Six Structural Themes in Digital Finance

Over the next decade, digital finance won't be reshaped by a single new

coin or app. Instead, six structural themes rewrite how money moves and assets

are held. They also reshape how AI pays for things, and information becomes

an asset. I will walk you through these six themes: stablecoins,

tokenized Treasuries, and AI payments. Also privacy, prediction markets, and compliance infrastructure

for 2026 and beyond. Theme 1 turns stablecoins and tokenized deposits into core

payment rails, not just speculation. Regulation is catching up; payments through slow systems like

SWIFT are transformed. They are now near-instant token transfers, used by banks and card networks.