The prices seem pretty clear that this is a crypto bear market, but why?
Is it true that crypto’s use case is fading?
HELL NO!
The foundations of the web are altering to a form that is crypto-native. It’s a wild explosion. Let’s dive in.
The current crypto market is struggling, but this downturn highlights the importance of focusing on real technology and builders. Two major future narratives are emerging, both rooted in the growing adoption of stablecoins.
Stablecoins are achieving clear product-market fit, proving to be superior to traditional financial rails for certain use cases.
Bridge, acquired by Stripe, received OCC conditional approval to become a National Trust bank. This is a direct result of pro-crypto regulation like the GENIUS Act, creating a trusted, federally overseen intermediary for institutions to custody, issue, and manage stablecoin reserves.
Modern Treasury is now using stablecoins for its core payment and banking setup services. This allows new businesses to go live in days, not months, bypassing the traditional, onerous banking setup and providing seamless access to the entire financial system.
The internet’s user base is shifting from humans to autonomous AI agents.
The primary bottleneck for these agents is no longer intelligence, but permission and access to financial systems.
AI agents require their own cryptographic identity and wallet to operate autonomously. They use permissionless payments via stablecoins (like USDC) and protocols like the open X402 to transact and act in the real world, something they cannot do with traditional banks.
Blockchain lending is revolutionizing how we finance critical infrastructure. Projects like Aave are using stablecoins to fund GPU hyperscalers and solar farms, compressing loan timelines from months to one week.
This model, called “funding abundance,” allows anyone to supply capital and earn yield by lending against real-world assets (RWAs) like GPUs or solar panels. This democratizes access to high-yield lending opportunities previously restricted to private markets.
Both AI agents and real-world infrastructure scaling are being built on and funded by stablecoin rails. This creates a massive, interconnected ecosystem where crypto provides the financial and identity layer for the next wave of technological growth.
Sources:
Bridge Post:
https://x.com/Stablecoin/status/2023816777885708419
Modern Treasury Post:
https://x.com/ModernTreasury/status/2024125799843131532
Web4 Post:
https://web4.ai/
Stani’s ‘Funding Abundance’:
https://x.com/StaniKulechov/status/2023079479493452013
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