1 - Capital Efficient Consumer Credit
Capital efficient consumer credit is the next frontier in cryptocurrency lending. They combine complex on-chain and off-chain credit modeling, modular design, collateral management, and artificial intelligence learning of user behavior, ultimately encapsulated in an easy-to-access application.
2 - The Polarization of Prediction Markets
Prediction markets will evolve in two very different directions: the "financial" direction and the "cultural" direction.
Financial direction: Prediction markets will have a stronger synergy with DeFi, making leverage more accessible, enabling liquid staking, and creating tools similar to refined "options."
Cultural direction: Cultural markets will tend to capture more popular imagination, exhibit stronger regional differences, and attract enthusiasts in niche areas.