2025-12-27 11:23:22

It's that time of year again—end of the year and beginning of a new one. It's time to talk about which direction the crypto market will head next. I’ve summarized several changes to watch for in 2026.

First is the consumer credit sector. On-chain lending has always been quite complex, but soon a batch of products will completely change this landscape. They will bundle on-chain and off-chain credit models, smart collateral management, and AI-driven user behavior data into a simple, user-friendly application. The result will be: a significant improvement in user experience and a substantial lowering of borrowing barriers.

Next is the evolution of prediction markets. This sector is splitting into two completely different paths: one heading towards finance, the other towards culture.

Financial prediction markets will increasingly resemble standard DeFi tools. Liquidity staking, leverage access, and options-level refined products will gradually integrate, allowing traders to combine them more flexibly.

Cultural prediction markets are different—they focus more on capturing the public’s imagination and enthusiasm. They will have more regional characteristics and serve more niche hobbyists. The growth potential of this market has actually been underestimated by many.

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MevShadowranger

· 11h ago

On-chain lending definitely needs to be simplified, but to be honest, it still depends on whether the product team is reliable. The observation about prediction markets taking two paths is good; the culture side has indeed been neglected for too long. It's hard to say what 2026 will look like; anyway, cycles always repeat.

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BearMarketLightning

· 11h ago

On-chain lending is finally about to explode. Those complicated things that made people's scalps tingle before need to be improved by 2026. Prediction markets have two paths. I think this judgment is still a bit optimistic. The cultural prediction sector indeed has many sleeping participants, but its monetization capability is questionable. Lowering lending thresholds is a good thing, but what about risk control? Will AI just learn data behaviors and call it a day? Wait, financial prediction markets are increasingly resembling DeFi staples. Isn't this just feeding sharks with blood...

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gas_fee_therapist

· 11h ago

Optimizing on-chain lending experience is promising, but I'm worried it might just be a concept that’s hard to implement in practice. The cultural prediction market has indeed been sleeping; niche tracks might actually have a chance. Will leverage options become just another tool for cutting leeks? Can 2026 really change anything, or will it just be another round of hype? When it comes to AI learning user data, it depends on how privacy is handled; otherwise, it’s just a gimmick.

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SmartContractRebel

· 11h ago

On-chain lending—I’ve seen this simplified many times, but ultimately it depends on whether there are real projects that can be implemented. Forecast markets are splitting into two paths? The cultural side has indeed been dormant, but actually making it happen is not as easy as it seems.

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