Crypto Wallets Becoming Central to Everyday Finance, Bitget Report Shows

Bitget Wallet released a report titled 'Everyday Finance Onchain: Key Trends Shaping 2026,' highlighting how crypto wallets are becoming the primary interface for onchain financial activities. The report argues that users are increasingly leveraging these platforms for regular financial tasks such as payments, saving, and asset management, rather than just for occasional trading. This trend indicates a shift toward using blockchain as a more functional tool for daily finance.

Stablecoin usage is a major driver of this transition. In 2025, onchain stablecoin transactions reached $33 trillion in volume, while the global stablecoin supply grew more than 50% to over $300 billion. This growth underscores the integration of stablecoins into everyday financial systems, including cards, local payment systems, and hybrid fiat-facing rails. The report notes that spending across major crypto card programs increased 525% year on year.

Beyond payments, the report also explores infrastructure changes in onchain finance. AI agents are now transacting autonomously using machine-native protocols, leading to new economic activity that wallets must fund, monitor, and control. Trust models are evolving with this shift, with 'Know Your Agent (KYA)' emerging as a framework for managing delegated permissions and accountability. Additionally, wallets are starting to function as a behavioral credit layer, translating long-term onchain activity into reduced friction and differentiated access.

Why Did This Shift Happen?

The shift is being driven by both technological and user behavior changes. As crypto becomes more accessible and functional, users are adopting it in ways similar to traditional finance. Wallets are consolidating functions once spread across exchanges, banks, and standalone apps. Payments, trading, yield, and privacy are increasingly handled through a single, user-owned interface.

This consolidation is part of a broader trend where wallets are evolving into 'financial operating systems.' The report includes insights from partners like Polygon, Stellar, MoonPay, 1inch, and others, highlighting the growing consensus that wallets are central to the future of onchain finance.

How Are Markets Reacting?

Markets are responding by developing new financial infrastructure and products. Real-world assets are moving from static tokenization to perpetual and synthetic exposure, with oracle networks and onchain derivatives maturing. Decentralized perpetual markets processed trillions of dollars in notional volume in 2025, narrowing the gap with centralized venues and driving more trading activity directly into wallets.

Stablecoins are also being embedded into new financial services. For example, Hecto Financial recently integrated with Circle Payments Network to enable stablecoin-based cross-border payments. This move supports faster and more secure transactions, aligning with global shifts toward stablecoin-based financial infrastructure.

What Are Analysts Watching Next?

Analysts are closely monitoring how wallets evolve as financial operating systems. The report identifies AI and privacy as key areas of focus. As autonomous agents begin to make transactions, wallets must adapt to manage permissions, accountability, and control. This requires new trust frameworks like KYA.

Privacy is another critical factor for scale and retention. As onchain activity becomes more persistent, wallets must ensure user data is protected while still enabling transparency where needed. The report suggests that this balance will shape the future of onchain finance.

Investors are also watching for further expansion of crypto wallets into real-world financial systems. Partnerships like the one between Blockchain.com and Ondo Finance, which launched tokenized U.S. stocks across Europe, demonstrate the growing integration of blockchain into traditional markets. These developments indicate that wallets are becoming the gateway to a broader financial ecosystem.