Crypto wallets have seeped deep into everyday transactions, with a growing user base aiding to the widespread adoption.
In its research report, Everyday Finance Onchain: Key Trends Shaping 2026, Bitget Wallet highlighted that as crypto adoption matures, user behaviour is shifting away from speculative, one-off trading toward repeatable financial activity such as payments, saving, and asset management.
The change, the report says, is positioning wallets, not exchanges or banks, as the central interface through which users increasingly interact with on-chain finance.
Polygon, Stellar and others show wallets are more than storage
The report draws on insights from ecosystem players including Polygon, Stellar, MoonPay, 1inch, WalletConnect, Base, Sei, CertiK, Dune and Animoca Brands, painting a picture of wallets evolving into full-fledged financial operating systems.
More and more functions like payments, trading, yield generation, and privacy that used to be spread out across different platforms are now all coming together under one interface that the user owns.
Data from 2025 also reveals the extent of the shift. The on-chain transaction volume of stablecoins was estimated to reach $33 trillion during the year, while the global supply of stablecoins expanded by more than 50 percent to reach over $300 billion.
At the same time, spending on major crypto card programs went up by 525 percent each year. The trend suggests that more people are using crypto card programs instead of just speculating.
Stablecoins are increasingly getting integrated into cards, QR payments, and local payment systems, operating behind the scenes as invisible infrastructure.
On-chain finance moves beyond payments, says report
Beyond payments, the report highlights deeper infrastructure shifts shaping everyday on-chain finance.
AI agents are beginning to transact autonomously using machine-native payment protocols, creating new economic activity that wallets must support, monitor and control.
This has driven the emergence of new trust models such as “Know Your Agent” (KYA), designed to manage delegated permissions and accountability.
As financial behaviour becomes more persistent, wallets are also starting to function as a behavioural credit layer, where long-term on-chain activity can reduce friction and unlock differentiated access.
Privacy, the report notes, is becoming essential infrastructure rather than a feature add-on.
In the bigger picture of everyday finance, market activity keeps changing. In 2025, decentralized perpetual markets saw trillions of dollars in notional volume traded, which brought them closer to centralized markets and re-routed that money into users’ wallets.
Prediction markets also expanded rapidly, with annual volumes surpassing $40 billion.
“Crypto is increasingly being used for everyday financial activity,” said Jamie Elkaleh, CMO of Bitget Wallet, adding that wallets are becoming the interface that makes on-chain finance usable in daily life.
Bitget Wallet cited its own shift toward payments, cash management and frequent use cases, alongside surpassing 90 million users globally, as evidence of the broader trend.