Here are 12 predictions for the crypto market in 2026, as outlined by Pantera Capital researcher Jay Yu:

Capital-efficient consumer credit is poised to become the next significant frontier in crypto lending. This suggests a shift towards more optimized and accessible credit solutions within the digital asset space.

Agent-based businesses, utilizing endpoints like x402, are expected to expand their reach into a wider array of service areas. This indicates a growth in automated and decentralized business models.

AI-driven trading processes are projected to gradually transition into the mainstream. This implies increased adoption of artificial intelligence for making trading decisions and executing strategies.

A "quantum panic" may emerge in 2026, prompting institutions with substantial Bitcoin holdings to explore quantum emergency plans. This highlights a potential concern regarding the impact of quantum computing on current cryptography.