2030

Standard Chartered stated that Aave could rise 50 times to $3,500 by 2030. The bank expects that as DeFi assets grow 37 times and tokenized finance goes on-chain, Aave will benefit.

On the evening of June 22, the U.S. Senate passed the "21st Century Housing Road Act" with an overwhelming vote of 85-5. The bill has now been sent to the House of Representatives, where it is expected to pass quickly and be signed into law by President Trump. The central bank digital currency (CBDC) ban has become a key additional clause in the bill, which will prohibit the Federal Reserve from issuing central bank digital currencies (CBDC) or any substantially similar digital assets before the end of 2030, even if issued indirectly through financial institutions. The bill also explicitly exempts private stablecoins (such as USDC, USDT).

According to The Block, leaders of the U.S. Senate and House of Representatives jointly released an updated version of the "21st Century Housing Road Act," confirming that the two chambers have reached a bipartisan agreement. The core content of the bill focuses on housing affordability reform, including expanding housing supply and limiting market monopolies by corporate landlords. Notably, an additional clause in the bill explicitly prohibits the Federal Reserve from issuing or creating CBDCs and any "substantially similar" digital assets before December 31, 2030, a clause driven by House Republicans. The Trump administration has consistently held this position, with Treasury Secretary Mnuchin previously stating that CBDCs are "not under consideration." The bill will first undergo procedural voting in the Senate and is expected to be submitted to the House for review after Congress reconvenes, and then sent to the President for signing.

Standard Chartered Bank has initiated coverage of the decentralized trading protocol Uniswap, predicting that its UNI token could rise from the current approximately $2.7 to $100 by the end of 2030, representing an increase of nearly 40 times. Geoffrey Kendrick, the global head of digital asset research at Standard Chartered, stated that the next wave of wealth opportunities in the digital asset space may come from DeFi protocols. The core logic is that the scale of tokenized assets entering DeFi will significantly increase, thereby enhancing the trading asset base and fee potential of protocols like Uniswap.Standard Chartered expects that the scale of on-chain tokenized assets will grow from the current approximately $340 billion to $4 trillion by the end of 2028; of which the proportion entering DeFi will rise from the current approximately 3.5% to 30% by the end of 2030. Coupled with the growth of crypto-native assets, the locked assets in DeFi could reach approximately $2.7 trillion, an increase of about 37 times from the current level. Kendrick believes that if Uniswap can successfully commercialize and establish sufficiently scaled partnerships with traditional financial institutions, the valuation multiple between its market capitalization and trading fees is expected to increase, narrowing the gap with centralized trading platforms like Coinbase.Standard Chartered's projected price path for UNI is: $6.5 by the end of 2026, $20 by the end of 2027, $40 by the end of 2028, $65 by the end of 2029, and $100 by the end of 2030, and it is expected that UNI's performance during this period may outperform ETH and BTC.

According to Cointelegraph, Standard Chartered Bank predicts in its latest research report that by 2030, the locked assets in decentralized finance (DeFi) will reach approximately $2.7 trillion, growing about 37 times from current levels. The report points out that this growth will be primarily driven by the tokenization of real-world assets (RWA) and the migration of crypto-native assets to on-chain protocols.Geoff Kendrick, Head of Digital Asset Research at Standard Chartered, stated that the next round of "structural growth opportunities" in digital assets will come from DeFi protocols, and it is expected that by 2030, the proportion of tokenized assets entering the DeFi system will increase from the current approximately 3.5% to about 30%.Current data shows that only about 3% of stablecoins and 10% of tokenized real assets are actually used in DeFi protocols, indicating significant room for penetration. The report also emphasizes that achieving the $2.7 trillion target will rely on the rapid expansion of tokenized asset scale and a significant improvement in on-chain capital efficiency. Previously, Standard Chartered predicted that by 2028, the scale of tokenized non-stablecoin real assets would reach $2 trillion, with money market funds and U.S. stocks becoming major components.At the infrastructure level, the report mentions that decentralized trading protocols like Uniswap could become important trading hubs for tokenized assets and notes that traditional financial institutions will focus more on security and stability when entering the on-chain market. However, analysts also warn that tokenization does not necessarily lead to increased liquidity, and fragmentation between different chains and asset standards may still limit market depth and unified pricing capability.

According to the Financial Times, Goldman Sachs expects that one of the core assumptions for SpaceX's $1.78 trillion initial public offering valuation is that its AI division's revenue will grow approximately 100 times by 2030 compared to 2025, increasing from $3.2 billion to $322 billion; SpaceX's total revenue is expected to rise from $18.7 billion to $474 billion during the same period. The prospectus shows that xAI will incur a loss of $6.4 billion in 2025.Goldman Sachs also predicts that the division's revenue will grow by 388% year-on-year to $15.6 billion in 2026, reaching $34.5 billion in 2027; Starlink and rocket business revenues are expected to be $144 billion and $8.3 billion, respectively, by 2030.

Bitcoin News posted on the X platform that the SEC has listed digital assets as a strategic priority before 2030, calling for the establishment of a clear regulatory framework for blockchain, tokenization, custody, trading, staking, and cryptocurrency market infrastructure.The SEC stated that blockchain technology has the potential to revolutionize the U.S. financial infrastructure and acknowledged that innovative developments have surpassed existing regulations.The plan also calls for a clearer delineation of the regulatory boundaries between the SEC and CFTC, which is a key issue for Bitcoin and the broader digital asset industry. After years of regulatory uncertainty, the SEC now officially positions digital assets as part of the future of U.S. capital markets.

In the latest report titled "Tokenization 2030: Wall Street On-Chain" released by Citigroup, it is estimated that the market size for tokenization of real-world assets (RWA) will grow from the current approximately $17 billion to $5.5 trillion by 2030. Depending on different adoption speed scenarios, the market size range may be between $2.7 trillion and $8.2 trillion.The report predicts that by 2030, approximately 10% of the U.S. short-term treasury market and 3% of the public equity market will be tokenized. At the same time, the expansion of the stablecoin market may bring about $1 trillion in new demand for U.S. treasuries; if 10% of U.S. retail investors shift to digital trading platforms, it is expected to create approximately $2.6 trillion in digital equity demand.Citigroup believes that as traditional financial assets gradually move on-chain, tokenization is expected to become an important bridge connecting Wall Street with blockchain infrastructure and drive the digital transformation of global capital markets.

According to crypto journalist Eleanor Terrett, U.S. Treasury Secretary Scott Bessent reiterated today that a central bank digital currency (CBDC) will not be launched during the Trump administration. However, the House of Representatives has passed the "ROAD to Housing Act," which only includes a temporary ban on the Federal Reserve issuing a CBDC, set to expire in December 2030. The bill has not yet passed in the Senate.Senate Republican leader Thune stated that pushing for a permanent ban may face resistance from Democrats. Some House Republicans believe that the expiration of the ban may reopen the space for the Federal Reserve to explore a CBDC. Fed Chairman Kevin Warsh stated that as long as he has the authority to stop it, he will not allow the Fed to advance a CBDC.

According to Decrypt, analysts at Standard Chartered Bank pointed out in a report on Thursday that the current price of Ethereum does not reflect the growth in its on-chain transaction volume, nor does it reflect the value of digital assets deposited in DeFi applications. The price of Ethereum has "significant room" to catch up with its internal metrics, as its native network is expected to benefit from Wall Street's steady migration to digital assets.Ethereum has dominated the stablecoin and tokenization markets, which are set to experience rapid growth. Analysts reiterated a year-end target price of $4,000 for Ethereum, predicting it could reach $40,000 by 2030. This would bring the price ratio of Ethereum to Bitcoin back up to 0.08. Standard Chartered stated that year-to-date, stablecoins have accounted for 33% of Ethereum transactions.The "Economic Zone" supported by the Ethereum Foundation will launch this summer, further enhancing on-chain activity. As real-world assets go on-chain, if RWAs grow as expected by 50 times, the importance of Ethereum will increase dramatically, with transaction volume and total locked value continuously setting new historical highs.

According to The Block, Standard Chartered Bank believes that the recent sharp decline in ETH prices does not reflect the continuous improvement of internal indicators on the Ethereum network, comparing it to Amazon's phase after the tech bubble burst in 2001. The bank maintains its ETH price targets: $4,000 by the end of 2026 and $40,000 by the end of 2030, and expects the ETH/BTC exchange rate to rebound to about 0.08 by the end of this decade.The bank stated that Ethereum dominates the stablecoin and RWA (real-world asset tokenization) sectors, expecting the market value of both stablecoins and non-stablecoin RWAs to increase to about $2 trillion by 2028, which will drive Ethereum's trading volume and TVL to new highs, pushing ETH prices upward.

Morgan Stanley pointed out that by 2030, the global semiconductor industry market size could reach $1.5 trillion, with AI-related semiconductor products contributing a significant share. The capital expenditure of major cloud service providers remains strong.Morgan Stanley's cloud capital expenditure tracker estimates that by 2026, cloud capital expenditure will approach $811 billion. Research suggests that agent-based artificial intelligence has generated a growing opportunity for CPU applications. As AI shifts from reasoning to execution, GPU computing intensity increases. The agency has raised the total addressable market (TAM) for orchestration CPU in the baseline scenario to $79 billion, with the market added value (TAM) forecast for CPU orchestration technology reaching $238 billion.

According to Bloomberg, citing informed sources, Polymarket has appointed representatives in Japan and is preparing to lobby relevant departments for the legalization of prediction markets in the country.The sources stated that they requested anonymity because the related plans have not yet been made public. Polymarket aims to obtain approval from the Japanese government before 2030. The sources said that Polymarket believes Japan is a market opportunity that has not yet been fully developed and has great potential.

According to Cryptonomist, Standard Chartered announced a large-scale restructuring plan on Tuesday, aiming to cut more than 7,000 jobs by 2030, which accounts for 15% of the total workforce in the company's functional departments.Standard Chartered CEO Bill Winters described the layoffs as a technology-driven long-term transformation, focusing on replacing low-value-added jobs with automation and artificial intelligence, rather than merely reducing costs. The report states that the plan primarily affects back-office support departments in locations such as Chennai and Bangalore in India, Kuala Lumpur in Malaysia, and Poland.

Galaxy Research Research Director Alex Thorn published a post disclosing that Galaxy Research released a latest report rebutting the banking industry's assertion that the GENIUS Act will impact U.S. bank deposits, and provided quantitative estimates.The core findings of the report are as follows: Under the framework of the GENIUS Act, 60% to 70% of the incremental stablecoins will come from overseas, with the inflow of overseas deposits being about twice the amount of domestic deposit migration, indicating a net increase overall rather than a transfer of existing stock; each newly minted GENIUS stablecoin can generate approximately 32 cents of net credit for the U.S. economy; by 2030, under the baseline scenario, the total scale of credit expansion is about $400 billion, and in an optimistic scenario, it could reach $1.2 trillion.In addition, the short-end yield on U.S. Treasuries (T-bills) will be compressed by 3 to 5 basis points, potentially saving taxpayers up to $3 billion in borrowing costs each year. The report also points out that the interest pass-through mechanism does not pose a survival threat to the U.S. banking industry; it is merely a redistribution of profit margins and will not reduce overall credit capacity.

According to The Block, the crypto anti-quantum computing solution Project Eleven released a report warning that the critical point for quantum computers to crack modern encryption, known as "Q-Day," could arrive as early as 2030, with a probability of over 50% by 2033. The report predicts that advancements in quantum computing will be explosive rather than linear, and the combined effects of hardware and algorithms could lead to a leap in capabilities that is "either completely silent or suddenly explosive."Last month, researchers used quantum hardware to derive a 15-digit elliptic curve key. Although this is still far from cracking the 256-bit encryption used by Bitcoin, it constitutes a preliminary validation. Project Eleven estimates that approximately 6.9 million Bitcoins may face quantum risks under specific conditions.

According to The Block, quantum security startup Project Eleven released a report stating that the "Q-Day," when quantum computers could break modern encryption technology, may arrive as early as 2030, with a probability of occurring before 2033 "likely exceeding 50%." The report warns that the enhancement of quantum computing capabilities will not be a linear progression but rather a leap "from nothing to something, triggered at once." Currently, approximately 6.9 million BTC (worth over $56 billion) are at risk of quantum attacks under certain conditions.In response to the aforementioned threat, several solutions have emerged in the industry: Paradigm researcher Dan Robinson proposed using timestamp proofs to help holders recover assets on future quantum-safe versions of the Bitcoin network; the BIP-361 proposal by Jameson Lopp and others suggests establishing a multi-year migration window to guide users in transferring funds to quantum-resistant addresses. Google has also advanced its quantum-resistant encryption migration target to 2029.

According to Forbes, Ark Invest, led by Cathie Wood, released a report predicting that the market value of Bitcoin is expected to expand at a compound annual growth rate of about 63% over the next five years, growing from nearly $2 trillion currently to $16 trillion by 2030.The report states, "Bitcoin is maturing as a leader in a new class of institutional asset." Ark Invest analysts believe that Bitcoin will drive the broader crypto market to reach $28 trillion by 2030 (currently about $2.8 trillion), with "smart contract networks and purely digital currency markets potentially expanding at an annual growth rate of about 61% to $28 trillion by 2030, with Bitcoin accounting for 70% of the market share, while the remainder is dominated by smart contract networks like Ethereum and Solana."