Crypto in Everyday Life: How Close Are We to Mass Adoption?

It is February 2026, and the industry’s old rallying cry to onboard the next billion users has given way to a different question. With the United States’ GENIUS Act implemented and the EU’s MiCA framework fully operational, leaders now ask why crypto’s everyday reality doesn’t look like the cyberpunk vision once imagined.

A panel of industry figures concludes the tech is ready and regulations are mostly written; the remaining obstacle is cultural. The user experience has changed fundamentally. Dorian Vincileoni says self-custody still places responsibility on users and cautions that a non-technical person is not entirely safe, yet he highlights a shift toward Smart Accounts, better interfaces and account abstraction to reduce human error.

Michael Ivanov stresses that real progress means building safety nets—tools like Telegram Web Apps with risk-management layers that protect users even when they slip up. Rather than a single flashy “killer app,” 2026 is defined by convergence: Web3 plumbing blending into everyday finance.

United States, European Union

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