The cryptocurrency market is finally entering a phase that investors have been expecting for more than a decade — a phase where real utility begins to outweigh speculation. After several boom-and-bust cycles largely driven by investor sentiment, a growing number of analysts argue that blockchain technology is proving its value in practice, in measurable ways. This shift, if sustained, could change the approach to pricing and adoption of digital assets worldwide.

The international payment system SWIFT is developing its own blockchain ledger to speed up cross-border transfers and compete with the stablecoin market.