financial activity. As payments, infrastructure, and markets move onchain, wallets are becoming the interface that makes this usable in daily life.” Reflecting these trends, Bitget Wallet is strategically evolving its offerings to serve as a versatile everyday finance app. The platform’s new architecture focuses on payments, cash management, and frequent onchain interactions, including a unified Pay hub that integrates crypto cards, QR payments, bank transfers, and in-app shopping, alongside yield and trading functionalities.
The company reported that it has surpassed 90 million users globally, highlighting the necessity to scale services that support real-world financial activities. Data shows that stablecoin-based spending and earning opportunities have outpaced traditional trading activities, with card spending increasing over 28 times and earn subscriptions rising almost tenfold in 2025.
For further details, the full report can be accessed on the Bitget Wallet blog. Bitget Wallet positions itself as an everyday finance platform, aiming to simplify, secure, and integrate cryptocurrency into daily transactions for its global user base. The app offers an all-in-one solution for sending, spending, earning, and trading crypto and stablecoins, powered by blockchain infrastructure. Its advanced security measures are supported by a $700 million user protection fund, ensuring that users maintain full ownership of their funds and private keys while operating on public blockchains.
