PwC: Institutional encryption adoption has crossed an irreversible turning point, and stablecoins are accelerating their integration into financial core processes According to a report by Golden Finance, PwC pointed out in its "Global Cryptocurrency Regulatory Report 2026" that the adoption of cryptocurrency assets by institutions has crossed an "irreversible turning point", and the focus of discussion has shifted from "whether to adopt" to "how to integrate". The report states that encrypted assets are shifting from trading and speculative purposes to core businesses such as payments, settlements, fund management, and balance sheet management. Stablecoins and tokenized cash are entering the production environment in banks, asset management institutions, and payment companies. PwC emphasizes that this shift towards functional financial infrastructure makes it difficult to roll back once embedded in core operations. Circle CEO Jeremy Blair stated in Davos that the landing of stablecoins in the global banking system is accelerating, with a compound annual growth rate of about 40% being reasonable; ARK Invest also believes in "Big Ideas 2026" that public blockchains are entering the stage of large-scale deployment, and stablecoins have become a key bridge connecting traditional finance and on chain tracks.