Asset tokenization, invisible payments, and AI agents — the three major directions of the future of crypto in the eyes of industry leaders

【Blockchain Rhythm】In the recent international economic forum “New Era of Finance” roundtable discussion, the founder of a leading exchange shared forward-looking insights on the development of the crypto industry.

He pointed out that the current crypto space has achieved significant results in two areas—scaling applications on trading platforms and market validation of stablecoins. Looking ahead, three innovative directions are truly worth期待：First, at the national level, promoting asset tokenization to enable traditional assets to flow on-chain; second, cryptocurrencies serving as foundational payment infrastructure, although not overtly promoted, are ubiquitous; third, AI agents possessing autonomous trading capabilities and using cryptocurrencies as their native assets.

Regarding the future of traditional banks, he believes the root of the problem lies in the inherent contradictions of the “partial reserve system.” As the process of financial digitization accelerates, physical bank branches will shrink significantly over the next decade, and the demand for visiting banks will continue to decline. From the case of ING, a promoter of online banking, electronic KYC and encryption technologies are accelerating this transformation. Banking institutions remain important, but the form of the entire industry and its value chain are being reshaped.

He remains cautious about the hot Meme coin phenomenon in the market. In his view, Meme tokens are very similar to past trends like NFTs and the metaverse—high-risk, highly speculative tracks. While Meme coins with genuine cultural DNA, like Dogecoin, may have long-term vitality, the vast majority of Meme tokens will ultimately struggle to sustain their popularity and will fade away.

When discussing global regulation, he candidly acknowledged the significant policy differences among countries, making the establishment of a unified international regulatory system extremely challenging. However, he expressed期待 for such a mechanism—if a set of global regulatory frameworks could be formed that both constrain risks and accommodate innovation, it would greatly reduce compliance costs for industry participants and channel more resources into genuine innovation. He is currently maintaining communication with government departments worldwide, striving to promote the development of an open and规范的监管生态系统。