An Interview With Jamie Elkaleh (Bitget Wallet): Crypto's Shift to Everyday Finance

The Rapyd 2026 State of Stablecoins Report shows that stablecoins are becoming a foundational part of global commerce. Nearly one in five businesses already consider stablecoins a mainstream financial tool. The report predicts that 64% of businesses will either use or plan to use stablecoins within three years.

Visa is working to integrate stablecoins into existing payment systems. The company sees an opportunity to maintain its market leadership as these tokens gain traction. Stablecoins allow funds to be moved outside traditional banking systems.

Stablecoin card adoption is expected to be a major theme in 2026. Stablecoin-powered cards are shaping up to provide the benefits of blockchain while keeping the payment experience familiar for consumers. These cards allow users to pay people and buy stuff in dollars, any time, anywhere.

Why Did This Happen?

Businesses are adopting stablecoins due to their speed, ease of cross-border transactions, and cost savings. Rapyd's research shows that these factors are driving mainstream adoption. The report indicates that the market has moved into active, real-world use.

Visa's integration of stablecoins is driven by the need to maintain its market leadership. The company's stablecoin settlement volumes have hit $4.5 billion in annualised run rate. This is growing significantly month over month.

Dragonfly, a crypto-focused venture capital firm, believes that stablecoin cards will be a big theme of 2026. They provide faster settlement, lower costs, and greater global reach. The experience is seamless for consumers.

How Did Markets Respond?

Bitget's 2025 review highlights the convergence of crypto and traditional markets. The Universal Exchange (UEX) model is expanding across crypto, onchain markets, and tokenized traditional assets. Bitget's derivatives trading volume reached $8.17 trillion in 2025.

Tokenized finance emerged as a major growth vertical for Bitget. The company's cumulative trading volume for tokenized stock futures surpassed $15 billion in 2025. The public rollout of TradFi markets such as stocks, indices, commodities, and FX drove daily trading above $2 billion shortly after launch.

Amundi, the largest European asset manager, has warned that asset managers that do not develop an onchain offering will risk losing share to both more agile legacy managers and new Web 3.0 asset managers. Tokenization offers benefits including faster settlement, lower operational cost and risks, and fractional ownership.

What Are Analysts Watching Next?

The growth of stablecoin settlement and card adoption is being closely watched by analysts. Visa's stablecoin settlement volumes are growing significantly. This growth is mainly driven by stablecoin-linked card providers.

The potential of tokenized funds is another area of interest. Amundi estimates that tokenized fund assets will grow to $30 billion by 2030 on a conservative basis. If there is more uptake from traditional distributors, the assets could grow to $120 billion in the same time period.

Stablecoin cards are also being monitored for their potential to challenge traditional cards in developed countries. While some believe stablecoin merchant acceptance lacks a captive audience and exclusivity, others highlight the benefits of instant payouts and chargeback protection.

Bloomberg Intelligence predicts that stablecoin payment flows will increase at an 81% compounded annual growth rate to $56.6 trillion by 2030. This projection highlights the significant growth potential of stablecoins in the financial sector.