The Future of the Crypto Industry May Resemble Revolut in the Next Decade

On September 14, British tech media The Fintech Times published an article stating that as the demand for stablecoins and regulatory frameworks mature, the bottleneck in the crypto industry may have shifted from infrastructure to user experience. Declan Hannon, CEO of Aurora Labs, noted that current crypto applications require users to understand complex concepts such as networks, gas fees, and cross-chain bridges, whereas traditional fintech has hidden these infrastructures in the background. The supply of fiat-backed stablecoins is expected to exceed $273 billion by March 2026, and the adjusted transfer volume of stablecoins will grow by 91% to $10.9 trillion in 2025, indicating a continued demand for low-cost, fast dollar payments. The EU's MiCA has been fully implemented, and the U.S. GENIUS Act has also entered the rule-making stage, with the regulatory environment gradually maturing. Hannon believes that future crypto applications should use an "intention" architecture to handle complex processes in the backend network, allowing users to simply express their final goals, such as sending USDT or USDC to a fixed address, with the system automatically completing cross-chain and fund routing. For the crypto industry to achieve widespread adoption, the key lies in allowing users not to understand the underlying mechanisms of blockchain; the best crypto applications may be those that make mainstream users unaware that they are using crypto technology.