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This report describes the current landscape of crypto assets in 2026, a year marked by the transition from pure speculation to structural utility and ultimate institutional integration.
# Global Trends Report: Cryptocurrencies 2026
## 1. Institutionalization and the "Era of Fusion"
2026 is defined by the **total convergence** between traditional finance (TradFi) and decentralized finance (DeFi).
* **Direct Access to Banking:** Milestones such as the obtaining of master accounts at the Federal Reserve by native crypto entities (like Kraken Financial) have allowed cryptocurrencies to be used as interbank settlement platforms, directly competing with the SWIFT system.